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Young Drivers' Car Insurance Discussion
Comments
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Oh Boy, where to start.? My 17 year old nephew arrived in the UK from Australia on 1/1/18 and is now signed to a Scottish Premier Team in their Development Squad. He has a full automatic driving licence from Australia and has been happily driving on his own round Perth for months (Since Sept 2017). We are now trying to get temp learner insurance for a UK provisional licence to help him practice but we cannot get cover from anyone as the underwriters won't cover 'Professional, semi-professional sports people or musicians'...this seems slightly employment-ist!
I then went on to see if this continues once he passes his full UK test...and yes, it does. I got in touch with specialist 'sports insurers' but they said they only cover 'professionals' and not 'semi-professional 17yr olds'. He seems to fall between two stools!
Does Anyone, Anyone at all know of an insurance company that will either cover a temporary young learner or after he passes his test (via lessons only) for a semi-pro footballer. None of the websites or phone calls I've made seem to take into account the fact he has been driving (ok, only automatics but still)...on 4-lane city roads, at night, parking, etc
I have lost so many hours of my life looking in to this and speaking to people. I've asked him to talk to some of the lads who drive at the club and see what they say but they are all slightly older. Just wanted to see if anyone could help. Thanks in advance.0 -
If he is a member of the PFA they have arrangements with insurers that offer specialist products to their members.All matter is merely energy condensed to a slow vibration, we are all one consciousness experiencing itself subjectively, there is no such thing as death, life is only a dream, and we are the imagination of ourselves.0
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18 year old daughter has just passed her test.
We live in semi-rural Aberdeenshire and she has her own car (a 1 litre Nissan Pixo).
I had been looking at comparison sites & cheapest couple of quotes were around £1050 with the majority being around £1300-£1500.
As my other half and I currently have multicar insurance through Admiral I gave them a call (not expecting much as their quote for learner insurance for her was very expensive).
£750 without a black box or £640 with black box...
It means we are tied into Admiral for the other cars for another year but the renewals for that are reasonable.
So may be worth those in a similar position trying a Multicar policy.
I'm a much happier daddy than I expected to be :-)Was it really "everybody" that was Kung Fu fighting ???0 -
My daughter's boyfriend, 21 in June, has just been trying to renew his insurance. within the space of 20 minutes with Admiral it went up by £300 a month because someone had gone into him at traffic lights...causing barely any damage. He didn't want a black box as he is doing too many miles (with his new job) for the one he had so was looking for another insurance as he panicked when he realised he was going to go over his miles.
So...details...in January this year an uninsured driver went into the back of him as he and my daughter were stopped at a red light. The driver wouldn't even give his address at first (it turns out not only was he uninsured but the car wasn't taxed either..go figure..as all we numpties do the right thing and tax, insure and MOT our cars..as you do) They reported him to the police (who weren't interested in a little bump as apparently they wanted the driver for other stuff) and , as you are supposed to, reported the accident, for which NO CLAIM was made and was NOT their fault to his insurers...mainly because he didn't know what to do as the person who had gone into him wasn't insured. He told the insurers he wasn't claiming.
He phoned Admiral and got a quote today. The woman on the phone had a strong accent and was a little difficult to understand, and furthermore he didn't remember being asked if he'd had an accident . They got a pdf quote back and decided to take up the insurance. Ofcourse, when they looked at his insurance paperwork from his old insurers they realised he had been involved in an accident.
His insurance quote then went UP by £300 a MONTH. Stupidly he had cancelled his old insurance five minutes before, paying a £200 premium, because he thought he had to do this to re insure his car. He is now up the creek without a paddle as he now owns an uninsured car and can't afford to pay £300 a month extra. Admiral are not interested and when he tried to re insure with his old insurance it was £100 more than before he cancelled...not sure why!
It seems that if you are honest and report accidents, which aren't your fault and don't cause much damage to the car (it was scratched and the bumper slightly loose..which he , as a mechanic, fixed) then you are penalised? I understand it is to do with risk assessment etc but it seems to me people will lie (or, as in the case of the bloke who went into him) not insure because honesty doesn't seem to pay nowadays?0 -
My 25 year old son is learning to drive and as he has just left uni and starting his first job I would like to help him with the cost of insurance. For comfort as he is a tall lad, a Ford Focus or similar sized car would be best. Can anyone suggest from experience maybe, a car that would be affordable for insurance and running costs. Thanks for any advice.0
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There is no single cheapest car, i doubt a focus will be that cheap though.
I found cars over 8 - 10 years old increased the premium, any car you want to drive will be at a premium, cars you hate will be the cheapest.
Why is a focus best? some very small cars have lots of legroom and suit tall drivers very easily.
There are some larger cars where he maybe brushing the rooflining or struggle to get the seat far enough backwards.
I know several people that are over 6ft and easily fit into an old KA for instance.
I just stuck the autotrader site on and chose every car that was within budget and within a set distance and got quotes on them ALL.
it got me banned from the comparison siteBut that was easily sorted.
Some surprising cars popped up fairly cheap, and some that you would think were cheap were not.
When i looked a FIAT 500 came out cheapest, unless you went for a brand new 107 / 108? whatever it was back then?Censorship Reigns Supreme in Troll City...0 -
Thanks for the reply. I only thought of a Focus as he tried one for size and it left a bit of room for someone to sit behind him.
"I just stuck the autotrader site on and chose every car that was within budget and within a set distance and got quotes on them ALL" That's a really good idea, one I'll try.0 -
If your youngster is aged 19 or older and they only drive your car from time to time, you might want to try Cuvva: cuvva.com/sharing
So, you would insure your car just for you. And you get separate cover for the youngster on an hourly or daily basis, when they need to drive the car. This could work out a lot cheaper.
You need to download the app in order to find out how much it would cost.
The big drawback is that they need to remember to buy cover each time they use the car, otherwise they are driving uninsured.
Veygo is available for drivers aged 17 or older. And it seems cheaper than Cuvva. But you buy cover via the website, not an app.
Dayinsure seems more expensive than the other two.
Also, note that Marmalade starts to be cheaper than any of these if you are buying cover for a week or more.
They all cover learner drivers too, but for this you are probably better with https://www.coveredondemand.com/learner/optionskoru0 -
Does getting a black box for a young driver tend to tie you to one insurer (maybe for years)? Not legally, but financially.
Say you are with Company A as a young driver for a year with a black box.
At the end of the year, they give you a small discount for good driving, but still increase the cost (inflation etc).
If you don't like their quote for year 2, you can move but a new insurer, Company B, will probably not know about your good driving. Would Company A share one's driving data with Company B if one wants to move, or does one have to re-start from scratch (without any good driving discount) ? I couldn’t see info on this on the main MSE site or via a quick search here. I also couldn't see a way to report on good driving within the quote process on the comparison sites0
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