Young Drivers' Car Insurance Savings Feedback

Former_MSE_Rose

This thread is specifically to feedback on the savings
made by using the system in the article

Young Drivers' Car Insurance

Please reply with your age, gender, country, original quote and your final quote after following the system in the guide above.

Just click 'reply' to post - thanks!

pingu1_2

My daughter insured with Tesco but her premium went up after 1st year (even with no claims). She did compare sites then phoned Tesco who gave her 2 months free insurance!
However, when she added her Dad to her policy it was even cheaper. Worth a try.

Verdi_Fan

My husband and I have recently paid for 6 hour-long driving lessons with The Young Driver Scheme for our 12 year old car-mad grandson at the NEC in Birmingham. He has had his 3rd lesson so far and has already progressed beyond belief. He will have taken the remaining 3 by the Autumn.
The set-up is most impressive, extremely professional and well-organised and, of course, the best present we could have bought him!! (There are several places in the UK where this is offered)

We intend to repeat this until he takes his driving test, and have been assured that, not only will he be a safe, road-aware and competent driver by the age of 17, but that the ensuing cost of his car insurance will be cut dramatically.

Highly recommended!

Spiderham

Verdi_Fan wrote: »

We intend to repeat this until he takes his driving test, and have been assured that, not only will he be a safe, road-aware and competent driver by the age of 17, but that the ensuing cost of his car insurance will be cut dramatically.

Do you have that in writing? It could well have no effect whatsoever as insurers are under no obligation to take these into account and may well not use it as a rating factor.

By all means if he enjoys them go for it and they could well speed up how quickly he passes his test but don't bank on the insurance being reduced necessarily.

bouncydog1

Definately a sales ploy, unless they can confirm which insurers will take this into account!

If they can, then please post back so others can take advantage of the scheme.

Think_Fast_Mum

My son learnt in my car. He had Collingwood Learner insurance in his own name as a learner, which meant anyone could sit with him while he practiced, it was his insurance and not mine if there were any accidents (which there weren't!) and we could do the insurance month by month. Once he passed his test I added him to my Lloyds insurance, then changed it to Aviva (as recommended by someone at work) and saved £800.

Now he has his own car (C3, 52 plate) and insurance with me as a named driver, with Aviva at a cost of £2200, which we did on-line. While surfing on the Aviva website I read you can phone up and add a pass plus qualification which my son did - so he has just had a refund of £192. He's well impressed. (Sorry should have added that he is 18!)

(First time I've posted, but feel passionate about the young driver thing - so glad I was recommended to Aviva, want others to know about it)

Alison_B

I have spent the past 2 or 3 weeks trying to find competitive insurance for my son who will be 17 at the weekend. Most places were coming up around the £4,000 mark and when I phoned about it, was told that it would increase when he passes his test. I contacted a company called I-Kube who quoted me £2000 for Fully Comprehensive and it doesn't change once his test is passed. They were phoning me back today as I was making a decision who to go with and they offered it to me for £1860 and that includes a cover where they take care of the £500 excess. The only downside is that he has to have a tracking box fitted to the car and he cannot drive between the hours of 11 pm and 5 am but I suppose that is a small price to pay for him being able to learn to drive.

Just thought others would like to know if you are struggling with your young lads insurance. I think it is only competitive also whilst they are a learner driver. My nephew passed his test in April and they quoted him £8000. I queried it with them and they said that had he gone to them as a learner, then it would have been cheaper like my sons insurance.

foreverawhite

Alison B do you mind me asking what car this insurance was for.I'm in the same situation as you with a son nearing 17 but he hasn't bought a car yet.

Tiberman

My nineteen year old daughter passed her test yesterday and had been a named driver on her mother's car.We were with Direct Line for our two cars up that point. Took out a policy with my daughter as the only named driver on a fully comp. basis. Allowing for a second car discount and our semi-rural postal address we were offered and accepted cover for £1620. That beat our searches on moneysupermarket.com by a few hundred pounds. I can drive what is now my daughter's car (her description) on a 3rd party basis if needs be. Wife and I now relegated to a car share arrangement as a third car purchase isn't justified. All in all give Direct Line a call.

Alison_B

foreverawhite wrote: »

Alison B do you mind me asking what car this insurance was for.I'm in the same situation as you with a son nearing 17 but he hasn't bought a car yet.

Sorry, only just seen this. The car is an 07 plate Fiat Grande Punto.

Bottlewasher

When my son turned 17 in February we used Provisional Marmalade to 'top-up' our insurance on our 06 Honda Accord Estate. It was very quick and efficient to set up and we were very happy with it, although the test of any insurance is the claims procedure which, luckily, we didn't have to do.

When he passed in June, we approached our existing insurer, Aviva. They quoted £450 to add him to the existing policy until renewal in December. His excess is £550 as opposed to ours at £250. We were asked some pretty detailed questions about where he was living (at home), what was he doing (at school) and how much he would be allowed to drive. In addition, this is our only car and our means of getting to work and its not a particularly cool car to be lapping the school car park in.

The information was passed to an underwriter who considered the risk as opposed to a computer with its rigid statistical tables. We were delighted with the price and the service and I would definitely give them a try.