does car insurence increase a lot after passed test?

charlene28

hi im 28, i have been insured with quinn direct for 1 month as a learner driver , i have my own car and am the only named driver. at the moment it is 70 pound a month, it was 701 altogether but was about a 100 more because i am paying monthly. i am having my test at the end of this month.if i pass will my insurence go up a lot, how does it work? will my policy start again on a full lincense, if increases to much can i cancel and go wi someone cheaper or will it cost to much cancalation fees etc? any help ,thanks guys

beanys

Just ring your insurance company and ask them the questions , then you get the correct answers

keith1950

Hi, once you pass your test the insurance will rise considerably as you no longer have an experienced driver sat alongside you, it is difficult to give an estimate.

If you stay with your current insurertthey would normally increase the direct debit for the remaining 10 months or so.

You can cancel the insurance, the acceptable admin fee seems to be £50 however there may also be a notice period or pro-rata fee, although this should not be more than one months payment.

bouncydog1

You need to phone and ask them as not all insurers increase the premium when learners pass their tests. The premium for our 17year old DD stayed the same.

St.Martins

Sadly the insurance companies will fleece you.My niece recently passed her test and had previously been insured on my sisters insurance. It was a 1.2 Corsa and they wanted £1200 3rd Party. She asked why it was so expensive and they told her whilst she was learning she had an skilled driver with her now she has passed her test she can go on her own so thats why its more expensive.
If insurance companies continue not to take risks and sting young drivers like this is it any wonder people risk driving uninsured.

midgetessa

Do the proper comparisons using confused.com, comparethemarket.com, etc.

Quinn will likely quote you something enormous but don't worry just ditch them.

Alison_B

bouncyd!!! wrote: »

You need to phone and ask them as not all insurers increase the premium when learners pass their tests. The premium for our 17year old DD stayed the same.

Which insurance company was your daughter with?

cajef

St.Martins wrote: »

Sadly the insurance companies will fleece you.

If insurance companies continue not to take risks and sting young drivers like this is it any wonder people risk driving uninsured.

How are they fleecing you £1200 is a good price for someone that has just passed their test.

In the first few years after passing the test new and especially young drivers are far more likely to be involved in an accident and this is why insurance has risen sharply for newly qualified drivers, do you realise how much an insurance company may have to pay out if your niece happens to cause or be involved in an accident in her Corsa which involves a new BMW or similar vehicle plus if she injures or maims someone.

The risk is assessed on all these factors not just on the vehicle she is driving.

Deru

£1200 is a good price for a new driver as I keep hearing they're more like £2000-£3000 on here.

Ummm...OP, make sure to try adding a parent as a named driver to get the price down (assuming they don't have any driving offences)

ultimatedingbat

They will continue to charge a lot until you have had your licence 2 years and are insured with no claims. For the first 2 years you are still considered a new driver.

midgetessa

Deru wrote: »

£1200 is a good price for a new driver as I keep hearing they're more like £2000-£3000 on here.

Ummm...OP, make sure to try adding a parent as a named driver to get the price down (assuming they don't have any driving offences)

Very much depends on the age of the driver, it seems.


I helped two friends with their insurance who passed their test towards their 40th birthday and both managed to get insurance for under £1000 pounds the first year. One of those people is now paying just £300 (fully comp) after two years.