help to insure 17yr old son

jaynespain

Hi!

Our son turns 17 on 06/09/2011 and my husband wants to teach him to drive in his old Rover. However when I tried to add him on our policy with a provisional licence they say they are unable to cover him because of his age. He will be having proper lessons with an instructor as well, but we hoped regular practice in our car would help him along. What do others do in this situation?

Thanks.

Bryang

Have you read the MoneySavingExpert guide on this under 'Insurance' - Car Insurance for Young Drivers, it's not cheap...

jaynespain

No I havent. I will have a look this evening. Thanks for that. Does it cover provisional license policies as well?

fivetide

Only one i do know of that seems interesting is The Co-Op. they put a tracker in the car and new drivers are banned from driving at night, have limited miles etc etc. As you get each month claim free you get money back. Friend just did it, several grand cheaper than anywhere else.

No ide about adding to your policy though but I would say that initially there is no rush. They'll have enough on getting used to how one car drives so speak to the instructor, they'll tell you when they think he is ready for some extra lessons. You don't want to be telling him somethign different to what the instructor is sayin either, It'll just be a case of sitting next to him than actually instructing if that makes sense?

5t.

mikey72

For provisional try collingwood, or youngmarmalade. They won't insure once you pass though.

Quentin

jaynespain wrote: »

What do others do in this situation?

If you want him to have the practice, then all you can do is change insurer to one that is happy to cover him.

A local broker (not swinton) should be able to help.

If you go down this route, and intend to let him use the car after he passes, then make this clear to your chosen insurer from the outset, and get them to confirm that they will continue cover once he has passed. (Though expect a premium increase when this happens)

(Many will cover provisional drivers, but won't take on newly passed drivers)

forgotmyname

I asked before taking out my insurance policy how much extra to add a learner driver, Wife or daughter.

They told me they wouldnt cover learners at all. On the other hand the figures a lot of companies quote to add them
it would pay for a quite a few driving lessons with a proper instructor.

Also less family arguments over who can or cannot follow instructions shrieked at them.

Book a block of lessons and pay in advance for a discount.

Check that the lessons will actually be used though and your not planning on moving to a different area.

Seen a few posts like that on here, People miffed when they block book and then move and cannot keep to the
agreed lesson time and blame the instructor.

xoleeb

http://www.provisionalmarmalade.co.uk

invisiblecabbage

just finished funding my 3 through their 'driving',eldest is now 20 youngest is 17. Youngest has just passed test and now all 3 are mobile with cars purchased from ebay and serviced/repaired by OH and DD/DS/DS as apprentices.

Insurance was and still is a nightmare. I would advise taking a poilcy out in your sons name to start building up his no claims discount. Collingwood were best option for DS2 whilst he was learning and once he passed test Coop insurance was the best deal for him. It is important to have him driving an low insurance category car, this is why we purchased 1ltr corsa, S reg for him. No way would we have got insurance for him on family Zafira.

Went to a multicar insurance in Jan for rest of us as this saved me 2K on the kids insurance, each still have their own policy so are still building up no claims.

HAve to say, 17 yr old lads are almost twice as expensive to insure than girls ....... we did suggest a sex change to DS2;)

HTH

grizzly1911

We insured our son, on my wife's car last year with a well known "brand". We had downsized to a smaller car in advance.

They charged around 1100(annual equivalent) on top as it was part way through a year. That differential stayed in place at the next renewal, pretty much when he passed and dropped slightly after his first year to about £900. The excess also increased by 200% if he is driving.

There was no point getting him a car as he has gone to uni. In the scheme of debt I am sure the premium will not be such a surprise when he comes to get his own.

It will interesting to see what effect my daughter learning to drive has:eek:

As far as additional experience goes I think it is invaluable.

It builds confidence and certainly helps with the manoeuvring if you have a similar size of car to the instructor.

4_Pete's_Sake

We are in the same situation where our Insurance Company will not insure our 17 year old daughter on our Policy. We then found a company called http://www.coveredlearnerdriver.com/
We can insure her for £280 for 5 months which is very reasonable.

This will take us up to our policy renewal when we will change to "Diamond", who will ensure her on our Policy at an annual cost of £545.

However when she does pass her test the price goes up, as she will then be able to drive without supervision.