help to insure 17yr old son

Wh05apk

4_Pete's_Sake wrote: »

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.

That looks a good idea.

I am teaching my daughter, we insured her from her 17th birthday on her own policy, as the premium is the same whether it is her policy or a named driver on our policy this way she gets the no-claims. Also as insurance is so expensive, we thought we may as well start it from her birthday, as the premium would still be the same at 17 years and 364 days.

So far she has had about 6 "proper" lessons but has probably had 50-60 hours driving with me, and I would say she should pass easily now, so although it has been expensive, it has saved a lot in "proper" lessons.

LandyAndy

We just couldn't justify the £4-5k it would cost to insure our elder son to drive a car after passing his test. The only realistic alternative was on 'old' mini (premium £2k) but he is too tall to fit in one. Ridiculous that he will pass his test and then be unable to drive.

RichGold

Quentin wrote: »

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

Not strictly the only option. You could find somewhere off of public roads (where you may need permission) and teach him there. My dad taught me many years ago on an old airfield near Ashbourne and that stood me in really good stead 3 years before my test at 18.

Derivative

I am coming up on 21 (male) and have recently passed my test.

I would consider the following:

Will you get better value from extra lessons with an instructor? My lessons were £20/hr, that means £300 "learner insurance" pays for 15 hours. It took me roughly 30 hours with no previous.

Can you/he actually afford the insurance after he passes the test? I'm looking at >£2500 for essentially any car. For me, not having any "need" for a car such as driving to work, that makes it a no brainer to not bother.

£2500 pays for ~200 taxis a year for me. That's just the insurance.

I'll be waiting until I'm both older, and hopefully earning more.

4_Pete's_Sake

After having 5 months cover with coveredlearnerdriver we put my 17 year old daughter on my wife's policy with Direct Line. This cost £450 a year and the Policy is due for renewal soon. My daughter has still not applied for her test and is now at University but we are keeping her on the policy because as a named driver on a Direct Line Policy she is building up her own no claims bonus. Then when she does eventually get insurance in her own name, she could be on maximum NCB. She will probably pass her test in the meantime but will remain on my wife's policy.

Wh05apk

Are you sure your daughter will qualify for NCB as a named driver?

spacey2012

A local 18 yr old, quote for Corsa 1.2 £3470, Volvo v40 1.8 estate automatic £1115
Volvo it was !

Lum

Wh05apk wrote: »

Are you sure your daughter will qualify for NCB as a named driver?

Direct Line do allow named drivers to earn NCB, but the only insurer that will accept NCB earned in this way is.... Direct Line.

dacouch

spacey2012 wrote: »

A local 18 yr old, quote for Corsa 1.2 £3470, Volvo v40 1.8 estate automatic £1115
Volvo it was !

Aha sometimes I think you're a troll due to some of your advice, now I realise you're the Yoda

Lum

That particular piece of advice is valid.. Lots of youngsters drive Corsas, many of them are driven badly (they're the most popular car in the barryboys.com database for example) and so the insurers see Corsa+young person = risk.

Not so many young people driving Volvos, and when they do it's usually their dad's car so greater risk of earache if they smash it up.

Often young person plus larger more powerful "old man" car can be cheaper. Try a Mondeo too!