Car ins for 17 yo with non motoring conviction

jojo1964

Looking for advice, my son is 17 and has one non motoring conviction, a provisional licence and i have been looking for insurance, my own insurers wanted an additional £250 a month to add him to our ins on a citroen saxo, quotes online came in at a similar amount, approx £3000 a year, we have the option of another car, a Rover 25, and was hoping for any hints or tips on getting the premium down, would it be cheaper on the Rover? or not, or to have him start his own policy with me as named driver, any advice would be welcome, thanks

EKAndrew

the best option would be for him not to be insured!!! not the advice you wanted - but its the best i can offer!! (unless you are loaded and have money to throw away!!)
why do you want to add him? are you planning on giving him lessons?
does he need to drive the car? or is it just a teenage dream?
the reason its so expensive, is because the insurers dont really want to insure them! its that price to try and deter you. other companies, will just point blank refuse to insure him.
IF he has to go on the insurance, i think the best way to do it, is wait until he has passed his test, and get him to do pass plus (or advanced lessons - not sure what its called nowadays) and you get a further reduction for this extra certificate.
Years ago - I waited until I was 21, saved up a deposit and got a small car with the first year insurance free so I could build up my NCB
When my son turns 17 - I wont be letting him drive my car!!
Rover 25 - whats the value of this car "v" the cost of insurance? Is it really worth it?

InsideInsurance

EKAndrew wrote: »

whats the value of this car "v" the cost of insurance?

A little irrelevant ratio given that the majority of losses are third party and if you hit a 4 year old at 60 miles an hour it makes very little difference if your car was worth £500 or £20,000.

What sort of criminal offence does he have a record for? When will it be spent?

ariba10

Have a look at this site.

http://www.collingwoodlearners.co.uk/

Have had very good reports about them.

bouncydog1

Insurers may be applying a loading for his conviction or they may not. It really depends what sort of conviction it is and whether they believe there is moral hazard. Depending on where you live this may be the going rate for him to drive.

Have a look at the insurance for young driver threads. Also be aware that the AP you are being charged whilst he is a learner may increase significantly when he passes his test.

jojo1964

EKAndrew wrote: »

the best option would be for him not to be insured!!! not the advice you wanted - but its the best i can offer!! (unless you are loaded and have money to throw away!!)
why do you want to add him? are you planning on giving him lessons?
does he need to drive the car? or is it just a teenage dream?
the reason its so expensive, is because the insurers dont really want to insure them! its that price to try and deter you. other companies, will just point blank refuse to insure him.
IF he has to go on the insurance, i think the best way to do it, is wait until he has passed his test, and get him to do pass plus (or advanced lessons - not sure what its called nowadays) and you get a further reduction for this extra certificate.
Years ago - I waited until I was 21, saved up a deposit and got a small car with the first year insurance free so I could build up my NCB
When my son turns 17 - I wont be letting him drive my car!!
Rover 25 - whats the value of this car "v" the cost of insurance? Is it really worth it?

I should have mentioned he has his test next month, and we will probably let him have the saxo if he passes, and my insurers told me the premium they have quoted wont go up if he passes, but there is obviously the risk of him ruining my NCD, so i might wait, as suggested, until he passes, and let him sort his own insurance out.

King_Nothing

The Saxo isn't helping him to be fair, popular car to be crashed by young drivers so insurance costs are usually sky high.

bouncydog1

You have said you may let him have the Saxo if he passes. If you do this you must tell your insurers that he is the main user. The premium will likely be higher than you have been quoted. If you don't tell them, you are fronting the policy and if he has an accident then there are very likely to be significant difficulties with your insurers.

The trouble this will cause will make the premium you are being quoted with him as an additional driver pale into nothing!

kingstreet

A criminal conviction will make it very difficult for him to obtain insurance from some insurers until the conviction is "spent" under the terms of the Rehabilitation of Offenders Act. Before you reach any conclusions, ask potential insurers if they would insure the Policyholder with such a conviction.

sheilavw

When my Daughter (18) passed in July I put her on my insurance for summer and it was roughly £87 for 6 weeks. Im with LV, I asked about pass plus and it didnt make any difference at all, so didnt bother with it

beetlebug1

my 19 year old son is insured with collinswood. he has a provisional licence and no convictions. his car is also a citrion saxo. it costs £750 fully comp for the year