Car insurance for older first time driver..any recommendations?

Bumpmakesfour

Just searching through a ton of insurance sites to get quotes for hubby who is sitting his test next month..bit of a late starter at 31.We have a freelander 02 plate ready for him and the quotes coming back are eye wateringly expensive...and that's without the 3 points he might get once his whole "learner driver going through red light" thing gets to court!I (obviously wrongly) assumed the landrover wouldn't be that high insurance.
I've always driven since I was 17 and have 12 years no claims so obviously my insurance is pretty cheap.I'm thinking hubby needs his own policy right?I can't just add him to mine?Just that if I add him to mine the premium only goes up 200 quid..on his own it's over £1400 and that's with a very large excess,some quotes are 2k/3k plus.If I put him on my insurance and he has an accident does that mean my no claims goes?I'm confused so sorry if those are daft questions.I've always just got the best quote,paid each month and bob's your uncle.Never had to deal with adding someone else etc before:o

poppasmurf_bewdley

How much is 'eye wateringly expensive'?

Bumpmakesfour

On the freelander,social and commuting,fully comp,£500 excess and 6k miles a year..£1450 is the cheapest.
Is that not expensive then?

poppasmurf_bewdley

For a new driver in a Land Rover Freelander - I don't think that's too bad.

I thought you were going to come back with about £2.5k.

You could try putting yourself on the insurance as well and this might bring the price down somewhat. That worked with my 24 year old daughter.

Bumpmakesfour

The well known companies were all over 2k..this £1450 is from admiral though so ok.Next "cheapest" was £1900 from kwik fit then they all jump up over 2k..up to 3k + from AA//budget etc.
Hadn't thought of adding me to his..only the other way round..will try now tx :beer:

Trebor16

If you only have the one vehicle then why are you looking at seperate policies? Just add him as a named driver to your policy which will be a lot cheaper.

Obviously if he does have an accident and it is his fault this will have an impact on your no claims, but you have enough no claims to be able to protect it for some peace of mind.

poppasmurf_bewdley

Yes, do try it. It's Admiral that my daughters isnurance is with.

fivetide

Co-operative do a young driver deal where you have a 'black box' fitted to the car. The driver is not insured to drive late night etc and has limited mileage.

It was a lot less for a friend of our's 17 year old son, plus he's building up no claims too.

Mind, the quote you have isn't bad if there are no restrictions.

5t.

Bumpmakesfour

Trebor16 wrote: »

If you only have the one vehicle then why are you looking at seperate policies? Just add him as a named driver to your policy which will be a lot cheaper.

Obviously if he does have an accident and it is his fault this will have an impact on your no claims, but you have enough no claims to be able to protect it for some peace of mind.

The freelander will be his car and he'll use it to get to and from work every day.I wasn't sure if I could insure it in my name and add him as a driver..thought not as he'll be the main driver on it.
For me we currently have a motability car but looks like that's going back so will have to purchase our own big enough to fit 4 kids in so there will be two cars in the household.Sorry,didn't make that clear enough.

Bumpmakesfour

fivetide wrote: »

Co-operative do a young driver deal where you have a 'black box' fitted to the car. The driver is not insured to drive late night etc and has limited mileage.

It was a lot less for a friend of our's 17 year old son, plus he's building up no claims too.

Mind, the quote you have isn't bad if there are no restrictions.

5t.

Thankyou...would he qualify as young at 31?The restricted mileage is no problem,the late night restrictions would be though.Will have a look about and see what the scheme entails.Tx.

Trebor16

Bumpmakesfour wrote: »

The freelander will be his car and he'll use it to get to and from work every day.I wasn't sure if I could insure it in my name and add him as a driver..thought not as he'll be the main driver on it.
For me we currently have a motability car but looks like that's going back so will have to purchase our own big enough to fit 4 kids in so there will be two cars in the household.Sorry,didn't make that clear enough.

Oh right, that puts a different slant on things then. If you insure it in your name you will need to put your OH down as the main driver which will affect the policy premium.

It's worth playing around with the quotes though, adding yourself as a named driver to see what difference that will make, insuring it in your name with OH as named main driver.

But if you have the motability car then if you insure that in your name as well then you will only get no claims applied to one car only. It might be worthwhile looking at the companies who do multi car policies to see if they can quote you happy.