Insurance on Provisional License on my own car

mikey72

musi wrote: »

Micky,
I am located in SO16 3BA, and "collingwoodlearners" do not cover this area for insurance.
Any other company?
cheer

I don't want to do multiple quotes on you postcode, but they just offered me £1200 a year, payable at £99 a month, (plus the £50 initial fee), for an 18 year old, licence held for 4 months, driving a 1998 1.6 l peugoet 106, living at postcode SO16 3BB.

forgotmyname

If you think lessons are expensive they wait til you get insurance quotes and find out how much it costs
to run a car.

Tax, Mot, Fuel, Insurance, Repairs......

darkie007

As stated your premium will go up when you pass your driving test as you are a highe risk. But if you are wanting to practice as a provisional/learner drivier, collingwood are a specialist in that field, so prob best try them as a starting place. If you try other comapnies, make sure you check how much the price is likely to go up when you pass.

forgotmyname

Strange the way some quotes work, I can get a KA insured in my daughters name as her car and a provisional licence
for £400. When she passes the policy ends.

But to add my name onto that policy doubles it.

Another company not as cheap with just her name would add me, Total would be cheaper but i could only
use it if i was collecting her or taking the car home etc.
Basically saying i should have another vehicle for my own use.

Its a nightmare.

silvercar

When my eldest son was learning he was bought a toyota aygo. He got a policy with directline. Main driver on a provisional licence age 17. He also added both his parents as named drivers to the insurance. The cost then ( 3.5 years ago) was £2000 approx, though our postcode is relatively expensive. When he passed his test the insurance continued - at that time directline didn't increase the insurance costs. We had researched this (by making 2 quotes, one on provisional, one on full licence) before we took the policy and it worked out cheaper than taking the cheapest quote that did increase the costs after a test pass.

So I would try directline. Also try admiral.

Best advice is to get a quote on a provisional licence and one on a full licence and then average them out on an estimate of how much of the insurance year you will be on a provisional licence.

The advantage of this was is that your insurance year will start the minute you insur, rather than have to start the insurance year again once you have passed your test.