Student car insurance

mary_hendry

Help! My son is at uni and will only drive my car when he is at home (22 weeks per year). Does anyone have any tips on the cheapest way to put him on my insurance please?

airforce_beret

your first thing, is just to ring your insurance provider and ask how much extra it would be to add him to your insurance. my mum did the same with me but ended up being quite expensive as she had limited edition car. if you have a "normal" car then it shouldn't be too expensive i guess.

not much help but prob your first move to get a price range

DavidHM

He can legitimately be a named driver on the basis that you will be driving the car more than he will, but I think the only way for you to do this cost-effectively is to add him for the whole year.

If you added him each time he is home, you'll pay more for short-term additions and then an admin fee on top, plus all of the hassle that involves, plus you won't know whether your insurer is actually the cheapest for adding him as it will be much harder to compare prices.

It's going to be easier (and almost certainly a lot cheaper) in the long run to put his details into the comparison sites, plus Tesco/Direct Line/the other RBS companies' websites and Admiral/Elephant/Diamond etc. to see who gives you the best premium and add him for the whole year.

Mrs_pbradley936

When I did this it cost about £300 extra for the whole year. That was on a Ford Focus so nothing fancy just a mid range family car. He has since left university and bought his own car and got quotes ranging from £700 to almost £3000 for a 1.8 Ford Focus.

Mrs_pbradley936

When I did this it cost about £300 extra for the whole year. That was on a Ford Focus so nothing fancy just a mid range family car. He has since left university and bought his own car and got quotes ranging from £700 to almost £3000 for a 1.8 Ford Focus.

mary_hendry

Just to let everyone know, we've got the insurance for just under £600 with Direct Line on a Ford KA2. The good thing about this is the fact that although he is named as a named driver he is still building up his own no claim discount, so when the time comes to buy his own car he will have a couple of years NCD. Thanks for all the posts.