Putting my daughter on my insurance

Lucee

Hey guys!

My 17 (nearly 18) year old daughter has just passed her driving test, she has not got a car and I doubt she will be able to afford one for a while yet, however I would like to put her on my insurance.

I know that 'fronting' is extremely frowned upon but this genuinely would not be that type of situation. I use my car daily, to and from work etc. however I would like her to at least be able to use it occasionally when she needs to get about without me having to ferry her.

Also, I believe that this will keep her practice up (and help me out at times) so that when so does get her own car and starts driving more frequently she will have had a little bit more experience. I have had my current car over 5 years, and have 18 years no claims (my current insurer is a max 9 yrs though) there are no other cars in the household so its not like I am suddenly going to stop needing my car so that my daughter can have it all the time - so how can I get insurers to understand that?

What is the best way of going about this? I spoke to my insurer who have increased my premium from £280 fully comp to over £4500! and while I do expect an increase I would like to keep it to a minimum.

Any advice or ideas will be gratefully received.

L x

Quentin

That's what it costs to insure 17 year olds with full licences!

All you can do is shop around for the best deal and see if it is cost effective to cancel your current policy and move.

lisyloo

Shop around.
Look at companies not on comparison sites.
Look at the companies that install a box e.g. insure the box, ikube (not recommendations just names I know of that do the service).

Unfortunately I am afraid it is goint be very expensive to insurance a 17 year old.
After December 2012 it becomes illegal to give girls better prices than boys and some insurers may have already aligned their prices. Some may not have which is why you need to shop around, you may well find the cheapest company are ones that still have lower prices for females.

Sorry but whilst you can shop around this is still likely to be expensive.

vaio

At £4.5k with max NCB you might be better off getting a cheap to insure car for her and getting her her own policy, that way she starts to build her own NCB, and yours is protected from her driving.

Adding yourself to her policy as a named driver will usually result in a price reduction

forgotmyname

Dont forget if she has an accident on your insurance it may wipe out the no claims.
Then you will both be paying ££££ for insurance.

Usually lots of exclusions for young and new drivers. Your protected no claims if you have it may not count, The excess could be a LOT higher.

Mines + £500 for inexperienced or drivers under 21. Strange they say that because when i asked they wont allow young or inexperienced drivers on my policy. Must have at least 1 years experience in a similar sized/power of car.

huckster

What is it with kids wanting to drive their parents cars. Mine would not have let me near their cars and they certainly would not have paid the extra cost of any Insurance. But they did buy me a cheap moped to get around and I had to pay the expense of running it, including Insurance.

rudekid48

huckster wrote: »

What is it with kids wanting to drive their parents cars. Mine would not have let me near their cars and they certainly would not have paid the extra cost of any Insurance. But they did buy me a cheap moped to get around and I had to pay the expense of running it, including Insurance.

Yeah, but things have changed since the 1940's

lisyloo

Yeah, but things have changed since the 1940's

I started working at age 13 (that was 1981 - not the 40's but yes 30 years ago).
I got a paper round at 14 and at 15 I went round all the shoe shops in town looking for a Saturday job.
I agree things have changed both legislation but also attitudes.
Back in 1981 my parents (and most parents) wouldn't have been able to afford to subsidise vehicles for their kids.

When I was 16 I got a moped that did about 200 miles to a gallon. This was very common in my village.
A lot of people did go on their parents insurance and that was nowhere near as expensive as it is now.

I agree things have changed and it isn't necessarily all for the better.
Having to work for what I wanted and living within my own means from age 13 has given me a very solid grounding in sensible financing.
Also no expectation that anything would arrive a plate, I would have to work for it and not just be given it.

I do think some things have changed for the worse and sometimes parents who think they are helping are actually not helping.

huckster

rudekid48 wrote: »

Yeah, but things have changed since the 1940's

My parents hadn't even met yet in the 1940's, let alone own any cars. When they got married, I think my Dad had a Lambretta and did not own a car until the early 60's.

I do feel sorry for those aged 17-25, as the costs of owning a car, including any Insurance, would now be a huge chuck of any money they earn. They are part of a generation who have grown up expecting their parents to pay for all the things they want but cannot afford.

Lucee

Hi

Thanks for all your replies, very much appreciated.

Interestingly when I spoke to one broker they suggested that they put my daughter down as the main driver, and me a named driver as it usually results in a cheaper quote - an low and behold this came in the cheapest quote so far!

With regard to the comments regarding a generation expecting everything to be paid for them - I totally agree, which is why my daughter also works part time whilst studying. She pays me a nominal amount of board, and I expect her to pull her weight in and around the house. She has paid for every one of her driving lessons herself, and both her theory and practical driving tests. She is taught that is she wants something then she needs to be responsible for either saving for it or paying for it herself. She definitely thinks I am a horrible nasty mum sometimes but I really don't care! What makes me so mad is when I hear that one of her friends has been bought XY & Z and have done nothing to earn these things - I mean how is that teaching them about real life!

Anyway rant over!

So I'm going to go away and talk to my daughter and see what she wants to do and what she can afford, I am looking at changing my car in August so I will sit down with her and she if she
a) if she wants it
b) afford to 'buy' it (on a monthly on going basis) and
c) if she can afford to run it.

Failing that she's going to have to wait for a while because I am certainly not paying a premium for her to be added to my insurance when she isn't going to be able to use it regularly.

L x

Annabee

My husband is insured with Liverpool Victoria and adds our daughter to the policy for fixed periods of time (as she is away at University, so he just adds her for the Uni holidays). She is 19 now and the additional premium for her to be added is about £100 per month, which we think is very reasonable. Don't know what it would be if she were added permanently.

She passed her test a year ago, and the addtional premiums for her seem to have gone down, presumably because she is more experienced now. Can't remember what it was originally, but not that much more, I think. She has not had any claims. The excess is a bit higher for when she is the driver.

Could you start off doing something like that?