Car insurance for new older driver

ismellicecream

Hi,

I'm hoping to pass my driving test in the next few weeks, and I've been researching insurance. The premiums are ridiculous, to the point that they are literally unaffordable for me - I'm talking £200 + a month. (One insurer that was supposed to specialise in new drivers even had the cheek to quote me £10,000)

I'm 35 years old and I thought maybe my age might count a bit, compared to a 17 year old.

Does anyone know anything I can do to get a more managable quote?

If my girlfriend puts me as a named driver on her insurance, it makes no difference to her premium at all, which is fine for the occasional time I could use her car.

What is the exact legality of fronting? I know I cant have a full time car in her name, but if she was to have a second car with me as a named driver on both, is there a maximum amount of time I can drive a car per week, or does it not work like that?

I only need the car really to get my daughter to school so I'm not dragging her on 3 buses (she used to get the school bus but its not running come new term).

Cheers in advance

forgotmyname

Your age is a bonus point it would be £300 a month for an 18 year old and more than that if your 17.

Legality of front is its illegal. Imagine having an accident and your insurance saying your fronting and not insured. 6 points and a fine then you get to pay all the costs of that accident.

Someone on here i think got a bill for £9000 after a small bump.

Imaging a bigger accident where each person in the other car claims £5000 each then say £20k for damage to their car.
Then of course who pays to fix your car?

Take a taxi instead its probably cheaper.

Surprised adding you to het policy doesnt add anything extra. As a learner it should add a bit. BUT... after passing your test it could double triple or worse her premium..

Yorkie1

Did you get your quotes including your gf as a named driver? That can often reduce the cost.

Your gf being the policyholder on a second car policy where you are the main driver, without declaring that you are the main driver, will be fronting and illegal.

InsideInsurance

When you say your premium is "too much", what are you comparing it to? The average person has a base premium of circa £1,300 but due to having a 65% NCD then theirs is reduced to £450.

You being a new driver won't have any NCD and so this is going to be a key reason for your high premiums. Obviously need to look at other factors such as where you live, what vehicle your driving etc.

Certainly add your partner as a Named Driver if she has a favourable driving and claims history.

Being an inexperienced driver will be having an impact but it wont be MASSIVE. Doing dummy quotes with my wife who's slightly younger than you but also an new driver she added £150 to our premiums per year (but £400 in base premium)