should I buy and insure a car now for my 17yr old daughter

hilspars

Looking for advice. My 17yr old daughter is currently taking lessons. She hasnt got a car yet although she has the money for one. If we get a car and insure as provisional, its not necessarily the cheapest insurance company for when she gets full license so we thought we would wait till she passes her test.
I am concerned by the insurance hikes for girls in december though.
Any thoughts please

Quentin

If she buys insurance now (at today's rates) she will be rated as a provisional licence holder.

Then when she passes her test she will need to inform her insurer.

This will result in a premium alteration for the remainder of the policy, and would be calculated at the rates in force at the date of the change (not the date the policy started).

Sgt_Pepper_2

Odds are you'll see a hike after she passes her test anyway.

SailorSam

If you get insurance now you're daughter will only be a learner but if you wait until after she passes her test she may get a better deal.

Quentin

SailorSam wrote: »

If you get insurance now you're daughter will only be a learner but if you wait until after she passes her test she may get a better deal.

Learners on a provisional licence invariably pay less than new full licence holders.

First_xv

There are some options. You might want to think about learner driver cover for your daughter until she passes her test. Be careful though, because some suppliers only cover the vehicle whilst it is being used by your daughter and the vehicle needs to be seperately insured as a condition of the policy.

If your daughter is to learn in your / familty car then this may suit.

Once your daughter has passed her test, she should simply shop around for the best deal.

The chatter surrounding the gender directive should not put you off as there are some emerging insurance products targeting driving behaviour. If Females really are better drivers than their male counterparts, this will be reflected in the premium.

Any half decent insurance broker will help you navigate the various options.

thenudeone

hilspars wrote: »

If we get a car and insure as provisional,

Just make sure that you are honest with the insurer about who is the main driver, who's the owner, and who's the registered keeper

Don't just add your daughter as a named driver on a policy you take out, if she will actually be the driver most of the time.

This would be fronting. It's a criminal offence and would probably result in a cancelled and voided policy if there's a claim.

Paperbird

I do feel for new / learner drivers getting insurance these days. When my wife was learning ( in our car with a trainee instructor ) there was no increase in the premium. Bought a small cheap car when our daughters were learning my wife insured it with them as named drivers and got a 60% discount as she had been a named driver on my policy. When daughters got their own insurance they both got discounts because they had been named drivers and never had a claim.
They've never had the silly premiums that are the norm now, I don't think they have ever paid more than I paid to insure mine but the cars I've had have always been in a higher group.

Sgt_Pepper_2

thenudeone wrote: »

Just make sure that you are honest with the insurer about who is the main driver, who's the owner, and who's the registered keeper

Don't just add your daughter as a named driver on a policy you take out, if she will actually be the driver most of the time.

This would be fronting. It's a criminal offence and would probably result in a cancelled and voided policy if there's a claim.

But not if they are honest about it.

Wh05apk

We did this for my daughter, I taught her in the car, meaning we saved a fortune on lessons as well. When she passed the premium only went up by about £50 I think, not much.

If you do this, ensure the policy is in her name with you as named driver (this will bring the premium down dramatically) if you do in your name, the premium will be calculated on the youngest/highest risk driver, so will be the sme, but she will not be building her no claims up.

Aretnap

Quentin wrote: »

Learners on a provisional licence invariably pay less than new full licence holders.

Sounds conter-intuitive, but it's true. The reason being that as a provisional licence holder she'll have a driving instructor/responsible adult sitting next to her pointing out hazards and telling her to drive carefully. As a full licence holder she's more likely to be driving late at night with a car full of friends telling her to go faster. Expect a hike when she passes - and tell her not to listen to her friends!