Insurance for young/ new drivers

forgotmyname

The high price is because they assume your fronting and a dodgy customer to start with.

New driver, New car and a new policy pull the other one. They will never payout on a claim.

Get her to take our insurance in her name with her as the main driver.

As above small learner cars are high risk. Choose something oddball.

A friend of my daughters bought a Corsa and has made 3 claims in her 1st year.. Her insurer wont cover her when the policy runs out.

gazfocus

Another vote here for InsureTheBox. My wife (21) has just insured with them and it was £900 and she only passed her test a month ago. Alot of telematics (black box) companies penalise the driver for going over the speed limits slightly or driving after a certain time whereas InsureTheBox don't - instead, they reward the driver for good driving.

I'd say it's definitely worth a look. Put your daughter as the main driver and put yourself as the second/named driver.

rugbywidowzoe

We got insurance from Admiral for my son. He is 19 and put the insurance in his name as a learner with me and my husband being additional drivers (both over 40 years old) on a 06 plate clio on it was only about £500 TPFT. It is a 10 month policy, but they count it as a year for no claims bonus. Bargains!! It will go up to about £800 when he passes his test. It was very odd though because it worked out more expensive to put it in my name with him as a driver??

Hintza

rugbywidowzoe wrote: »

It is a 10 month policy, but they count it as a year for no claims bonus.

Probably only the company you have insured with so be careful and don't be surprised if another company refuses it as 1 year NCD.

rugbywidowzoe

We did check that with them and they said that they is NCD showing 1 year, so hopefully will be ok. If not you will see me ranting on this forum!:)

GAZ237

forgotmyname wrote: »

The high price is because they assume your fronting and a dodgy customer to start with.

New driver, New car and a new policy pull the other one. They will never payout on a claim.

Get her to take our insurance in her name with her as the main driver.

As above small learner cars are high risk. Choose something oddball.

A friend of my daughters bought a Corsa and has made 3 claims in her 1st year.. Her insurer wont cover her when the policy runs out.

And the police are not stupid either. If they stopped her they may possibly seize the car because of the fronting.
Which in turn will cancel the policy and you will be paying more for insurance forever as you will have to declare having a policy cancelled.
Its an old trick which now comes down to a simple case of fraud.

Joe_Horner

Either a big old tank that a teenager wouldn't be seen dead in, or a minor classic, are the best chances for reasonable insurance for youngsters. She won't get a proper classics policy at her age, but the premiums will be a lot lower for anything without obvious street cred.

If you go the tank route, make sure it's pre-2000 so it's not taxed on emissions!

SLITHER99

I just ran a few fake quotes (yes, I have that much time on my hands) and what you guys are saying just isn't being borne out.

My fake 18 year old gets £2500 on a T reg fiesta, but quotes on a lugger Volvo or Rover 75 (smallest engine sizes, etc) come up nearer £17,000.

Not sure this advice is worth following somehow!

Joe_Horner

Well, this little beauty could be on road for 17 year old Mary Tyler-Moore (a student living at home) and her 37 year old mum, Shopaholic Tyler Moore, as a named driver, on the day Mary passes her test for a mere (!!) £1170.24 a year fully comp with windscreen cover, courtesy car and personal accident insurance:

http://www.ebay.co.uk/itm/Volvo-340-1-7-GLE-5-ddoor-hatch-/230986994832?pt=Automobiles_UK&hash=item35c7e5d490



eta: using the same details, a T reg Fiesta 1.3 Finesse comes in at £1433.12 so definitely worth re-quoting with your daughter as the owner / main driver!

[Deleted User]

Joe_Horner wrote: »

http://www.ebay.co.uk/itm/Volvo-340-1-7-GLE-5-ddoor-hatch-/230986994832?pt=Automobiles_UK&hash=item35c7e5d490

Brum Brum!