just passed my driving test at 40

joseph1972

hi guys I finally bit the bullet and passed my driving test
my partner has a car and before I ring them up I was just wondering would her policy go up an awefull lot?
I have had insurance consistently for over 15 years but on my motorbike so like I say will it go sky high or should I just buy my own car(classic) and get classic insurance
regards

McKneff

Congratulations:j

I'm no expert but she would need to speak to her insurance company and ask.

I would also think that by buying your insurance for you own car would be wise because then yu build up your own NCD.

forgotmyname

You need to phone them and ask. Dont forget the excess and protected no claims probably wont apply when your driving.

So if you have an accident you wipe their insurance out.

Quentin

forgotmyname wrote: »

You need to phone them and ask. Dont forget the excess and protected no claims probably wont apply when your driving.

So if you have an accident you wipe their insurance out.

If you have protected no claim discount then it makes no difference that the car was being driven by a novice/named driver. The ncd is protected regardless.

Likewise the excess is still applicable. The only extra would be the compulsory excess for young/inexperienced drivers that many policies have, and would apply whether or not the op was a policyholder or a named driver on the partner's policy.

OP do some dummy quotes online to see what difference a novice driver gets charged v a learner.

There will usually also be an admin charge to pay for making mid term changes like this. And not all insurers will accept newly qualified drivers which may mean having to cancel the policy and going elsewhere if you are to remain a named driver on your partner's policy.

forgotmyname

Not according to my policy document. Inexperienced drivers have a higher excess and the wording seems to suggest the protected no claims is not covered when they are driving.

Its rather vague though.

Which is rather a moot point as they wont cover younger or inexperienced drivers on my policy anyway.

joseph1972

ive been riding motorbikes for 15 years on the road does that still mean im an inexperienced road user? in the eyes of insurance?

Just_Some_Guy

Most places will see you as inexperienced because you've held a full car licence for about twelve hours. For most people this would be fair enough but for you this is obviously a bit silly. You should be able to convince an insurance company that you have more experience than your licence implies and deserve to be treated as a special case. Some insurers also let you transfer (not copy, not mirror, transfer) your bike NCD onto your own car policy. Again this is a special case.

This will have to be done over the phone; price comparison websites are dreadful at dealing with unusual situations.

Print_Screen

I'll keep this simple. The thing with insurance is that heads you lose tails they win.

Usually, your motorcycle no claims and length of license will have no relevance but any incidents, claims, etc on your motorcycle will have an effect on your premium.

Talk about having your cake and eating it.

JoolzS

If you do get your own car it might be worth giving Direct Line a ring. A few years ago my nephew went from a motorbike to a car and they were willing to take his NCD from his motorbike policy into account for his new car policy even though, like you, he had only just passed his car test. Obviously, this might no longer be the case, but it might be worth a phone call. He was only in his 20s at the time, but the few years NCD from his bike made a massive difference to the cost of the policy, making it much cheaper than even the most discount of insurers. This, obviously, would only work if you no longer intended to insure the bike as you can only use your NCD on one policy.

I know it depends on the make of car, etc, but I just went to my usual comparison site and changed my husband's details (he's the named driver for my car) from 20+ years driving, to less than one month and it only increased our policy quotes by around £50.00. He's in his 50s and we have a 1.2l car.

HTH

Sportsbi

For most people this would be fair enough but for you this is obviously a bit silly. You should be able to convince an insurance company that you have more experience than your licence implies and deserve to be treated as a special case.

joseph1972

bit of an update endsligh insurance refuse to add me to the policy as security (store detective) is no good..hmm so goes back to the site I got the original quote from and put myself onto the search criteria and went for it......the insurance fully comp she is still no claims protected yada yada yada and cheapest was £280 £50 more than now?
scrolled down and you guessed it endsligh are there at £380...
I bought the insurance for my partner in full two months ago I have suggested they cancel it and refund me the difference but I wont hold my breath at actually getting anything back due to admin fees and other bull**t they come up with
anyway rant over
thanks for listening