Adding a child to car insurance policy

leolion2177

Evening Chaps!

Oldest daughter is 17 next month and I was wondering if any of you have any idea how to get her on the road as cheaply as possible?

The family car is a people carrier which she has already declared she wouldn't be seen dead driving (she'll learn the hard way)

Has anybody recently put a small car on the road or added a new 1st time driver to their own policy?

Thanks in advance

Old_Git

leolion2177 wrote: »

Evening Chaps!

Oldest daughter is 17 next month and I was wondering if any of you have any idea how to get her on the road as cheaply as possible?

The family car is a people carrier which she has already declared she wouldn't be seen dead driving (she'll learn the hard way)

Has anybody recently put a small car on the road or added a new 1st time driver to their own policy?

Thanks in advance

If she wont drive the family car point her in the direction of the bus stop .
For insurance try admiral multi car .
When/ if she passses her test the premium will increase as she is allowed to drive on her own.

motorguy

leolion2177 wrote: »

Evening Chaps!

Oldest daughter is 17 next month and I was wondering if any of you have any idea how to get her on the road as cheaply as possible?

The family car is a people carrier which she has already declared she wouldn't be seen dead driving (she'll learn the hard way)

Has anybody recently put a small car on the road or added a new 1st time driver to their own policy?

Thanks in advance

Be extremely careful as to how you present a "small car on the road" to insurance companies. If she is to be the primary driver, it has to be insured in her name. Insuring a car in a parents name for the primary use of a child is known as fronting and insurance companies dont take very kindly to it - they'll simply cancel the policy if they can prove it in the event of an accident.

You wont have much problem while shes a learner with putting her on your policy, but it will go up dramatically once she passes her test and can go out on her own.

And as has been posted above, if she "wouldnt be seen dead" driving the family car, i'd be asking her how she proposes funding her own alternative transport.

steveymp

All named drivers on a Direct Line policy will attain NCB, but adding a 17 year old will put the premium through the roof :eek:

My 2 will be taught how to drive at 17 by an instructor and the next car they will sit their asses in will be their own that they pay for themselves

Didn't do me no harm and taught me the value of money and how to look after my possessions when my first years insurance cost more than my first car :eek:

GlynD

I've seen this discussed on the main board quite a few times Leolion. There's no easy way financially. From what I've read the best bet is to get her a car with an engine which is 1000cc or under and insure that until she's 25. The rules are there to stop children driving large engine cars until they have the experience to handle them.

saverbuyer

GlynD wrote: »

I've seen this discussed on the main board quite a few times Leolion. There's no easy way financially. From what I've read the best bet is to get her a car with an engine which is 1000cc or under and insure that until she's 25. The rules are there to stop children driving large engine cars until they have the experience to handle them.

This isn’t always the way it works.
Sometimes the exact opposite can be the case. It is actually sometimes cheaper to insure a young person on a "big" engine family car rather than a typical small engine hatchback. It’s all about the risk profile of the driver. I’ve read about instances where it was cheaper to insure a 17 year old to drive a 2l rover 75 than it was on a 1l 107.

christineperseus

you won't get insurance on a people carrier - more people to injure in an accident.

GlynD

saverbuyer wrote: »

This isn’t always the way it works.
Sometimes the exact opposite can be the case. It is actually sometimes cheaper to insure a young person on a "big" engine family car rather than a typical small engine hatchback. It’s all about the risk profile of the driver. I’ve read about instances where it was cheaper to insure a 17 year old to drive a 2l rover 75 than it was on a 1l 107.

This is the first time I'd heard of this situation but if you've come across it then it must be correct. I'll bear it in mind in future.

saverbuyer

GlynD wrote: »

This is the first time I'd heard of this situation but if you've come across it then it must be correct. I'll bear it in mind in future.

It comes up on the motoring board now and again. The thread below has a few examples from posters.

OP I suggest posing over on the motoring board. They should be able to offer some advice.

https://forums.moneysavingexpert.com/discussion/5043627

GlynD

saverbuyer wrote: »

It comes up on the motoring board now and again. The thread below has a few examples from posters.

OP I suggest posing over on the motoring board. They should be able to offer some advice.

https://forums.moneysavingexpert.com/discussion/5043627

Good advice. There are no exceptions on this one for NI as far as I know.

thetope

I'm also one that would point out the bus stop if the family car wasn't good enough for my 2 (that's a long way off though). If you are considering a 2nd car, do have a look at older "bigger" and less "cool" cars. My first car was a 1992 Audi 80 saloon and it was considerably cheaper to buy and insure than the peugeots/fords/polos & golfs my peers were driving. Not quite the same street cred, but evidently a lower risk profile. Sometimes you're better off to not follow the crowd.