Small economial car to add my teenage son to the insurance

daveyjp

C1s etc can be expensive to insure because new drivers buy them believing a low insurance group equals low policy cost.

Unfortunately as lots of young people buy them and young people have higher numbers of claims the insurance for them can be expensive.

My wife has a group 11 Mercedes and it is a lot less to insure than her Group 2 Aygo was.

macman

Your son is at college-so does he live at a different address in term time?
It doesn't matter what people on here assume about fronting, it's about what your insurers will decide in the event of a claim arising, with your claim potentially denied.

Wh05apk

I think you will do better having a separate policy for your son, with you or your husband as a named driver, the premium will be similar but it will be his policy so he will build up his own no claims, and any accidents will not affect your no claims.


It might even be with buying him a separate car, or even keep your existing car and you buy another? this is what we did with my son and daughter, my son has an Ibiza (don't know why but theses are incredibly cheap for what is basically a VW polo) and at 17 we could have got his insurance for under £700, which seems remarkable.

MysteryMe

The OP presumably does not want to be a three car household.

It is quite clear in what the OP has posted that she is changing her own car to another car that she will be using on a daily basis to drive to her place of work. There will be no change in use or circumstance as far as the owner of the vehicle is concerned. The change is that she will also be adding her son onto her policy for driving tuition (good luck with that, I ended up wanting to murder my Dad within a km) and when he passes his test to be allowed to drive when the OP is not needing her car. There is nothing in what the OP has said that indicates the car will primarily be used by her son or is being used as a front. She always had her own car and and is perfectly entitled to continue having her own car.

Ant555

I know this thread is a year old but can the OP post back if there was a favourable outcome?

If so then what car and insurance?
Thanks

forgotmyname

Just because its a group 1 or 3 does not mean its going to be cheaper than a group 5 or 7 car.

I checked a quote for my daughter a while back and a 1700cc Volvo came out cheaper than a 1000cc Corsa.

fred246

I bought a Fiesta 1.25 Style 60PS for my 18 year old. I am insured with LV and it came out at £620. It was £30 more for him to be the main driver. I don't think he actually is the main driver but nobody seems to know exactly what main driver means. I thought it was worth £30 to avoid any arguments. It's a lovely car - it's got everything except power but that's what you have to accept to insure this age group.