Young drivers insurance

Trickeey

Hi all, Ive been trying to get insurance cover for my learner driver son, been to all the usual sites, Quinn currently being the favourite but one thing that I can't get an answer to from any of the insurers is this. Why don't the insurers ask if the driver has any experience of actually driving ? Surely someone who has had 30 or so lessons with a professional instructor (in theory) must be less of risk than some one who has never driven before.

For example my sons friend was 17 on Tuesday, his parents bought him a car and are intending to teach him themselves. My son was 18 the same day and has been learning for 9 months yet his premium is the same as his mate based on the same car.

I also found that there seems to be a set "minimum charge" with most of the insurance companies for young drivers which dosn't relate to the actual vehicle. I got quotes for a £1700 2001 Citroen Saxo and then changed it to a £8000 2006 Fiesta. Price came out about £10 higher.

darich

why should someone with more lessons be less of a risk? it could be argued more lessons means they're a slower learner.
Either way, neither your son nor his friend have a licence so both are classed in the same way - learners.
Insurance is expensive but i don't think there's any get around for this.

custardy

Trickeey wrote: »

Hi all, Ive been trying to get insurance cover for my learner driver son, been to all the usual sites, Quinn currently being the favourite but one thing that I can't get an answer to from any of the insurers is this. Why don't the insurers ask if the driver has any experience of actually driving ? Surely someone who has had 30 or so lessons with a professional instructor (in theory) must be less of risk than some one who has never driven before.

For example my sons friend was 17 on Tuesday, his parents bought him a car and are intending to teach him themselves. My son was 18 the same day and has been learning for 9 months yet his premium is the same as his mate based on the same car.

I also found that there seems to be a set "minimum charge" with most of the insurance companies for young drivers which dosn't relate to the actual vehicle. I got quotes for a £1700 2001 Citroen Saxo and then changed it to a £8000 2006 Fiesta. Price came out about £10 higher.

unfortunatly your son is in the highest risk group from an insurers point of view.so the preiums reflect this

x-Princess-Vikki-x

www.clickthepepper.com

ITS BRILLIANT!! £70 a month for ANY car for the 1st month and £50 for the months after that! only for provional learners! Im using it because im learning and its fab! Hope this helps!

Trickeey

custardy wrote: »

unfortunatly your son is in the highest risk group from an insurers point of view.so the preiums reflect this

Understood, and obviously every learner is very different but although the insurers want to know how long you've had a licence, provisional or full, they dont seem to want to know if you've ever actually sat behind the steering wheel.

Trickeey

x-Princess-Vikki-x wrote: »

www.clickthepepper.com

ITS BRILLIANT!! £70 a month for ANY car for the 1st month and £50 for the months after that! only for provional learners! Im using it because im learning and its fab! Hope this helps!

Thanks for that Princess-Vikki I just had a quick look it looks pretty good !!

Cheers, Trickeey

raskazz

Trickeey wrote: »

Understood, and obviously every learner is very different but although the insurers want to know how long you've had a licence, provisional or full, they dont seem to want to know if you've ever actually sat behind the steering wheel.

There are two reasons for this:

1) If you've been learning for 10 years is it because you're actually not a good driver as it took you a long time to pass your test; or is it that you're a good driver because you have a lot of experience?

2) The time spent learning is unverifiable.

x-Princess-Vikki-x

its ok! anything to help lol

it is really good. and its for ANY car!! which is odd lol

but its really great and i recommend it =]