insuring young/new driver

bouicca21

Passplus and advanced driving qualification can reduce premium.

I'm being stung for a substantial extra whack for a 25 year old who is on the policy 'just in case'. DirectLine actually rang me up to check that I was the registered keeper and main driver.

dannyrst

Ant555 wrote: »

Just out of interest who are you using for your insurance as I might try them for a quote - However, despite your incredulity, I am sure that comparing premiums for a 23 year old and a 17 year old is not really 'like for like' as far as insurance companies go regardless of the new driver status.

Aviva, who aren't on price comparison so people tend not to even think about them.

Bigphil1474

Direct Line also do a black box for young drivers so worth checking out.

dannyrst

CobaltBlue wrote: »

Also looking for advice on this issue...


My GF passed her test in 2009. Had a year of driving, then hit from behind by a (presumably non-insured) driver who failed to stop. GF's car written off and she claimed on her own insurance. That was in 2011 and she hasn't driven since.


So I assume that as the costs were not recovered by her insurer, then GF has zero NCD years..? (regardless of fault).


Looking to find GF small car for commuting to work.
Been quoted 1k for third party cover on a 1L Yaris.


Now planning to start looking at Insurance Group 1 cars and move on from there.
At least her annual mileage should be quite low.


Am I correct in thinking you can't increase your excess for third party only cover?


Also, am I correct that now (after 4 years), GF will NOT have to declare the claim she made - but will still not have any NCD years? So there is no longer any financial benefit to waiting to start paying motor insurance, apart from the fact that she will be getting older...?


(ie the first few years of driving without any NCD will be expensive however long she waits...)


Anyone got any other advice / ideas..?


Thanks.


PS: GF currently working as office admin. If she were to change roles into one that involves driving for work, would her employer be able to provide her with a work vehicle / pool car etc and GF build up her NCD years that way? Or is it only 'personal' driving history / insurance that applies when building up NCD years..?

First bold point, NCD only lasts for a year of no driving (or at least that was the case for my mum when she sold her car). So given that she hasn't had a policy since 2011, she has 0 NCD regardless of whether the accident ever happened.

Second point, I'm sure it's usually 5 years, but will be clarified when you do a quote .

AdrianC

dannyrst wrote: »

First bold point, NCD only lasts for a year of no driving

Two, normally.

dannyrst

AdrianC wrote: »

Two, normally.

Ah. Slightly better I suppose!

Ant555

Also, am I correct that now (after 4 years), GF will NOT have to declare the claim she made - but will still not have any NCD years? So there is no longer any financial benefit to waiting to start paying motor insurance, apart from the fact that she will be getting older...?

Some quotes only ask if you have had any claims in the last 3 years although I can't remember specifically which company as ive been on so many sites recently.
Most are 5 years though.

A NCD is just that an arbitrary discount applied by a provider. 4 years discount might be worth 30% with one insurer whereas another might apply a 40% discount after 4 years without a claim. If the second quote was higher before any discount applied then the end result in those two instances might be about the same premium.

As your gf is getting 'older' her original (before discount) premium might still be falling slightly.

Hope this helps

Quentin

You do need to give the history that is asked for. (Claims are not "spent" after 4 years)


Certainly Aviva ask for only 4 years history, though you may find that those that ask for the normal 5 years won't add much for a single no fault claim made 4 years ago.

AdrianC

Quentin wrote: »

You do need to give the history that is asked for. (Claims are not "spent" after 4 years)

I think there's some confusion going on with convictions.

Even so, I'd be declaring that extra year of convictions. The extra premium is likely to be small compared to the results of being discovered in the event of a claim.

Quentin

Correct .