Car Insurance - Learner Driver Over 26

willas00

Hi,

I'm hoping some of you may be able to give me some advice and maybe help me get a decent quote for car insurance.

I'm currently 26 and looking to start learning to drive. I previously held a driving license (provisional) which was revoked on medical grounds which I'm now able to have back (DVLA have confirmed it's in the post!)

So I have previous driving experience as well as driving experience on private land. Although I doubt this makes any difference insurance wise.

I have access to a 2000 Ford Focus 1.8 although not ideal for a learner driver due to the engine size it's my only option at the moment.

My plan is to sit my theory test in a month or so once my license arrives I can look at booking the test as I've been practicing for many months.

I need to be insured to drive the ford car but ideally I want my own insurance as I could earn my own NCB although if there are other legit ways I'm open to seeing my options.

Currently I've managed to come up with prices from £886 to prices well over £3000

I'm currently a full time carer so in receipt of IS and CA so question do I say I'm unemployed or tweak my job to carer? I've seen this as a top tip from Martin before I'd imagine after all someone employed is better than unemployed for insurance?

I hope to pass my test by the end of the year and of course having a NCB would be great for my 1st year.

For my first year as a new driver I plan to remain insured on the ford with the view of saving up for a small engine car.

The ford is owned by family member and is insured via Diamond. They have said I can be added on for £500 however as the insurance is paid annually the payment can only be split into 2 payments which is not really an option for me at the moment as I'd need to pay monthly.

P.S I also plan on doing the Pass Plus once I've passed

Any advice would really be appreciated.

Thanks in advance.

EdGasket

The cheapest option is for you to be added to the existing policy. £500 sounds about right. Guess if you can't afford it you'll be getting the bus until you can. Alternatively maybe a family member will pay each of the 2 payments for you and you pay them back monthly?

forgotmyname

Watch out for insurers that wont count any no claims before you pass your test.

I was told if your in receipt of benefits like job seekers or income support then your unemployed.

If a family member is adding you onto their insurance then you may not earn any no claims yourself. That insurer may offer a discount but they may not be that cheap in the first place and the same with pass plus.

It would have saved my daughter £3 but cost £100+ to do it. It was not cost effective.

infiniti82

If you say your unemployed this increases your premiums not reduce. But obviously don't lie as this can invalid your insurance if you don't inform them. I would suggest confused.com and admiral little box. Until you've built your no claims and held your licence for over 2 years (regardless of age) your premiums are going to be quite high. But I do suggest if you can afford to raise your excess (but afforable) and look at an admiral policy on a telematics (black box). I know your situation I was a older learner and pass but those first 2 years after passing your test are going to be high and higher still for anything of 1.6 and over.. hope you get a cheaper option.

infiniti82

Oh add on.. so forgetful... the pass plus is also very good to have. You have to take it I believe within a year after taking/passing your test.... but it doesn't always reduce you're premiums only certain insurers and up to about 25% reduction. I would imagine you'd be looking at a guestimate a premium at around £110 ish monthly! Based on car engine size and age. Plus as a learner probably no claims protection. Shop around but also go direct and use the quote against but I would recommend reviewing the "black box option" as my premium was high and high excess for years 1 and 2.. But now have 1 year no claims so down to about £65 monthly and £300 excess (1.4 litre engine).