Passed driving test today - need insurance help!

Maureen43

Hi All

As the title says, my 17 year old dd passed her test today. :T

Martin's guide for young driver insurance seems to be geared towards those with their own cars, but she will have to share my car.

To date, while she was a learner, she had her own Marmelade learner driver policy on my car, and I had my own separate policy.

Is that possible now she has passed i.e. for us both to have our own separate policies on the same car?

Or is it cheaper to have her as a named driver on my car? Or a "black box" policy?

Thanks
Maureen

DCFC79

Whilst you wait for replies ask your insurer how much it would be to add yourdd to your policy.

SailorSam

Congratulations. It's one of the most nerve rattleing days of your life. Now you can really learn to drive.

Maureen43

My insurer has quoted £1000 just for the remaining 8 months of the policy! I only drive a Fiesta

forgotmyname

Possibly cheaper to buy her her own car. A cheap runabout just in case they have little parking dings etc.

i wouldnt want that risk with my no claims.

tacpot12

£1000 is very good for 8 months insurance for a newly qualified driver. £2000 is not unheard of.

If you want to put your daughter on your policy, I would put your and her details into a comparison website and cancel your current policy when the new policy starts. If your current policy renews in 8 months time she won't have 1 years no claims bonus when it renews.

Maureen43

Is that possible now she has passed i.e. for us both to have our own separate policies on the same car?

Quentin

Yes.

Many insurers will allow drivers to take out cover on cars owned by their parents

Hers will still be expensive!

Maureen43

Quentin wrote: »

Yes.

Many insurers will allow drivers to take out cover on cars owned by their parents

Hers will still be expensive!

I know it will still be expensive. I will have to weigh up the cost of the various options.

forgotmyname

Hers maybe double the £800 you were quoted. Plus the headaches of which policy do you claim on if something happens with neither of you at the wheel.

Someone crashes into it whilst parked, or you find a scratch that neither of you think you did, do you claim of your policy or theirs?

Maureen43

forgotmyname wrote: »

Hers maybe double the £800 you were quoted. Plus the headaches of which policy do you claim on if something happens with neither of you at the wheel.

Someone crashes into it whilst parked, or you find a scratch that neither of you think you did, do you claim of your policy or theirs?

I hadn't thought of that!