Insurance for 17 year old own car provisional licence

applepad

My son has been looking at cars, it's between a Kia picanto 1.0 or a Hyundai i10 1.2.

He takes his test in 2 weeks, but wants to buy the car today and have a little extra driving in it before his test.

I've done insurance quotes for both, based on him passing his test. But what's the best way to insure it before then?

The only think I'm sure of at the moment is that as I'm fully comp on my insurance, I could drive it home from the garage on my insurance 3rd party?.

spiro

applepad wrote: »

The only think I'm sure of at the moment is that as I'm fully comp on my insurance, I could drive it home from the garage on my insurance 3rd party?.

This normally only applies if the car you are driving is already insured. Check your insurance policy.

HHarry

Well to drive it home you could get a days insurance policy, which is what I did when we picked up my daughters car. I think it was around £25.

Why are you worried about the 2 week period before your son (hopefully) passes? Surely you'll just get a years policy - he can practice on his provisional, and then update the Insurer when he passes?

I think you do have to be careful as some Insurers will slap on a hefty uplift when he gets his full licence, due to the increased risk when he's drving on his own. We went with Direct Line for my Daughter, who were a bit more expensive as a provisional driver, but don't charge an additional premium when she passes.

applepad

Why are you worried about the 2 week period before your son (hopefully) passes? Surely you'll just get a years policy - he can practice on his provisional, and then update the Insurer when he passes?

I think you do have to be careful as some Insurers will slap on a hefty uplift when he gets his full licence, due to the increased risk when he's drving on his own. We went with Direct Line for my Daughter, who were a bit more expensive as a provisional driver, but don't charge an additional premium when she passes.[/QUOTE]

I'm not worried about the 2 week period before he passes, it's just seems hard to find a policy which will insure him as a provisional driver and then go on to cover him once he's passed.
Cheapest quotes for provisional are £500 for year which is good, but only cover 'provisional drivers' as specialist policy's , I did do 2 quotes with admiral-his friend is with them, and they want £2500 when he passes which is about £1000 more than the cheapest quote on a comparison website, but the cheaper insurer won't cover a provisional driver.

Think I will have to ring a broker tomorrow or he will just have to wait

Herzlos

I personally wouldn't touch a new car until he passes for a list of reasons:

1. You don't want him practising in a different car 2 weeks before the test
2. The pass rate is pretty low - about 50% IIRC, so he may not pass and the car will be unused for another couple of months at least
3. As you've noticed, insurance for learners is wildly different from insurance for new drivers. The insurer you take now for the provisional might not be the best one when he passes.

Let him pass in the car he's been learning in, and then go and get him one. If you really need to get it now, then just leave it SORN for the 2 weeks.

soolin

applepad wrote: »

My son has been looking at cars, it's between a Kia picanto 1.0 or a Hyundai i10 1.2.

He takes his test in 2 weeks, but wants to buy the car today and have a little extra driving in it before his test.

I've done insurance quotes for both, based on him passing his test. But what's the best way to insure it before then?

The only think I'm sure of at the moment is that as I'm fully comp on my insurance, I could drive it home from the garage on my insurance 3rd party?.[/QUOTE]

That would depend on the wording of your policy, as has already been stated the car might need to be insured- but also there is no automatic right to drive another car with fully comp , only if your policy allows it.

missile

You could ask garage to deliver car to your home.

davemorton

Take out a 1 month learner policy in his own name. (But as already said, best option is to just leave it and see if he passes or not).

silvercar

We did this for our son. Insured it in his name on a provisional licence and then updated when he passed.

It meant that he could practice on his car and then use his car for the test, which saved 2 hours of driving lesson fee.

If I recall, we used direct line who didn't add extra when he passed, but it was a few years ago.

Madmel

Did similar to other posters with DD. My father bought her a 23 month old Kia Rio on condition that he could also drive it when visiting us. I did lots of comparisons and ended up getting a policy in her name with me, her father and grandfather as additional drivers. It cost around £550. As soon as she passed her test (7 weeks later) I rang up and then paid more as she would no longer have one of us accompanying her.