Best way to insure car for me and my 17yr old daughter

RichardD1970

Car_54 wrote: »

The policyholder should be the main driver - presumably you. This will also almost certainly be the cheaper option.

My wife has been the main driver of our cars for years. I have always been the policy holder, registered keeper and owner (and filler-up )

brookhouse

I've used Admiral learner insurance for two 2-hour sessions, it's easier to do on subsequent sessions, and got a little bit cheaper the second time! However now looking for a longer term solution as the learner driver is gaining confidence and wants to go out more.

So I am researching the next step.

knightstyle

Before you get the insurance check if your daughter will get her own no claims discount whilst she is a named driver on your policy. Some companies do and some do not!

micc1312

I am in a similar situation.

I have just bought a car to take my niece out for lessons, and I intend to do this separately in daily or weekly chunks.

However, my big problem is the insurance cost for her after she passes.

I have been getting dummy quotes, and the cheapest I have found so far is approx £2500 extra per year.

I have been trying GoCompare, moneysupermarket, uSwitch, Direct Line, Co-op.

Does this price seem outrageously high to everyone, or is it average?

My niece is 17, and I bought a Jazz 1.2.

Any advice for reducing this cost will be gratefully received.

jimjames

micc1312 wrote: »

Any advice for reducing this cost will be gratefully received.

Black box fitted? About the only way to reduce it other than the smallest engine least fashionable car

micc1312

Thanks jimjames.


a. Black box - every quote I have received has included a black box tracking device, so unfortunately that's no help.
b. car size/spec - I deliberately bought a 1.2 Honda Jazz as a low-spec model in order to keep the insurance low. I will try a few dummy quotes with the smallest car I can find to see if it makes a big difference.


I must admit I am shocked by the quotes I have received.
Initially I read somewhere (here?) that an average learner insurance was around £560(?)
However I have since found out that this is only for learners.
When they pass the test, adding them as a named driver on the same insurance seems to cost around £2500 (cheapest quote so far)!!!


I am now regretting not thoroughly investigating this before buying my car.

koru

Car_54 wrote: »

The policyholder should be the main driver - presumably you. This will also almost certainly be the cheaper option.

Based on my discussions with the insurance company the policyholder could be the car owner or any of its drivers (whether they are the main driver or not). They suggested stating that the main driver is my newly qualified son, even though I told them that he is not actually the main driver. In my experience, putting the parent down as the main driver eliminates the cheapest quotes.

DoaM

Holy thread necromancy, Batman!