MMD: Should I make my son pay for his mistake?

edited 20 March 2018 at 7:15PM in Marriage, relationships & families
41 replies 14.5K views
Former_MSE_NaomiFormer_MSE_Naomi Former MSE
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This week's MoneySaver who wants advice asks...
My 19-year-old regularly borrows the family car, and contributes money to its running costs. He was recently in a small accident and badly dented the bumper. Our insurance will cover the repairs but my husband thinks we should make him pay upfront to teach him to take responsibility.

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  • Comms69Comms69 Forumite
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    He pays towards running costs, presumably insurance is included, he's entitled to claim on that.
  • onomatopoeia99onomatopoeia99 Forumite
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    He should pay the insurnace excess and the difference between next year's premium and this year's (plus his share of the original cost since he's paying to running costs).

    Actually, he should buy his own car.
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  • GloomendoomGloomendoom Forumite
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    Comms69 wrote: »
    He pays towards running costs, presumably insurance is included, he's entitled to claim on that.

    Seems fair as long as he agrees to also pay for the excess and the increase in the premium for subsequent years.

    It might be cheaper just to pay for the repair up front.
  • Comms69Comms69 Forumite
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    Seems fair as long as he agrees to also pay for the excess and the increase in the premium for subsequent years.

    It might be cheaper just to pay for the repair up front.



    Excess sure, increased premium, no.


    It's why we have insurance.
  • MojisolaMojisola Forumite
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    MSE_Naomi wrote: »
    My 19-year-old regularly borrows the family car, and contributes money to its running costs. He was recently in a small accident and badly dented the bumper. Our insurance would cover the repairs but my husband thinks we should make him pay upfront to teach him to take responsibility.

    Was the damage the result of irresponsibility on your son's part?

    If you had an accident, would your husband insist on the same terms so that you learned to take responsibility?
  • Marvel1Marvel1 Forumite
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    He should pay the insurnace excess and the difference between next year's premium and this year's (plus his share of the original cost since he's paying to running costs).

    Actually, he should buy his own car.

    Insurance goes up annually claim or no claim, will be extra wirh claim, so needs to be worked out with claim added.
  • silvercarsilvercar Forumite, Ambassador
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    He's 19 and a relatively new driver. You knew this risk when you agreed to lend him the car.

    Be very grateful he wasn't injured.
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  • Mojisola wrote: »
    Was the damage the result of irresponsibility on your son's part?

    If you had an accident, would your husband insist on the same terms so that you learned to take responsibility?

    Presumably it's her car just as much as her husband's, which isn't the case with the son.
  • cjdavies wrote: »
    Insurance goes up annually claim or no claim, will be extra wirh claim, so needs to be worked out with claim added.

    My insurance has NEVER gone up, in the entire 12 years Ive been driving.

    Even when I wrote off my car my insurance went down (switched suppliers, but still...)
  • Marvel1Marvel1 Forumite
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    My insurance has NEVER gone up, in the entire 12 years Ive been driving.

    Even when I wrote off my car my insurance went down (switched suppliers, but still...)

    :( mine does and i shop around as per Martin's guide.
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