Allowing nephew to use my car

Checkpoint_Charlie

Hello all! Wondering if anyone has experience and advice to offer!

My nephew has recently passed his driving test and I would like to give him access to my car. Adding him as a named driver on my policy does not enable him to start working towards his no claims.

So, very simply, what’s the cheapest way he can insure himself and start working towards his no claims? Does anyone know if the short term policies are any good/not extortionate? (Ie just get short term cover every now and again to cover weekends?). He is 25 in case that’s of importance.

Thanks for any thoughts offered :):)

oscarward

Some insurers will allow NCD for named drivers if they take out a policy with them in their own name.


If your current insurers don't do that then check out taking his own policy out, may be worthwhile talking to a broker?


I think driving experience bears a lot of weight so getting short term policies show a good driving record even if not building up NCB.


But be prepared for the question why 0 NCB with a 2 year full licence.

huckster

Don't think your Nephew can take out separate Insurance for your car in his name, as you already Insure the car in your name. There are temporary drivers type policies, but they would not give him no claims entitlement.

If your Nephew is working, why does he not buy his own car and insure it ? It is always expensive in the first few years of driving and there is not much that can be done to avoid this.

If your Nephew is earning very little and cannot afford to buy a car or insure it, then he will have to make do with occasionsl use of others peoples cars. He would have to be noted as a named driver on their policies or take out temporary insurance in his own name.

Agree that there are a few Insurers, where if they are a named driver, they can earn no claims, but only for a policy they take out later with the same Insurers. The Insurers might not be the most competitive option. Direct line ?

eddddy

Checkpoint_Charlie wrote: »

So, very simply, what’s the cheapest way he can insure himself and start working towards his no claims?

Surely, the cheapest way he can work towards his no claims discount is to delay getting insurance for as many years as possible.

The more years he has held a full licence, and the older he is, the lower his first year premium will be.

(Although as others say, some insurers have limited schemes for giving named drivers an NCD.)

Jlo31

These people may be able to help. https://www.wearemarmalade.co.uk/

Cheers

James

NCC-1701

Checkpoint_Charlie wrote: »

Hello all! Wondering if anyone has experience and advice to offer!

My nephew has recently passed his driving test and I would like to give him access to my car. Adding him as a named driver on my policy does not enable him to start working towards his no claims.

So, very simply, what’s the cheapest way he can insure himself and start working towards his no claims? Does anyone know if the short term policies are any good/not extortionate? (Ie just get short term cover every now and again to cover weekends?). He is 25 in case that’s of importance.

Thanks for any thoughts offered :):)

My thoughts offered....are you okay with losing your own no claims?

Checkpoint_Charlie

That’s a very good point - we’ll be sure to check what the impact would be if he has entirely his own policy. Thank you!