Children as L drivers

Ciprico

...so are there any gotcha's or hacks to consider when adding
17 year old learner to family car policy.

We've been given a 1.4l hatchback, which has MOT and will be insured/taxed Jan 1st, and are planning to use as 2nd family car/learner car (original 2nd family car SORNed)...

It seems "fully comp" is only marginally more expensive than "tp/fire and theft" - was different my day...

I can protect my NCB for a few £ extra.

I appreciate when son passes we have to be careful about how much he can use the car as a "named driver" and a 1.4 Polo may be very expensive to insure - so will cross that bridge when we get to it.

I was insured with Saga, but they won't touch learner drivers, comparison websites provide various options for about £260/280..

Is there anything else I need to know...

Many Thanks....

Shaun_of_the_Dead

£260 with a 17 year old as a named driver?

Ciprico

Shaun_of_the_Dead wrote: »

£260 with a 17 year old as a named driver?

Myself as main driver, wife as named drive, son on provisional license as named driver. (He hasn't passed test so won't be driving unaccompanied, the point being to give him something to learn in...)

phill99

Shaun_of_the_Dead wrote: »

£260 with a 17 year old as a named driver?

They are basing the risk on Mum and Dad. The Son will be a learner driver with Mum or Dad as the 'instructor'. So it is they that are deemed the risk, not the son.




However, when the son passes his test and if he becomes the main driver, another zero can be added to the quote!!

Shaun_of_the_Dead

phill99 wrote: »

They are basing the risk on Mum and Dad. The Son will be a learner driver with Mum or Dad as the 'instructor'. So it is they that are deemed the risk, not the son.




However, when the son passes his test and if he becomes the main driver, another zero can be added to the quote!!

Is that we're true how do they calculate the risk if it's their first time instructing?

daveyjp

Shaun_of_the_Dead wrote: »

Is that we're true how do they calculate the risk if it's their first time instructing?

Like all risk, from previous claim records for that profile of customer.

My dad was a driving instructor doing 30,000 teaching miles a year. His policy was little more than my mum who drove about 3,000 a year and has never had a claim.

born_again

Look at one of the L driver insurance co's where your son pays for his own insurance.
No risk to your NCD or increased premiums due to something out of your control.

Do you have more than one set of NCD, To cover the 2nd car? Or are you doing a multi car policy?

Mercdriver

born_again wrote: »

Look at one of the L driver insurance co's where your son pays for his own insurance.
No risk to your NCD or increased premiums due to something out of your control.

Do you have more than one set of NCD, To cover the 2nd car? Or are you doing a multi car policy?

that is very likely to be more expensive than what they already have a quote for.

born_again

Mercdriver wrote: »

that is very likely to be more expensive than what they already have a quote for.

It maybe, but one crash and I dread to think of the premium next year for the main & L driver if they have passed their test.

Ergates

Shaun_of_the_Dead wrote: »

Is that we're true how do they calculate the risk if it's their first time instructing?

Statisically speaking, people just learning to drive with their mum or dad in the car next to them don't drive around like loons at high speed. Their definitely not good drivers, but they're also not particularly risky to insure as their accidents tend to be low speed - they don't (generally) kill people or write off other peoples cars.

Sea_Shell

born_again wrote: »

Look at one of the L driver insurance co's where your son pays for his own insurance.
No risk to your NCD or increased premiums due to something out of your control.

If you have this type of insurance, surely you'd still need to notify the MAIN insurer (parent's) that there has been an incident involving that vehicle and driver, even if no CLAIM is being made against that policy. Therefore the premiums for that policy may still increase, albeit without loss of NCD.