car insurance for 22 year old first time driver

[Deleted User]

Hello all

What's your advice please? My 22 year old daughter is learning to drive and I'll soon be taking her out in my car to help her improve (wish me luck!). Whats the best (and by that I mean cheapest) way to get her insured?

Thanks

foxy-stoat

Run some quotes for small low CC engined cars and see what prices you get. Try adding you or another adult as well, drops the price a little.  If the car is low value then try Full Comp with a big excess.  Its not worth claiming anyway if its totaled as young new driver with no NCD and a claim will only make the next years insurance much higher.

I wouldn't bother looking at old Volvo 240 2.3ltr just because they are rarely crashed by young drivers, the quotes will be higher.

Car_54

foxy-stoat said:

Run some quotes for small low CC engined cars and see what prices you get. Try adding you or another adult as well, drops the price a little.  If the car is low value then try Full Comp with a big excess.  Its not worth claiming anyway if its totaled as young new driver with no NCD and a claim will only make the next years insurance much higher.

I wouldn't bother looking at old Volvo 240 2.3ltr just because they are rarely crashed by young drivers, the quotes will be higher.

But if I've understood the OP, he isn't looking to change cars but to insure his daughter on his own car.

He has two options. Add her to his own insurance, or take out learner insurance. It should be easy to compare costs.

Sandtree

Deleted_User said:

Hello all

What's your advice please? My 22 year old daughter is learning to drive and I'll soon be taking her out in my car to help her improve (wish me luck!). Whats the best (and by that I mean cheapest) way to get her insured?

Thanks

By shopping around... compare dedicated secondary policies to adding her to your policy to cancelling your policy and buying a new policy with her on it from the outset (though factor in cancellation costs in this option).

If its anything but a secondary policy then you'll also have to consider the cost of changing it once she passes her test (either changing her license or removing her) and it surprises most people but a newly qualified driver is more expensive to insure than a learner

macman

She's probably done you a huge favour already by starting to drive at 22 rather than 17. The premium should be much lower.
What is the car that you are insuring her to drive on? Hopefully nothing expensive or high-performance.

[Deleted User]

Its a Ford KA 1.2

2013

melb

I don't know if it's still the case but I used Marmalade learner driver insurance (and got quite a lot back in cashback on Quidco) when I was teaching my son in my car.  You can take out a policy for any amount of time I think I did 3 months.  He was also taking lessons at the same time. This was much cheaper personally for me than adding him to my own car insurance.
I don't know how legal it is but I started him off driving in a large supermarket car park after closing time on a Sunday just to get him used to using gears, clutch etc rather than him starting right from scratch with the driving instructor.
There are other alternatives to Marmalade  I think.

[Deleted User]

That sounds interesting! Thank you 

[Deleted User]

I've used Marmalade as well to teach my son to drive. I got a quote for normal insurance on my car and it went from £400 to £1800 to add him as a learner so didn't bother. Instead I bought a separate Marmalade learner insurance for £170 for 3 months (or £270 for 6 months) which works out much cheaper.

SoftCentaur

"I don't know how legal it is but I started him off driving in a large supermarket car park after closing time on a Sunday"

No .... it is not legal. You still need to be insured if the public have access to the car park. 

https://www.manchestereveningnews.co.uk/news/greater-manchester-news/learner-drivers-run-in-with-the-law-1143783

ontheroad1970

SoftCentaur said:

"I don't know how legal it is but I started him off driving in a large supermarket car park after closing time on a Sunday"

No .... it is not legal. You still need to be insured if the public have access to the car park. 

https://www.manchestereveningnews.co.uk/news/greater-manchester-news/learner-drivers-run-in-with-the-law-1143783

It's something that used to be tolerated until idiots in modified superminis started doing handbrake turns around car parks.  It was never legal.