Car Insurance for a 17 year old

BOWFER

Ibrahim5 said:

BOWFER said:

Ibrahim5 said:

BOWFER said:

Hunyani_Flight_825 said:

My daughter 17 passed her test in May; Fabia 1.2 Monte Carlo Estate and this is what we pay (Privilege)  £477 with no black box. Both parents as named drivers.

I bit their hand off, after tripled checking the quote.

Went via the meerkats.

That's got to be TFPT?
I'm in one of the lowest risk areas in Britain and we're a lot more fully comp.
I did wonder if fully comp was worth it when her car is o ly worth around £4k, but went with it.

I don't think there is much difference between fully comp and TPFT. It's all about the damage they do to other people and property not the value of their own. We have always paid about £600 without a black box. I have a feeling the biggest factor in the differences is the area you live in. I know with LV you had to nominate the main driver. It was £30 extra for them to be the main driver.

I've never, ever, see such cheap insurance for a new driver, it's astounding.

I couldn't believe it when I phoned the insurer after they passed their test. I was going to tell them they had made a mistake but thought better of it. Just waited to get emailed the documents, and then checked every single detail was correct before letting them drive.

So roughly where do you live?
Is it for her own insurance, IE for her own car?

Flight3287462

BOWFER said:

That's got to be TFPT?
I'm in one of the lowest risk areas in Britain and we're a lot more fully comp.
I did wonder if fully comp was worth it when her car is o ly worth around £4k, but went with it.

Fully comp.

jimjames

BOWFER said:

jimjames said:

 Other option is to use your policy with her as named main driver

I'm not sure I follow.
If you're putting someone else on your insurance, they can't be a main driver.

Why not? It's your policy, the question is asked - who is the main driver? If you lie and say it's the parent that's fronting, if you say it's the child if that's the correct answer then they are main driver on your policy. Looks like a learning experience on this thread!

BOWFER

jimjames said:

BOWFER said:

jimjames said:

 Other option is to use your policy with her as named main driver

I'm not sure I follow.
If you're putting someone else on your insurance, they can't be a main driver.

Why not? It's your policy, the question is asked - who is the main driver? If you lie and say it's the parent that's fronting, if you say it's the child if that's the correct answer then they are main driver on your policy. Looks like a learning experience on this thread!

I genuinely wasn't aware I could take out a policy, but name someone else as the main driver - every day is a school day.
I can't get my head around how this would work though, or what advantages it would give, especially when I have my car and our daughter has her car (and never the twain shall meet).

Sandtree

BOWFER said:

jimjames said:

BOWFER said:

jimjames said:

 Other option is to use your policy with her as named main driver

I'm not sure I follow.
If you're putting someone else on your insurance, they can't be a main driver.

Why not? It's your policy, the question is asked - who is the main driver? If you lie and say it's the parent that's fronting, if you say it's the child if that's the correct answer then they are main driver on your policy. Looks like a learning experience on this thread!

I genuinely wasn't aware I could take out a policy, but name someone else as the main driver - every day is a school day.
I can't get my head around how this would work though, or what advantages it would give, especially when I have my car and our daughter has her car (and never the twain shall meet).

Its a bit more of a traditional way of doing things and many insurers don't have the option for this.

As to when it happens... the times I typically saw was the old boy had his car, his NCD and as he's got older he still wants it to be his policy but now his Mrs or Daughter or Carer were the main drivers

Ibrahim5

We always have a large family car and we keep a small runaround which was hardly used. It would have been crazy to buy another car. My wife and I have both got very good driving records. We live in a nice part in the North of England. I guess the other part was we owned the runaround from new. That is supposed to be good for car insurance. Long term ownership.

Ibrahim5

The downside is that the young person doesn't build up their own NCB. However insurance should be cheaper when they do build it up in their twenties rather than their teens.

jimjames

BOWFER said:

jimjames said:

BOWFER said:

jimjames said:

 Other option is to use your policy with her as named main driver

I'm not sure I follow.
If you're putting someone else on your insurance, they can't be a main driver.

Why not? It's your policy, the question is asked - who is the main driver? If you lie and say it's the parent that's fronting, if you say it's the child if that's the correct answer then they are main driver on your policy. Looks like a learning experience on this thread!

I genuinely wasn't aware I could take out a policy, but name someone else as the main driver - every day is a school day.
I can't get my head around how this would work though, or what advantages it would give, especially when I have my car and our daughter has her car (and never the twain shall meet).

The benefit is that the NCB is applied to the policy that has the young driver on. My son's policy would have been over £2400 for him to insure the car in his name with zero NCB. On my policy it was £900 with him as main driver. 12 months on it's under £800 for him to have policy in his own name and start accruing NCB himself so that year was worthwhile. We also have another car he is named on but isn't the main driver so it is very much mix & match.

DB1904

BOWFER said:

jimjames said:

 Other option is to use your policy with her as named main driver

I'm not sure I follow.
If you're putting someone else on your insurance, they can't be a main driver.

Absolutely no reason why they can't, I've done it on more than one occasion.

BOWFER

Ibrahim5 said:

The downside is that the young person doesn't build up their own NCB. However insurance should be cheaper when they do build it up in their twenties rather than their teens.

We took out learner insurance when our daughter turned 17, so she earned a year's NCB before she'd even passed her test.