Young driver insurance

amanda1024

I definitely didn’t intend to suggest anything fraudulent! I was just remembering back when I was 17 myself and my parents got a second car for me to learn in; I think my mum was registered keeper and insurance was in my name but both car and insurance were paid for by my dad and both my parents drove the car as well as me, it was just that this combination seemed to work out cheapest. I’d be hard put to say which of us drove the car more miles/hours (or however the insurers define main driver), and definitely wouldn’t have been able to do this with any accuracy in advance - how do insurers expect people to do this?

But OP, if one possibility is for dad to drive the car to work and son to use at weekends that sounds like dad would legitimately be main driver?

Kim_13

ohwhathaveidone said:

Maybe look in to son buying a scooter instead of a car, good luck.

This could be an idea.

Having passed a car test one automatically has a full moped licence once a CBT has been completed.

lordmountararat

I passed my test 60 years ago and paid £11 a year for insuring my 1937 MG TA. This was actually more than a week's pay, but still much cheaper pro rata than today. Young people do seem to be royally ripped off over car insurance.

uknick

lordmountararat said:

I passed my test 60 years ago and paid £11 a year for insuring my 1937 MG TA. This was actually more than a week's pay, but still much cheaper pro rata than today. Young people do seem to be royally ripped off over car insurance.

I'm sure 60 years ago

a) not many 17 to 20 year olds could afford to buy, let alone run a car (when I was 17 back in the late 70s nobody I knew owned a car. The best those rare ones with a car licence could do was to borrow a parent's car) and
b) there weren't so many stories of young drivers having serious/fatal crashes with their mates in the car with them.

Flugelhorn

best wait to learn to drive until about 25 - DS's first year insurance was £700 starting 3 days after he passed his test and £500 for the second year, parents as named drivers 

400ixl

Flugelhorn said:

best wait to learn to drive until about 25 - DS's first year insurance was £700 starting 3 days after he passed his test and £500 for the second year, parents as named drivers 

Not necessarily at all, my daughter passed at 17 and her insurance was under £900 in her own car and is still below £600 now at 20. This was in a 3 year old Hyundai i20 in the higher powered 1.2 variant, so not even the least powered version.

We are fortunate to be in a low risk area which helps.

Nebulous2

uknick said:

lordmountararat said:

I passed my test 60 years ago and paid £11 a year for insuring my 1937 MG TA. This was actually more than a week's pay, but still much cheaper pro rata than today. Young people do seem to be royally ripped off over car insurance.

I'm sure 60 years ago

a) not many 17 to 20 year olds could afford to buy, let alone run a car (when I was 17 back in the late 70s nobody I knew owned a car. The best those rare ones with a car licence could do was to borrow a parent's car) and
b) there weren't so many stories of young drivers having serious/fatal crashes with their mates in the car with them.

It depended where you came from and what sort of industry there was. I was in a rural area at that time, where the earnings potential was good, and most 17 year old males had cars. Unfortunately there were a lot of accidents with some fatalities.