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Telematics insurance with youngster as a named driver

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Rich99
Rich99 Posts: 62 Forumite
Part of the Furniture 10 Posts Combo Breaker
edited 5 May 2024 at 3:26PM in Motoring
Hi, my son has just passed his driving test, and we're adding him to my wife's car insurance. On the comparison sites, Hastings YouDrive (with Telematics) is the cheapest. What I don't quite get is that it says the main driver must have the app installed on their phone and named drivers are not scored. Yet in our case the main driver is my wife, and presumably the telematics are being used because we have a young driver named on the policy. So wouldn't it make more sense for the young driver to have the app installed? Obviously the black box is there all the time, but can anyone clarify for me what the app actually does, and whether I'm right that it would be my wife who has the app installed?

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  • sheramber
    sheramber Posts: 22,451 Forumite
    Part of the Furniture 10,000 Posts I've been Money Tipped! Name Dropper

    https://www.hastingsdirect.com/youdrive/

    Will my named drivers get a score?

    No, we won't score named drivers and they don't need to download the app, but we do use data from the tab, so if someone else is driving it may impact your price.

  • Rich99
    Rich99 Posts: 62 Forumite
    Part of the Furniture 10 Posts Combo Breaker
    Thanks, I read that too, but it doesn't really answer my question - I'm querying why that is the case, because it doesn't make sense?
  • mgfvvc
    mgfvvc Posts: 1,225 Forumite
    Part of the Furniture 1,000 Posts Name Dropper
    If you haven't bought yet, how does that compare with a separate Marmalade Named Young Driver policy?
  • Rich99
    Rich99 Posts: 62 Forumite
    Part of the Furniture 10 Posts Combo Breaker
    Marmalade is a LOT more! Hastings is ~£1,100, marmalade is £3,200!!
  • born_again
    born_again Posts: 20,377 Forumite
    10,000 Posts Fifth Anniversary Name Dropper
    My take on this would be that, main driver gets scored. Others do not. But they will soon pick up who is driving most & that may cause problems if it is son....

    But this policy is being touted to most people. It was cheaper for me. But no way am I having anything fitted to car.
    Life in the slow lane
  • Rich99
    Rich99 Posts: 62 Forumite
    Part of the Furniture 10 Posts Combo Breaker
    We wouldn't be fronting, me or my wife will drive it more than our son. 
  • daveyjp
    daveyjp Posts: 13,533 Forumite
    Part of the Furniture 10,000 Posts Name Dropper
    As the main driver is your wife the policy is probably not suitable for your son as he is a named driver.

    We've just been through this for my daughter and the telematics policies had so many caveats and restrictions we sacked it, cancelled an existing policy and found a policy at a sensible price with daughter as a named driver.
  • sheramber
    sheramber Posts: 22,451 Forumite
    Part of the Furniture 10,000 Posts I've been Money Tipped! Name Dropper
    The policy  is designed to the main driver. It is not  designed to cover   the named driver so does not appear to be relevant for what you want.
  • Herzlos
    Herzlos Posts: 15,876 Forumite
    Part of the Furniture 10,000 Posts Photogenic Name Dropper
    The telematics will record all driving. So if your son does something he shouldn't it'd impact your partners score.

    I don't think they necessarily care who is doing the driving as long as the driving meets their standards.
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