Car Insurance for learner and new drivers

paraza

What is the best way to insure our car?

There are 2 new young drivers - just passed their tests - one aged 18 and one aged 21.

There are 2 learner drivers - both aged 17.

Plus 2 older drivers - aged 50+, many years no claims.

Confused whether to do a black box? Confused whether to do independent insurance for each driver or add to Mum and Dad insurance.

Prime aim is to keep cost as low as possible.

Thank you!

daveyjp

You may have to play with options.

All drivers on one policy.
Full licence holders on one policy, learners on standalone such as Marmalade
Older drivers on their own policy,  New drivers on new driver black box/app standalone policy (again Marmalade for an idea of what is available).

comeonyouredandwhitewizards

I have a 19 year old son who passed in nov 23 and the quotes im getting are ridiculous ...22k,15k and 10k i have already bought him a 1.2tdi polo group 2 insurance and im really struggling in fact its been parked on drive for a month ....ive tried me as a main driver and him named as well as the opposite.i refuse to pay these prices but am willing to go to 5k has anyone any ideas please???

CliveOfIndia

You can't put yourself as the main driver if that's not the case - you run the risk of being caught "fronting".

Has your son got a clean licence?

If you've tried the usual aggregator sites, as well as those companies who don't use the aggregators, it might be worth trying a broker.  Adrian Flux is one that springs to mind, but there will be plenty of others out there who may be worth a shot.

sheslookinhot

Try a different car, older unpopular model on the comparison sites. You may get a reasonable quote. Then of course, buy the car.

DullGreyGuy

comeonyouredandwhitewizards said:

I have a 19 year old son who passed in nov 23 and the quotes im getting are ridiculous ...22k,15k and 10k i have already bought him a 1.2tdi polo group 2 insurance and im really struggling in fact its been parked on drive for a month ....ive tried me as a main driver and him named as well as the opposite.i refuse to pay these prices but am willing to go to 5k has anyone any ideas please???

Insurance group represents how costly it is to repair above all else with some secondary consideration to safety and security equipment. Insurers dont use it in isolation, at best they use it in combination with the other material factor which is effectively "what is the average driver of this vehicle". Ultimately if a group 2 or group 50 car hits a line of kids at a bus stop how much the car costs to repair/write off is going to be immaterial to the total cost of the claim. 

It is often cheaper insure a car that is in a higher group but a 19 year old wouldn't want to be seen dead in, the traditional "old man car". Its not just true for 19 year olds either, when buying our last car we were considering a £25,000 group 23 car as something fun but sensible or a £90,000 group 50 car as a push the boat out thing... the latter was significantly cheaper to insure and even more so if we quoted for my wife to be added as a named driver and learner driver. 


As to putting yourself as the main driver and your son as a named driver... if this isn't the reality its called "fronting" and so the policy would be voided for fraud if it was determined that he was really the main driver.

chrisw

If you've used your real details on the comparison sites, switching main drivers, particularly between parents and children, can trigger anti fraud measures as it can't be both. They will assume you're looking to defraud them and will either not quote or quote ridiculously high prices.