Car insurance for 17 year old

IdrisJazz

My daughter is about to turn 17, so I rang Aviva to add her to our car insurance policy as we planned to give her some additional driving experience while she's learning.

Aviva say they cannot insure anyone under 21 on any basis on any motor product. I am stunned that such a major insurer takes such a stance. I understand she's high risk, but someone has to be able to insure young drivers.

I'm going to do some comparison site searches, but would be helpful to hear about others' recent experiences, and whether there's anyone I should try who won't appear on comparison sites.

We are 3/4 through the policy year, so will need to find new cover elsewhere and cancel - not ideal.

Thanks

DE_612183

I used marmalade for my daughter - had to have a box fitted, but was fine.

DullGreyGuy

IdrisJazz said:

My daughter is about to turn 17, so I rang Aviva to add her to our car insurance policy as we planned to give her some additional driving experience while she's learning.

Aviva say they cannot insure anyone under 21 on any basis on any motor product. I am stunned that such a major insurer takes such a stance. I understand she's high risk, but someone has to be able to insure young drivers.

I'm going to do some comparison site searches, but would be helpful to hear about others' recent experiences, and whether there's anyone I should try who won't appear on comparison sites.

We are 3/4 through the policy year, so will need to find new cover elsewhere and cancel - not ideal.

Thanks

There are learner driver top up policies you can buy... so you are covered under the existing Aviva policy, likewise if the car is stolen whilst parked up. Only when she is in control of the vehicle would the top up policy take effect and so protects your NCD etc if she has an accident. 

There are some downsides in that it's not an annual policy and it self terminates when they pass their test. The more days cover you buy the cheaper per day it is but you then lose any unused cover if they pass quicker than anticipated. 

Phoenix72

I would suggest that if you are 3/4 through your existing policy then you leave it be. How soon do you think you are going to take her out. Personally I wouldn't consider it until at least a dozen or so lessons so that they are not picking up our bad habits, by which time your existing policy will be due for renewal?

What I plan on doing when the time comes is hiring a dual control car from Arnold Clark - £18 an hour I believe. 

400ixl

Not sure who you spoke to in Aviva, but that isn't true for all of Aviva, but it is made up of many sub brands and some of those may not.

Aviva actually do a Learner driver insurance for either on top or own car cover https://www.aviva.co.uk/insurance/motor/learner/

Lorian

This is pretty normal we used marmalade too but you may find others cheaper we just bought a month at a time.

daveyjp

Adding to an existing policy is no longer necessary,

We also used Marmalade buying the cover in three month blocks while daughter was learning and it was out about a £1 a day.

Its a standalone fully comp policy so any incidents don't affect main policyholder NCB.

DullGreyGuy

daveyjp said:

Its a standalone fully comp policy so any incidents don't affect main policyholder NCB.

They shouldn't but the underlying policy is the RTA insurer of the vehicle so in principle certain events could result in it having to deal with a claim (eg if you've made false declarations on the Marmalade policy)