Struggling to get car insurance

Bue21

we got insurance in my son’s name when he was 17 but had to pay the full amount up front (not monthly instalments). I assume this is because under 18s can’t enter into credit agreements. They were happy to accept my credit card. I should add we had a telematics policy for the first year as it was the only way to make it reasonable!!

400ixl

Telematics is an option, but don't assume it is cheapest. Never has been in the last 4 years for our daughter (or at least significantly enough to be worth the hassle).

Telematics policies can have restrictions such as not driving at night.

But certainly worth considering if it is a must.

chrisw

Ayr_Rage said:

Do not insure the car in your name and add your son as a second driver if he intends to be the main user.

That is fronting and illegal.

The correct option is for your son to get insurance in his own name.

There is nothing wrong with the insurance being in the OPs name as long as the son is correctly declared main user. The downside is that the son will not earn any NCD of their own for future years.

Lorian

Is he commuting only or using the car for the actual job?