Learner car insurance for 2 sons - help please

pounell73

hello all, I have been reading various threads on this topic and am slightly confused. 
I have 2 sons 17 & 19 who I want to insure on a small car (Peugeot 107 / C1 not yet bought).
I cannot add them to my car as its automatic & large, so I was planning on buying a cheap small car for them to use with me supervising whilst they have their driving lessons.

I have looked at me having the insurance on said small car & adding them as named drivers with provisional licenses (approx. £700) but that seems risky as its ultimately against my name & my no claims and I would rather not do that. 

If I use something like marmalade or Veygo to buy temporary insurance for both of them say a month, 3 months or 6 months, do I also need to have the car insured for the year against myself (for theft etc), car will live on the road outside my house so not on a drive.

Have also seen Collingwood mentioned, is that the same, if I get them insured each with their own policy do I need another policy in my name? (To be clear I don't intend driving this car, only supervising).
Thanks in advance.

sk2402005

Thats a difficult one, i think you will need to insure both of them seperatly, and the car does indeed need to be insured on the road.

You might be better off delaying the 17 year old for a few months, insure the 19 year old with you as as named driver, then i assume they will want their own car when they pass (or you get another one for the 17 year old)? then start again with the 17 year old with their insurance, and again you named driver?

Your probably looking at £2K+ for insuranbce once passed, probably higer for the younger one.

forgotmyname

Put the money towards lessons with a driving school.  Different controls could hinder them when learning.

DullGreyGuy

pounell73 said:
I have looked at me having the insurance on said small car & adding them as named drivers with provisional licenses (approx. £700) but that seems risky as its ultimately against my name & my no claims and I would rather not do that. 

If I use something like marmalade or Veygo to buy temporary insurance for both of them say a month, 3 months or 6 months, do I also need to have the car insured for the year against myself (for theft etc), car will live on the road outside my house so not on a drive.

Have also seen Collingwood mentioned, is that the same, if I get them insured each with their own policy do I need another policy in my name? (To be clear I don't intend driving this car, only supervising).
Thanks in advance.

Remember you can only use NCD on one policy at a time, so unless you have a spare NCD or intend to take the NCD off your current vehicle your NCD isn't at risk because cannot be used on this policy whilst also on another.  It would risk your claims history if it was stolen etc but not NCD.

Short term policies are top-ups, they only cover whilst the learner driver is driving the vehicle, they dont cover the vehicle at other times and dont report to MID so will be a breach of the Continuous Insurance Regulations. Some do offer annual policies for learners and those are full fat policies and dont need an underlying. Do check however what happens the moment you pass... with the temp policies they cease, not sure with the annual. 

You obviously can throw the net wide and just get a normal quote from all insurers interested. 

Remember that learner drivers are cheap to insure, it gets really expensive when they pass.

Arunmor

Call Collingwood or similar and ask them how to do it.  Bear in mind learner insurance lapses the moment they pass their test.

WellKnownSid

I just bought a little Fiesta and insured it myself - cost me about £150.  NCD made little or no difference (for the first quote I accidentally forgot to remove my full NCD - but making it zero only increased the cost by a few quid.

OK so I just checked my old emails:
Quote with full 25+ year NCD was £143.36
Quote with zero NCD was £148.96

This was for fully comp, third party only was £207.67

Then I just added Veygo for each child as and when required e.g. 1-2 or more hours at a time.

Don't buy a small car and expect it to be cheap to insure once they have passed their test.  Look out for cars that are not favoured by chavs - my son is now 19 and pays about £800 a year for a trouser-beige 2 litre 5 cylinder 163hp Volvo V60 auto.  He has lots of friends paying £3-6k+ for one litre cars.