Rule of thumb insurance for 17yr old learner

Mistermeaner

Hi going to price it all up on line tomorrow but just wondering if experienced forum users know of a ‘best’ way to insure a 17yr old leaner on mum and dads car

we have a 7 year old Yaris on which im main driver and mrs is named, we have 10+ years no claims no points etc so our fully comp premium is 200 a year. It’s coming up for renewal this month 

son is 17 and learning and wondering what’s best way to get him insured in general eg add him to our policy as named driver , or get him his own policy or go for a monthly PAYG learner only insurance

then what when he passes (test booked jan) - if he’s on our policy are we stuck with whatever premium increase they add when we passes?

gut says getting him his own monthly learner insurance is best in short term indicative quotes are 30-40 per month and then review full insurance once he passes 

appreciate any guidance based on others experiences

thanks 

oldernonethewiser

I got specific learners insurance, from Marmalade, so that any bumps wouldn't have any effect on my own insurance.

Barkin

My own recent-ish experience was that by far the cheapest way was to add as a named driver on my policy.

I can't recall exactly what the cost was - certainly nowhere near 40 quid/month

Ms_Chocaholic

I understand that to add a learner drive to your policy is not too exorbitant as the insurance company know that the learner is always accompanied, however prices increase dramatically once the learner passes their test,

Aretnap

Mistermeaner said:

then what when he passes (test booked jan) - if he’s on our policy are we stuck with whatever premium increase they add when we passes?

No, if the premium they want is too high you can always take him off your policy at that point, or cancel your policy altogether and find an insurer who will let you add him for a lower price. (Though of course, realistically with a newly qualified 17 year old named driver it's going to be a lot more than £200, wherever you go).

daveyjp

For our 17 year old daughter, also in a similarly aged Yaris, a Marmalade policy was about £30 a month for 6 months cover.

Despite the comment above, the quote for adding her to an existing policy was a couple of thousand pounds.

When she passed her test to put her on a policy was just over £1,000 extra.

tifo

You can get PAYG learner driver insurance and I used COVERED ON DEMAND (you buy 28 days and choose which days to use over 2 months) and COLLINGWOOD for a set period (1 week to 8 weeks).

When the learner passed my insurer wouldn't add them as named driver even though I bought a Ford Fiesta just to teach them and to later have the car. This was 3 months ago. The reason was that it's a high risk car for young drivers !!

For their own policy i'm getting quotes of £410 a month so nearly £5,000 a year.

As an example, when other family members passed some years ago we paid around £4,000 a year to add a named driver and then about the same for their own policy. Only now after about 4 years has the premiums come down to around £2,000 a year.

Yes, we're screwed with our insurance premiums !!!