Best insurance to take out once daughter passes test.

WIAWSNB

Hi.

Currently my car, with me as policyholder, and wife and daughter added. Once daughter passes the test, we'll be giving her the car, and updating/changing insurance.

Policy is with Admiral (and their 'chat/message' feature is not working…). Considering what the best options are moving forward.

Daughter will not only be qualified (increasing premium), but will become the main driver (ditto). I guess my options are to either advise Admiral of these changes and take the added premium until the policy expires in Jan 2027, or else let daughter begin her own policy now, possibly with someone else (and with me and wife added 'cos we will all continue to use the car).

Anyone been through this? Any advice? Thanks.

daveyjp

Once she passes she gets quotes for her own policy with yourself and wife as named drivers. Just ensure she is sat down. The period she has been a named driver on another policy whilst learning may be taken into account by some insurers.

BTW from recent experience avoid Darwin, part of Churchill.

Lorian

Further to that the sooner she is earning no claims discount the better.

Admiral may or may not end up being the most cost effective but (when you are sat down with stiff drink) it may be worth getting quotes from them on their Bell and Diamond branded websites.

One or more of the comparisons sites are your friend too.

Always worth adding yourself and wife as second and third drivers on her policy not just because it helps if you need to move the car. But also it can have a positive impact on the premium.

You might consider breakdown cover for peace of mind.

Try and avoid telemetrics policies if you can

You need to consider if you are setting this up or if you are helping her set it up, she will need to be responsible ultimately

Keep in mind if this car is being used for the test she likley won't be insured to drive it back home on existing policy.

WIAWSNB

Thanks, Davey and Lorian - and for these extra snippets, Lor. Yup, wife only just found out about not being able to drive home afterwards!

I tried to get an idea of the additional cost from Admiral to make the changes, but failed, so I'll wait until she actually passes… (this afa' 😶)

But I did get quotes for her starting her own policy, and - at £566 - I was pleasantly relieved (yes, with us added). So, if Admiral tries a silly increase, then I'll just cancel, get back whatever is owed (policy halfway through - I know they keep a lot for 'admin'), and daughter can start afresh; as you point out, she'll be building her own NCD.

'Telemetrics' - why not, Lorian? The cheapest quote was with a 'box' (Aviva), but I have no concerns as she's an uber-smooth driver, astonishingly 'at one' with her wee Hyundai i10, a car with ridiculously silky gears, clutch and throttle! What's the issue?

Ta.

WIAWSNB

Och, Admiral were actually admirable.

3 changes made - she's now employed (lawdie - I'd neglected to update that 😶), mileage increased by 2.5k, and full rather than provo. £77 for the remaining 6 months of the policy. She'll then start afresh with her own.

Cool.

Lorian

£566 is that fully comp? Even on a 1 litre i10 that sounds to good to be true to me, keep in mind it's a few years since mine were 18.

Why not Telemetrics? I'm risk averse - too many infringements and policy can get cancelled, Hopefully she will still be as smooth without anyone sat by her.

WIAWSNB

https://forums.moneysavingexpert.com/discussion/comment/82065171#Comment_82065171

Ah, but daughter is 24 ☺️

Yes, a decent quote, but Admiral came up trumps with only asking for an additional £77, and no 'tele'.

Blimey, some good news.

GrumpyDil

That £77 is good. My 22 year old son passed hist test last Sunday and adding him to my Matiz policy for 10 1/2 months cost £244 which I was pleasantly surprised about.

forgotmyname

If anyone chooses a bonus builder policy where you pay for 10 months and they give you 12 months no claims be wary that
they will likely put that on the no claims letter so make sure you inform the new insurer when getting a quote.