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Van Insurance For Young Driver

CAN ANYONE GIVE ME ANY ADVICE. MY SON IS 18 YEARS AND I WANT TO INSURE HIM ON A 1.9 DIESEL VAN.

MY HUSBAND AND I WILL ALSO BE DRIVING IT. I HAVE MORE NO CLAIM BONUS:confused:

(I)SHOULD I INSURE THE VAN WITH MY HUSBAND AND SON AS NAMED DRIVERS
(2) HUSBAND INSURE THE VAN WITH MINE AND SONS NAME AS NAMED DRIVERS
(3) SON INSURE THE VAN AND ME AND HUSBAND AS NAMED DRIVERS

WOULD I HAVE TO INSURE IT AS COMMERCIAL OR PRIVATE. HAD PRIVATE QUOTE APPROX £400 FOR ME AND WHEN SON WENT ON IT £4000. MORE THAN THE VAN

ARE THERE ANY INSURANCE COMPANIES OUT THERE WHICH ARE GOOD FOR YOUNG DRIVERS OF VANS. HAD LICENSE FOR 12 MONTHS AND HAS PASSED HIS PASS PLUS.

HOPEFULLY SOMEONE OUT THERE CAN ADVISE ME........:j
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