Learner driver

janie

I am insured with Tesco - not the best but I'm stuck with it til Oct. My 18 yr old daughter wants to learn to drive. What is the cheapest way to get her car insurance? Can I insure her on my car with another ins company? Five yrs ago it only cost me another £30 a month to add my eldest daughter as a learner. Tesco's now want another £75 a month. Would it be better if she bought a cheap, small car - say a micra or AX & insured herself on that? HOW ON EARTH CAN SHE LEARN TO DRIVE - HELP!!

johnmc

Tesco's now want another £75 a month. Would it be better if she bought a cheap, small car - say a micra or AX & insured herself on that?

I would start by reading Martin's advise on insurance. You are not "stuck" with your current supplier, you can cancel the policy.

Go through the screen scrapers and get some prices with your daughter as a named driver.

If you can afford a car for her then take a look at http://www.parkers.co.uk/insurance/groups/ before buying. Group 5 and onwards suddenly shoot up.

For her own car consider www.quinn-direct.com who love young female drivers.

NOTE; learners are cheaper to insure than newly qualified.
Girls are MUCH cheaper than boys.
Adding MUM as a named driver will reduce the premium more than adding Dad, and that'll be better than doing your daughter alone (all other things being equal).

janie

I pay monthly so can't cancel policy - can I? have tried to find info on this but my head hurts now!!!!

catnap53

I can sympathise, I have a 17 year old son who wants to drive. It was going to cost an extra 3,000 to put him on my husband's policy for the remainder of the term, 8 months.

Tesco can do his own policy for nearly 3,500 a year if we get him an old banger. My head hurts too as I have been trying to get this sorted for about a month. I am fed up putting in for quotes, varying the car we could have and whether he is to be a named driver, he will only use at weekends after he has passed his test as we use cars for work in the week.

shoney

I'm 18 and passed last September and I can say that the £75 per month would be better spent on extra driving lessons with a proper instructor. Although you may not notice, you could accidentally be teaching your daughter bad habits. In the long run, after failing a test because of this, it would cost your daughter a lot more money.

catnap53 wrote: »

I can sympathise, I have a 17 year old son who wants to drive. It was going to cost an extra 3,000 to put him on my husband's policy for the remainder of the term, 8 months.

Tesco can do his own policy for nearly 3,500 a year if we get him an old banger. My head hurts too as I have been trying to get this sorted for about a month. I am fed up putting in for quotes, varying the car we could have and whether he is to be a named driver, he will only use at weekends after he has passed his test as we use cars for work in the week.

That's extortionate. If you have a good few years no claims then direct line will be less than 1,300 with your son as a named driver as long as the car isn't something ridiculous (Subaru etc).

Primrose

This won't help until your daughter has passed her driving test but you and she can then investigate her taking the PASS PLUS course which is run by the Driving Standards Agency to increase the skill and competence of newly qualified drivers. There is no test to take and it's a matter of reaching a certain level of competence. Once you have achieved this, many insurance companies will recognise this and reduce their premiums. Checkout
http://www.passplus.org.uk/about_pp.asp for more information.

MoneySavingStudent_2

Hey there!
I wanted to learn to drive too but to put me on my mums insurance would have costed an extra £500 (for the year). But due to having my fiance around and him needing to drive to work etc to add him on (as a new driver) it would have costed another £700?!?!

Its rediculous! My mums insurance went from £200 with her on it, to £700 with me and her on it, to £1400 with all 3 of us on!
It was actually cheaper for me and my fiance to buy a small run about and insure it then be put on the insurance of my mums 1.4 rover 25 06 reg.

We just last week got a lovely Vauxhall Corsa 1.0 club Ive been out in it everyday with my mum (who we also insuranced on it) and proberbly saved about £60 worth of driving lessons Plus its very good practise inbetween them! Its brilliant to get your own little run about because its more likely to be older and your not worried about bumping your mums newer car! :rotfl:

johnmc

I have two daughters.

With the first at 18 YOA I waited until she passed her test and then bought her a Fiat Punto (group 4) and insured with Quinn for about £900.

With the second at 17 YOA, just 12 months ago, I bought a Fiat Bravo (group 5) & again insured with Quinn @ about £800.

In both cases naming myself as a driver on the policy reduced the risk and thus the price.

If you can't afford to pay in one go then take out a 0% for purchases credit card. Work out the monthly premiums and put that into a high rate account each month. Make sure you pay it off before the end of the free period, though.