Insurance confusion with daughter included?

[stabilio]

I'm scratching my head a bit with insuance and wondered if anyone can help about the best way to get insurance for my (not quite 17yr old daughter) and who to put the cars name in on the V5.

1. Shes 17 in a couple of weeks and has a provisional drivers licence already.
2. Shes done well at school so want to surprise her on her birhday with a car we're picking up at the weekend.
3. We don't yet have insurance for it yet but need to get something in place before the weekend so we can drive it home.
4. Ideally would like to have daughters name as the owner/keeper but as a named driver for insurance.
5. Current insurance doesn't allow us to drive any other un-insured car.
6. We need to keep the car away from home (to hide it from her) until her birthday so will need driving not just on collection day.

Whats the best way of doing things with the insurance to get myself, my wife and daugher on the insurance?
Ideally I'd like the car in my daughters name on the V5 but this doesn't seem possible yet until shes 17 which is making getting insurance almost impossible.
If I put my wife as the owner/keeper now, is changing the V5 owner later down the line easy to do? I guess it just means another owner will be added to the V5?

My thoughts are putting my wife as the owner/keeper with her the main driver and adding me as a named driver which will allow us to get the car home.
Then when daughter is 17, adding her on as a named driver but I guess that will involve 'admin fees' so will cost a bit extra.

Or the other option is getting temp insurance for a couple of weeks for my wife to drive the car - then get a new policy with all x3 of us on the insurance whe shes 17.


Any other ideas or suggestions?

The car is a ten yr old Fiat 500 btw and having done insurance quotes already (but saying my daughter is 17 to get quotes), the figures aren't to bad at under £600 for all x3 of us.

[Jordie Barretts sock]

Put the car in your daughter's name.

Insure it as her as the driver (provisional licence) and you and your wife as named drivers.

Not complicated at all.

Expect the premium to rocket when provisional becomes full on the daughter's licence.

Edit:

Buy hourly insurance on line to move it to the hiding place. And again to bring it home for birthday. The policy I mention above, becomes active on her 17th birthday.

[DanL]

Jordie Barretts sock said:

Put the car in your daughter's name.

Insure it as her as the driver (provisional licence) and you and your wife as named drivers.

Not complicated at all.

Expect the premium to rocket when provisional becomes full on the daughter's licence.

Edit:

Buy hourly insurance on line to move it to the hiding place. And again to bring it home for birthday. The policy I mention above, becomes active on her 17th birthday.

The car will surely need to be insured even when not being driven (and as I recall it’s a requirement if parked on a street), so not sure hourly cover works…

[JQ]

Jordie Barretts sock said:

Expect the premium to rocket when provisional becomes full on the daughter's licence.

This.

Surely when doing quotes you do it on the basis of her recently passed, as ultimately that will be the end product. I would imagine the cheapest quote for a provisional driver will not be the cheapest quote for a newly qualified driver - the old bait and switch trick.

[Jordie Barretts sock]

Temp cover can still work. Just insure it for a week or whatever on temp cover.

[stabilio]

Jordie Barretts sock said:

Put the car in your daughter's name.

Insure it as her as the driver (provisional licence) and you and your wife as named drivers.

Not complicated at all.

Expect the premium to rocket when provisional becomes full on the daughter's licence.

Edit:

Buy hourly insurance on line to move it to the hiding place. And again to bring it home for birthday. The policy I mention above, becomes active on her 17th birthday.

I never knew hourly insurance even existed so thanks.

[stabilio]

DanL said:

The car will surely need to be insured even when not being driven (and as I recall it’s a requirement if parked on a street), so not sure hourly cover works…

It'll be parked up on parents drive and will obviously be taxed so hopefully that works.

[stabilio]

JQ said:

This.

Surely when doing quotes you do it on the basis of her recently passed, as ultimately that will be the end product. I would imagine the cheapest quote for a provisional driver will not be the cheapest quote for a newly qualified driver - the old bait and switch trick.

For now, we're taking her out in it for some practise and learning with L plates. I fully expect insurance to go through the roof once she gets a full licence.

[DanL]

stabilio said:

DanL said:

The car will surely need to be insured even when not being driven (and as I recall it’s a requirement if parked on a street), so not sure hourly cover works…

It'll be parked up on parents drive and will obviously be taxed so hopefully that works.

Think you’d be OK then, although you’re a bit stuffed if it gets stolen! I’d be inclined to take a week’s insurance rather than per hour, as suggested above, but it depends on cost and your appetite for risk I imagine.

[stabilio]

DanL said:

Think you’d be OK then, although you’re a bit stuffed if it gets stolen! I’d be inclined to take a week’s insurance rather than per hour, as suggested above, but it depends on cost and your appetite for risk I imagine.

Its under £20 for 3 hours or under £100 for 14 days which i what i need until she 17 and can get proper insurance.
Its decent area, small little street and I'll be taking the plates off while I give it a good detailing so not sure whether to chance it or not.

[CheesecakeRunner]

If it’s going to be wholly your daughter’s car, then irrespective of who’s on the V5, or who is the true owner, you need to make sure your daughter is the one declared to the insurance company as the main driver. Then there can be no accusations of “fronting”.

[66HFM]

A number of insurers specialise in temporary car insurance - Tempcover, Veygo and you can even get it through the Meerkat etc.
Get temp cover for a week or so and at least that way its covered whilst at your parents house, presumably the road tax is circa £35 for the year...

Good luck and hope she loves it!

[98elise]

stabilio said:

Jordie Barretts sock said:

Put the car in your daughter's name.

Insure it as her as the driver (provisional licence) and you and your wife as named drivers.

Not complicated at all.

Expect the premium to rocket when provisional becomes full on the daughter's licence.

Edit:

Buy hourly insurance on line to move it to the hiding place. And again to bring it home for birthday. The policy I mention above, becomes active on her 17th birthday.

I never knew hourly insurance even existed so thanks.

We recently picked up my sons new car for him. We got day insurance for £25.

[alscar]

We did this for my eldest.
Car in his name , he was main driver , we were named drivers.
Went and picked up car -he drove home.
Policy price obviously up substantially when test passed.
Admiral ok as insurer.

[SWoll]

CheesecakeRunner said:

If it’s going to be wholly your daughter’s car, then irrespective of who’s on the V5, or who is the true owner, you need to make sure your daughter is the one declared to the insurance company as the main driver. Then there can be no accusations of “fronting”.

If she's the registered keeper and primary user OP then insurance needs to be in her name with you and your wife as named drivers.

Makes little difference to the quote in my experience anyway, and in some cases actually improves it. She will also hopefully start building up her own NCD.

[stabilio]

Cheers all.
Got 3 hour insurance now for £18 and car taxed for £35.
Car will be in her name and she will be the main driver on insurance with myself and wife as named drivers which goes live at start of June.

Now I'm looking forward to spending a couple of days detailing it and my boot is loaded up with various cleaning products, machine polisher, buckets, towels, brushes etc so it will (hopefully) look top notch when she sees it

[KTF]

Have you looked at Collingwood learner driver insurance?

https://www.collingwood.co.uk/learner-driver-insur...

Insure in her name with a provisional license with parents as named drivers. When she passes it can be upgraded to a 'normal' policy.

[Miocene]

I know you've sorted it now, but you can always take out a regular policy and you can cancel, without any cancellation charges, within 14days of the policy going live. id expect this works out cheaper in average.

[stabilio]

KTF said:

Have you looked at Collingwood learner driver insurance?

https://www.collingwood.co.uk/learner-driver-insur...

Insure in her name with a provisional license with parents as named drivers. When she passes it can be upgraded to a 'normal' policy.

Not of hard of before but will take a look.

[ds666]

Why can’t you put the v5 in daughter’s name until she is 17 .
I’m pretty sure I did that for both daughters ( Fiat 500’s also !)
Then insure with her as owner and main user and you as second ?