Learner insurance policy
Discussion
Probably a stupid question, but I want to make sure I get this right given the obvious implications for getting it wrong.
My 17-year-old son is learning to drive and we have just bought him a car. The car is his and is registered in his name. There is no other insurance policy on the car.
What is the best way to get Insurance for him?
I have seen that Aviva for example do a learner drive policy providing the car is in the learners name. I assume this only runs for a set period of time.
Could he also just use a Car comparison site and put his details in as a learner driver with me as a named driver then switch over to a different type of cover once he has passed his test.
Any recommendations on what is the best way to go?
My 17-year-old son is learning to drive and we have just bought him a car. The car is his and is registered in his name. There is no other insurance policy on the car.
What is the best way to get Insurance for him?
I have seen that Aviva for example do a learner drive policy providing the car is in the learners name. I assume this only runs for a set period of time.
Could he also just use a Car comparison site and put his details in as a learner driver with me as a named driver then switch over to a different type of cover once he has passed his test.
Any recommendations on what is the best way to go?
We bought my 17 year old daughter a Fiat 500 in October, she has a learner policy with the car and policy in her name, with myself and my wife as named drivers, £250 per annum, although its only up until she passes. She also earns NCB during this period.
We did it through the Meerkat.
We did it through the Meerkat.
66HFM said:
We bought my 17 year old daughter a Fiat 500 in October, she has a learner policy with the car and policy in her name, with myself and my wife as named drivers, £250 per annum, although its only up until she passes. She also earns NCB during this period.
We did it through the Meerkat.
Thank you - that’s really helpfulWe did it through the Meerkat.
For all 3 of ours we did the same.
Policy taken out in their name as main driver with us as Named Drivers ( good records ) and in each case a mileage limit of 7k.
Then when they all passed the policy was amended accordingly and a hefty additional premium paid as expected.
Admiral.
One good thing was that they allowed a full years NCB once the anniversary came up irrespective of when in that year they passed.
I believe they still operate like this.
Another thought is Marmalade who offer learner policies.
I also emphasised to them the need to get to that 1 year without incident otherwise I’d stop paying for their Insurance.
Policy taken out in their name as main driver with us as Named Drivers ( good records ) and in each case a mileage limit of 7k.
Then when they all passed the policy was amended accordingly and a hefty additional premium paid as expected.
Admiral.
One good thing was that they allowed a full years NCB once the anniversary came up irrespective of when in that year they passed.
I believe they still operate like this.
Another thought is Marmalade who offer learner policies.
I also emphasised to them the need to get to that 1 year without incident otherwise I’d stop paying for their Insurance.
Hi all,
Son is 17 in 2 weeks and Im currently looking for insurance. Who did you go with ?
I bought him a Honda civic which is in my name still. Ive got a quote from Lady Marmalada and I can get him L driver insurance for 30 / 60 / 90 / 180 days. About £300 for 180. Is this the same for you guys ?
I like the idea of building up his NCB so be good to hear move about that.
Simon
Son is 17 in 2 weeks and Im currently looking for insurance. Who did you go with ?
I bought him a Honda civic which is in my name still. Ive got a quote from Lady Marmalada and I can get him L driver insurance for 30 / 60 / 90 / 180 days. About £300 for 180. Is this the same for you guys ?
I like the idea of building up his NCB so be good to hear move about that.
Simon
CAH706 said:
66HFM said:
We bought my 17 year old daughter a Fiat 500 in October, she has a learner policy with the car and policy in her name, with myself and my wife as named drivers, £250 per annum, although its only up until she passes. She also earns NCB during this period.
We did it through the Meerkat.
Thank you - that s really helpfulWe did it through the Meerkat.
She's now passed her theory and currently waiting 24 weeks for her practical test and desperately trying to get a cancellation...
Good luck
That’s brilliant - thanks everyone.
I’ll check out Collingwood.
I did a quote as if he had passed his test before we bought the car (Aygo) to check it was the right option and with Admiral and no black box it was £900 which surprised me. I was electing nearer £2k
Now for the stress of helping him practice when the car comes next week
I’ll check out Collingwood.
I did a quote as if he had passed his test before we bought the car (Aygo) to check it was the right option and with Admiral and no black box it was £900 which surprised me. I was electing nearer £2k
Now for the stress of helping him practice when the car comes next week
When my som just had a provisional he got a car and we insured it through Sterling in his name with me as a named driver, only cost £250ish I think.
However when he passed his test we needed to update them but they refused to cover him with a full license, so the policy was cancelled and we got a partial refund. So plan ahead and have an alternative insurer ready for the day they pass their test.
However when he passed his test we needed to update them but they refused to cover him with a full license, so the policy was cancelled and we got a partial refund. So plan ahead and have an alternative insurer ready for the day they pass their test.
The Gauge said:
When my som just had a provisional he got a car and we insured it through Sterling in his name with me as a named driver, only cost £250ish I think.
However when he passed his test we needed to update them but they refused to cover him with a full license, so the policy was cancelled and we got a partial refund. So plan ahead and have an alternative insurer ready for the day they pass their test.
Thank you However when he passed his test we needed to update them but they refused to cover him with a full license, so the policy was cancelled and we got a partial refund. So plan ahead and have an alternative insurer ready for the day they pass their test.
We went with a years policy from A-Choice while daughter was learning (around £250 in June '24)
Once she passed (Nov 24) we switched to Admiral and got a partial refund from A-Choice.
First year's insurance after passing is horse-choking, but dropped very dramatically after 1 year with no claims.
Once she passed (Nov 24) we switched to Admiral and got a partial refund from A-Choice.
First year's insurance after passing is horse-choking, but dropped very dramatically after 1 year with no claims.
I used Collingwood through Go Compare for my sons, top cash back reward approximately £40 and free £250 excess cover.
On the face of it considerably cheaper (full term annual) but do your homework on their cancellation fees so you know what to expect when they pass their driving test. The policy automatically cancels the date of passing.
Still worked out less than the other companies who quoted pro-rata.
On the face of it considerably cheaper (full term annual) but do your homework on their cancellation fees so you know what to expect when they pass their driving test. The policy automatically cancels the date of passing.
Still worked out less than the other companies who quoted pro-rata.
Muck Dodge said:
I used Collingwood through Go Compare for my sons, top cash back reward approximately £40 and free £250 excess cover.
On the face of it considerably cheaper (full term annual) but do your homework on their cancellation fees so you know what to expect when they pass their driving test. The policy automatically cancels the date of passing.
Still worked out less than the other companies who quoted pro-rata.
Thank youOn the face of it considerably cheaper (full term annual) but do your homework on their cancellation fees so you know what to expect when they pass their driving test. The policy automatically cancels the date of passing.
Still worked out less than the other companies who quoted pro-rata.
Probably a stupid question.
Can the named driver drive the car with the learner in the car?
Can the named driver drive the car on their own?
Initially, when my son is learning I’ll drive us somewhere quieter and there may be instances where I take the car for repair etc on my own.
CAH706 said:
Thank you
Probably a stupid question.
Can the named driver drive the car with the learner in the car?
Can the named driver drive the car on their own?
Initially, when my son is learning I ll drive us somewhere quieter and there may be instances where I take the car for repair etc on my own.
When I bought my daughter’s car I put it on our Admiral policy for me and my wife to drive, then had a policy for the learner separately once she turned 17. Once passed we cancelled the admiral policy and put us down as named drivers on the full new driver policy (which I think reduced the premium a bit).Probably a stupid question.
Can the named driver drive the car with the learner in the car?
Can the named driver drive the car on their own?
Initially, when my son is learning I ll drive us somewhere quieter and there may be instances where I take the car for repair etc on my own.
CAH706 said:
Muck Dodge said:
I used Collingwood through Go Compare for my sons, top cash back reward approximately £40 and free £250 excess cover.
On the face of it considerably cheaper (full term annual) but do your homework on their cancellation fees so you know what to expect when they pass their driving test. The policy automatically cancels the date of passing.
Still worked out less than the other companies who quoted pro-rata.
Thank youOn the face of it considerably cheaper (full term annual) but do your homework on their cancellation fees so you know what to expect when they pass their driving test. The policy automatically cancels the date of passing.
Still worked out less than the other companies who quoted pro-rata.
Probably a stupid question.
Can the named driver drive the car with the learner in the car?
Can the named driver drive the car on their own?
Initially, when my son is learning I ll drive us somewhere quieter and there may be instances where I take the car for repair etc on my own.
My daughter had a learner policy for about two years with Tesco. During that time she would drive us to her job, I would go to my job and then collect my daughter at her workplace at stopping time and then she would drive us home.
I made sure to include commuting in the policy and once she passed her test she upgraded it for business as she had changed roles. So many things to remember and to pass on this knowledge to our youngsters so they can then be legal and protected in their independent future.
Yes I know. Top lurking.
I made sure to include commuting in the policy and once she passed her test she upgraded it for business as she had changed roles. So many things to remember and to pass on this knowledge to our youngsters so they can then be legal and protected in their independent future.
Yes I know. Top lurking.
Edited by Blue BB on Friday 23 January 14:16
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