17 year old Male Learner Driver Insurance – Way Forward
Discussion
My oldest son is 17 in August and his Mum has asked me to look into best way forward in terms of insurance options (were divorced). Initially as a learner but then so he can actually use the thing.
Just looking for anyone’s recent experience to save me a load of hassle.
He primarily lives with his Mum and she’s been given a P plate (96) Daewoo Lanos 1.4 for him. It really is an ugly pig of a car but as first snotter its fine.
Options I see are;
1. Insure in his name (learner) with mum as named driver. She doesn’t have a load of no claims
2. Insure in her name with him as named learner driver.
3. Insure him on my Focus 1.6TDI as a learner then investigate what to do with Lanos later.
4. By him a cheapo car to insure (1.0 Citroen AX/ Peugeot 106/205, etc) for 500 quid and get cheaper insurance?
Is it easy enough to insure in his name as learner then transfer post passing test?
Any advice appreciated. Thanks in advance.
Mark
Just looking for anyone’s recent experience to save me a load of hassle.
He primarily lives with his Mum and she’s been given a P plate (96) Daewoo Lanos 1.4 for him. It really is an ugly pig of a car but as first snotter its fine.
Options I see are;
1. Insure in his name (learner) with mum as named driver. She doesn’t have a load of no claims
2. Insure in her name with him as named learner driver.
3. Insure him on my Focus 1.6TDI as a learner then investigate what to do with Lanos later.
4. By him a cheapo car to insure (1.0 Citroen AX/ Peugeot 106/205, etc) for 500 quid and get cheaper insurance?
Is it easy enough to insure in his name as learner then transfer post passing test?
Any advice appreciated. Thanks in advance.
Mark
Option 2 can render the insurance invalid if the insurance company can find a way of proving he's the main driver and not her. It's called "fronting" and is a very serious problem for younger drivers.
Option 1 is best, no reason not to put you on the insurance as a named driver too, especially if you have a bit of no claims.
I see the 1.4 Lanos is group 9 (!!!!) insurance, so option 4 might be worth a punt if you can find a cheap car in a lower insurance group (check parkers.co.uk for the number). Off the top of my head, Saxos are cheap (group 7 for the 1.0 ones... slow but that's a good thing for a first time driver).
It's very easy to transfer insurance about, just bear in mind there's usually an associated admin cost.
To be honest, the options are bleak and will require investment. Legitimate insurance will cost a lot however you play it. However, when he's 22 and has 4 years no claims, he will be much much happier than if he had done it any other way. No claims is still the best way to make your insurance cheaper.
Hope that helps
Option 1 is best, no reason not to put you on the insurance as a named driver too, especially if you have a bit of no claims.
I see the 1.4 Lanos is group 9 (!!!!) insurance, so option 4 might be worth a punt if you can find a cheap car in a lower insurance group (check parkers.co.uk for the number). Off the top of my head, Saxos are cheap (group 7 for the 1.0 ones... slow but that's a good thing for a first time driver).
It's very easy to transfer insurance about, just bear in mind there's usually an associated admin cost.
To be honest, the options are bleak and will require investment. Legitimate insurance will cost a lot however you play it. However, when he's 22 and has 4 years no claims, he will be much much happier than if he had done it any other way. No claims is still the best way to make your insurance cheaper.
Hope that helps
Edited by Graebob on Wednesday 29th June 06:25
Graebob Hi
Thanks for reply.
I wasn't proposing fronting, well aware thats a no no and don't want to go there. His mum has own car and wouldnt really use and would have to say he is main user just thought it might be an option.
I agree re starting in his name, I did it at 17 and its good to build the no claims.
I'll geta few quotes and see what happens.
Thanks for reply.
I wasn't proposing fronting, well aware thats a no no and don't want to go there. His mum has own car and wouldnt really use and would have to say he is main user just thought it might be an option.
I agree re starting in his name, I did it at 17 and its good to build the no claims.
I'll geta few quotes and see what happens.
Word of warning insurance is the biggest pain in the arse at the moment, I'm 17 and when I was insuraed as a learner it wasnt too bad the isurance but be prepared for the renewel cost when your son passes, and dont bother putting him as a main driver on a policy or have it in his name, I had a quote of £9000 on a '99' nissan micra 998cc with 7000 miles on thrd party fire and theft.
Look in to what cars will be cheapest for him to drive after he passes his test, as once you do that prices shoot up and it may well be that hie Daewoo will cost a fortune.
Look into left field cars - Mondeos, Vectras, Accords etc and if you find something cheaper, flog the Daewoo and get one of them. Insurance groups mean nothing for young drivers, it is all based on risk. For example I would be £2500 on my Mum's standard 2004 1.2 Corsa Life, but I am £700 on my 2002 1.8 Mondeo.
Make sure the insurance is in his name as it enables him to build up no claims earlier and will help a huge amount when he is 18. I made the mistake of going on my mum's insurance for a year when I was 17, and now I only have one years NCD rather than 2.
Also, put both you and his mother on the policy as named drivers as that will help him out a lot. Your no claims won't matter as you can't use them as a named driver.
Look into insurers that are not on comparison websites, Admiral, Elephant, Bell, Aviva, Tesco, Direct Line etc etc.
Give me a shout if you have any more questions, I went through all of this not very long ago. Good luck!
Look into left field cars - Mondeos, Vectras, Accords etc and if you find something cheaper, flog the Daewoo and get one of them. Insurance groups mean nothing for young drivers, it is all based on risk. For example I would be £2500 on my Mum's standard 2004 1.2 Corsa Life, but I am £700 on my 2002 1.8 Mondeo.
Make sure the insurance is in his name as it enables him to build up no claims earlier and will help a huge amount when he is 18. I made the mistake of going on my mum's insurance for a year when I was 17, and now I only have one years NCD rather than 2.
Also, put both you and his mother on the policy as named drivers as that will help him out a lot. Your no claims won't matter as you can't use them as a named driver.
Look into insurers that are not on comparison websites, Admiral, Elephant, Bell, Aviva, Tesco, Direct Line etc etc.
Give me a shout if you have any more questions, I went through all of this not very long ago. Good luck!
Edited by SD1992 on Wednesday 29th June 08:36
Hi,
1st post so go easy...
When I was younger I found that the insurance group wasn't crucial factor in the price of insurance. For example at 19, I was insuring a group 14 (iirc) Clio 16v for way less than the lesser grouped Saxo VTR. I was told by a mate of a mate (who worked in insurance) that this was down to some sort of Behavioural profiling. ie, they look at how many people of the proposers age group are crashing the car that is on the proposal.
It seems to make sense because it was shortly after the time when Citroen had to put a lower age limit on the free insurance they were offering because so many 17/18/19 year old lads were buying brand new VTR's for the free insurance and writing them off.
You may find that despite the lanos being a higher insurance group, it's actually cheaper to insure because it's unpopular with that age group and so not many of them are being crashed by the younger kids.
Only way of knowing is to ring around and get quotes for all the options. It takes time and patience repeating all the details over and over again but it can save a fortune!
Andy
1st post so go easy...
When I was younger I found that the insurance group wasn't crucial factor in the price of insurance. For example at 19, I was insuring a group 14 (iirc) Clio 16v for way less than the lesser grouped Saxo VTR. I was told by a mate of a mate (who worked in insurance) that this was down to some sort of Behavioural profiling. ie, they look at how many people of the proposers age group are crashing the car that is on the proposal.
It seems to make sense because it was shortly after the time when Citroen had to put a lower age limit on the free insurance they were offering because so many 17/18/19 year old lads were buying brand new VTR's for the free insurance and writing them off.
You may find that despite the lanos being a higher insurance group, it's actually cheaper to insure because it's unpopular with that age group and so not many of them are being crashed by the younger kids.
Only way of knowing is to ring around and get quotes for all the options. It takes time and patience repeating all the details over and over again but it can save a fortune!
Andy
Cheapest i got my insurance was £1100 on a £300 mondeo 2.0 at 19.
Add yourself to his policy as a named driver, but have the policy in his name. He benefits from the discount (well, i do) but he's still the main driver and earns NCB. If the insurers ask, say its so you can pick him up from the pub or something
Add yourself to his policy as a named driver, but have the policy in his name. He benefits from the discount (well, i do) but he's still the main driver and earns NCB. If the insurers ask, say its so you can pick him up from the pub or something
I've said this before but I am actually hoping that cars are banned by the time my lot get to 17.
Why was this never a problem when I was 17, OK just over 30 years ago, but insurance just did not seem much of a problem.
Currently I have problems getting insurance on bikes that I rode in my 20s and 30s, that does not take the complete p155 in terms of cost.
Maybe back then most of the cars that one could afford would barely pull the skin off a rice pudding whilst even the smallest engined car these days can easily top a ton.
First car was a Renault 6 then a Cortina Mk3 1600 :laugh;
Good luck OP
Why was this never a problem when I was 17, OK just over 30 years ago, but insurance just did not seem much of a problem.
Currently I have problems getting insurance on bikes that I rode in my 20s and 30s, that does not take the complete p155 in terms of cost.
Maybe back then most of the cars that one could afford would barely pull the skin off a rice pudding whilst even the smallest engined car these days can easily top a ton.
First car was a Renault 6 then a Cortina Mk3 1600 :laugh;
Good luck OP
Try Collingwood Insurance. www.collingwoodlearners.co.uk
Specific policy for young learner drivers. Seperate policy - can be a policy in Mum or Dads name as well.
HTH
Specific policy for young learner drivers. Seperate policy - can be a policy in Mum or Dads name as well.
HTH
IN 10 years when my kids are 17 cars will drive themselves, and you will rent an electric vehicle from the state. You really think H&S madness will let people loose at the wheel of a 1t vehicle, when computers can do it all for you.
I am off to a jungle in Borneo for some light relief.
I am off to a jungle in Borneo for some light relief.
Superstu said:
Try Collingwood Insurance. www.collingwoodlearners.co.uk
Specific policy for young learner drivers. Seperate policy - can be a policy in Mum or Dads name as well.
HTH
Collingwood only insure you whilst you are leaerning to drive, and not after you have passed your test.Specific policy for young learner drivers. Seperate policy - can be a policy in Mum or Dads name as well.
HTH
But here's a referal code to get a few more quid off if you do use them 308192.
lotuselan7 said:
Croyde we sound of the smae generation.
My first was a BL Alleggro 1.3 in 1982, i could run faster then a Mk4 1.6 cortina!, but again insurance wasn't a problem. The good old bad days!!!!!
We must be My first was a BL Alleggro 1.3 in 1982, i could run faster then a Mk4 1.6 cortina!, but again insurance wasn't a problem. The good old bad days!!!!!
I had full hire and reward comp insurance on my dispatch riding bike back in the 80s. A Kawasaki GPz900R and I don't remember being worried about the premiums.
The day after I passed my test in 1982, I got a job driving all sorts of delivery vans in central London. I doubt that is possible today.
Ay em ess said:
Hi,
1st post so go easy...
When I was younger I found that the insurance group wasn't crucial factor in the price of insurance. For example at 19, I was insuring a group 14 (iirc) Clio 16v for way less than the lesser grouped Saxo VTR. I was told by a mate of a mate (who worked in insurance) that this was down to some sort of Behavioural profiling. ie, they look at how many people of the proposers age group are crashing the car that is on the proposal.
It seems to make sense because it was shortly after the time when Citroen had to put a lower age limit on the free insurance they were offering because so many 17/18/19 year old lads were buying brand new VTR's for the free insurance and writing them off.
You may find that despite the lanos being a higher insurance group, it's actually cheaper to insure because it's unpopular with that age group and so not many of them are being crashed by the younger kids.
Only way of knowing is to ring around and get quotes for all the options. It takes time and patience repeating all the details over and over again but it can save a fortune!
Andy
I believe you Sir, are spot on.1st post so go easy...
When I was younger I found that the insurance group wasn't crucial factor in the price of insurance. For example at 19, I was insuring a group 14 (iirc) Clio 16v for way less than the lesser grouped Saxo VTR. I was told by a mate of a mate (who worked in insurance) that this was down to some sort of Behavioural profiling. ie, they look at how many people of the proposers age group are crashing the car that is on the proposal.
It seems to make sense because it was shortly after the time when Citroen had to put a lower age limit on the free insurance they were offering because so many 17/18/19 year old lads were buying brand new VTR's for the free insurance and writing them off.
You may find that despite the lanos being a higher insurance group, it's actually cheaper to insure because it's unpopular with that age group and so not many of them are being crashed by the younger kids.
Only way of knowing is to ring around and get quotes for all the options. It takes time and patience repeating all the details over and over again but it can save a fortune!
Andy
Superstu said:
Try Collingwood Insurance. www.collingwoodlearners.co.uk
Specific policy for young learner drivers. Seperate policy - can be a policy in Mum or Dads name as well.
HTH
+1 used them a few years ago, by far the cheapest when your learning on a provisional Specific policy for young learner drivers. Seperate policy - can be a policy in Mum or Dads name as well.
HTH
Well I was paying £600 tpft for my 1.3 fiesta back in 1987, so what would that equate to in modern money? £2000? £3000?
The differecne is, cars were relatively pricey then, so as a % of the car cost, the insurance was not so high. But now cars are cheaper, so insurance can be three times the car cost if it is a snotter.
Agree on looking at the risk, you may find spaxos and clitos and deal more to insure than something less obvious, like a mazda 3 or whatever.
The differecne is, cars were relatively pricey then, so as a % of the car cost, the insurance was not so high. But now cars are cheaper, so insurance can be three times the car cost if it is a snotter.
Agree on looking at the risk, you may find spaxos and clitos and deal more to insure than something less obvious, like a mazda 3 or whatever.
Friends son is 18. Past his test 6 months ago. Waited until 18 to buy his car. it is a 52 plate 1ltr Seat Arosa. Think its cost about £1500 to buy and is £3k to insure it, fully comp, as it made no difference third party.
My daughter is 17 1/2 .Passed her test recently. Has a T reg Polo 1.4 . Was £1000 before she passed her test and afterwards went up to £1400 third pf&t.
This is before all that sexism insuarnce drivel we had recently, so to be honest, I see the lads staying the same and my daughters going up at renewal time. Luckily I have 6 months to save for that. She pays half through working, as is a student and pays her fuel , I keep it on the road..........
Whichever way, i believe 17 to 18 yr olds are stuffed. I understand the statistics and we see then racing like nobs all the time, so in some ways it is almost predictable a lot will fall off the road.
My daughter is 17 1/2 .Passed her test recently. Has a T reg Polo 1.4 . Was £1000 before she passed her test and afterwards went up to £1400 third pf&t.
This is before all that sexism insuarnce drivel we had recently, so to be honest, I see the lads staying the same and my daughters going up at renewal time. Luckily I have 6 months to save for that. She pays half through working, as is a student and pays her fuel , I keep it on the road..........
Whichever way, i believe 17 to 18 yr olds are stuffed. I understand the statistics and we see then racing like nobs all the time, so in some ways it is almost predictable a lot will fall off the road.
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