Car Insurance for a learner
Discussion
Daughter turning 17 next week and looking at insurance for her on wife's 21 plate Hyundai i10 (1.2 engine)
We also have to renew the actual insurance in the car for us parents so looking around.
Anyone have any gem's of wizdom or good insurers/brokers to use.
Current Directline are pricy, espcailly when adding daughter, but seeing specialist insurers offering cover for her only, while learning, for ony £240 for a year.
What thoughts or comments?
We also have to renew the actual insurance in the car for us parents so looking around.
Anyone have any gem's of wizdom or good insurers/brokers to use.
Current Directline are pricy, espcailly when adding daughter, but seeing specialist insurers offering cover for her only, while learning, for ony £240 for a year.
What thoughts or comments?
Obviously when learning the price is relatively low although that quote seems very cheap ?!
I presume your wife would then insure the car with someone else for just herself ?
It's when the test is passed the quotes become somewhat expensive.
You also need to avoid any chance of " fronting " ie main driver not who you say it is.
Ignoring finances, with all my 3 children we bought them a car each to insure in their name and added us as named drivers which we stayed on the policy post their test passing.
This also allowed them time to get to that all important 1st years NCB.
Cost differential between a learner and a licenced driver will be huge but that's unavoidable.
We found Admiral on all 3 the best value but needed to shop it and negotiate each year.
I presume your wife would then insure the car with someone else for just herself ?
It's when the test is passed the quotes become somewhat expensive.
You also need to avoid any chance of " fronting " ie main driver not who you say it is.
Ignoring finances, with all my 3 children we bought them a car each to insure in their name and added us as named drivers which we stayed on the policy post their test passing.
This also allowed them time to get to that all important 1st years NCB.
Cost differential between a learner and a licenced driver will be huge but that's unavoidable.
We found Admiral on all 3 the best value but needed to shop it and negotiate each year.
Learner policies are only valid until the driving test is passed so if she passes quickly, pro rata, it still turns out expensive.
I paid £428 on a learner policy for my son's MR2 and he passed after 6 months. I got £31 back.
£250 was about the norm for small cars on comparator sites (adding parents as additional drivers to pull down the price).
Needless to say they couldn't offer any better than £6800 for a full policy (We eventually paid about £2500 for the year but for 8000 miles -but that may be because his car is a re-reg from Jersey - grrrr - it showed far less for that model MR2 until we put the reg in)
Add a year to her age on a comparator and you should roughly see what the full policy will cost when she passes.
I paid £428 on a learner policy for my son's MR2 and he passed after 6 months. I got £31 back.
£250 was about the norm for small cars on comparator sites (adding parents as additional drivers to pull down the price).
Needless to say they couldn't offer any better than £6800 for a full policy (We eventually paid about £2500 for the year but for 8000 miles -but that may be because his car is a re-reg from Jersey - grrrr - it showed far less for that model MR2 until we put the reg in)
Add a year to her age on a comparator and you should roughly see what the full policy will cost when she passes.
Edited by LuS1fer on Tuesday 8th August 15:41
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Edited by JerryCSpencer on Thursday 24th August 07:50
Stirling insurance have been good for my son, VW Up registered in his name. It was £260 for him and my wife and I on the insurance while he was provisional. Awful cancellation fees when he passed, but if you took their policy out at the point they refunded the fees. Whichever learner policy you take you are stuffed when you have to cancel anyway.
So I paid a further £1550 for a year's black box policy as he passed after 3 months. The black box only monitors speed, fingers crossed nothing happens for them to cancel.
To insure the car in my name with him on the policy even with my 9 years ncb was £1k. We could have gone this way as I don't have a car in my name and I actually use it every day, but if he has a prang it won't affect my history.
So I paid a further £1550 for a year's black box policy as he passed after 3 months. The black box only monitors speed, fingers crossed nothing happens for them to cancel.
To insure the car in my name with him on the policy even with my 9 years ncb was £1k. We could have gone this way as I don't have a car in my name and I actually use it every day, but if he has a prang it won't affect my history.
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