Learner Driver Insurance Advice
Discussion
Insure yourself then add her as a driver on her 17th birthday is the easiest way I would think? It’s what I did.
And if you are looking at insurance quotes now to guide what you should buy, just fudge her birthday in the online quote.
I think it’s is cheap to add a a learner driver as they are in the car with you. Gets more expensive when they pass!
And if you are looking at insurance quotes now to guide what you should buy, just fudge her birthday in the online quote.
I think it’s is cheap to add a a learner driver as they are in the car with you. Gets more expensive when they pass!
I bought a small car for my eldest to learn in. Went with Sterling for learner insurance as they were cheap and actually quite helpful.
I took out a policy in my daughter’s name as she would be the main driver, added myself and wife as named drivers, was a few hundred pounds per year. Started the policy just before her 17th birthday, Sterling were okay with this.
Once she passed her test the learner insurance became invalid and a new policy had to be started, that was expensive.
I took out a policy in my daughter’s name as she would be the main driver, added myself and wife as named drivers, was a few hundred pounds per year. Started the policy just before her 17th birthday, Sterling were okay with this.
Once she passed her test the learner insurance became invalid and a new policy had to be started, that was expensive.
RosscoPCole said:
Our daughter is going to turn 17 in a month. We are going to buy a smaller car that she can learn in and then use. How do we go about finding insurance quotes as she is not old enough to drive?
Having never done this before I am confused.
Thanks in advance for the advice.
On the various meerkat sites just put her age in as 17 and provisional licence.Having never done this before I am confused.
Thanks in advance for the advice.
Add yourself and possibly your wife as named drivers and limit the mileage.
You may be able to avoid black box policies.
Obviously once she passes price will increase significantly but at least starting off with a policy in her name she can earn that vital first years NCB more quickly.
Admiral were always one of the cheapest for my children when we did this.
RosscoPCole said:
Thank you for the advice. Admiral seem to do Veygo Insurance for learner drivers. Is this an additional policy to the existing one thst is already on the car?
Sorry if I'm being thick, but it isn't very clear.
They didn't have that as an option when mine insured with them but a quick look at their website implies this is indeed for learner drivers ( perhaps also in their own car ) with the difference being that when she passes she would need to cancel the policy as such and take out a new driver policy.Sorry if I'm being thick, but it isn't very clear.
What impact this then has on that 1 year NCB I mentioned, I suspect it might well.
My children all took out a new driver policy and then when they passed their tests called them to notify and pay the additional premiums -well I did anyway.
I wound say the best options in general are:
1) Their own full year policy (if their own car) to build NCB as quickly as possible. Although it’s worth comparing prices with provisional and full potentially to find a company competitive for both to minimise pain on passing as much as possible. Not that this guarantees anything and the difference on passing will be eye watering regardless.
2) Standalone learner policy, various are available, if using your car. Means a claim won’t affect your policy moving forwards as it would if they were named on the policy. Since you are buying a car probably not worth doing this as they won’t earn any NCB.
1) Their own full year policy (if their own car) to build NCB as quickly as possible. Although it’s worth comparing prices with provisional and full potentially to find a company competitive for both to minimise pain on passing as much as possible. Not that this guarantees anything and the difference on passing will be eye watering regardless.
2) Standalone learner policy, various are available, if using your car. Means a claim won’t affect your policy moving forwards as it would if they were named on the policy. Since you are buying a car probably not worth doing this as they won’t earn any NCB.
I have a daughter that turned 17 last Saturday, and the wife works in the auto trade and as spent a lot of time investigating this.
Quite surprisingly, Admiral multi car policy actually worked out the best (we're already got one for the other cars) - Admiral are quite good for young drivers.
Cheapest cars to insure as of about a week ago. Vauxhall Adam and Fiat 500.
After a bit more investigation (rear space in 500 was limited and the back of the seat cloth - so knees were a problem) - the daughter's bought a 2013 Vauxhall Adam Slam (which is a 1.4).
She's learning in it at the moment, under her own policy - which was roughly £700.
Once she has passed - the estimate from them is it will cost about £1700 (The 1.4 Adam slam is about £50 more than than jam/glam which are 1.2's)
That's a policy in her name, with me and the missus insured on it - and covered for business use (I'm letting her drive to school, and then am taking it to work and then collecting her).
We did look at learner firms like collingswood on a recommendation - but the issue there is as soon as you pass, the policy expires and you have not built up any no claims. On this - you pay the difference for the time remaining, and then (hopefully) get a few months before you have to fork out for an entire year.
Quite surprisingly, Admiral multi car policy actually worked out the best (we're already got one for the other cars) - Admiral are quite good for young drivers.
Cheapest cars to insure as of about a week ago. Vauxhall Adam and Fiat 500.
After a bit more investigation (rear space in 500 was limited and the back of the seat cloth - so knees were a problem) - the daughter's bought a 2013 Vauxhall Adam Slam (which is a 1.4).
She's learning in it at the moment, under her own policy - which was roughly £700.
Once she has passed - the estimate from them is it will cost about £1700 (The 1.4 Adam slam is about £50 more than than jam/glam which are 1.2's)
That's a policy in her name, with me and the missus insured on it - and covered for business use (I'm letting her drive to school, and then am taking it to work and then collecting her).
We did look at learner firms like collingswood on a recommendation - but the issue there is as soon as you pass, the policy expires and you have not built up any no claims. On this - you pay the difference for the time remaining, and then (hopefully) get a few months before you have to fork out for an entire year.
JamesW said:
I have a daughter that turned 17 last Saturday, and the wife works in the auto trade and as spent a lot of time investigating this.
Quite surprisingly, Admiral multi car policy actually worked out the best (we're already got one for the other cars) - Admiral are quite good for young drivers.
Cheapest cars to insure as of about a week ago. Vauxhall Adam and Fiat 500.
After a bit more investigation (rear space in 500 was limited and the back of the seat cloth - so knees were a problem) - the daughter's bought a 2013 Vauxhall Adam Slam (which is a 1.4).
She's learning in it at the moment, under her own policy - which was roughly £700.
Once she has passed - the estimate from them is it will cost about £1700 (The 1.4 Adam slam is about £50 more than than jam/glam which are 1.2's)
That's a policy in her name, with me and the missus insured on it - and covered for business use (I'm letting her drive to school, and then am taking it to work and then collecting her).
We did look at learner firms like collingswood on a recommendation - but the issue there is as soon as you pass, the policy expires and you have not built up any no claims. On this - you pay the difference for the time remaining, and then (hopefully) get a few months before you have to fork out for an entire year.
Thanks. We are looking at a Fiat 500. Silly questions. How do we get insurance quotes when her birthday is over a month away? We are buying the car early as we have seen a good buy locally. I presume we have to insure the car in our name until her birthday then swap it all over when she turns 17?Quite surprisingly, Admiral multi car policy actually worked out the best (we're already got one for the other cars) - Admiral are quite good for young drivers.
Cheapest cars to insure as of about a week ago. Vauxhall Adam and Fiat 500.
After a bit more investigation (rear space in 500 was limited and the back of the seat cloth - so knees were a problem) - the daughter's bought a 2013 Vauxhall Adam Slam (which is a 1.4).
She's learning in it at the moment, under her own policy - which was roughly £700.
Once she has passed - the estimate from them is it will cost about £1700 (The 1.4 Adam slam is about £50 more than than jam/glam which are 1.2's)
That's a policy in her name, with me and the missus insured on it - and covered for business use (I'm letting her drive to school, and then am taking it to work and then collecting her).
We did look at learner firms like collingswood on a recommendation - but the issue there is as soon as you pass, the policy expires and you have not built up any no claims. On this - you pay the difference for the time remaining, and then (hopefully) get a few months before you have to fork out for an entire year.
RosscoPCole said:
JamesW said:
I have a daughter that turned 17 last Saturday, and the wife works in the auto trade and as spent a lot of time investigating this.
Quite surprisingly, Admiral multi car policy actually worked out the best (we're already got one for the other cars) - Admiral are quite good for young drivers.
Cheapest cars to insure as of about a week ago. Vauxhall Adam and Fiat 500.
After a bit more investigation (rear space in 500 was limited and the back of the seat cloth - so knees were a problem) - the daughter's bought a 2013 Vauxhall Adam Slam (which is a 1.4).
She's learning in it at the moment, under her own policy - which was roughly £700.
Once she has passed - the estimate from them is it will cost about £1700 (The 1.4 Adam slam is about £50 more than than jam/glam which are 1.2's)
That's a policy in her name, with me and the missus insured on it - and covered for business use (I'm letting her drive to school, and then am taking it to work and then collecting her).
We did look at learner firms like collingswood on a recommendation - but the issue there is as soon as you pass, the policy expires and you have not built up any no claims. On this - you pay the difference for the time remaining, and then (hopefully) get a few months before you have to fork out for an entire year.
Thanks. We are looking at a Fiat 500. Silly questions. How do we get insurance quotes when her birthday is over a month away? We are buying the car early as we have seen a good buy locally. I presume we have to insure the car in our name until her birthday then swap it all over when she turns 17?Quite surprisingly, Admiral multi car policy actually worked out the best (we're already got one for the other cars) - Admiral are quite good for young drivers.
Cheapest cars to insure as of about a week ago. Vauxhall Adam and Fiat 500.
After a bit more investigation (rear space in 500 was limited and the back of the seat cloth - so knees were a problem) - the daughter's bought a 2013 Vauxhall Adam Slam (which is a 1.4).
She's learning in it at the moment, under her own policy - which was roughly £700.
Once she has passed - the estimate from them is it will cost about £1700 (The 1.4 Adam slam is about £50 more than than jam/glam which are 1.2's)
That's a policy in her name, with me and the missus insured on it - and covered for business use (I'm letting her drive to school, and then am taking it to work and then collecting her).
We did look at learner firms like collingswood on a recommendation - but the issue there is as soon as you pass, the policy expires and you have not built up any no claims. On this - you pay the difference for the time remaining, and then (hopefully) get a few months before you have to fork out for an entire year.
Use temp cover to get the car home then SORN for a month. Or ask the seller to drive it round.
I used Hastings Direct for daughter's insurance Fiat 500 Convertible . Cost whilst learning was £260 (late 2022) and then first year with black box was £1300 . Google " learner driver insurance" Just been quoted £900 with one year's NCB
Put her as main driver and you as an additional driver - we took insurance out to start on her 17th birthday .
I also think the black box is a good idea once test is passed as it gets them into the habit of observing speed limits etc.
Put her as main driver and you as an additional driver - we took insurance out to start on her 17th birthday .
I also think the black box is a good idea once test is passed as it gets them into the habit of observing speed limits etc.
I commandeered my Dad's 07/57 MINI Cooper last year as he was talking about scrapping it.
As this was June and my daughter didn't turn 17 until October, I took a year's insurance on it.
I couldn't add her to that policy when she turned 17, so I arranged a separate learner driver policy. I think that's a nice way of doing it - the car remained covered for me to nip about in and any claim would be on my policy, not hers. Unless it happened whilst she was driving it of course!
She passed middle of March and we set up a policy in her name with Ticker from April. That meant I could change the V5 to her name at that point and not lose half of March's tax. But, crucially, it was also £500 cheaper to start her insurance a fortnight or so later than it was to start it immediately - £1400 rather than £1900. Fortunately she was happy to wait!
The policy's in her name but both me and Mrs T are named. I have an SP30 - picked up in November in her car, oops! - but it was still cheaper with both of us named.
As this was June and my daughter didn't turn 17 until October, I took a year's insurance on it.
I couldn't add her to that policy when she turned 17, so I arranged a separate learner driver policy. I think that's a nice way of doing it - the car remained covered for me to nip about in and any claim would be on my policy, not hers. Unless it happened whilst she was driving it of course!
She passed middle of March and we set up a policy in her name with Ticker from April. That meant I could change the V5 to her name at that point and not lose half of March's tax. But, crucially, it was also £500 cheaper to start her insurance a fortnight or so later than it was to start it immediately - £1400 rather than £1900. Fortunately she was happy to wait!
The policy's in her name but both me and Mrs T are named. I have an SP30 - picked up in November in her car, oops! - but it was still cheaper with both of us named.
Have a play on a comparison site with different car registration plates. Fiat 500 was relatively expensive from what I remember. We bought a Skoda Citigo for exactly this in 2020. Minimal servicing, no repairs, the cheapest insurance we could find and it’s still worth more than what we paid for it.
You don't need to worry about her not yet being 17 - the missus spent an hour on the phone with Admiral three weeks before her birthday, with a collection of appropriate number plates of various cars from Autotrader.
They were quite happy to provide quotes with a starting date of her birthday (with a proviso that should things change, it may have an impact on the price)
They were quite happy to provide quotes with a starting date of her birthday (with a proviso that should things change, it may have an impact on the price)
JamesW said:
You don't need to worry about her not yet being 17 - the missus spent an hour on the phone with Admiral three weeks before her birthday, with a collection of appropriate number plates of various cars from Autotrader.
They were quite happy to provide quotes with a starting date of her birthday (with a proviso that should things change, it may have an impact on the price)
Thanks. Just bought a Fiat 500c that was local to us and immaculate. Admiral were brilliant and now insured with them.They were quite happy to provide quotes with a starting date of her birthday (with a proviso that should things change, it may have an impact on the price)
My eldest who passed three years ago managed to get learner insurance from the age of 17 and when he passed just paid a reasonable uplift and his ncb was from the policy start date.
Most (but not all) learner insurance now automatically becomes invalid when you pass and you need to get a new policy.
So come to my youngest learner insurance we made a point of finding a policy that didn’t auto cancel on passing his test - paying more than the auto cancel ones, but thought it would be worth it because he would be building ncb quicker.
On passing his test, we called to upgrade the insurance and it was substantially more expensive than taking out a new policy - so we ended up cancelling it and starting over - so paying the extra for the non auto cancel learner policy was a waste of time in the end.
Most (but not all) learner insurance now automatically becomes invalid when you pass and you need to get a new policy.
So come to my youngest learner insurance we made a point of finding a policy that didn’t auto cancel on passing his test - paying more than the auto cancel ones, but thought it would be worth it because he would be building ncb quicker.
On passing his test, we called to upgrade the insurance and it was substantially more expensive than taking out a new policy - so we ended up cancelling it and starting over - so paying the extra for the non auto cancel learner policy was a waste of time in the end.
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