New driver insurance
Discussion
Minimiss will be learning to drive soon and is keen on a Mini which naturally I can get behind.
Initial quote on a Cooper comes in at a reasonable £450 whilst learning rising to £950 once passed, in my name with her and Mrs Miniman named drivers.
Any good recommendations for specialist young person insurers or does the above seem like a fair deal? Most likely to do year 1 as my policy and then get something in her name year 2.
Initial quote on a Cooper comes in at a reasonable £450 whilst learning rising to £950 once passed, in my name with her and Mrs Miniman named drivers.
Any good recommendations for specialist young person insurers or does the above seem like a fair deal? Most likely to do year 1 as my policy and then get something in her name year 2.
£950 in a mini cooper in first year of driving 'feels' very good tbh.
That's about what Mrs Sway paid when she passed at 33 years old, for a Honda FRV.
Oh, sorry didn't twig on the 'in your name with named driver' bit.
Yeah, don't do that. Telematics policy, and Cooper might have to be swapped for One (or whatever the equivalent is) - or something like a C1/Aygo (which I believe are very good on insurance).
That's about what Mrs Sway paid when she passed at 33 years old, for a Honda FRV.
Oh, sorry didn't twig on the 'in your name with named driver' bit.
Yeah, don't do that. Telematics policy, and Cooper might have to be swapped for One (or whatever the equivalent is) - or something like a C1/Aygo (which I believe are very good on insurance).
Edited by Sway on Monday 6th January 19:38
My daughter is currently learning to drive, anywhere between £2k and £3k seems to be the going rate for a 1 litre super mini.
All of her friends seem to be driving nice cars, I believe they are all named drivers on their parents policies which as mentioned is fronting.
These threads always go two ways.
1)Recomendations to get something 'fun' and how they insured a Clio 182 as their sons first car for £900
2)Get something youngsters don't drive {a Volvo C30 is always mentioned) as this will he much cheaper.
I have spent hours on insurance comparison sites and in my experience neither are true.
All of her friends seem to be driving nice cars, I believe they are all named drivers on their parents policies which as mentioned is fronting.
These threads always go two ways.
1)Recomendations to get something 'fun' and how they insured a Clio 182 as their sons first car for £900
2)Get something youngsters don't drive {a Volvo C30 is always mentioned) as this will he much cheaper.
I have spent hours on insurance comparison sites and in my experience neither are true.
Yep, definitely a lot of fronting goes on with new drivers
I am in the same situation, sprog started driving may last year - and went for a ford ka. poverty spec
Undercut all the other cars I was quoting for by a few hundred pounds for when she actually passes her test. Test date next month, and I'm going to actually get her insurance in the next week, as apparently if you call them saying 'she passed, can I have insurance starting tomorrow ', you will get a rude shock compared to the quote you previously received
I am in the same situation, sprog started driving may last year - and went for a ford ka. poverty spec
Undercut all the other cars I was quoting for by a few hundred pounds for when she actually passes her test. Test date next month, and I'm going to actually get her insurance in the next week, as apparently if you call them saying 'she passed, can I have insurance starting tomorrow ', you will get a rude shock compared to the quote you previously received
miniman said:
So what sort of proportion of the usage constitutes “main driver” when there are 3 drivers?
The majority I would assume. Our son is learning, got him a 2018 Fiat 500 lounge. Wife and I have 3 other cars. Policy in his name with us named as drivers whilst a learner. When he passes again his name with us on it.My older lad passed 23 months ago.
First car was a Seat Ibiza ST 1.6 diesel 100hp ish. Cost £2300 on a telematics policy.
After a year he moved onto a NB MX5 1.8. Cost £1350 on a non-telematics policy.
Next son now has the Ibiza ST, and his first year on a telematics policy has cost £2400.
Hopefully within a couple of years I can get the household insurance bill for motors below £3000.
Fronting seems like a good idea until it all goes wrong. I wouldn't do it.
First car was a Seat Ibiza ST 1.6 diesel 100hp ish. Cost £2300 on a telematics policy.
After a year he moved onto a NB MX5 1.8. Cost £1350 on a non-telematics policy.
Next son now has the Ibiza ST, and his first year on a telematics policy has cost £2400.
Hopefully within a couple of years I can get the household insurance bill for motors below £3000.
Fronting seems like a good idea until it all goes wrong. I wouldn't do it.
Pizzaeatingking said:
It's mad, my cousin is paying north of a grand as a learner then over double that when she passes on a Fiat 500.
My lads learner policy is about £200.miniman said:
So what sort of proportion of the usage constitutes “main driver” when there are 3 drivers?
Whoever uses it the most I'd expect. spookly said:
My older lad passed 23 months ago.
First car was a Seat Ibiza ST 1.6 diesel 100hp ish. Cost £2300 on a telematics policy.
After a year he moved onto a NB MX5 1.8. Cost £1350 on a non-telematics policy.
Next son now has the Ibiza ST, and his first year on a telematics policy has cost £2400.
Hopefully within a couple of years I can get the household insurance bill for motors below £3000.
Fronting seems like a good idea until it all goes wrong. I wouldn't do it.
Guess it all depends on postcodes - my lad passed 18 months ago. (First car was a Seat Ibiza ST 1.6 diesel 100hp ish. Cost £2300 on a telematics policy.
After a year he moved onto a NB MX5 1.8. Cost £1350 on a non-telematics policy.
Next son now has the Ibiza ST, and his first year on a telematics policy has cost £2400.
Hopefully within a couple of years I can get the household insurance bill for motors below £3000.
Fronting seems like a good idea until it all goes wrong. I wouldn't do it.
First car was a MK3 Fabia - £950 insurance, then he bought a 2017 Polo GTi - £1400 insurance, and now he’s buying himself a Hyundai i20N - £1320 insurance, his own insurance with parents as named drivers, fully comp, commuting cover, all with a black box.
miniman said:
So what sort of proportion of the usage constitutes “main driver” when there are 3 drivers?
The fact that you're even asking this question kind of answers it. Your daughter is the main user, the car is going to be for her use, and you're trying to save a few bob by covering her as a named driver who isn't the main user. Which is absolutely fine, until it isn't. You'll probably get away with it, but if she has a large claim, with tp injuries, they will go to town. They'll interview neighbours, and friends. That's assuming your daughter is up for lying to the police when she's interviewed following the accident, and maybe lying under oath if prosecuted, or at a coroner's inquest. And if they conclude they've been lied to, they'll settle the huge tp claim as they are obligated to do, but come after you as the policy holder to recover their outlay. And ultimately, they'll force the sale of your house if required to pay towards the debt.
Edited by TwigtheWonderkid on Tuesday 7th January 20:24
miniman said:
I’m very much not looking to “save a few bob”, I’m looking to cover her properly at the most advantageous price. If that also means she starts accruing NCD then so much the better.
Fair play, in that case telemetrics based policy for her with you and Mrs Miniman will likely be the cheapest and best option. miniman said:
I’m very much not looking to “save a few bob”, I’m looking to cover her properly at the most advantageous price. If that also means she starts accruing NCD then so much the better.
If she's the main user you need to tell the insurer that info. Given that they will then rate it on her age group, she may as well be the policyholder. It's the policyholder who gets the bonus, not an additional driver, even if the additional driver is the main user. Jimjimhim said:
People always seem surprised about new drivers insurance at £3k but it's always been as expensive once adjusted for inflation.
Not really. I paid £320 for my first year's insurance on a old Mini back in 1988 when i passed my test. According to the BoE calculator that is about £900.My daughter passed her test last year and paid £1350 for her first year's insurance on a Yaris, so I'd say it's about 50% more expensive in real terms.
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