Learner Driver Insurance 17 y.o
Discussion
Looking for a bit of advice please. We bought a wee 1.3 Clio months back for my daughter who turned 17 yesterday. Ive been running it on a second policy under my name/1 year no claims.
Went to put her on my existing policy as a learner Driver and the additional cost has come back at £1331! I thought the massive hike wasn't until the new Driver had passed?
Anyone else experienced this? Would there still be a massive uplift again when she passed?
Thanks in advance.
Went to put her on my existing policy as a learner Driver and the additional cost has come back at £1331! I thought the massive hike wasn't until the new Driver had passed?
Anyone else experienced this? Would there still be a massive uplift again when she passed?
Thanks in advance.
LooneyTunes said:
Try a policy in her name?
My station car (value £8995), insured for child at 17 on provisional and with no NCB, came in at less than £250 (fully comp).
That's how we've done it as well. The policy in her name, and then me and my missus on it as named drivers. £260 fully comp, but I'm expecting that to rocket up once she's passed though. My station car (value £8995), insured for child at 17 on provisional and with no NCB, came in at less than £250 (fully comp).
cerb4.5lee said:
LooneyTunes said:
Try a policy in her name?
My station car (value £8995), insured for child at 17 on provisional and with no NCB, came in at less than £250 (fully comp).
That's how we've done it as well. The policy in her name, and then me and my missus on it as named drivers. £260 fully comp, but I'm expecting that to rocket up once she's passed though. My station car (value £8995), insured for child at 17 on provisional and with no NCB, came in at less than £250 (fully comp).
A drawback is that there’s a policy with 5 years NCB sat there doing nothing… it feels like a waste so will need to use some man maths.
Doc_Love said:
Looking for a bit of advice please. We bought a wee 1.3 Clio months back for my daughter who turned 17 yesterday. Ive been running it on a second policy under my name/1 year no claims.
Went to put her on my existing policy as a learner Driver and the additional cost has come back at £1331! I thought the massive hike wasn't until the new Driver had passed?
Anyone else experienced this? Would there still be a massive uplift again when she passed?
Thanks in advance.
That is weird. We put my first daughter on her mother's car and it was £150 extra for about 9 months or until she passed. After she passed they wanted £1400 extra. Went to put her on my existing policy as a learner Driver and the additional cost has come back at £1331! I thought the massive hike wasn't until the new Driver had passed?
Anyone else experienced this? Would there still be a massive uplift again when she passed?
Thanks in advance.
nordboy said:
Marmalade (or simliar) with her own policy. It'll be a shed load cheaper than that.
Then when she passes her test, be very prepared with lots of lube etc when the insurance company pulls your pants down with the cost!!!!
Marmalade were great when my daughter was learning. Only a few hundred quid on her Hyundai i10. The lube was certainly needed when she passed and we had to pay £3500 for her first year, black box mandatory. Then when she passes her test, be very prepared with lots of lube etc when the insurance company pulls your pants down with the cost!!!!
I had a policy for my daughter when she turned 17 as a learner. It was very cheap. £250. When she passed they didn't want to know and cancelled immediately. Her first really policy with a black box. Was £1350 6k miles. 2009 Fiat Grande Punto Tjet 1.4.
She did 6k miles in just 6 months. Had to pay another £500 on top to turn her policy into 15k PA.
She has been going with her friends every weekend shopping to London. Luckily she has her own weekend job and it came out of her own pocket. She has learnt her lesson now that things cost money!
She did 6k miles in just 6 months. Had to pay another £500 on top to turn her policy into 15k PA.
She has been going with her friends every weekend shopping to London. Luckily she has her own weekend job and it came out of her own pocket. She has learnt her lesson now that things cost money!
Assuming you and / or your Partner have good driving records might be worth adding yourselves to a policy in her name as named drivers and limiting the annual mileage to say 7k.
We went with Admiral for all 3 of our children and whilst the hike once they passed their tests was painful it helped that Admiral then ( and I think they still do ) gave 1 year NCB once that date was reached irrespective of when their tests were passed in the year.
We went with Admiral for all 3 of our children and whilst the hike once they passed their tests was painful it helped that Admiral then ( and I think they still do ) gave 1 year NCB once that date was reached irrespective of when their tests were passed in the year.
We used:
https://www.sterling-insurance.co.uk/learner-drive...
when my lad acquired a Hyundai i10 to lean to drive in.
Insured in his name with me and wife as name drivers was about £250 IIRC. Once he passed his test it went to around £1500, we found somewhere for around £1300, this year it's about £700
Tried to add him to the family car, mostly for motorway experience while on holiday and that was an additional £500
https://www.sterling-insurance.co.uk/learner-drive...
when my lad acquired a Hyundai i10 to lean to drive in.
Insured in his name with me and wife as name drivers was about £250 IIRC. Once he passed his test it went to around £1500, we found somewhere for around £1300, this year it's about £700
Tried to add him to the family car, mostly for motorway experience while on holiday and that was an additional £500
I would think there is some sort of error with the OPs quote.
With our two children as 17 year old learners in my wife’s car the increase was negligible. As soon as they passed their tests, my wife’s insurance refused to quote, and other standard options were eye-wateringly expensive so we went with Marmalade (black box and buying miles and no longer available) and then short term insurance (phone up and buy a few days).
Now daughter is 19 and son 21 and adding them back to my wife’s policy is again negligible (couple of hundred).
Strange world….
With our two children as 17 year old learners in my wife’s car the increase was negligible. As soon as they passed their tests, my wife’s insurance refused to quote, and other standard options were eye-wateringly expensive so we went with Marmalade (black box and buying miles and no longer available) and then short term insurance (phone up and buy a few days).
Now daughter is 19 and son 21 and adding them back to my wife’s policy is again negligible (couple of hundred).
Strange world….
PhilboSE said:
nordboy said:
Then when she passes her test, be very prepared with lots of lube etc when the insurance company pulls your pants down with the cost!!!!
My 17yo, just passed, insured fully comp SDP in her name with +2 named drivers, £450. My son's learner policy in his own name was something like £250 for his Peugeot 108. When he passed his test the full insurance policy was £3k. Reduced to £1500 after the first year.
Foss62 said:
I would think there is some sort of error with the OPs quote.
With our two children as 17 year old learners in my wife s car the increase was negligible. As soon as they passed their tests, my wife s insurance refused to quote, and other standard options were eye-wateringly expensive so we went with Marmalade (black box and buying miles and no longer available) and then short term insurance (phone up and buy a few days).
Now daughter is 19 and son 21 and adding them back to my wife s policy is again negligible (couple of hundred).
Strange world .
With our two children as 17 year old learners in my wife s car the increase was negligible. As soon as they passed their tests, my wife s insurance refused to quote, and other standard options were eye-wateringly expensive so we went with Marmalade (black box and buying miles and no longer available) and then short term insurance (phone up and buy a few days).
Now daughter is 19 and son 21 and adding them back to my wife s policy is again negligible (couple of hundred).
Strange world .
Quite possible. I did screen shot to send to my wife :-) I will phone insurance tomorrow and see whats what. I do like the idea of getting my daughter to build her own policy tho. Out of interest I tried to put her on my Merc C350 insurance - they wouldnt even quote! Thanks everyone.
Foss62 said:
I would think there is some sort of error with the OPs quote.
I doubt it. Some insurers don't really want a 17 y/o driver, even on a prov licence, so will price themselves out of the market. They don't want the business. At lease they are giving a price. Some insurers would just say no. Admiral multicar gives NCD from the first day you are named driver. They also offer decent prices for learner and just passed drivers.
There are downsides, and of course they NCD is subject to them taking out thier own insurance with Admiral, but you only need that for one year. And a multicar gives discount even if they are separate policies and names.
IIRC, Mrs + myself + learner at 17 on Ibiza or Fabia estate was around £650-750, plus a newly passed driver was around £1300 each time, and by the time 3rd one was learning, the first one had his own van (£750 for Transit/2yr NCD Vs £1400 elsewhere...), and I've now got three of them on thier own but linked policies and highest cost is £750 for a Swift 1.0 Hybrid (3.5yrs since passed) and lowest cost is Civic 1.8/140bhp (1.5yrs since passed).
While admiral are not perfect, it's served us well and saved thousands over the last 6 years...
There are downsides, and of course they NCD is subject to them taking out thier own insurance with Admiral, but you only need that for one year. And a multicar gives discount even if they are separate policies and names.
IIRC, Mrs + myself + learner at 17 on Ibiza or Fabia estate was around £650-750, plus a newly passed driver was around £1300 each time, and by the time 3rd one was learning, the first one had his own van (£750 for Transit/2yr NCD Vs £1400 elsewhere...), and I've now got three of them on thier own but linked policies and highest cost is £750 for a Swift 1.0 Hybrid (3.5yrs since passed) and lowest cost is Civic 1.8/140bhp (1.5yrs since passed).
While admiral are not perfect, it's served us well and saved thousands over the last 6 years...
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