Suddenly surprisingly cheap young driver insurance

[Foss62]

The story starts in the same way as many other PH young driver threads.

Son passed his driving test 3 years ago at the age of 17. His insurance as an additional driver on my wife’s old car went from pennies as a learner to unobtainable. Further searches gave a cheapest quote as something over £2500 - so we went with a pay by the mile and black box Marmalade policy so he could use the car for short periods when home from university.

A year ago, same situation with my 17 year old daughter. You could only have one driver on Marmalade so we resolved her dilemma with very short term insurance that had to be arranged on the starting day of the period required. Expensive but still cheaper than as a standard additional driver.

Then Marmalade announced they were leaving the mileage limited business…

Moving on to last week, as my wife’s insurance was up for renewal we decided on the off chance to try to add both children on a search site, expecting the quote to be somewhere well over £1500. Astonishingly there were a number of options around the £350 mark - despite us having to also declare a (minor) fault claim my son made two years ago.

Does it really only take a year after passing the test for the risk (and price) to drop so significantly?

If anyone is interested, the car is an 18 year old Toyota Auris owned from new and I am also on my wife’s policy.

[Rough101]

I’d check that, mine were still paying about £750 with one years no claims

[Foss62]

Rough101 said:

I d check that, mine were still paying about £750 with one years no claims

All seems OK and a policy selected and bought now.