Insurance for 17yr old learner
Discussion
Just about to buy a sub £1k Hyundai i20 essentially for our 17yr old to get some experience leading up to her test whenever that comes.
I get the point that insurance as a learner can be quite reasonable (provisional licence/ accompanied) but as soon as they pass, it will jump-up if they are to be let loose with less than a year on their full licence….
Both parents will be added as drivers and might use the car - although we both have our own cars and are insured on each others etc.
No idea how many miles the i20 will do and unclear who will do the majority of them but while she is driving under supervision, presumably it is her that is actually driving so would she be the ‘main driver’ from this point onwards or does that only become relevant from the point that they have their full licence AND they are the main driver (avoiding fronting)?
Wondering if it would be worth registering the i20 in her name at this point (or later, +1 keeper).
I think both of us are with Admiral at present so perhaps I should try to call them - maybe multicar?
Perhaps overthinking but can’t believe how complex this looks…
I get the point that insurance as a learner can be quite reasonable (provisional licence/ accompanied) but as soon as they pass, it will jump-up if they are to be let loose with less than a year on their full licence….
Both parents will be added as drivers and might use the car - although we both have our own cars and are insured on each others etc.
No idea how many miles the i20 will do and unclear who will do the majority of them but while she is driving under supervision, presumably it is her that is actually driving so would she be the ‘main driver’ from this point onwards or does that only become relevant from the point that they have their full licence AND they are the main driver (avoiding fronting)?
Wondering if it would be worth registering the i20 in her name at this point (or later, +1 keeper).
I think both of us are with Admiral at present so perhaps I should try to call them - maybe multicar?
Perhaps overthinking but can’t believe how complex this looks…
Did exactly the same earlier this year & also with Admiral (Multicar).
His new VW Polo, i registered in my name & was the main driver whilst he was a learner & i think my 17yr old bumped the premium up on that car by about £40.
He then passed his test a couple of months ago so i needed to adjust this, but had to do over the phone.
The Premium on the Polo shot up (as expected) by about £1000 (still less than i expected), but Admiral wanted to keep me as the Main Driver & my Son as named. He won't earn any NCB but of course if he stays safe will have X yrs no claims 'experience' which in the real world will allow him to access the same discounts as NCB.
Now what was made clear by me is that Son will be using the car more than me (Dad) & thus i need this noted on the Policy (which they did). I queried any fronting issue & they confirmed that as long as intentions are noted, all is good.
The simple reason they didn't want my Son as the Policyholder is his age as was still 17 at the time & being a Policyholder brings with it certain responsibility that they wouldn't allow a child to fulfil, however when pushed they did agree they 'could' but that would add several thousand pounds to the premium.
Come renewal time, he'll be 18 so i can look at this again.
His new VW Polo, i registered in my name & was the main driver whilst he was a learner & i think my 17yr old bumped the premium up on that car by about £40.
He then passed his test a couple of months ago so i needed to adjust this, but had to do over the phone.
The Premium on the Polo shot up (as expected) by about £1000 (still less than i expected), but Admiral wanted to keep me as the Main Driver & my Son as named. He won't earn any NCB but of course if he stays safe will have X yrs no claims 'experience' which in the real world will allow him to access the same discounts as NCB.
Now what was made clear by me is that Son will be using the car more than me (Dad) & thus i need this noted on the Policy (which they did). I queried any fronting issue & they confirmed that as long as intentions are noted, all is good.
The simple reason they didn't want my Son as the Policyholder is his age as was still 17 at the time & being a Policyholder brings with it certain responsibility that they wouldn't allow a child to fulfil, however when pushed they did agree they 'could' but that would add several thousand pounds to the premium.
Come renewal time, he'll be 18 so i can look at this again.
Register it all in her name.
She will get the NCB and will help when she passes her test.
Remember to click the box that says it will be driven outside of peak hours mainly.
Unless prices are obscene dont get a black box policy.
Have a look at Adrian Flux or similar brokers as there will be insurers specialising in young drivers that wont be on the comparison websites.
She will get the NCB and will help when she passes her test.
Remember to click the box that says it will be driven outside of peak hours mainly.
Unless prices are obscene dont get a black box policy.
Have a look at Adrian Flux or similar brokers as there will be insurers specialising in young drivers that wont be on the comparison websites.
I've recently bought a VW Up for my lad to learn in as he's 17 in a few weeks, at the moment it's registered in my name & I'm the main driver with my son added as a named driver whilst he's learning, once he's passed I plan to transfer the car into his name at which point we'll swap roles and I will be the named driver
Having gone through this twice in recent years I found that specialist companies were cheapest for my daughter as a learner (18yo) but the policy had to be cancelled as soon as she passed (ie they don't insure drivers with full licences).
Direct line then worked out the cheapest when she passed (with anplack box). The black box was fine and didn't seem to cause her any issues. In the second year she pretty much ignored it, and drove like anyone else.
My son found normal insurance companies were cheapest, but the cheapest one for him as a learner wasn't the cheapest when he passed, so he changed insurers.
I got all the quotes through the normal comparison sites, except DL who aren't on them. I've been a long term customer of DL so I always check with them.
For all the policies they were main driver with me as a named driver, and it's dropped the insurance a bit more. It's handy being insured to drive all the cars
Direct line then worked out the cheapest when she passed (with anplack box). The black box was fine and didn't seem to cause her any issues. In the second year she pretty much ignored it, and drove like anyone else.
My son found normal insurance companies were cheapest, but the cheapest one for him as a learner wasn't the cheapest when he passed, so he changed insurers.
I got all the quotes through the normal comparison sites, except DL who aren't on them. I've been a long term customer of DL so I always check with them.
For all the policies they were main driver with me as a named driver, and it's dropped the insurance a bit more. It's handy being insured to drive all the cars
Edited by 98elise on Tuesday 30th August 15:15
We used Veygo for him to learn on his Mum's car and insurance. Very flexible as you can book it as you need it.
https://www.veygo.com/learner-driver-insurance/
Once passed we used Hastings for a black box policy in his name on a car registered to him. Seemed the cleanest way of doing it. £808 fully comp including commuting so much more reasonable than I was expecting for a 19 year old. The black box system works via bluetooth with an app and seems pretty fair and not over authoritarian.
Trying to get him as a named driver on his Mum's car (only a Suzuki S-Cross) was proving very difficult.
https://www.veygo.com/learner-driver-insurance/
Once passed we used Hastings for a black box policy in his name on a car registered to him. Seemed the cleanest way of doing it. £808 fully comp including commuting so much more reasonable than I was expecting for a 19 year old. The black box system works via bluetooth with an app and seems pretty fair and not over authoritarian.
Trying to get him as a named driver on his Mum's car (only a Suzuki S-Cross) was proving very difficult.
My son's Punto was registered and insured in his name from the off. Once he passed his test, I insured it in his name. A year later and with 12 months NCD it makes a huge difference to his premium.
That said, he's sorned it as he is off to University next month. But will keep the NCD for two years (and be two years older, obviously) when he wants to reinsure it.
That said, he's sorned it as he is off to University next month. But will keep the NCD for two years (and be two years older, obviously) when he wants to reinsure it.
My 3 children have all had their cars insured through Admiral - when the second was added it became a multi car policy and then my eldest assumed the role of administrator and then when no 3 got added they just carried on.
All were in their registered name from aged 17 and we were both on as named drivers.
Obviously when they passed their tests the hike was large but it was all about trying to accrue their own NCB asap and post year 1 prices came down a fair bit.
All were in their registered name from aged 17 and we were both on as named drivers.
Obviously when they passed their tests the hike was large but it was all about trying to accrue their own NCB asap and post year 1 prices came down a fair bit.
Went with Admiral.
£800 for 5,000miles Comprehensive SDP all in her name 17yr old, provisional licence, with both parents added as names drivers, driveway parking, rural Devon. 12yr old i20.
Presumably when she gets her full licence, she should tell Admiral (online).
Will they automatically increase her premium at that point?
£800 for 5,000miles Comprehensive SDP all in her name 17yr old, provisional licence, with both parents added as names drivers, driveway parking, rural Devon. 12yr old i20.
Presumably when she gets her full licence, she should tell Admiral (online).
Will they automatically increase her premium at that point?
Once you tell them she's passed, they will offer a premium. You don't have to take it.
£800 sounds extortionate. My son, 2007 Punto 1.2, in his name, same as you even down to rural Devon, £280 as a learner.
Passed his test, £1150 with Admiral, no box. £850 with a box. A year later with one year NCD, less than half that.
£800 sounds extortionate. My son, 2007 Punto 1.2, in his name, same as you even down to rural Devon, £280 as a learner.
Passed his test, £1150 with Admiral, no box. £850 with a box. A year later with one year NCD, less than half that.
Tyre Smoke said:
Once you tell them she's passed, they will offer a premium. You don't have to take it.
£800 sounds extortionate. My son, 2007 Punto 1.2, in his name, same as you even down to rural Devon, £280 as a learner.
Passed his test, £1150 with Admiral, no box. £850 with a box. A year later with one year NCD, less than half that.
Give or take a few quid, those are very similar to the premiums and route my 17 yr old took.£800 sounds extortionate. My son, 2007 Punto 1.2, in his name, same as you even down to rural Devon, £280 as a learner.
Passed his test, £1150 with Admiral, no box. £850 with a box. A year later with one year NCD, less than half that.
RicksAlfas said:
We used Veygo for him to learn on his Mum's car and insurance. Very flexible as you can book it as you need it.
https://www.veygo.com/learner-driver-insurance/
Once passed we used Hastings for a black box policy in his name on a car registered to him. Seemed the cleanest way of doing it. £808 fully comp including commuting so much more reasonable than I was expecting for a 19 year old. The black box system works via bluetooth with an app and seems pretty fair and not over authoritarian.
Trying to get him as a named driver on his Mum's car (only a Suzuki S-Cross) was proving very difficult.
Thanks for that link, they actually insure Nissan Leafs, Marmalade won't. https://www.veygo.com/learner-driver-insurance/
Once passed we used Hastings for a black box policy in his name on a car registered to him. Seemed the cleanest way of doing it. £808 fully comp including commuting so much more reasonable than I was expecting for a 19 year old. The black box system works via bluetooth with an app and seems pretty fair and not over authoritarian.
Trying to get him as a named driver on his Mum's car (only a Suzuki S-Cross) was proving very difficult.
lost in espace said:
Thanks for that link, they actually insure Nissan Leafs, Marmalade won't.
Glad it's of use. I found it a very useful system as his learning was very on/off due to covid, test cancellations, uni and all sorts. It was great being able to dip in and out of it as needed.Forums | General Gassing | Top of Page | What's New | My Stuff