Learner insurance
Discussion
Whats the current best arrangement for learner insurance? Adding as a learner to the wifes policy on her car which we intend to use for son to learn to drive in, or get a special learner policy specifically for him?
When i learnt to drive i had my own car with my own insurance, but at present son will be using the wifes to learn in.
He will be having copious amounts of lessons too, so this is just for him to get extra experiance behind the wheel.
Cheers
(please move to correct forum if needed - i couldn't see a special insurance one)
When i learnt to drive i had my own car with my own insurance, but at present son will be using the wifes to learn in.
He will be having copious amounts of lessons too, so this is just for him to get extra experiance behind the wheel.
Cheers
(please move to correct forum if needed - i couldn't see a special insurance one)
Road2Ruin said:
I got my daughter insured as a learner on my wife's policy, volvo v40. Was only a few pounds extra. Got her own policy when passed or her car.
thank you. thats what i was planning to do, but then saw these special learner policies so wondered if they were worth considering. 👍
thank you all for feedback. market has changed a bit since i learnt to drive. Will probably looks at a policy of his own or an initial learner one to keep risk to the wifes policy out the equation. The car her policy is currently on is cheap as chips, but when son passes he'll probably take over that car and wife will then want an intact unblemished policy for her next one, and seeing how my own policy has increase 50% in last 2 years with no claims or convictions anything i can do to minimise those costs on the higher performance cars will be better. cheers all.
The Avenicus twins turn 17 shortly.
Speaking to Marmalade on the phone, they said I can have a new policy in my name (doesn't have to be with Marmalade and would be £200 a year) as the owner and keeper of the car we are buying for them and then add them to my policy as learners for roughly £60 per month. No telematics needed.
(Is this what Scrump and Twig have described?)
Once they pass, they have to have their own 'new driver policy' though.
Alternative Black Box policy option was about £1800
Anyone insured this way before?
Speaking to Marmalade on the phone, they said I can have a new policy in my name (doesn't have to be with Marmalade and would be £200 a year) as the owner and keeper of the car we are buying for them and then add them to my policy as learners for roughly £60 per month. No telematics needed.
(Is this what Scrump and Twig have described?)
Once they pass, they have to have their own 'new driver policy' though.
Alternative Black Box policy option was about £1800
Anyone insured this way before?
seems expensive.
Assuming car is in your name and is relatively low powered, then insure it for your use/wife use, and use Collingwood to add your kids on a learner policy, probs around £200 for 6 months.
If the car is to be then used by your kids after they've passed, then Admiral are quite good, and £1200 with a high excess should see them insured no black box but limited mileage.
Assuming car is in your name and is relatively low powered, then insure it for your use/wife use, and use Collingwood to add your kids on a learner policy, probs around £200 for 6 months.
If the car is to be then used by your kids after they've passed, then Admiral are quite good, and £1200 with a high excess should see them insured no black box but limited mileage.
Avenicus said:
Thanks - will check out Collingwood
Car is a 2023 VW Up so definitely don't want a black box policy in case I want some fun
Some of the black boxes connect to the users phone, so they know who is driving. The one we had could also be turned off, but only for short periods otherwise a penalty applied.Car is a 2023 VW Up so definitely don't want a black box policy in case I want some fun
Three options really...
1. Buy young un a car, with their own insurance policy and accrue NCB. Will be quite cheap as a learner, but as you are probably aware horrific when they pass. If the intention is that they will have their own car when they pass the test, then it may be worth taking this route as hopefully they'll accrue some sort of record which may reduce the premium. As it turned out, it took my daughter over a year to pass due to covid lockdown etc so she'd already accrued a year NCB.
2. Put them on your own/other car's insurance. This will likely be by far the cheapest (I think it cost me £90 to add daughter 2 to daughter 1's policy)
3. Use Marmalade or similar and arrange a learner driver policy, the main advantage being that any accidents they have do not affect your own NCB. This can either be done monthly or for a year, which may be a waste if they pass quickly.
In my opinion, an accident under learner supervision is very unlikely so I'd be happy with (2) vs (3) as its a lot cheaper.
1. Buy young un a car, with their own insurance policy and accrue NCB. Will be quite cheap as a learner, but as you are probably aware horrific when they pass. If the intention is that they will have their own car when they pass the test, then it may be worth taking this route as hopefully they'll accrue some sort of record which may reduce the premium. As it turned out, it took my daughter over a year to pass due to covid lockdown etc so she'd already accrued a year NCB.
2. Put them on your own/other car's insurance. This will likely be by far the cheapest (I think it cost me £90 to add daughter 2 to daughter 1's policy)
3. Use Marmalade or similar and arrange a learner driver policy, the main advantage being that any accidents they have do not affect your own NCB. This can either be done monthly or for a year, which may be a waste if they pass quickly.
In my opinion, an accident under learner supervision is very unlikely so I'd be happy with (2) vs (3) as its a lot cheaper.
We ended up initially adding son as a learner to the wifes LV policy on a citroen C1 (1 litre). Shes mid 40's and her insurance was c.£200pa. Adding him for 4 months was only another c.£200 on learner insurance. On renewal the robbing barstewards wanted £1600 for him to continue being a learner on the policy. Told them to shove it - wife got hers seperately for c.£200 elsewhere and we then got a learner policy for son with Adrian Flux for around £250-300 for the year, but this then converts to a full policy when he passes - premium will shoot up, but hes currently earning no claims even when learning.
Going through similar thought processes with my eldest.
He turned 17 recently. He’s not bothered about driving or having a car (we have good public transport options) but realises it will be a lot easier to pass his test now rather than wait until he’s older.
He’s having lessons but we want to insure him on our Seat Mii so he can get a bit of practice between lessons. Current insurers won’t accept a learner added. Marmalade want £201 as a bolt on policy for six months (no idea whether that wil be enough to see him through his test). Alternatively, a new policy for my wife with son as a named driver would be £330 for a year (with a bit of a rebate for the remainder of the existing policy).
So is suspect we’ll be going with a new policy with him as a named driver. “Fun” starts if/when he passes him test and the annual premium jumps up to £1,000. At that point, he might be going back to public transport.
He turned 17 recently. He’s not bothered about driving or having a car (we have good public transport options) but realises it will be a lot easier to pass his test now rather than wait until he’s older.
He’s having lessons but we want to insure him on our Seat Mii so he can get a bit of practice between lessons. Current insurers won’t accept a learner added. Marmalade want £201 as a bolt on policy for six months (no idea whether that wil be enough to see him through his test). Alternatively, a new policy for my wife with son as a named driver would be £330 for a year (with a bit of a rebate for the remainder of the existing policy).
So is suspect we’ll be going with a new policy with him as a named driver. “Fun” starts if/when he passes him test and the annual premium jumps up to £1,000. At that point, he might be going back to public transport.
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