Buying & Insuring car for 17yr old provisonal driver !
Discussion
Not sure if this is the right place or not.
About to buy (from family) a car for my son to learn to drive in. In fact he’s about to buy it as it’s his money.
For now I realise the car will have to be insured in my or my wife’s name with him as named (provisional) driver to start with but as he’s not yet 17 so this is so so tricky.
I know I need to collect any day and therefore have to insure the new at least 2 days before he’s 17 (I can’t avoid this). Aim is he has lessons with instructor but practice lessons with me or my wife in between once he’s 17.
Questions are ....
How hard is this !
How do I add him to insurance at 16.9999 years old. I assume I can’t? And will have to get quotes and decide who’s cheapest / best and go alone then add him once 17?
What happens to insurance once (if) he passes? — Does it get lost / forfeited.?
Eg we insure now with him as named driver but once he passes it’s his car. I know / respect he should be prime driver etc so should have insurance in his name and build up no claims.
If so does that mean I lose the years insurance premium paid ? (Quotes approx £400 right now but he could be passing in 3 mth).
Can he / Should he own the car from the outset or not? Even though he’s not 17 when we collect it. Or do I find 7 day insurance from someone or drive it on my 3rd party if I have it ?
I’ve got 3 other cars in the house. All insured separately right now. Is there a smarter way ?(with minimal hassle - it’s nearly Christmas and I can barely deal with buying / collecting / taxing another car on top of everything else !)
If you got this far then thank you ! And Merry Christmas. All feedback welcome!
About to buy (from family) a car for my son to learn to drive in. In fact he’s about to buy it as it’s his money.
For now I realise the car will have to be insured in my or my wife’s name with him as named (provisional) driver to start with but as he’s not yet 17 so this is so so tricky.
I know I need to collect any day and therefore have to insure the new at least 2 days before he’s 17 (I can’t avoid this). Aim is he has lessons with instructor but practice lessons with me or my wife in between once he’s 17.
Questions are ....
How hard is this !
How do I add him to insurance at 16.9999 years old. I assume I can’t? And will have to get quotes and decide who’s cheapest / best and go alone then add him once 17?
What happens to insurance once (if) he passes? — Does it get lost / forfeited.?
Eg we insure now with him as named driver but once he passes it’s his car. I know / respect he should be prime driver etc so should have insurance in his name and build up no claims.
If so does that mean I lose the years insurance premium paid ? (Quotes approx £400 right now but he could be passing in 3 mth).
Can he / Should he own the car from the outset or not? Even though he’s not 17 when we collect it. Or do I find 7 day insurance from someone or drive it on my 3rd party if I have it ?
I’ve got 3 other cars in the house. All insured separately right now. Is there a smarter way ?(with minimal hassle - it’s nearly Christmas and I can barely deal with buying / collecting / taxing another car on top of everything else !)
If you got this far then thank you ! And Merry Christmas. All feedback welcome!
Thanks for the options..
Temp learner cover was an option I didn’t even know existed.
So. I still need to insure the car for a few days before sons 17th
- I could do as suggested and cancel a policy within cooling off period but I might also be able to drive the sons new ‘to be car’ home under my or wife’s policy (on basis it’s still covered under a full Policy with grandparents for the 1 st week).
Then options look to be
1) He can insure car as provisional with me / wife as named driver
2) We insure it with him as named driver (or buy adhoc cover for learners ) but then cancel this policy when he passes and he then takes out his own once passed.
Is that about it ?
Thanks
Temp learner cover was an option I didn’t even know existed.
So. I still need to insure the car for a few days before sons 17th
- I could do as suggested and cancel a policy within cooling off period but I might also be able to drive the sons new ‘to be car’ home under my or wife’s policy (on basis it’s still covered under a full Policy with grandparents for the 1 st week).
Then options look to be
1) He can insure car as provisional with me / wife as named driver
2) We insure it with him as named driver (or buy adhoc cover for learners ) but then cancel this policy when he passes and he then takes out his own once passed.
Is that about it ?
Thanks
Edited by Converse2020 on Wednesday 12th December 06:47
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