Sharing car with 17 year-old learner - Insurance and NCB/NCD
Discussion
How come your daughter is learning in a manual? The majority of cars are auto these days and the proportion will grow year on year. Manual takes a lot longer to learn in
I can understand if she's a car enthusiast and wants the thrill (no, really!) Of driving manual. But if it's to get from A to B, auto, surely?
I can understand if she's a car enthusiast and wants the thrill (no, really!) Of driving manual. But if it's to get from A to B, auto, surely?
-Pete- said:
TwigtheWonderkid said:
The policyholder earns the NCB. Regardless of who the main driver is.
Thanks Twig, I was hoping someone who’s in the insurance industry would answer. Are there any other comments you can make, about my cunning plan?Edited by -Pete- on Thursday 24th June 12:33
Buy the car and insure it in your name as the owner and main driver. When she's 17, keep that policy unaltered and buy her a stand alone policy to drive the car as an accompanied provisional licence holder. Marmalade do a policy that you can buy for periods of 1 to 6 months and it's cheap. That policy becomes null and void when she passes. But your policy is still valid.
At that point, put the car in her name, and get her the black box policy for £1100, with you as an additional driver. cancel the policy in your name, you might get a refund.
Your plan is fine, but if she passed 9 or 10 months after she's 17, you'll have to cancel as she's no longer a prov licence holder, and do a new policy, so you'll get no bonus for that 10 months.
MrJuice said:
How come your daughter is learning in a manual? The majority of cars are auto these days and the proportion will grow year on year. Manual takes a lot longer to learn in
I can understand if she's a car enthusiast and wants the thrill (no, really!) Of driving manual. But if it's to get from A to B, auto, surely?
Insurance is cheaper if you have a full drivers licence compared to auto only.I can understand if she's a car enthusiast and wants the thrill (no, really!) Of driving manual. But if it's to get from A to B, auto, surely?
MrJuice said:
Interesting. Many insurers don't ask whether licence is manual or auto though
I've never been asked. Dropdown box on my current insurance says full /provisional/foreign EU/foreign non EU etc. No option for auto or manual. If I am insuring an auto and I have an auto licence, then that's a full licence.
TwigtheWonderkid said:
I'm not in the industry but here's what I would do.
Buy the car and insure it in your name as the owner and main driver. When she's 17, keep that policy unaltered and buy her a stand alone policy to drive the car as an accompanied provisional licence holder. Marmalade do a policy that you can buy for periods of 1 to 6 months and it's cheap. That policy becomes null and void when she passes. But your policy is still valid.
At that point, put the car in her name, and get her the black box policy for £1100, with you as an additional driver. cancel the policy in your name, you might get a refund.
Your plan is fine, but if she passed 9 or 10 months after she's 17, you'll have to cancel as she's no longer a prov licence holder, and do a new policy, so you'll get no bonus for that 10 months.
My son is almost 17 so I'm researching the same thing and your advice seems spot on to me! That's what I'm planning to do. Buy the car and insure it in your name as the owner and main driver. When she's 17, keep that policy unaltered and buy her a stand alone policy to drive the car as an accompanied provisional licence holder. Marmalade do a policy that you can buy for periods of 1 to 6 months and it's cheap. That policy becomes null and void when she passes. But your policy is still valid.
At that point, put the car in her name, and get her the black box policy for £1100, with you as an additional driver. cancel the policy in your name, you might get a refund.
Your plan is fine, but if she passed 9 or 10 months after she's 17, you'll have to cancel as she's no longer a prov licence holder, and do a new policy, so you'll get no bonus for that 10 months.
TwigtheWonderkid said:
Buy the car and insure it in your name as the owner and main driver. When she's 17, keep that policy unaltered and buy her a stand alone policy to drive the car as an accompanied provisional licence holder. Marmalade do a policy that you can buy for periods of 1 to 6 months and it's cheap. That policy becomes null and void when she passes. But your policy is still valid.
At that point, put the car in her name, and get her the black box policy for £1100, with you as an additional driver. cancel the policy in your name, you might get a refund.
Your plan is fine, but if she passed 9 or 10 months after she's 17, you'll have to cancel as she's no longer a prov licence holder, and do a new policy, so you'll get no bonus for that 10 months.
Thanks, I'm interested to know why you recommend two policies in parallel - what's the benefit? Marmalade want £315 for 6 months insurance, in addition to the £230 I'd pay, and she'll earn no NCB. Versus £330 with NCB earned doing it my way.At that point, put the car in her name, and get her the black box policy for £1100, with you as an additional driver. cancel the policy in your name, you might get a refund.
Your plan is fine, but if she passed 9 or 10 months after she's 17, you'll have to cancel as she's no longer a prov licence holder, and do a new policy, so you'll get no bonus for that 10 months.
Edited by -Pete- on Saturday 26th June 00:19
Pete I don't think your daughter will be getting NCB when you're the named driver and policy holder - it's you who will be getting NCB. In addition, £330 for your insurance with your daughter added as an additional driver doesn't sound realistic - are you sure that's a real quote you can actually get? It's more likely to be over a thousand (or more).
timeism0ney said:
In addition, £330 for your insurance with your daughter added as an additional driver doesn't sound realistic - are you sure that's a real quote you can actually get? It's more likely to be over a thousand (or more).
It's entirely realistic adding her as a provisional licence holder. She will be accompanied at all times, is learning so will be driving cautiously, and the claims stats for prov licence holders are very low. The problems start after young drivers pass their test and are allowed out on their own, which is why the OP was looking at a far higher rate from that point on. Pit Pony said:
You might look into marmalade provisional insurance.
Although it really only makes sense if you are insuring a 17 year old leaner on your main car.
I had a look at Carrot (all these stupid names...) for something similar but they wouldn't cover anything over £20k. Marmalade want too many personal details to get a speculative guide cost and they can forget getting my daughter's mobile etc unless we take a policy. BAny ideas on what they cover - other than bread?Although it really only makes sense if you are insuring a 17 year old leaner on your main car.
Steve Campbell said:
We added his car as a separate car / him as registered keeper & main driver with me and wife named drivers to my wifes insurance (effectively multi car for family).
Can you run that by me again mate? Your wife had a multicar policy but you can jiggle who the main driver is for each car?Twig,
I see. I tried my insurance provider with provisional and full license for additional young driver and it threw me the same insane figure which makes separate marmalade quite attractive to me. It may well be me that's missing something though, don't know. Thanks for posting, great discussion.
I see. I tried my insurance provider with provisional and full license for additional young driver and it threw me the same insane figure which makes separate marmalade quite attractive to me. It may well be me that's missing something though, don't know. Thanks for posting, great discussion.
TwigtheWonderkid said:
timeism0ney said:
In addition, £330 for your insurance with your daughter added as an additional driver doesn't sound realistic - are you sure that's a real quote you can actually get? It's more likely to be over a thousand (or more).
It's entirely realistic adding her as a provisional licence holder. She will be accompanied at all times, is learning so will be driving cautiously, and the claims stats for prov licence holders are very low. The problems start after young drivers pass their test and are allowed out on their own, which is why the OP was looking at a far higher rate from that point on. timeism0ney said:
Twig,
I see. I tried my insurance provider with provisional and full license for additional young driver and it threw me the same insane figure which makes separate marmalade quite attractive to me. It may well be me that's missing something though, don't know. Thanks for posting, great discussion.
£330 is until she passes her test, then it'll be more like £1100 with a black box... so I'm thinking of delaying her test until she's been driving for 12 months... I hope the £1100 will come down a few hundred pounds because she'll be 18 and have a year's NCB.I see. I tried my insurance provider with provisional and full license for additional young driver and it threw me the same insane figure which makes separate marmalade quite attractive to me. It may well be me that's missing something though, don't know. Thanks for posting, great discussion.
Thanks Pete, got it. Not tried to get quotes for that scenario yet but the way you describe it, it makes sense and could work.
The only thing I'm not sure about is whether delaying the test is a good tactic from learning point of view. I think it's easiest to pass the test after intensive training 1-2 times a week with a driving instructor + additional driving with a parent. Prolonged driving lessons and multiple test attempts have a cost too. And stress, of course, in the case of failing the test.
The only thing I'm not sure about is whether delaying the test is a good tactic from learning point of view. I think it's easiest to pass the test after intensive training 1-2 times a week with a driving instructor + additional driving with a parent. Prolonged driving lessons and multiple test attempts have a cost too. And stress, of course, in the case of failing the test.
timeism0ney said:
Twig,
I see. I tried my insurance provider with provisional and full license for additional young driver and it threw me the same insane figure which makes separate marmalade quite attractive to me. It may well be me that's missing something though, don't know. Thanks for posting, great discussion.
Some insurers don't want young drivers, regardless of their licence status. I see. I tried my insurance provider with provisional and full license for additional young driver and it threw me the same insane figure which makes separate marmalade quite attractive to me. It may well be me that's missing something though, don't know. Thanks for posting, great discussion.
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