New Driver (Test Passed) Insurance
Discussion
surveyor_101 said:
Simple answer- if your the main driver and he will not drive that often its fine, if he will be the main driver its illegal and you could get caught fronting.
Firstly, it's *you're*.Secondly, if the insurance company are told he's the main driver, and are happy with the OP to stay as the policyholder, then that's fine.
NGee said:
Emeye said:
If he is going to be using the car more than you, he needs to be the policy holder - you can be the administrator of the policy.
I bow to your greater knowledge. I assume you work in the car insurance industry so would be grateful if you could explain what a 'policy administrator' is and also why the main driver has to be the policy holder.
ETA Before you answer you might like to read Twig's reply above.
Edited by NGee on Tuesday 21st June 10:32
Out of curiosity I put some quotes through the meerkat for a 25 year old insuring a 5 year old Ford Focus, one with 7 years NCB and another with no NCB but able to prove 7 years named driver on a policy with no claims made. Former was £530 minimum with the policies I'd choose from ranging from £600-650; and the named driver version was was £560 up to £640-700. So only about £50ish difference by that stage.
For a 20 year old having driven for three years it was £1000-1400, and with zero NCD but provable no claims as a named driver it was £1200-1600. You'd have to balance this out though with the cost of forking out for their own policy vs being a named driver with only minority use of the car allowed.
Does the insurance stipulate whether a main driver is the one who uses it for the most hours or the most miles?
For a 20 year old having driven for three years it was £1000-1400, and with zero NCD but provable no claims as a named driver it was £1200-1600. You'd have to balance this out though with the cost of forking out for their own policy vs being a named driver with only minority use of the car allowed.
Does the insurance stipulate whether a main driver is the one who uses it for the most hours or the most miles?
I guess reason that additional premium is so modest is that son is only shown as named driver.
I insured my children with Admiral - in each case RK made no difference ( it was me in each case ) and as it happens my eldest became policy administrator.
Whilst under a multi car policy ( 3 children , 3 cars ) in each case “ their “‘policy was in their name with us parents as named drivers.
Policies taken out when all on provisional licence and then when test passed , price obviously jumped but expected.
I insured my children with Admiral - in each case RK made no difference ( it was me in each case ) and as it happens my eldest became policy administrator.
Whilst under a multi car policy ( 3 children , 3 cars ) in each case “ their “‘policy was in their name with us parents as named drivers.
Policies taken out when all on provisional licence and then when test passed , price obviously jumped but expected.
rxe said:
IMO NCD is massively overblown. It’s like going into a shop with no prices, and being told that “this item” is a bargain because it is 60% off. A long time back Mrs rxe was very smug that she had NCD protection when an accident went 50.50 - until they loaded the policy, so 60% off still meant a massive increase.
Based on experience with my son, the cost of the base policy seems to be the most important factor. He passed his test at 19 (no driving tests or lessons during Covid), and his insurance in a car which is apparently Group 22 according to the internet is £1100 a year. I suspect that were he 17, it would be a lot more. So desperately getting bent over as a 17 year old to acquire an NCD seems like a mugs game.
On the other hand, when I was 18 I paid £1700 for my first years insurance. When I bought the next premium with a years no claims, it was £900. I was very pleased I had driven carefully!Based on experience with my son, the cost of the base policy seems to be the most important factor. He passed his test at 19 (no driving tests or lessons during Covid), and his insurance in a car which is apparently Group 22 according to the internet is £1100 a year. I suspect that were he 17, it would be a lot more. So desperately getting bent over as a 17 year old to acquire an NCD seems like a mugs game.
surveyor_101 said:
Simple answer- if your the main driver and he will not drive that often its fine, if he will be the main driver its illegal and you could get caught fronting.
If he isn't going to be the main driver he can earned named ncb and insure him as main after a year.
If its really will be the main driver and you won't be bite the bullet and insure him as main then you have no choice. Note: he doesn't need to be registered keeper.
Define main driver? As the OP has said, he will do more miles so he is main driver. The offspring will do more journeys, so he is the main driver.If he isn't going to be the main driver he can earned named ncb and insure him as main after a year.
If its really will be the main driver and you won't be bite the bullet and insure him as main then you have no choice. Note: he doesn't need to be registered keeper.
A: phone Admiral and tell them the facts of the matter and they can tell you.
Oceanrower said:
To all…
What is this “policy administrator” that some of you are on about?
Never come across that before!
Ok, I wouldn't want to upset the self-proclaimed experts with their arsey attitude, so the below is from my baffling experience, and not 30 years as an automotive insurance guru.What is this “policy administrator” that some of you are on about?
Never come across that before!
It's sold as a multicar policy, though if you have multiple cars on it seems they treat it as multiple linked policies. I think that as default you are the policy owner and policy admin for the cars you are the main/primary driver on, but my wife was the policy owner and policy admin on the car she had her NCD on. I had to ask to be the policy admin for her car as I otherwise I couldn't make changes. So she stays as the policy owner and I became the policy admin. The first time they tried to sort this out it didn't work and they had to try again - they got it all back to front.
It's nice and confusing, especially when something goes wrong and you need to sort it out.
Financially it has worked out nicely for me though, as they will give you your NCD discount on multiple cars even if you have only earned it on one car - you then build up NCD on each car/policy on their own.
Edited by Emeye on Wednesday 22 June 20:12
Oceanrower said:
To all…
What is this “policy administrator” that some of you are on about?
Never come across that before!
In the case of Multi-car ( admiral ) the policy administrator is the person who makes the payment and is their first point of contact.What is this “policy administrator” that some of you are on about?
Never come across that before!
They can add/remove policyholders
there's a nice table on page 25 of this ... which covers the roles and permissions of the various administrator , policy holder, named driver etc.
https://eui-pdf-assets.s3.eu-west-1.amazonaws.com/...
The policy administrator will be our main point of contact and, subject to the terms of this policy, can discuss, change
or remove any vehicle or home insured by this policy.
The other policyholders will be able to discuss and change any vehicle or home but will only be able to remove their
own items insured by this policy.
OK, quick update as nothing panned out how i'd expected.
Firstly, Son did pass his test on Wednesday (first time & he's still only 17), so that was a huge relieve, followed by a few days of worry as we agreed he could collect the car, even though i was out of the country on holiday.
So, based on advice in this thread (thank you) i called Admiral to explain the situation & aimed the policy for his car so he was legal/safe to drive solo. Now the online quote of £277 was an anomaly as it didn't load the premium correctly based on the increased risk being a newly qualified young driver (i tried to get an explanation but wasn't happening).
Moving on i got a verbal quote of £1030 for him to remain as a Named Driver, but now become the Main Driver & this figure i was more than happy with. It was a challenge getting agreement as the Main Driver as Admiral really don't like/want a 17yr old becoming a Policyholder & if i wanted this the premium would be £2850. I asked for an explanation to which i got 'we don't like Policyholders being Under 18' & i asked for a clear explanation of the difference in this case & was told (several times), that although he'd get credit for time without a claim, it wouldn't actually be NCD (think the same as how Company car drivers are viewed when taking out their own insurance).
They did repeat several times that he'll be noted as the Main Driver & for his vehicle the address used has been changed to his Mothers home address which is where the car will spend more time overnight than my address. They also confirmed that they have no interest in Main driver status based on number of journeys &/or mileage, so didn't care who does either.
I'm hopeful the outcome is as expected & it was a challenging hour on the phone to them to sort this, but looks like all's good
Firstly, Son did pass his test on Wednesday (first time & he's still only 17), so that was a huge relieve, followed by a few days of worry as we agreed he could collect the car, even though i was out of the country on holiday.
So, based on advice in this thread (thank you) i called Admiral to explain the situation & aimed the policy for his car so he was legal/safe to drive solo. Now the online quote of £277 was an anomaly as it didn't load the premium correctly based on the increased risk being a newly qualified young driver (i tried to get an explanation but wasn't happening).
Moving on i got a verbal quote of £1030 for him to remain as a Named Driver, but now become the Main Driver & this figure i was more than happy with. It was a challenge getting agreement as the Main Driver as Admiral really don't like/want a 17yr old becoming a Policyholder & if i wanted this the premium would be £2850. I asked for an explanation to which i got 'we don't like Policyholders being Under 18' & i asked for a clear explanation of the difference in this case & was told (several times), that although he'd get credit for time without a claim, it wouldn't actually be NCD (think the same as how Company car drivers are viewed when taking out their own insurance).
They did repeat several times that he'll be noted as the Main Driver & for his vehicle the address used has been changed to his Mothers home address which is where the car will spend more time overnight than my address. They also confirmed that they have no interest in Main driver status based on number of journeys &/or mileage, so didn't care who does either.
I'm hopeful the outcome is as expected & it was a challenging hour on the phone to them to sort this, but looks like all's good
Gassing Station | Speed, Plod & the Law | Top of Page | What's New | My Stuff