MASSIVE Insurance Increase After Passing Your Test

[Engineer1]

Just consider that if selling the car you will end up postponing the big insurance bill as she won't have any NCB, also unless you do get some driving in post test you end up getting rusty with your skills.

[theyrenotTHATbad]

when your learning, you have to drive around with an adult, therefore youre less like to crash apparently, youre less likely to commute anywhere or drive for long and you cant go on the motorway. thats why its cheaper

[visual123]

She's a girl, she'll probably pay about half a boy's insurance premium anyway.

[Rude-boy]

I am not for one second suggesting fronting here, but a thought has just occurred to me.

If she were to pass her test and then you were to sell her car I take it she could be added to the policy for one of the other cars in the family as a named driver. Genuinely so that she would be able to use that car from time to time when home from uni.

As such when she looks at getting herself a car and a policy in her own right after uni I would have thought that she had been driving and a named drive for x years before would count for something? I only ask as I was on a company policy for many years before the T&C’s were changed meaning I had to get my own policy with no NCB despite having an almost claim free history. The insurance Co I went with were happy to give me 4 years NCB on the basis of evidence of being on the company policy and a letter from the company confirming that I had not been involved in or the reason for any claims in the last 4 years.

[McSam]

Rude-boy said:

I am not for one second suggesting fronting here, but a thought has just occurred to me.

If she were to pass her test and then you were to sell her car I take it she could be added to the policy for one of the other cars in the family as a named driver. Genuinely so that she would be able to use that car from time to time when home from uni.

As such when she looks at getting herself a car and a policy in her own right after uni I would have thought that she had been driving and a named drive for x years before would count for something? I only ask as I was on a company policy for many years before the T&C’s were changed meaning I had to get my own policy with no NCB despite having an almost claim free history. The insurance Co I went with were happy to give me 4 years NCB on the basis of evidence of being on the company policy and a letter from the company confirming that I had not been involved in or the reason for any claims in the last 4 years.

It's a decent idea, but the situation tends to be that named drivers only gain NCB that can be used with the same insurer. Another company won't necessarily accept it, and your company won't give you a certificate for it because otherwise you could name ten drivers on one car, pay buggerall per person, and earn them all no-claims. Your situation's a bit different, I guess, because it wasn't like you were a secondary driver, you just didn't "own" the policy.

Two of the biggest factors (even including NCB) are the age and time the licence has been held for, so if you really want to save, just wait a couple of years. If she's going to uni, then you could just add her as a temporary driver when needed out of term-time and this would probably work out cheaper.

Edited by McSam on Thursday 2nd September 12:57

[softtop]

all sounds like a good idea but adding a young driver to any car over group 17 is going to be a massive hike, I would expect £1,000 more. Never asked since the sound of laughing would put me off.

[Doniger]

Try elephant too - I recently got a quote for my 21yr old sister who is still learning.
Example car was an R reg polo worth £750, and I managed to get her quote (as a newly qualified driver) down to £700ish by adding myself and our mother as named drivers. That IS absolutely bare bones 3rd party cover only mind you, and a 10month NCB accelerator policy.

[snotrag]

Elephant/Bell/Admiral were good for me too when I was young.

Worth pointing out - if your 17 anddriving a 500quid car, then its totally pointless having anything more than just the most basic of basic cover. Because if you do put in any sort of claim for something such as the car getting broken into, or you bumping a bollard in a car park, then its going to cost you considerably more in increased insurance premiums than it is just to buy another £500 quid car.
So you'd be barking to claim on it anyway - all you need insurance for is to be 'legal'.

[redgriff500]

We went for TPFT as TP was only £50 cheaper.

I tried adding her to my wife's A6 TDi and the premium went up £1600 and my wife was unwilling to risk her NCB too.

[ShiggyBiggs]

You got off easy in my opinion, I was paying similar prices for insurance when I was 21/22.

[standfree93]

Same as me, I passed my test just over a month ago, my insurance is around £2400 for a 1.25 Fiesta, 2002.

[McSam]

standfree93 said:

Same as me, I passed my test just over a month ago, my insurance is around £2400 for a 1.25 Fiesta, 2002.

Whoa.. See the above link to Admiral! I've been passed 18 months, but I pay half that for a 2.6 Audi A4, and I have a rather large claim on my name too.

[standfree93]

McSam said:

standfree93 said:

Same as me, I passed my test just over a month ago, my insurance is around £2400 for a 1.25 Fiesta, 2002.

Whoa.. See the above link to Admiral! I've been passed 18 months, but I pay half that for a 2.6 Audi A4, and I have a rather large claim on my name too.

Best I've got from Admiral is about £4000

[redgriff500]

standfree93 said:

Same as me, I passed my test just over a month ago, my insurance is around £2400 for a 1.25 Fiesta, 2002.

Ah but you are a boy (I presume)

And a Fiesta is Group 6

[McSam]

I insured a two-litre Mondeo from the day I passed, for £1200, so I don't know what's going wrong with everyone else.. Insurance prices now are about 30% higher than they were then (blame the budget), but, double for a car that's substantially more insurable?!? As I recall, the Mondeo was either group 12 or possibly 14. Sorry to go on, but I'm interested in figuring it out. Do you have your parents or any other family as named drivers on the £2400 quote? Is it fully comp? Low excess on a fully comp could do that.

Edited by McSam on Thursday 2nd September 20:38

[x type]

Another thumbs up for admiral multi car

I've been looking for insurance for my daughter who is 17 next month , bought a car for her allready renault clio 1.2 ( I know it's french but it was cheap )

Admiral multi car is who we've gone with

my case

Me 50 driving Jag 2.0 diesel ,3,000 mile a year fully comp guaranteed no claims me and wife to drive ,me main driver her occasional driver currently paying around £270

Wife 40+ has Peugeot 206 1.4 diesel me and her to drive fully comp guaranteed no claims her main driver me occasional driver currently paying £273

daughter 17 next month Renault clio 1.2 provisional driver ,me and wife occasional driver

Total for year with each one earning no claims (I have 32yrs ,wife has 7 yrs allready )

£1359

Result as far as I'm concerned

insurance for daughter as a learner in her own car around £750 with the multi car

When and if daughter passes test it goes up for her by around £300

best quote I had with a decent name insurance company for daughter on own insurance tpft ............... £2359 and nearly double if she passes test

I did get it down to about £900 with mr meerkat as a learner with a Mickey mouse united insurance company ,then double after passing test

[Piersman2]

Jees, is she driving a Ferrari or something.

My daughter passed her test last week, and based on the OP I told her to phone the insurance company and inform them she had passed becuase previously it hadn't crossed my mind that she would have to although as soon as I read the OP it was obvious she should as change in circumstance and all that.

Anyways... she had to pay an extra £90 ontop of her premium of about £670.

So not too bad. But then her car is only a snotter old 1.0L Micra which cost £500... cheap to insure though

[chrisispringles]

It's lucky for all of you with duaghters, only having to look at £900-1500 a year to insure them. Us young lads are getting a right seeing to. Once I pass my test there is no concievable way that I can afford to drive, even getting put on the insurance for my dad's old Volvo as a second driver would cost £2.5k!

[x type]

chrisispringles said:

It's lucky for all of you with duaghters, only having to look at £900-1500 a year to insure them. Us young lads are getting a right seeing to. Once I pass my test there is no concievable way that I can afford to drive, even getting put on the insurance for my dad's old Volvo as a second driver would cost £2.5k!

I got to pay for bloo// weddings as well when they are older

bit more than £2500

told them they are having caravan in garden ,NO house for them

[vit4]

McSam said:

Angry Sheep said:

I'm with Tesco and the insurance stayed the same when I passed my test. Annoyingly, it shot up £500 a year later for no apparent reason.

The financial world seemingly has a lot to do with insurance prices, I can't get a future quote as good as the premium I have now, even though I'll have held my licence two years rather than one and have a year's NCB rather than none! st happens. By the time I renew, it might've sorted itself out again.

ETA - To add figures to my suggestion of the named drivers, I've just got some re-quotes for my current policy.

With my parents added, both with licences held over 15 years and no claims or convictions and aged 52 and 50, my quote's (brace yourself) £1950.58
With just my mum, it's £2349.35
With just my dad, it's £2557.49, so gender does matter a bit.
With neither of them, it's a rather impressive £3365.54!

That's with Admiral, in case anyone's interested - when I got my policy ten months ago, by far the best going

Edited by McSam on Thursday 2nd September 09:45

I'm sure I'm with the only provider who charge MORE for adding my parents onto the policy; bumped it up by a couple hundred quid having both of them