New driver Insurance
Discussion
Hi all, Three weeks ago my eldest daughter passed her driving test first time, a fantastic achievement that we are all very proud of.
She has been using her own car that we bought her since April '13 and had insurance cover in her own name as a learner driver.
However the elation has been somewhat soured by the ridiculous quotes that we are now getting to cover her now that she has passed.
Can anyone please offer any sensible advice as to where to get some affordable quotations.
We want the Policy in her name, so she can start to build up her own no claims discount. She will be doing very limited driving during the week and travelling to work at the weekend.
I would really appreciate advice from fellow petrol heads whose children have / are dealing with the same issue right now.
We understand the price will run in to 4 figures, but multiple 4 figures is downright ridiculous, how are young people supposed to start driving and get in to property market etc.
All sensible suggestions and advice really appreciated fellow p/hers....
She has been using her own car that we bought her since April '13 and had insurance cover in her own name as a learner driver.
However the elation has been somewhat soured by the ridiculous quotes that we are now getting to cover her now that she has passed.
Can anyone please offer any sensible advice as to where to get some affordable quotations.
We want the Policy in her name, so she can start to build up her own no claims discount. She will be doing very limited driving during the week and travelling to work at the weekend.
I would really appreciate advice from fellow petrol heads whose children have / are dealing with the same issue right now.
We understand the price will run in to 4 figures, but multiple 4 figures is downright ridiculous, how are young people supposed to start driving and get in to property market etc.
All sensible suggestions and advice really appreciated fellow p/hers....
One of the Admiral group of insurers will be your only choice , they come in at half what the other companies want to charge you .( Admiral , Bell , Diamond or Elephant )
If your daughter isn't driving that much why not put her as a named driver until she has one years experience then you'll find the quotes greatly reduced . Admiral will accept proof of non claims driving for youngsters as a named driver then you can take out a policy in her name . They also do an accelerator scheme where you have a ten month policy but it earns a years no claims , there's also the black box scheme as well , that takes a certain amount off too .
Add yourselves as named drivers on her policy if you do go down that route .
If your daughter isn't driving that much why not put her as a named driver until she has one years experience then you'll find the quotes greatly reduced . Admiral will accept proof of non claims driving for youngsters as a named driver then you can take out a policy in her name . They also do an accelerator scheme where you have a ten month policy but it earns a years no claims , there's also the black box scheme as well , that takes a certain amount off too .
Add yourselves as named drivers on her policy if you do go down that route .
Buff Mchugelarge said:
My son is 11 and can drive on his own already but I dread to think how he'll ever be able afford to drive on the roads,
I really feel for new drivers
We've all got to start somewhere. 24 years ago when I was 19 I was paying £800 odds 3rd party only for a Rover SD1 V8S that I paid about £500 for. Doubt my take home pay was £100 a week then.I really feel for new drivers
1. Make sure you put yourself on the policy as a named driver.
2. Yes you can get a policy with a black box, but dont. I had one for a little bit. Had it for two months when i was 19 and paid £1700. The joys of having 6 points. Being on my second liecence. And a powerful car (for my age).....where was i?? O yeah. If you get a black box policy you're limited on milage and times on when you can drive (sometimes). I had multiple phone calls from my insurer at the time saying i use my car too much during the rush hours, and late at night and if i carry on they will increase my premiums. They didnt like me going to and from work or going out with friends.
Sorry if it seems abit long winded. But long and short of it....dont get a black box.
2. Yes you can get a policy with a black box, but dont. I had one for a little bit. Had it for two months when i was 19 and paid £1700. The joys of having 6 points. Being on my second liecence. And a powerful car (for my age).....where was i?? O yeah. If you get a black box policy you're limited on milage and times on when you can drive (sometimes). I had multiple phone calls from my insurer at the time saying i use my car too much during the rush hours, and late at night and if i carry on they will increase my premiums. They didnt like me going to and from work or going out with friends.
Sorry if it seems abit long winded. But long and short of it....dont get a black box.
OP,
If all the quotes you are getting are ridiculous, then maybe they are not ridiculous, perhaps they are right.
A friend of mine was moaning about paying £3K to insure her son, but within a month he'd hit a parked BMW very hard, and the tp claim is £25K. So it turns out the £3K was ridiculously low!
If all the quotes you are getting are ridiculous, then maybe they are not ridiculous, perhaps they are right.
A friend of mine was moaning about paying £3K to insure her son, but within a month he'd hit a parked BMW very hard, and the tp claim is £25K. So it turns out the £3K was ridiculously low!
Who me said:
Blue- have you added oldies to his policy .My daughter has 9 years driving and same in NCB, but adding me drops the quotes by at least £100 .Additional bonus is she gets her car parked for nothing when she goes on holiday from East Midlands airport .
Added both me and the Mrs, we are late 40's with long driving records. I have 3 points and one own fault. Mrs is clean. We have 3 other cars and live in a quiet village. Edited by blueg33 on Sunday 22 December 09:23
blueg33 said:
My son's test was on wedneday. He is 18. Best quote I got was £1300 with no black box, £1200 with a blackbox. He was main driver, my wife and I named drivers. Car is a Skoda Fabia 1.4 100bhp.
I got this price by comparing meerkats. My own insurer was £2400
That is pretty good. My wife has both our kids (and me) as named drivers on a 2001 mini cooper (1.6 115 bhp) and it was an additional £1800. One is 17 and just passed test and the other 20 and past at 17. I got this price by comparing meerkats. My own insurer was £2400
OP, genuine question borne of genuine interest (although it will read like I'm being a cock)...
If your daughter is driving "very limited milage" during the week and "to work" at the weekends, why has she bothered to learn at all? By the time you've bought her a car, taxed it, insured it, serviced it etc etc, you'll be £5000 down for the sake of not very many miles at all.
I learnt to drive because I lived in the middle of nowhere and I was sick of walking the few miles down the A3 at 0500 to get to work.
Is it just an automatic thing these days, get to 17 and learn to drive?
Simon.
If your daughter is driving "very limited milage" during the week and "to work" at the weekends, why has she bothered to learn at all? By the time you've bought her a car, taxed it, insured it, serviced it etc etc, you'll be £5000 down for the sake of not very many miles at all.
I learnt to drive because I lived in the middle of nowhere and I was sick of walking the few miles down the A3 at 0500 to get to work.
Is it just an automatic thing these days, get to 17 and learn to drive?
Simon.
Can I put in a good word for spy boxes, if you get the right one then they can be pretty easy to live with. I complained about mine (coop) to start with, but actually have found it mainly penalises for transmission jolts and braking while cornering- in other words doing anything that badly unbalances the car. Since eliminating those from my driving, I've not had any 'ratings anxiety' but I don't hang about either. If she will regularly drive between 11pm-6am then it's not a good idea, but being designated driver once a fortnight or so won't hurt
ETA: strongly agree with Buff Mchugelarge
ETA: strongly agree with Buff Mchugelarge
Edited by naw on Sunday 22 December 08:41
ferrariF50lover said:
OP, genuine question borne of genuine interest (although it will read like I'm being a cock)...
If your daughter is driving "very limited milage" during the week and "to work" at the weekends, why has she bothered to learn at all? By the time you've bought her a car, taxed it, insured it, serviced it etc etc, you'll be £5000 down for the sake of not very many miles at all.
I learnt to drive because I lived in the middle of nowhere and I was sick of walking the few miles down the A3 at 0500 to get to work.
Is it just an automatic thing these days, get to 17 and learn to drive?
Simon.
My mother explained this to be some 30 years ago. If you can drive, you'll be able to get a job anywhere. The sooner we get it out of the way the better, because you don't want to be learning at 30. If your daughter is driving "very limited milage" during the week and "to work" at the weekends, why has she bothered to learn at all? By the time you've bought her a car, taxed it, insured it, serviced it etc etc, you'll be £5000 down for the sake of not very many miles at all.
I learnt to drive because I lived in the middle of nowhere and I was sick of walking the few miles down the A3 at 0500 to get to work.
Is it just an automatic thing these days, get to 17 and learn to drive?
Simon.
And it's true. Over the years I've met only 10 or so adults who couldn't drive, and the options in life were impacted by that fact.
ferrariF50lover said:
OP, genuine question borne of genuine interest (although it will read like I'm being a cock)...
If your daughter is driving "very limited milage" during the week and "to work" at the weekends, why has she bothered to learn at all? By the time you've bought her a car, taxed it, insured it, serviced it etc etc, you'll be £5000 down for the sake of not very many miles at all.
I learnt to drive because I lived in the middle of nowhere and I was sick of walking the few miles down the A3 at 0500 to get to work.
Is it just an automatic thing these days, get to 17 and learn to drive?
Simon.
From seeing friends who left learning to drive until they were older, they seemed to find it harder to pass than those who do the test as soon as they can.If your daughter is driving "very limited milage" during the week and "to work" at the weekends, why has she bothered to learn at all? By the time you've bought her a car, taxed it, insured it, serviced it etc etc, you'll be £5000 down for the sake of not very many miles at all.
I learnt to drive because I lived in the middle of nowhere and I was sick of walking the few miles down the A3 at 0500 to get to work.
Is it just an automatic thing these days, get to 17 and learn to drive?
Simon.
Drive-like-a-girl. They're brilliant. My girlfriend is with them. She was a new driver and pays about £800 for a 2.0 vw beetle, with her mum as a named driver. Well over half what other companies where quoting. Yes it is a black box deal but it has no restrictions, the price doesn't go up, ever. And after the first 3 months she was rewarded with around £100 refund because of her not driving like an idiot (could have been up to £330 refund!). The amount you get refunded depends on the way you drive and the times of the day you drive, etc. I guess working silly hours and finishing in the early hours of the morning probably doesn't look good on her which has effected the amount refunded.
They also call the emergency services, and herself, if the black box detects an accident.
Really good guys to deal with, changed the black box to another car with no charge (she had a 1.6 golf when the policy was first taken out, for about £750. Only cost £50 extra to swap to the beetle. No admin fees, no extra installation fees).
I really am impressed with them and wouldn't hesitate to use them myself, if only they changed their name!
They also call the emergency services, and herself, if the black box detects an accident.
Really good guys to deal with, changed the black box to another car with no charge (she had a 1.6 golf when the policy was first taken out, for about £750. Only cost £50 extra to swap to the beetle. No admin fees, no extra installation fees).
I really am impressed with them and wouldn't hesitate to use them myself, if only they changed their name!
Buff Mchugelarge said:
Ding ding!! Daft question alert!
Of course 95% of 17 year olds want to drive. It's part of growing up, the freedom it gives you. The pointless driving around just because you can. It mostly has nothing to do with just getting to work
Have you always struggled with English comprehension, or was it caused by an accident?Of course 95% of 17 year olds want to drive. It's part of growing up, the freedom it gives you. The pointless driving around just because you can. It mostly has nothing to do with just getting to work
Simon.
I suppose the other sensible answers offered are valid enough. It does seem quite a high price to pay for what it is though. If I lived in a city, particularly London, I'm not sure I'd bother with the car.
Edited by ferrariF50lover on Sunday 22 December 17:13
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