Insurance for New Learner / Recently passed

[omegac]

My daughter will be taking her driving test in late June and the free insurance we had on the car we bought her last year ends in a couple of weeks. My wife and I used the free insurance and I covered her monthly on a Marmalade policy as she wasn't 17 until last December.

Initially I am planning on getting a policy in her name as a learner with my wife and I as named drivers, then I'll obviously inform the insurers when she passes, which will add another few hundred to the premium.

At the moment the cheapest I can find is around £950 for her as a learner, then going to either £1840/£1666/£1447 depending on a £250/£500/£1000 excess.

The car is a 2013 Toyota Aygo 1.0l.

Has anyone else done similar recently and had any better prices? I'm looking at Diamond Insurance unless anyone can suggest better.

Thanks

[TVR1]

So. Sounds like a fair couple of quotes. Unfortunately the reality is that she will probably have a couple of bingles before she works out that there is a cost attached. Personally, go for the slightly higher premium and lower excess. Statistically, she will make a claim. It's you that's paying the excess. Not a question.

Try Elephant too. But be aware that they are the Easyjet/Ryanair of motor insurance. Follow their rules and don't try and be clever and they are a good insurance company.

Edited by TVR1 on Sunday 18th May 14:01

[omegac]

It's me that pays for everything stupid kids and their education

[TwigtheWonderkid]

omegac said:

At the moment the cheapest I can find is around £950 for her as a learner, then going to either £1840/£1666/£1447 depending on a £250/£500/£1000 excess.

You must live in the Outer Hebrides. Under £1500 as a newly passed driver...I'd bite their arm off.

[Fatrat]

My son is learning to drive and we are about to lease a car for him and the cheapest I have found is iKube. No change in premium when he passes his test

[ally3601]

TwigtheWonderkid said:

You must live in the Outer Hebrides. Under £1500 as a newly passed driver...I'd bite their arm off.

I live just outside Edinburgh and my insurance is £1600 on an 06 plate Peugeot 107, anything under 2 grand is good

[omegac]

Thank you folks, reassuring to know so many of you think it is a reasonable price...

Now...anyone tell me how to cope with the sleepless nights when she is out on her own

[omegac]

Thank you folks, reassuring to know so many of you think it is a reasonable price...

Now...anyone tell me how to cope with the sleepless nights when she is out on her own

[Biker 1]

My daughter passed her test last September at 17. She got Tesco Black Box insurance at £1200, including me & the missus as named drivers. Car was a 2004 Ford Ka. Location is low crime, small village in SE England. Excess was £1000 with 6K mile limit pa. Sadly she wrote off the car since & as excess was more than car's value, we had to cancel.....
Oh, & the sleepless nights: I've aged considerably!!!!

[B3ALP]

my lad is 17 in a few weeks

£700 ish for a 1.0 and 1.4 Polo while learning

When Passed
1.0 10,000 miles fully comp Tesco with box no restriction on use
monitors mileage only £1,221 or 1.4 £1,450

Privilege, No Box as above 1.0 £1,776 1.4 £1,712

£500 excess

[omegac]

B3ALP said:

When Passed
1.0 10,000 miles fully comp Tesco with box no restriction on use
monitors mileage only £1,221 or 1.4 £1,450

That's interesting, about £300 less than I've been quoted this morning for the 1L, what is the excess on that?

[B3ALP]

omegac said:

That's interesting, about £300 less than I've been quoted this morning for the 1L, what is the excess on that?

£500

[Biker 1]

omegac said:

That's interesting, about £300 less than I've been quoted this morning for the 1L, what is the excess on that?

Just to add that Tesco customer services were actually quite good! Oh, & when my daughter crashed, the accelerometer activated their call centre & someone called her mobile to see if she was OK. Not a bad set up, but unfortunately we never got to find out what the renewal would be like....

[gizlaroc]

In the end we decided to sell my wifes car and she went as a named driver on my daughters car. We discussed this with the insurer and expressed our concerns regarding fronting etc. but we said that my daughter drives maybe 3 nights a week no more than 10 miles and my wife uses it daily.
They were fine with that, and we all agreed spending thousands to try and build up her NCB was a waste of time.

It was £1180 for her learning and jumped to £2100 when she passed, as a name driver with my wife as the main driver it was £700.
They said that it would not be until she was 21 that we would see any noticeable drop in premium, maybe down to £1500 when she was 20, but then it would be be down to around a grand when she hit 21, maybe considerably less.
Say if it is £800, she would have built up 3 years NCB so would be paying £560.

Doing the maths it simply makes no sense to try and buy some NCB, paying maybe £5000 extra over 3 years to save £250 when 21.

Edited by gizlaroc on Monday 19th May 12:00

[omegac]

Unfortunately my daughter will be using it as the main driver for the next year to get to school, then Uni after that so we need to show her as the main driver.

[gizlaroc]

omegac said:

Unfortunately my daughter will be using it as the main driver for the next year to get to school, then Uni after that so we need to show her as the main driver.

Yeah that makes a difference, my daughter when to Trinity Laban in Greenwich where she hasn't even bothered taking the car.

[J4CKO]

My eldest passed a few months back and is borrowing our C1, my wife is the main driver and he has occasional access to it, It worked out about £70 a month when he was learning, just renewed the other day and it was £634 for the year with LVE, but I did put my full NCD onto this car when I got my 944 on a classic policy (NCD not applicable) so I guess that is why it is pretty reasonable. I had to start from zero NCD on my 350Z (classic policy not possible as you would expect) and it cost £300 which is pretty good.

Just hope eldest behaves, he seems to treat it sensibly and is fully aware if he cocks up, its game over. Hopefully he can get his own car at some point and start earnign some NCD himself but given he has no income, thats a way off.

[16v stretch]

In 2007/2008 I paid £1400 as a learner, £2800 once I'd passed. This was tpft, with my parents added as named drivers. Car was a 1.3 Fiesta worth about a grand.

It's always going to be expensive. 17 year olds are invincible.

[B3ALP]

gizlaroc said:

In the end we decided to sell my wifes car and she went as a named driver on my daughters car. We discussed this with the insurer and expressed our concerns regarding fronting etc. but we said that my daughter drives maybe 3 nights a week no more than 10 miles and my wife uses it daily.
They were fine with that, and we all agreed spending thousands to try and build up her NCB was a waste of time.

It was £1180 for her learning and jumped to £2100 when she passed, as a name driver with my wife as the main driver it was £700.
They said that it would not be until she was 21 that we would see any noticeable drop in premium, maybe down to £1500 when she was 20, but then it would be be down to around a grand when she hit 21, maybe considerably less.
Say if it is £800, she would have built up 3 years NCB so would be paying £560.


Doing the maths it simply makes no sense to try and buy some NCB, paying maybe £5000 extra over 3 years to save £250 when 21.

Edited by gizlaroc on Monday 19th May 12:00

Wow some big premiums there my Daughter had an Audi TT at 21 and only paid £850 and is now paying £550 at 24

By the way all the examples I have given are fully comp in their own name.

Edited by B3ALP on Monday 19th May 12:17

[SnailTrail]

My insurance was £2,200, with a £700 excess in my first year of driving at 17yo. That was with me listed as the main driver and both parents listed as named drivers. On a 2006 1.2 Corsa, which I paid £1,200 for. Consider your quotes very cheap.