Temporary Insurance for an 18 year old

[kprm77]

Trying to find if there is a company that will insure my son temporarily on my car. So far all I've found have said no due to his age or the car.

https://www.tempcover.com/ Need licence for over 6 months - Wouldn't insure anyway due to car
https://www.insure4aday.co.uk/quote Need to be 21
https://www.adrianflux.co.uk/ Need to be 21
https://www.dayinsure.com/ unfortunately we are unable to offer insurance for this vehicle
https://www.skyinsurance.co.uk/compare No quote based on car / age
https://www.insuredaily.co.uk/quote Need to be 19

Have also tried the company that insures the car (LV) and they won't insure until he's 21 (or was it 25?)

My son would just be driving portions of two journeys with both parents in the car at all times! Car is a 2013 E250 Merc estate and he's had his full licence for 5 months.

Any other insurance companies that may be worth a go?

[Crusoe]

have you tried your own insurance, see what it would cost to add him as a named driver for a temporary period. Sounds like it is going to cost a lot whichever way you go though.

[marshalla]

Endsleigh ? the NUS seem to recommend them for student insurances so they ought to be able to cope with younger drivers.

[marshalla]

Crusoe said:

have you tried your own insurance, see what it would cost to add him as a named driver for a temporary period. Sounds like it is going to cost a lot whichever way you go though.

kprm77 said:

Have also tried the company that insures the car (LV) and they won't insure until he's 21 (or was it 25?)

[youngsyr]

There's a cooling off period with insurance policies I believe, so you could insure him on his own 12 month policy and then cancel it after the temporary period is up. You would then pay the cancellation fee on top of the pro rata cost of the period covered.

Would likely be very expensive, but if you must have him insured it's probably one way to do it.

[itcaptainslow]

youngsyr said:

There's a cooling off period with insurance policies I believe, so you could insure him on his own 12 month policy and then cancel it after the temporary period is up. You would then pay the cancellation fee on top of the pro rata cost of the period covered.

Would likely be very expensive, but if you must have him insured it's probably one way to do it.

Isn't it illegal to have two insurance policies running on a single vehicle?

[bobfett]

itcaptainslow said:

youngsyr said:

There's a cooling off period with insurance policies I believe, so you could insure him on his own 12 month policy and then cancel it after the temporary period is up. You would then pay the cancellation fee on top of the pro rata cost of the period covered.

Would likely be very expensive, but if you must have him insured it's probably one way to do it.

Isn't it illegal to have two insurance policies running on a single vehicle?

Not sure it's illegal but a while back when I was swapping insurers and I was struggling to remember whether the old insurance ran out at 2359 on Friday or 2359 on Saturday the new insurers got very, very twitchy about it and insisted on being definitively told.

Of course, my situation was slightly different in that the same drivers could have ended up insured on the same car by different companies and then had an accident occurred who should pick up the bill?
Presumably in this case mum and dad will be covered by policy a and son will be covered by policy b so that should sort that issue out.

I have to ask though, is it worth the likely cost for an 18 year old on that sort of car for the sake of parts of two journeys? If it's seriously long distance (european?) stuff why not make an overnight of it somewhere?

Edited by bobfett on Friday 15th August 12:15

[marshalla]

itcaptainslow said:

Isn't it illegal to have two insurance policies running on a single vehicle?

No - just complicated if a claim has to be made, so they often don't like it.

[kprm77]

marshalla said:

Endsleigh ? the NUS seem to recommend them for student insurances so they ought to be able to cope with younger drivers.

Endsleigh links through to Tempcover.com which is one of the one's that won't insure him unfortunately.

Thanks for the responses so far. Don't think he's going to get insured

[youngsyr]

marshalla said:

itcaptainslow said:

Isn't it illegal to have two insurance policies running on a single vehicle?

No - just complicated if a claim has to be made, so they often don't like it.

Certainly not illegal, part of the "day insure" business is temporarily covering new drivers on cars that have existing policies.

I don't see how it could be complicated in this case - either the son is driving and his policy covers him or he isn't and it doesn't.

From memory there are usually terms in the small print of most insurance policies that state that the insurer won't pay out if the claim is covered by another policy, but as above, this doesn't apply here.

[TheInsanity1234]

Have you tried Admiral?

My mum was in the same situation as you when my older sister passed her test, suddenly all the insurance companies seemed to say they couldn't insure anyone below a certain age, so after much traipsing around, we found Admiral, and they were happy to insure my sister on my mum's car.

Phone up for the best deal if you can

[anonymous-user]

Don't forget the 3rd party and injuries aspects of insurance - I have thought you'd be straight into an unholy pissing match of epic proportions over liability if the same vehicle is covered by two policies. I could well be wrong.

One for Loon to give chapter and verse on maybe?

[kprm77]

TheInsanity1234 said:

Have you tried Admiral?

My mum was in the same situation as you when my older sister passed her test, suddenly all the insurance companies seemed to say they couldn't insure anyone below a certain age, so after much traipsing around, we found Admiral, and they were happy to insure my sister on my mum's car.

Phone up for the best deal if you can

Admiral also links through to one of the ones I've tried, so no go there.

Think he'll have to wait a few more years.

I can remember when I was around 18 and didn't want to pay £300 for a 3.0 Capri as I thought it was too much

[TwigtheWonderkid]

charltjr said:

Don't forget the 3rd party and injuries aspects of insurance - I have thought you'd be straight into an unholy pissing match of epic proportions over liability if the same vehicle is covered by two policies. I could well be wrong.

You are wrong. He would only be covered on one of the 2 policies so that policy would pick up any tp claim. It's very simple and companies like Marmalade sell thousands of policies to prov licence holders whilst they are learning on their parents car to save the parents having to add their child on to their own policy.

Nothing unusual in having multiple policies on a single car at all.

[youngsyr]

TwigtheWonderkid said:

You are wrong. He would only be covered on one of the 2 policies so that policy would pick up any tp claim. It's very simple and companies like Marmalade sell thousands of policies to prov licence holders whilst they are learning on their parents car to save the parents having to add their child on to their own policy.

Nothing unusual in having multiple policies on a single car at all.

On reflection, there is one potential conflict that I can imagine: if the son is insured fully comp and the car is stolen/damaged whilst unattended. Assuming the Dad is also fully comp, it could be tricky working out which insurer would pick up the bill.

A possible solution would be to have both policies with the same insurer.

[TwigtheWonderkid]

youngsyr said:

TwigtheWonderkid said:

You are wrong. He would only be covered on one of the 2 policies so that policy would pick up any tp claim. It's very simple and companies like Marmalade sell thousands of policies to prov licence holders whilst they are learning on their parents car to save the parents having to add their child on to their own policy.

Nothing unusual in having multiple policies on a single car at all.

On reflection, there is one potential conflict that I can imagine: if the son is insured fully comp and the car is stolen/damaged whilst unattended. Assuming the Dad is also fully comp, it could be tricky working out which insurer would pick up the bill.

A possible solution would be to have both policies with the same insurer.

Not a problem at all. Who was in charge of the vehicle at the time of the theft? Who had the keys? Or the last person to use it. That would determine which policy paid.

[Bellatrix]

We never found anyone who would offer a reasonable price for this kind of cover . It cost thousands to add our daughter to the insurance , even when it was for very occasional use so it didn't make economic sense to add her then cancel later and be charged for pro rata cover plus the cancellation fees.
It was our intention to use her as an extra driver for a long trip but it was easier and cheaper just to break up the journey and stay in hotels overnight.

[TwigtheWonderkid]

Bellatrix said:

We never found anyone who would offer a reasonable price for this kind of cover . It cost thousands to add our daughter to the insurance ,

Maybe that was reasonable, given the statistical risk posed by young drivers. Could be that what you consider to be reasonable and what is actually reasonable were a long way apart.

[TREMAiNE]

kprm77 said:

Admiral also links through to one of the ones I've tried, so no go there.

Still give them a try.

Elephant and Admiral are sister companies, yet Elephant won't insure me on my cars but Admiral do.

Insurance is odd.

[Ozzie Osmond]

If your own insurer won't touch it I suspect it's "game over".