17 year old learner, best way to insure ?
Discussion
Im buying my Son a car as he's starting driving lessons in a few weeks. The car will be registered in his name. Just wondering how the insurance should work ? Do I insure it in my name with him as a learner on the policy , then when he passes his test cancel my insurance and he gets his own ? Or is it possible for a learner to have their own insurance and for me to be a named driver ?
I do plan to use the car myself from time to time so I need to be on the insurance for commuting.
I do plan to use the car myself from time to time so I need to be on the insurance for commuting.
Hi there Im 17
I passed in November and when I was leaening I had the policy in my own name and had my dad as a named driver that way he could drive it aswell! It all depends who you go with aswell! For 6 months of learning I paid about 280 pound for my insurance as I payed it monthly which I saw was the best way because the the fee they ask for when your son passes is ridiculous! I currently have my own policy when i passed but for £1600 after searching 3 hours for the best price it certainly is not worth the price! You can also do multi car insurance which is going on your policy when he passed it is cheaper but puts your no claims in risk as if he crashes it counts towards yours! Not sure if this was any help but that was my experience with jt!
I passed in November and when I was leaening I had the policy in my own name and had my dad as a named driver that way he could drive it aswell! It all depends who you go with aswell! For 6 months of learning I paid about 280 pound for my insurance as I payed it monthly which I saw was the best way because the the fee they ask for when your son passes is ridiculous! I currently have my own policy when i passed but for £1600 after searching 3 hours for the best price it certainly is not worth the price! You can also do multi car insurance which is going on your policy when he passed it is cheaper but puts your no claims in risk as if he crashes it counts towards yours! Not sure if this was any help but that was my experience with jt!
GJrah said:
Hi there Im 17
I passed in November and when I was leaening I had the policy in my own name and had my dad as a named driver that way he could drive it aswell! It all depends who you go with aswell! For 6 months of learning I paid about 280 pound for my insurance as I payed it monthly which I saw was the best way because the the fee they ask for when your son passes is ridiculous! I currently have my own policy when i passed but for £1600 after searching 3 hours for the best price it certainly is not worth the price! You can also do multi car insurance which is going on your policy when he passed it is cheaper but puts your no claims in risk as if he crashes it counts towards yours! Not sure if this was any help but that was my experience with jt!
Not right unfortunately, multicar policies allow for multiple cars to be added to one policy but in the event of a claim each vehicle is treated individually and won't affect the NCB of other cars on the policy.I passed in November and when I was leaening I had the policy in my own name and had my dad as a named driver that way he could drive it aswell! It all depends who you go with aswell! For 6 months of learning I paid about 280 pound for my insurance as I payed it monthly which I saw was the best way because the the fee they ask for when your son passes is ridiculous! I currently have my own policy when i passed but for £1600 after searching 3 hours for the best price it certainly is not worth the price! You can also do multi car insurance which is going on your policy when he passed it is cheaper but puts your no claims in risk as if he crashes it counts towards yours! Not sure if this was any help but that was my experience with jt!
Go to a specialist insurance provider for learner drivers like Marmalade. He can be insured to drive your car. Then when he passes his test he either has his own insurance on which he will earn NCB or he goes on your policy.
We insured my 18 year old son in his own group 1 Panda for £1450 in the first year at Direct Line with a black box. He wrote it off after 9 months and we have just taken out a new policy on another Fiat Panda 1.1 for £850 but with £800 excess! Not sure how this works but I guess they have actuarial charts that say he is highly unlikely to have a second write-off.
Direct line were great and paid out a fair amount quickly. As soon as they knew there was no one else involved and no personal injury claims you could hear them relax.
We insured my 18 year old son in his own group 1 Panda for £1450 in the first year at Direct Line with a black box. He wrote it off after 9 months and we have just taken out a new policy on another Fiat Panda 1.1 for £850 but with £800 excess! Not sure how this works but I guess they have actuarial charts that say he is highly unlikely to have a second write-off.
Direct line were great and paid out a fair amount quickly. As soon as they knew there was no one else involved and no personal injury claims you could hear them relax.
I will be using the car more than him until he passes, so maybe I'll register it in my name and have my insurance cover it for me as the main driver and him as a named learner driver. Then when he passes, cancel my policy, change the ownership of the car to him and he can get his own policy. I think this is the best bet as I will be using the car more than him.
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