Buying & Insuring car for 17yr old provisonal driver !
Discussion
Not sure if this is the right place or not.
About to buy (from family) a car for my son to learn to drive in. In fact he’s about to buy it as it’s his money.
For now I realise the car will have to be insured in my or my wife’s name with him as named (provisional) driver to start with but as he’s not yet 17 so this is so so tricky.
I know I need to collect any day and therefore have to insure the new at least 2 days before he’s 17 (I can’t avoid this). Aim is he has lessons with instructor but practice lessons with me or my wife in between once he’s 17.
Questions are ....
How hard is this !
How do I add him to insurance at 16.9999 years old. I assume I can’t? And will have to get quotes and decide who’s cheapest / best and go alone then add him once 17?
What happens to insurance once (if) he passes? — Does it get lost / forfeited.?
Eg we insure now with him as named driver but once he passes it’s his car. I know / respect he should be prime driver etc so should have insurance in his name and build up no claims.
If so does that mean I lose the years insurance premium paid ? (Quotes approx £400 right now but he could be passing in 3 mth).
Can he / Should he own the car from the outset or not? Even though he’s not 17 when we collect it. Or do I find 7 day insurance from someone or drive it on my 3rd party if I have it ?
I’ve got 3 other cars in the house. All insured separately right now. Is there a smarter way ?(with minimal hassle - it’s nearly Christmas and I can barely deal with buying / collecting / taxing another car on top of everything else !)
If you got this far then thank you ! And Merry Christmas. All feedback welcome!
About to buy (from family) a car for my son to learn to drive in. In fact he’s about to buy it as it’s his money.
For now I realise the car will have to be insured in my or my wife’s name with him as named (provisional) driver to start with but as he’s not yet 17 so this is so so tricky.
I know I need to collect any day and therefore have to insure the new at least 2 days before he’s 17 (I can’t avoid this). Aim is he has lessons with instructor but practice lessons with me or my wife in between once he’s 17.
Questions are ....
How hard is this !
How do I add him to insurance at 16.9999 years old. I assume I can’t? And will have to get quotes and decide who’s cheapest / best and go alone then add him once 17?
What happens to insurance once (if) he passes? — Does it get lost / forfeited.?
Eg we insure now with him as named driver but once he passes it’s his car. I know / respect he should be prime driver etc so should have insurance in his name and build up no claims.
If so does that mean I lose the years insurance premium paid ? (Quotes approx £400 right now but he could be passing in 3 mth).
Can he / Should he own the car from the outset or not? Even though he’s not 17 when we collect it. Or do I find 7 day insurance from someone or drive it on my 3rd party if I have it ?
I’ve got 3 other cars in the house. All insured separately right now. Is there a smarter way ?(with minimal hassle - it’s nearly Christmas and I can barely deal with buying / collecting / taxing another car on top of everything else !)
If you got this far then thank you ! And Merry Christmas. All feedback welcome!
My daughter is 17 and a half and learned to drive this year, so had similar situation
We had bought her a car in my wife's name which she insured a few months before. Daughter not named when turned 17 - No normal insurer will touch......
There are specialist insurance companies online that will add learner driver insurance onto car already insured. She used for extra driving lessons and passed first time. Cost about £75-100 for 2 months i think...
When she passed, we transferred car to daughter with young driver cover we found online from co-op. Wife cancelled her cover...
Cost about £1000 for a 2017 Aygo with Co-op insurance. She had to have black box fitted to monitor driving and she is only one allowed to drive it. Got £125 back for her good driving after 6 months
search for learner driver insurance and young driver cover, and there are a few options.
Check out prices of insurance as some cars have insurance much higher than £1000 if seen as a boy racer car at all....Aygo is not boy racer. Think cars like fiesta and corsa suffer....
We had bought her a car in my wife's name which she insured a few months before. Daughter not named when turned 17 - No normal insurer will touch......
There are specialist insurance companies online that will add learner driver insurance onto car already insured. She used for extra driving lessons and passed first time. Cost about £75-100 for 2 months i think...
When she passed, we transferred car to daughter with young driver cover we found online from co-op. Wife cancelled her cover...
Cost about £1000 for a 2017 Aygo with Co-op insurance. She had to have black box fitted to monitor driving and she is only one allowed to drive it. Got £125 back for her good driving after 6 months
search for learner driver insurance and young driver cover, and there are a few options.
Check out prices of insurance as some cars have insurance much higher than £1000 if seen as a boy racer car at all....Aygo is not boy racer. Think cars like fiesta and corsa suffer....
My daughter passed recently. We insured it in her name from the beginning - was about £300. Me and the wife are named drivers on her policy. I had to pay another £600 when she passed (six months in). You could do the same - just insure it yourself for the first few days until he's 17, then cancel the policy in the 14 day cooling off period.
Hi,
I've been in the same situation as yourself.
Son working and earning from 16. Brought a car before he was 17. The car was registered in his name, but we could not get insurance until he was 17. I insured the car in my name for about 14 days and on his birthday his policy started on his provisional licence, I was a named driver. His no claims did not start until he passed his test, something that he was a little aggrieved about.
He kept the Polo 1.2 for 3.5 years and has just brought a Golf R32. LOL.
I've been in the same situation as yourself.
Son working and earning from 16. Brought a car before he was 17. The car was registered in his name, but we could not get insurance until he was 17. I insured the car in my name for about 14 days and on his birthday his policy started on his provisional licence, I was a named driver. His no claims did not start until he passed his test, something that he was a little aggrieved about.
He kept the Polo 1.2 for 3.5 years and has just brought a Golf R32. LOL.
Thanks for the options..
Temp learner cover was an option I didn’t even know existed.
So. I still need to insure the car for a few days before sons 17th
- I could do as suggested and cancel a policy within cooling off period but I might also be able to drive the sons new ‘to be car’ home under my or wife’s policy (on basis it’s still covered under a full Policy with grandparents for the 1 st week).
Then options look to be
1) He can insure car as provisional with me / wife as named driver
2) We insure it with him as named driver (or buy adhoc cover for learners ) but then cancel this policy when he passes and he then takes out his own once passed.
Is that about it ?
Thanks
Temp learner cover was an option I didn’t even know existed.
So. I still need to insure the car for a few days before sons 17th
- I could do as suggested and cancel a policy within cooling off period but I might also be able to drive the sons new ‘to be car’ home under my or wife’s policy (on basis it’s still covered under a full Policy with grandparents for the 1 st week).
Then options look to be
1) He can insure car as provisional with me / wife as named driver
2) We insure it with him as named driver (or buy adhoc cover for learners ) but then cancel this policy when he passes and he then takes out his own once passed.
Is that about it ?
Thanks
Edited by Converse2020 on Wednesday 12th December 06:47
Absolutely register the car in his name (on his birthday?)
Absolutely insure the car in his name with you and the Good Lady as named drivers.
If it needs to be moved prior to birthday, then as said, use your "any car" policy if its still insured elsewhere. Daily car insurance isn't that expensive if you are dubious about your insurance.
Will comparison sites quote forward, (to insure from birthday) or as he's 16 and a bit, does Computer say No?
Provisional driver insurance used to be fairly reasonable, its when the Test is passed it gets horrendous. On comparison sites, it may be worth fiddling a quote for a new qualified driver, so making sure that the Company who will insure Provisional will also insure a new full licence holder - you don't want to be messing about on his test pass day if the existing insurance won't cover him and you have to get fresh.
With my kids, they bought the car(s) but we insured it for them.
Absolutely insure the car in his name with you and the Good Lady as named drivers.
If it needs to be moved prior to birthday, then as said, use your "any car" policy if its still insured elsewhere. Daily car insurance isn't that expensive if you are dubious about your insurance.
Will comparison sites quote forward, (to insure from birthday) or as he's 16 and a bit, does Computer say No?
Provisional driver insurance used to be fairly reasonable, its when the Test is passed it gets horrendous. On comparison sites, it may be worth fiddling a quote for a new qualified driver, so making sure that the Company who will insure Provisional will also insure a new full licence holder - you don't want to be messing about on his test pass day if the existing insurance won't cover him and you have to get fresh.
With my kids, they bought the car(s) but we insured it for them.
You could cancel insurance within 14 days, subject to the terms they give.
So if you choose can insurer with terms that are favourable to cancellation (full pro rata refund, no eyewatering admin charges for doing so), even if they are more expensive, insure the car with them just in your name for a few days, then cancel it and reinsure with your "actual" insurer.
May actually come out cheaper than temporary cover.
So if you choose can insurer with terms that are favourable to cancellation (full pro rata refund, no eyewatering admin charges for doing so), even if they are more expensive, insure the car with them just in your name for a few days, then cancel it and reinsure with your "actual" insurer.
May actually come out cheaper than temporary cover.
Gassing Station | Car Buying | Top of Page | What's New | My Stuff