Insurance for a new driver
Discussion
Always best to get a driver onto their own policy asap - start building up the all important first 5yrs NCB.
With regards named drivers, please don't front - you can get into an awful lot of trouble for doing that.
Seriously consider "black box" insurance for the first couple of years.
With regards named drivers, please don't front - you can get into an awful lot of trouble for doing that.
Seriously consider "black box" insurance for the first couple of years.
Stoofa said:
Always best to get a driver onto their own policy asap - start building up the all important first 5yrs NCB.
With regards named drivers, please don't front - you can get into an awful lot of trouble for doing that.
Seriously consider "black box" insurance for the first couple of years.
I had a feeling that the whole named driver thing wasn't the best option - but it's a long time since I learned so wanted to check. With regards named drivers, please don't front - you can get into an awful lot of trouble for doing that.
Seriously consider "black box" insurance for the first couple of years.
Definitely looking at a black box. She's fairly risk-averse anyway so I don't think she'll be at all bothered by that.
Thank you though - sort of confirmed my thinking.
Tesco black box has been good for my daughter.
No driving restrictions, earn bonus miles for good driving, and you can top up the miles in segments if you require.
As above, get the policy in her name, and if you have a couple of adults with decent driving records add them as named drivers, that seems to bring the cost down.
And play around with things like excess/mileages etc, there’s no rhyme or reason as to what figures come back !
Oh and try and get the quotes with as far away from the proposed start date as well, that can sometimes help.
No driving restrictions, earn bonus miles for good driving, and you can top up the miles in segments if you require.
As above, get the policy in her name, and if you have a couple of adults with decent driving records add them as named drivers, that seems to bring the cost down.
And play around with things like excess/mileages etc, there’s no rhyme or reason as to what figures come back !
Oh and try and get the quotes with as far away from the proposed start date as well, that can sometimes help.
As pointed out above, the idea is to make the insurers feel the risk is lessened.
Moving to the Scottish outback helps, rather than living in London. Not including commuting helps, low mileage and agreeing to the black box/dashcam.
But it seems the insurers work within the same very high premium band based on age alone for youngsters so there really is not much that can be done except bite the bullet and pay handsomely for the right to drive.
Another way to help is as I think she/you are doing, save loads in VED duty by getting a 30 quid a year or less in tax car. If it is a 60 mpg car too that claws back some decent money.
Maybe get a zero rated for tax group 1 car and fit LPG
(Just kidding....most insurers add 30 odd quid if you convert to LPG)
Moving to the Scottish outback helps, rather than living in London. Not including commuting helps, low mileage and agreeing to the black box/dashcam.
But it seems the insurers work within the same very high premium band based on age alone for youngsters so there really is not much that can be done except bite the bullet and pay handsomely for the right to drive.
Another way to help is as I think she/you are doing, save loads in VED duty by getting a 30 quid a year or less in tax car. If it is a 60 mpg car too that claws back some decent money.
Maybe get a zero rated for tax group 1 car and fit LPG
(Just kidding....most insurers add 30 odd quid if you convert to LPG)You will find that insuring her as a learner driver will be pretty reasonable cost wise but don't let this fool you, as soon as she passes her test the premium will raise significantly, possibly by thousands so it's sensible to shop for policies both with her as a learner driver and as a newly licenced driver to give yourself an idea of what you're getting into.
Start with confused.com etc but I found Admiral relatively acceptable premium wise for my 3 children.
As others have said don't go the fronting route - both illegal and insurers wise to it.
Premium will increase once test passed but again I found Admiral didn't steal too much from me at that point - getting them to at least 1 year NCB is the bit to aim for.
As others have said don't go the fronting route - both illegal and insurers wise to it.
Premium will increase once test passed but again I found Admiral didn't steal too much from me at that point - getting them to at least 1 year NCB is the bit to aim for.
Collingwood do learner driver insurance which is what we used for my son to drive his own car. Good thing is when he passes they refund the unused months of the policy. It was £300 for him on his own Fiesta.
https://www.collingwood.co.uk/learner-driver-insur...
When he passes he’ll need a new policy and we expect that to he over a grand.
As above, simplest solution is to get your daughter her own insurance policy.
https://www.collingwood.co.uk/learner-driver-insur...
When he passes he’ll need a new policy and we expect that to he over a grand.
As above, simplest solution is to get your daughter her own insurance policy.
My daughter was 17 last June and we bought a Vauxhall Adam 1.2 for her.
It’s registered in my wife’s name and she has her own insurance with me as named driver.
My daughter also has her own insurance on it which is pretty cheap (as one of us has to be with her when she drives it).
If daughter has an accident when driving (as a learner) it’s her insurance that takes the hit - not my wife’s.
When daughter passes her test (hopefully next week), the car will stay registered to my wife but my daughter will have her own very expensive insurance and will be classed as the main driver with me and the wife as named drivers.
It’s registered in my wife’s name and she has her own insurance with me as named driver.
My daughter also has her own insurance on it which is pretty cheap (as one of us has to be with her when she drives it).
If daughter has an accident when driving (as a learner) it’s her insurance that takes the hit - not my wife’s.
When daughter passes her test (hopefully next week), the car will stay registered to my wife but my daughter will have her own very expensive insurance and will be classed as the main driver with me and the wife as named drivers.
[quote=Who me ?]MS- I've always told my kids to add me as a driver on their cars. Don't know why , i don't even have to be in car, but it's always lopped a wedge of the premium.
[/quote]
There can be a number of factors, when my partner passed her test, adding her as a named drive to my policy reduced my premium - even though she had bugger all experience and would be driving my Discovery! Bonkers.
[/quote]
There can be a number of factors, when my partner passed her test, adding her as a named drive to my policy reduced my premium - even though she had bugger all experience and would be driving my Discovery! Bonkers.
One note of caution re: black boxes is that, as I understand it, some companies keep note of any 'transgressions' and then load future premiums, even without a black box.
Or, if you're Carrot insurance, cancel a policy because it thinks you're driving while you're sitting on the sofa at home.
Or, if you're Carrot insurance, cancel a policy because it thinks you're driving while you're sitting on the sofa at home.
Went through this over Xmas when my daughter turned 17.
As others have said - try different cars, add yourself/wife as named drivers. For us it came out cheaper to have a policy with no black box weirdly. While she’s learning it was roughly £300. When she passes her test it’s approx £1200. But as on a multi-car policy, she’ll have earnt 1 years no claim by June when our policy renews.
Not that I enjoy taking the powder blue fiat 500 (nicknamed `Fifi) out at every opportunity .....
As others have said - try different cars, add yourself/wife as named drivers. For us it came out cheaper to have a policy with no black box weirdly. While she’s learning it was roughly £300. When she passes her test it’s approx £1200. But as on a multi-car policy, she’ll have earnt 1 years no claim by June when our policy renews.
Not that I enjoy taking the powder blue fiat 500 (nicknamed `Fifi) out at every opportunity .....
seyre1972 said:
Went through this over Xmas when my daughter turned 17.
As others have said - try different cars, add yourself/wife as named drivers. For us it came out cheaper to have a policy with no black box weirdly. While she’s learning it was roughly £300. When she passes her test it’s approx £1200. But as on a multi-car policy, she’ll have earnt 1 years no claim by June when our policy renews.
Not that I enjoy taking the powder blue fiat 500 (nicknamed `Fifi) out at every opportunity .....
Just be careful that the one year no claims earned is recognised by other insurers, as she will lose it if she swaps as they will say it’s not a full year.As others have said - try different cars, add yourself/wife as named drivers. For us it came out cheaper to have a policy with no black box weirdly. While she’s learning it was roughly £300. When she passes her test it’s approx £1200. But as on a multi-car policy, she’ll have earnt 1 years no claim by June when our policy renews.
Not that I enjoy taking the powder blue fiat 500 (nicknamed `Fifi) out at every opportunity .....
Admiral do a ten month policy (intrusive black box), which comes with 1 years no claims at end of term. Worth knowing. My son has his own insurance on a Twingo that I own. Year 1 was as a learner before passing test, which, as I'd shopped around didn't increase (Direct Line - terrible black box). Year 2 they wanted even more premium, even though 1 years no claims had accrued. Went with the above Admiral policy for half the Direct Line renewal. Onto year 4 soon and the renewal is just over £300. It makes quite a difference to use the actual mileage the car will be driven rather than 'average'.
Putting my daughter, currently a Learner, onto this policy as soon as she passes her theory, so expecting it to increase greatly.
Putting my daughter, currently a Learner, onto this policy as soon as she passes her theory, so expecting it to increase greatly.
chopper602 said:
Admiral do a ten month policy (intrusive black box), which comes with 1 years no claims at end of term. Worth knowing..
Be very careful with this trap, my daughter did the 10months bonus accelerator with a supposed 1 year NCB at the end. What they don’t tell you is 99% of Ins companies don’t recognise the 10month policies NCB. My daughter had to shop around and start again ! Regards
Fb
fastbikes76 said:
chopper602 said:
Admiral do a ten month policy (intrusive black box), which comes with 1 years no claims at end of term. Worth knowing..
Be very careful with this trap, my daughter did the 10months bonus accelerator with a supposed 1 year NCB at the end. What they don’t tell you is 99% of Ins companies don’t recognise the 10month policies NCB. My daughter had to shop around and start again ! Regards
Fb
There’s also some policies that morph into full license ones from provisional ones that have the same trap.
Jamescrs said:
You will find that insuring her as a learner driver will be pretty reasonable cost wise but don't let this fool you, as soon as she passes her test the premium will raise significantly, possibly by thousands so it's sensible to shop for policies both with her as a learner driver and as a newly licenced driver to give yourself an idea of what you're getting into.
This ^ Went through this 3 years ago. Look at the cheapest to insure cars (we ended up with a 1 litre i10), then add both both parents as named drivers to the policy.
Edited by Somebody on Tuesday 17th March 13:57
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