Insuring Your Children - Own Car, Wife's etc
Discussion
Daughter is 16 so I'm looking into car insurance options
A quick look suggests it's a reasonable £400 to insure her while she's learning but £3500 once she's passed - on her own car 1.2 Fiesta etc
Wife currently has an SUV and an SLK so neither is ideal for learning - I'm on a Trade policy so can't add her to that
The other option is to get my wife to downgrade to a smaller hatchback or add one so she has 3 cars
I'm aware of fronting - my understanding is that as long as we use the car more than she does, it's not fronting and she'll only use it at weekends
Any other options or things to be aware of ?
A quick look suggests it's a reasonable £400 to insure her while she's learning but £3500 once she's passed - on her own car 1.2 Fiesta etc
Wife currently has an SUV and an SLK so neither is ideal for learning - I'm on a Trade policy so can't add her to that
The other option is to get my wife to downgrade to a smaller hatchback or add one so she has 3 cars
I'm aware of fronting - my understanding is that as long as we use the car more than she does, it's not fronting and she'll only use it at weekends
Any other options or things to be aware of ?
Have you looked at marmalade insurance?
When my daughter was learning to drive I took out a policy in her name. It was her insurance but it sat on top of your existing policy so your no claims etc is protected, from memory the conditions were that you had to have an existing policy in place for yourself and still had to be the main driver.
When my daughter was learning to drive I took out a policy in her name. It was her insurance but it sat on top of your existing policy so your no claims etc is protected, from memory the conditions were that you had to have an existing policy in place for yourself and still had to be the main driver.
With our 3 children it was about getting them to their first years successful earning of NCB.
As you say the price as a learner then goes up substantially when they pass but no surprise there.
With all 3 we went with Admiral as they gave the 1 year NCB irrespective of when they passed their tests.
No requirement for a black box.
Having us both as Named Drivers ( each policy was in their name ) and restricting mileage to ( from memory ) 5000 also helped reduced the premiums.
As you say the price as a learner then goes up substantially when they pass but no surprise there.
With all 3 we went with Admiral as they gave the 1 year NCB irrespective of when they passed their tests.
No requirement for a black box.
Having us both as Named Drivers ( each policy was in their name ) and restricting mileage to ( from memory ) 5000 also helped reduced the premiums.
SteveMc1972 said:
Have you looked at marmalade insurance?
When my daughter was learning to drive I took out a policy in her name. It was her insurance but it sat on top of your existing policy so your no claims etc is protected, from memory the conditions were that you had to have an existing policy in place for yourself and still had to be the main driver.
Thanks - never heard of them before - just ran a quote and if they accept my Trade Policy as cover, then to add her onto my Swift Sport only costs £158 for 3 months which seems reasonableWhen my daughter was learning to drive I took out a policy in her name. It was her insurance but it sat on top of your existing policy so your no claims etc is protected, from memory the conditions were that you had to have an existing policy in place for yourself and still had to be the main driver.
alscar said:
With our 3 children it was about getting them to their first years successful earning of NCB.
As you say the price as a learner then goes up substantially when they pass but no surprise there.
With all 3 we went with Admiral as they gave the 1 year NCB irrespective of when they passed their tests.
No requirement for a black box.
Having us both as Named Drivers ( each policy was in their name ) and restricting mileage to ( from memory ) 5000 also helped reduced the premiums.
You mean you took out their Provisional insurance with Admiral ?As you say the price as a learner then goes up substantially when they pass but no surprise there.
With all 3 we went with Admiral as they gave the 1 year NCB irrespective of when they passed their tests.
No requirement for a black box.
Having us both as Named Drivers ( each policy was in their name ) and restricting mileage to ( from memory ) 5000 also helped reduced the premiums.
Similar to Marmalade…….. https://www.collingwood.co.uk/learner-driver-insur...
Seems like a complete lottery.
Mine is a learner from the COVID generation, so I taught her myself. I went with veygo, who seemed pretty cheap.
She passed and now has her own insurance. £1500 with no black box. Car is a 1.0 turbo Picanto with 100bhp, so not the most insurance friendly starter car.
Mine is a learner from the COVID generation, so I taught her myself. I went with veygo, who seemed pretty cheap.
She passed and now has her own insurance. £1500 with no black box. Car is a 1.0 turbo Picanto with 100bhp, so not the most insurance friendly starter car.
Zero Fuchs said:
Seems like a complete lottery.
Mine is a learner from the COVID generation, so I taught her myself. I went with veygo, who seemed pretty cheap.
She passed and now has her own insurance. £1500 with no black box. Car is a 1.0 turbo Picanto with 100bhp, so not the most insurance friendly starter car.
£1500 - that's never for a 17 yr old without any ncbMine is a learner from the COVID generation, so I taught her myself. I went with veygo, who seemed pretty cheap.
She passed and now has her own insurance. £1500 with no black box. Car is a 1.0 turbo Picanto with 100bhp, so not the most insurance friendly starter car.
KTMsm said:
£1500 - that's never for a 17 yr old without any ncb
Agreed!My son passed his test last week. Insurance on his 0.9l 90bhp Clio (worth about £8k) is £2700 via Sterling/Flux with black box.
Edit. For comparison, Admiral quote is £3600
Edited by FWIW on Monday 1st January 14:29
Zero Fuchs said:
Yeah, not 17 but 18 with no NCB.
Like I said, COVID learner so a year behind. Not sure if a year should make that much difference though.
There are so many variables that effect the price of car insurance, If I lived on the next street my policy doubles in price. Like I said, COVID learner so a year behind. Not sure if a year should make that much difference though.
One 17 year old might pay £500, another might pay £15000, there's not much point in comparing yourself to others.
broadspeed1 said:
Zero Fuchs said:
Yeah, not 17 but 18 with no NCB.
Like I said, COVID learner so a year behind. Not sure if a year should make that much difference though.
There are so many variables that effect the price of car insurance, If I lived on the next street my policy doubles in price. Like I said, COVID learner so a year behind. Not sure if a year should make that much difference though.
One 17 year old might pay £500, another might pay £15000, there's not much point in comparing yourself to others.
People pay too attention to engine sizes when it come to insurance, but it’s all about the car model and how many claims are on that car, after spending MANY hours on insurance sites as a teen, my first car was a 1.8 306 XSi as it was far cheaper to insure than a run of the mill 1.0l Corsa, hell I got my first MK4 Supra at 19 as it was only £1300 to insure
alscar said:
With our 3 children it was about getting them to their first years successful earning of NCB.
As you say the price as a learner then goes up substantially when they pass but no surprise there.
With all 3 we went with Admiral as they gave the 1 year NCB irrespective of when they passed their tests.
No requirement for a black box.
Having us both as Named Drivers ( each policy was in their name ) and restricting mileage to ( from memory ) 5000 also helped reduced the premiums.
Exactly what we did. Use Admiral Multicar - any combination of owners & users & vehicles we have had was cheaper with both learners and 'just passed'. And two of them immediately had NCB to put towards their own car - if the first year was with Admiral....My eldest got insurance at age 19 on a Transit home converted camper with European cover for months. All other insurers =over £1800, Admiral £750...As you say the price as a learner then goes up substantially when they pass but no surprise there.
With all 3 we went with Admiral as they gave the 1 year NCB irrespective of when they passed their tests.
No requirement for a black box.
Having us both as Named Drivers ( each policy was in their name ) and restricting mileage to ( from memory ) 5000 also helped reduced the premiums.
And we deliberately have a small engine, cheap insurance group 'granny car' - Ibiza estate 1.4 16v with 85 throbbing horses.
Mid 2024 we will change it up, by which time we will have only one at home and he will be a year passes test.
KTMsm said:
SteveMc1972 said:
Have you looked at marmalade insurance?
When my daughter was learning to drive I took out a policy in her name. It was her insurance but it sat on top of your existing policy so your no claims etc is protected, from memory the conditions were that you had to have an existing policy in place for yourself and still had to be the main driver.
Thanks - never heard of them before - just ran a quote and if they accept my Trade Policy as cover, then to add her onto my Swift Sport only costs £158 for 3 months which seems reasonableWhen my daughter was learning to drive I took out a policy in her name. It was her insurance but it sat on top of your existing policy so your no claims etc is protected, from memory the conditions were that you had to have an existing policy in place for yourself and still had to be the main driver.
Unfortunately, it turned out there is a three month queue for driving tests, so I've just had to stump up for another six weeks to get her up to the date of her test. Should have got a six month policy from the start.
POIDH said:
Exactly what we did. Use Admiral Multicar - any combination of owners & users & vehicles we have had was cheaper with both learners and 'just passed'. And two of them immediately had NCB to put towards their own car - if the first year was with Admiral....My eldest got insurance at age 19 on a Transit home converted camper with European cover for months. All other insurers =over £1800, Admiral £750...
And we deliberately have a small engine, cheap insurance group 'granny car' - Ibiza estate 1.4 16v with 85 throbbing horses.
Mid 2024 we will change it up, by which time we will have only one at home and he will be a year passes test.
I'll have a look into that tooAnd we deliberately have a small engine, cheap insurance group 'granny car' - Ibiza estate 1.4 16v with 85 throbbing horses.
Mid 2024 we will change it up, by which time we will have only one at home and he will be a year passes test.
Unfortunately my wife has recently insured her cars
Many insurers don't like that I'm motor trade - which is silly because unless it's a huge crash I wouldn't claim as I can fix things cheaply
broadspeed1 said:
There are so many variables that effect the price of car insurance, If I lived on the next street my policy doubles in price.
One 17 year old might pay £500, another might pay £15000, there's not much point in comparing yourself to others.
I disagree, at 17 they are all pretty much the same - no driving history and no claimsOne 17 year old might pay £500, another might pay £15000, there's not much point in comparing yourself to others.
The only variables are the car, their sex and their address
Zero Fuchs said:
Definitely. I think we all get that but £3500 vs £1500 is ridiculous.
That's a tame example, you might have thought I was exaggerating but if you're unlucky and live in the wrong area you're basically uninsurable. I'd have loved to see a quote as cheap as £3500 when I passed my test, I still pay £1200 at 30.
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