MASSIVE Insurance Increase After Passing Your Test
Discussion
My 17 yr old daughter is learning to drive and I found the insurance premiums quite reasonable at £700ish for a 1.4 206.
However a friend's son has just passed and warned me that once he told the insurers he'd passed his insureance increased massively.
TBH it never even occured to me that I should notify the insurers when my daughter passes but I have just checked and her £700 premium goes up to over £2200 !!!
Am I alone in not knowing about this ?
Had I known TBH I wouldn't have got her a car as she's a student and probably going to be for another 4 years.
Any bright ideas for lower premiums I've checked various cars and none seem to be much lower including 998cc Micras etc
However a friend's son has just passed and warned me that once he told the insurers he'd passed his insureance increased massively.
TBH it never even occured to me that I should notify the insurers when my daughter passes but I have just checked and her £700 premium goes up to over £2200 !!!
Am I alone in not knowing about this ?
Had I known TBH I wouldn't have got her a car as she's a student and probably going to be for another 4 years.
Any bright ideas for lower premiums I've checked various cars and none seem to be much lower including 998cc Micras etc
I just assumed that the insurance was for a year, no one is a learner for long hence the cover was for them learning and passing the test.
Similarly if you get points during the year your insurance doesn't go up but it does when you renew.
We are both on her policy as named drivers.
Seeing the minimal fines for no insurance I can understand why many 'choose' the option.
However I think we'll get her to pass the test, then sell the car.
Similarly if you get points during the year your insurance doesn't go up but it does when you renew.
We are both on her policy as named drivers.
Seeing the minimal fines for no insurance I can understand why many 'choose' the option.
However I think we'll get her to pass the test, then sell the car.
McSam said:
redgriff500 said:
I just assumed that the insurance was for a year, no one is a learner for long hence the cover was for them learning and passing the test.
Similarly if you get points during the year your insurance doesn't go up but it does when you renew.
We are both on her policy as named drivers.
Seeing the minimal fines for no insurance I can understand why many 'choose' the option.
However I think we'll get her to pass the test, then sell the car.
The fine is up to five grand and imprisonment is a possibility, as I recall.. Get quotes from elsewhere! I've just ran one with my company, for a girl who turned 17 last month, has held her licence for 0 months, on a W-reg 3-door 1.4 206 LX, doing up to 6,000 miles and leaving it on the street overnight, with my parents as named drivers: £1160 fully comp for a ten-month policy.Similarly if you get points during the year your insurance doesn't go up but it does when you renew.
We are both on her policy as named drivers.
Seeing the minimal fines for no insurance I can understand why many 'choose' the option.
However I think we'll get her to pass the test, then sell the car.
I even tried Tesco who won't quote until shes 18 and even then its £1800
McSam said:
Comparison sites are about as much use as chocolate fire-pokers. http://www.admiral.com/.
Thanks.Managed to get it down to £1320.
They had quoted much higher on the comparison sites.
They are £200 more on her provisional... or is that because some are 'buying' the provisional business as they then screw you when you get your licence.
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