named driver for 17y old on wifes car

[jgcsteve13]

wifes insurance runs out in a couple of months. sons has just started to learn to drive. current insurance will not insure him. owe £54 left in premiums but they want £50 to cancel now & take out new insurance. so will wait until it runs out.

so big question

who should i ring for a quote . would also like to know what insurance will go up to when he passes ( as some say cannot tell you . am I expected to just pay & then get told an extortionate figure ie £2000 on top so just pay it)

wifes car is 56 plate fabia 1.2 classic

[James I]

I have just been through all this with my son, insurance is a mine field and you have to shop around.

We bought a 1.4 16v Lupo, this was cheaper to insure than the equivalent 1.0, anyway, for Liam to insure it as an 18 year old starting from nothing it was £8K, we spoke to LV and they suggested that the car should be owned by me, and insured by me with Liam as the main driver, this made the premium £1900, still a massive chunk of money but that is what it costs.

I hope you get sorted and suggest you tyr every insurer you can think of and speak to them, don't just use the search websites like gocompare of confused as the best quotes we got did not come from them, they were from LV and Direct Line.

[AndyC]

My 18yo son (still at school) recently learnt to drive. We added him as a named driver to my wifes 07 1.2 Fabia. Premium increased from £22pm to £86pm. He has now passed his test and I phoned the company (Direct Line) expecting a massive premium hike, but they kept him on at the same rate.

Andy

[jgcsteve13]

cheers will do the big ring around

[seboni121]

Son has just passed test and paid for his own insurance , we bought the car arosa 1-0 and insurance was £1,800 black box , he has to start paying his way eventually , if they want a car and drive let the pay

[harryja]

I always found elephant to offer the best quotes and have been very reasonable with business use/alloys etc

Plus they also give you 1 years NCB every 10 months - bonus if you're a young driver

http://www.elephant.co.uk/faq/buying/typePolicy.php

[SkyInsurance]

We have an excellent provisional driver scheme, feel free to get in touch.

Thanks

Ollie

[LGM]

Not been mentioned in here but i would go to Direct Line or any other companies if affordable that do named drivers no claims. So in the long run it will work out better for your son.

[jgcsteve13]

Not been mentioned in here but i would go to Direct Line or any other companies if affordable that do named drivers no claims. So in the long run it will work out better for your son.

will look into that cheers

[LGM]

will look into that cheers

As long as hes on your policy and doesnt have a bump he still gets his own no claims which when he decides to take his own policy out with Direct Line or any others he has his own.

[littleade]

When we did a similar thing with my daughter the premium wasn't too bad while she was learning, but when she passed it was cheaper for her to become the policy holder and have me and SWMBO as named drivers and transfer our other carand have them both on an admiral multicar policy. They wanted £3500 to add our son to the policy when he passed his test so that never happened as he didn't actually need a car. It's a minefield as per above, so best if luck. Most insurance companies just don't want to insure lads under 21. The time the prenium will go into orbit will be when he passes his test. Having his own car/taking a policy out in his name with parents as named drivers with a black box and night time restrictions could be an option to look at then

[SkyInsurance]

Not been mentioned in here but i would go to Direct Line or any other companies if affordable that do named drivers no claims. So in the long run it will work out better for your son.

The trouble with that is, it's usually only the insurers who offer it who recognise it.

[JerryT]

My 18yo son (still at school) recently learnt to drive. We added him as a named driver to my wifes 07 1.2 Fabia. Premium increased from £22pm to £86pm. He has now passed his test and I phoned the company (Direct Line) expecting a massive premium hike, but they kept him on at the same rate.

Andy

This was our experience a couple of years ago with direct line.

In General

Beware comparison site quotes for drivers when they are learning, you may find that although they are cheap as learners, if you keep all the details the same but now say your learner child has passed their test, the premium rockets into the realms of unaffordability for those that look a good deal.

Also we have found with direct line, they will also allow you to insure you child for upto 90 days a year at a pro rata rate. Ideal for when they go off to uni and you know they will not be driving a car. The only down side to this is the bloody admin fee for each period that you put them on. Aviva will do the same for a 120 days a year but for them it is strictly mulitples of 7 days at a time so in the long run (we found) would work out more expensive.

Jerry

[JerryT]

We have an excellent provisional driver scheme, feel free to get in touch.

Thanks

Ollie

But does your excellent scheme remain when they are no longer a provisional driver?

Sorry, its just that experience has taught me that you need to look at the cost as both a learner and when they have passed the test, especially if there is a large penalty involved to cancel the policy.

The trouble with that is, it's usually only the insurers who offer it who recognise it.

True, but if it is a competitive deal, both as a named driver and when wanting a policy in their own rights, does it really matter? If the policy offered on accrued NCB from being a named driver is pants, you would go elsewhere surely?

[sparks03]

Shopping around is the only way. I'm uncertain how the companies work out their prices.

I bought a 1993 1.05 Polo for my eldest daughter. Its not worth much more than its scrap value and packs a mighty 45bhp (not that it isn't fun to drive mind) and the quotes we've had are appalling.

I had it insured with Volkswagen Insurance Services prior to it turning 20 (now on classic) and they were extremely reasonable. With just me insured. Adding the eldest to the policy raised it by a little over £7200. Promptly cancelled the policy as soon as I could move it to the same insurers as my Golf (Peter James Classic. Recommended )

Tried the young driver 'specialists' and have found the cheapest quotes around the £3k mark. Put the same details through Comparethemarket and now have a quote at £1150 comprehensive. Which isn't much more than my first 3rd pft when I started out. Not sure how folks work their prices out because the details have all been the same. Just don't understand it (much like James 1 insuring a more powerful car for less! )

Good luck with the seach

[Oli3000]

From my experiences:

Bought a 1991 VW 1.3 Polo in 2007.

Registered to me and insured by me with Parents as named drivers

Was £900 third party when I was learning, raised to £1600 when I passed (which I wasn't expecting). Seems to be a minefield as to whether it will change or not!

After first year I changed to Aviva - dropped to £900 fully comp and I've been with them ever since. At 4 years it's now £350 on a 2003 1.9tdi Fabia.

As far as I'm concerned that's a strong case to be on your own policy throughout and to gain no claims. But I'm not sure if that works for everybody!

P.S. Also Direct Line have always been outrageously expensive for me for reasons I cannot fathom. Even when my parents had two cars and house insurance with them. Nuts.

Edited 26 June, 2013 by Oli3000

[Jigger72]

At 4 years it's now £350 on a 2003 1.9tdi Fabia.

WTF? Whereabouts in London are you? Mayfair? Knightsbridge?

I'm 41 with 10 years NCB and my insurance is nearly double that, albeit with a few mods added

[Titanium_Man]

Not getting a "massive" price reduction when they pass their test is no surprise if you think logically!

Your son or daughter who previously would have had to have you or another experienced driver with them at all times when they are driving, but now they have a full licence and you no longer need to be there. Lets also not forget they are now driving on roads they would previously not been allowed to (EG motorway) and also probably driving at times when they may not have previously (at the dead of night)

They are no more experienced than before they passed their test. Yes they have passed their test, but that doesn't automatically make them a better driver and given the whole premium is based around the risk that you as the customer will make a claim, if you think about it this risk has INCREASED and not decreased.

I would say be thankful the premium doesn't go UP!!

[Oli3000]

I would say be thankful the premium doesn't go UP!!

On a whole it does go up! That's what we were saying!

WTF? Whereabouts in London are you? Mayfair? Knightsbridge?

I'm 41 with 10 years NCB and my insurance is nearly double that, albeit with a few mods added

I work in London, but the car mainly lives in the countryside! London insurance is just nuts!