I couldn't find a suitable forum to ask this on Briskoda so felt this was the only place ... no problem if mods want to move to a better section.

 

Basically my 17year old passed today but ive been quoted 320 to add her to the existing policy for our 2009 fiesta til the end of may.

 

Is it possible to have her own policy as well as our existing one as she can get her own for £750 a year with a black box. I wasn't sure if 2 people could insure the same car .

 

Any thoughts / suggestions ?

 

Thanks

You can, I'd say one policy for the one car. Don't have two running at the same time. Anything happens, you'll open a can of worms if you need to claim on either policy.

 

2009 and my first car was my nan's old 1995 Fiesta 1.1 3dr. Just over £2400 for a policy on own. It wasn't any cheaper when my dad looked at having the car put in his name on the logbook, him as the primary insured and me named.

 

I'd avoid like the plague anything with a driver monitor / scoring system. The black box doesn't know what's going on. It can score you down for normal driving like accelerating hard up a slip road to get up to speed (our works van ping whenever the revs go above 2k?!?!) and it doesn't know you've just slammed on because a kid has just ran out into the road. It just sees you've decelerated sharply and scores you down.

 

It may be worth just waiting until May (which I understand will go down like a lead balloon) and just add them on as a named driver at the time of renewal. That way, you can do a thorough search on comparison sites and not have to pay any admin fees. Once she's got at least a years no claims under her belt and certainly no points in the first two years, the premium will drop a fair bit.

 

Insurance. One of those necessary evils.

20 hours ago, tunedude said:

I'd avoid like the plague anything with a driver monitor / scoring system. The black box doesn't know what's going on. It can score you down for normal driving like accelerating hard up a slip road to get up to speed (our works van ping whenever the revs go above 2k?!?!) and it doesn't know you've just slammed on because a kid has just ran out into the road. It just sees you've decelerated sharply and scores you down.

For me this is a fundamental flaw with 'black box' insurance schemes - in cases like this they penalise you for avoiding an accident where you would be the innocent party.

They sound great, but I know they're not all they're cracked up to be because a lad I know got one when they were first coming out because he just couldn't get an affordable quote anywhere. Then he started finding the drawbacks, one of which being he was getting charged a 'fine' if you like because he was coming home after finishing work late at night. Too long ago to recall all the details, but basically to avoid any 'fines' he had to have his car parked at his house between of like 0800 and 2000. It was deemed risky for him afterhours. Wasn't as if he was doing doughnuts in his 1lt Micra, he was coming home from working in the Tesco after uni.

Hi.

Please feel free to give us a try for insurance if you wish.

Regards,

Dan.