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Car insurance again.
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alison
Downsizer Moderator


Joined: 29 Oct 2004
Posts: 12907
Location: North Devon
PostPosted: Mon Jan 13, 14 12:32 pm    Post subject: Car insurance again.  Reply with quote    

My eldest is just learning to drive.

We are about to insure a ford focus for him.

Any suggestions about the best way to go around this, and any companies I should be looking at, that are more favourable for 17 year old boy learners.

Hairyloon



Joined: 20 Nov 2008
Posts: 14676
Location: Today I are mostly being in Yorkshire.
PostPosted: Mon Jan 13, 14 12:44 pm    Post subject: Reply with quote    

Perhaps look into one that does a "black box" that monitors the driving...

iaf



Joined: 30 Oct 2010
Posts: 168

PostPosted: Mon Jan 13, 14 12:53 pm    Post subject: Reply with quote    

I did a multi car with admiral, much cheaper than anyone else if your son is not a main driver.

Lorrainelovesplants



Joined: 13 Oct 2006
Posts: 6473
Location: Cornwall
PostPosted: Mon Jan 13, 14 12:57 pm    Post subject: Reply with quote    

Can I just ask - are you planning to teach him to drive or is it for after he passes his test? Just interested as Id like to do this for Kate, but if its too dear perhaps lessons would be cheaper.

AnneL



Joined: 28 Jun 2010
Posts: 42
Location: East Yorkshire
PostPosted: Mon Jan 13, 14 1:02 pm    Post subject: Reply with quote    

We used Collingwoods they can insure Learners as an add-on to your normal Policy or as a separate Policy for a learner on their own vehicle.
We paid 3 months initially and then month by month until our son passed his test. It was the cheapest we could find at the time and very easy to set up.

Another option is to try your current insurer.

Some friends contacted their insurance company, Aviva ,I think and they were quoted what they thought was a reasonable additional premium to add their son.

Insurance premiums have definitely gone down. Insurance for his first year after he passed his test was over 3000, this year it was 700!!

Lorrainelovesplants



Joined: 13 Oct 2006
Posts: 6473
Location: Cornwall
PostPosted: Mon Jan 13, 14 1:03 pm    Post subject: Reply with quote    

Thanks Anne

alison
Downsizer Moderator


Joined: 29 Oct 2004
Posts: 12907
Location: North Devon
PostPosted: Mon Jan 13, 14 1:05 pm    Post subject: Reply with quote    

Ok

He is having lessons.

I think insurance companies don't like the 17 year old to NOT be named the first driver, if it is quite obvious they are. I believe it effects claims if necessary.

I have looked at the "No night time driving", which I assume is via a box of some sort, but I will sometimes need to use the car, and I may need to do it when it is dark.

I have seen something where I have the car insured in my name, fully comp, and then a particular policy insures the learner seperatley, as a learner. They won't insure once they have passed though.

I have tried my own insurer, but they won't do learners.

bibbster



Joined: 17 Apr 2009
Posts: 1233
Location: Just a bit inland from Aberaeron
PostPosted: Mon Jan 13, 14 1:33 pm    Post subject: Reply with quote    

separate policy for a learner driver for a month at a time is

http://www.wearemarmalade.co.uk/learner-driver-insurance.
1month 85, 2months 160, 3 months 210, for any car upto 20K!!!

After that we found Aviva and Admiral to be the best deal

Last edited by bibbster on Mon Jan 13, 14 1:43 pm; edited 1 time in total

joanne



Joined: 28 Oct 2004
Posts: 7085
Location: Morecambe, Lancashire
PostPosted: Mon Jan 13, 14 1:39 pm    Post subject: Reply with quote    

That was very timely and useful thank you - I've got two that I'm probably going to have to insure very soon

alison
Downsizer Moderator


Joined: 29 Oct 2004
Posts: 12907
Location: North Devon
PostPosted: Mon Jan 13, 14 2:21 pm    Post subject: Reply with quote    

bibbster wrote:
separate policy for a learner driver for a month at a time is

http://www.wearemarmalade.co.uk/learner-driver-insurance.
1month 85, 2months 160, 3 months 210, for any car upto 20K!!!

After that we found Aviva and Admiral to be the best deal


Thanks.

I noticed on the full driving insurance that they have a box fitted. Did you have to when you had the learner?

bibbster



Joined: 17 Apr 2009
Posts: 1233
Location: Just a bit inland from Aberaeron
PostPosted: Mon Jan 13, 14 2:23 pm    Post subject: Reply with quote    

alison wrote:
bibbster wrote:
separate policy for a learner driver for a month at a time is

http://www.wearemarmalade.co.uk/learner-driver-insurance.
1month 85, 2months 160, 3 months 210, for any car upto 20K!!!

After that we found Aviva and Admiral to be the best deal


Thanks.

I noticed on the full driving insurance that they have a box fitted. Did you have to when you had the learner?


Not when a learner, no. (and the cost when test passed was much dearer than Aviva)

alison
Downsizer Moderator


Joined: 29 Oct 2004
Posts: 12907
Location: North Devon
PostPosted: Mon Jan 13, 14 2:24 pm    Post subject: Reply with quote    

I can't do the passed one, as the car is too old!

RichardW



Joined: 24 Aug 2006
Posts: 8414
Location: Llyn Peninsular North Wales
PostPosted: Mon Jan 13, 14 3:11 pm    Post subject: Reply with quote    

We have just been through this with our eldest.

We kept the car insured in our name but then bought an add on policy that does not affect our insurance at all to cover the learner bit. Financially you need to do at least 2 hours per week to save enough on the paid for lessons to cover the extra insurance. If you are having to pay to insure it in `your name first then it would cost more than two lessons worth.


One thing you might like to think about is insuring his car as a learners car with you as the instructor (you dont need quals if you are not being paid for it). then as long as you are the one in the car with him he is good to go.

I have just done this on a micra & it cost 320 for a year.
(I guess thats my secrete out of the bag, I am re training as an instructor)

alison
Downsizer Moderator


Joined: 29 Oct 2004
Posts: 12907
Location: North Devon
PostPosted: Mon Jan 13, 14 3:54 pm    Post subject: Reply with quote    

I think it will be mainly me Richard, and I can see us doing more than that a week, if I work out all his little journeys.

Good luck on the training. Nerves of Steel!

gz



Joined: 23 Jan 2009
Posts: 5816
Location: Ayrshire, Scotland
PostPosted: Mon Jan 13, 14 4:03 pm    Post subject: Reply with quote    

After he has passed, get him to do the "Pass Plus" course. Some insurance companies will reduce premiums once passed, I think only on his insurance, and you have a time limit in which he will have to take out his insurance.

It may be cheaper to get him on your policy, but whenever he gets his own, that will count as nothing towards his no claims bonus.

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