Rolfe 2 Posted March 9, 2009 Report Share Posted March 9, 2009 I wonder if anyone out there is up to date with the best and cheapest method of insuring a newly qualified driver. My 17 year old daughter is currently having driving lessons (and draining my bank account) and i would hope she will pass her driving test pretty soon (please god). Would it be advisable to add her to my or her mothers policy as a newly qualified driver or to insure her in her own right? It is going to be very expensive no doubt, but i have heard various stories like if she is added to a policy the insurance companies look at it that she will only be using the vehicle some of the time and reduce the premium accordingly. Any helpful suggestions would be appreciated..........I'm sure someone out there would have gone through the same dilema at some point. Regards Rolfe Quote Link to post Share on other sites
barrym3 11 Posted March 9, 2009 Report Share Posted March 9, 2009 rolfe its better for her to insure the car herself so she can build her no claims up some folk insure like direct line they give named drivers no claims as well as named driver but if she does it herself its better alround for everyone ;) Quote Link to post Share on other sites
scent 509 Posted March 9, 2009 Report Share Posted March 9, 2009 i started to drive when i was 20 and i payed 3400 euro by getting my own insurance ,it will be a helll of a lot cheaper to put her on her mothers insurance rolfe ,its all down to her age Quote Link to post Share on other sites
barrym3 11 Posted March 9, 2009 Report Share Posted March 9, 2009 i started to drive when i was 20 and i payed 3400 euro by getting my own insurance ,it will be a helll of a lot cheaper to put her on her mothers insurance rolfe ,its all down to her age but if he does that and she has a bump its mums no claims that goes tits up where if she does it herself it will get cheaper and she can build her no claims up Quote Link to post Share on other sites
fourtrak73 1,334 Posted March 9, 2009 Report Share Posted March 9, 2009 try n f u Quote Link to post Share on other sites
scent 509 Posted March 9, 2009 Report Share Posted March 9, 2009 i started to drive when i was 20 and i payed 3400 euro by getting my own insurance ,it will be a helll of a lot cheaper to put her on her mothers insurance rolfe ,its all down to her age but if he does that and she has a bump its mums no claims that goes tits up where if she does it herself it will get cheaper and she can build her no claims up you have a valid point there barry cause mines gone down 3100 in 7 years Quote Link to post Share on other sites
spiderpig 39 Posted March 9, 2009 Report Share Posted March 9, 2009 basically your fuckedd either way but i was insured on my mums from 17 untill i was 21 then when i started to get my own its was a ridiculous price, as i had no no claims but now i think ive seen it advertised on tv that the second named driver gets no claims too witch is great and probably the only option at the moment,do a google search but i know ive defianlty seen it advertised Quote Link to post Share on other sites
stubby 175 Posted March 9, 2009 Report Share Posted March 9, 2009 try sheilas wheels, ladies only insurance, is normally cheaper for some reason and also better for her to get her own "no claims" Quote Link to post Share on other sites
stabba 10,745 Posted March 9, 2009 Report Share Posted March 9, 2009 Get your mum to get her no claims protected then stick your daughter on it. Quote Link to post Share on other sites
dogman89 0 Posted March 9, 2009 Report Share Posted March 9, 2009 Get your mum to get her no claims protected then stick your daughter on it. thats what i have, my mums protected so if i crash she doesnt lose her no claims Quote Link to post Share on other sites
therays22 0 Posted March 9, 2009 Report Share Posted March 9, 2009 we had the same problem with our daughter, passed her test at 17 brought her a lovely suzuki jimny but the insurance for third party fire and theft was £1100 that was with diamond car insurance we added both myself and hubby which improved the quote and they do a 10 month accelerator scheme where she will gain her first years no claims in just 10 months however this comes round very quickly we then got the renewal notice through and the premium had not hardly been reduced so we went back online and found that exactly the same company was quoting just £700 fully comprehensive!!! when we contacted them and asked why it was £1000 third party fire and theft via renewal and £700 via the interned they were unable to answer however they honoured it, again an accelerator policy so now she has earned 2 years no claims in just 20 months and i have just paid for her 3rd year which is £630 fully comp. it has been a struggle but if you can get them on their own insurance it is definitely better. my firend added her son to her insurance and he unfortuately had an accident, when they looked into it they refused to pay out as he was using the car on a regular basis and was effectively the main driver. cost them a fortune in the end. the insurance companies are getting wiser to this so be aware and good luck Quote Link to post Share on other sites
SportingShooter 0 Posted March 9, 2009 Report Share Posted March 9, 2009 Its most definitely better to put her on her own insurance As has been said, if she had a bump, God forbid, then yours or her mothers No Claims would be affected meaning it could affect your premiums for years to come, especially if you both have many years No claims. Also, unless you are insured with Direct Line who offer No Claims to Named Drivers, then she will be no better for her premiums the next year as she has no, No claims bonus of her own. A cheap but safe car, insured on Third Party, Fire and Theft I found the answer in. If she has a bump she is covered for the other person and if her car is not too expensive then it wont matter as much if it gets damaged. I seem to remember my first premium being £1250 paid monthly from Quinn Direct Insurance. Once I had been driving a year, that dropped to £900 with Quinn. I shopped around, got it to around £700. My third year of driving, with a different, larger engined car, fully comp was £600 seen as I had my own Two Years no claims. Quote Link to post Share on other sites
Rolfe 2 Posted March 9, 2009 Author Report Share Posted March 9, 2009 we had the same problem with our daughter, passed her test at 17 brought her a lovely suzuki jimny but the insurance for third party fire and theft was £1100 that was with diamond car insurance we added both myself and hubby which improved the quote and they do a 10 month accelerator scheme where she will gain her first years no claims in just 10 months however this comes round very quickly we then got the renewal notice through and the premium had not hardly been reduced so we went back online and found that exactly the same company was quoting just £700 fully comprehensive!!! when we contacted them and asked why it was £1000 third party fire and theft via renewal and £700 via the interned they were unable to answer however they honoured it, again an accelerator policy so now she has earned 2 years no claims in just 20 months and i have just paid for her 3rd year which is £630 fully comp. it has been a struggle but if you can get them on their own insurance it is definitely better. my firend added her son to her insurance and he unfortuately had an accident, when they looked into it they refused to pay out as he was using the car on a regular basis and was effectively the main driver. cost them a fortune in the end. the insurance companies are getting wiser to this so be aware and good luck Thanks for the detailed reply it is very kind of you.........and thanks also to all the other replies, it has given me much food for thought and i think that no matter what way i approach it it is going to be very expensive Just need to win the lottery then and it will be a doddle. Regards Rolfe Quote Link to post Share on other sites
bmetson 0 Posted March 9, 2009 Report Share Posted March 9, 2009 I had to sort my insurance out for the first time not long ago and it was really, really expensive! If your daughter gets her own insurance and then adds older named drivers (you or mum or both) it may bring the price down a little (especially if you have a few years of no claims). It worked on mine and got it down by about 60quid ...I think it's because they then assume someone else will be driving the car at some point so it wont always be a new driver behind the wheel. EDIT: Just realised this point has been made already...Ignore me! Quote Link to post Share on other sites
osimons89 0 Posted March 9, 2009 Report Share Posted March 9, 2009 im only 19 so wasnt to long ago for me the best company i found was kwik fit you also get 10% off at there centers new tyers exsaused and so on. is best to go on your own policy as 1 you start to build up a no claims if your lucky i wasnt!! 2 the companys who offer no claims for name drivers normaly have a age rule of 21. 3 if you are a named driver you have to drive the car less than the policy holder. hope this helps and sorry about the spelling its not my strong point. Quote Link to post Share on other sites
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