Insurance quotes for provisional / new driver
Discussion
Looking for some advice about insuring a car for my daughter who will be 17 in a few weeks. We have decided on a VW up or a golf. Spent many hours tweaking insurance quotes with me as a named driver and got them down to something reasonable, circa 800 without a black box. But that was with the car in her name, main driver and me as second driver. I had to change her age to get the quote system to work.
But if I wanted to get the car when she turns 17 and use it to give her lessons then how does the insurance work. Is the car registered in her name with her as the main driver, even though she only has provisional with me as another driver? Just trying to find the best way to put this into the comparison sites so I can start playing with the quotes - once she passes her test things will change so do we then need to start the process again?
But if I wanted to get the car when she turns 17 and use it to give her lessons then how does the insurance work. Is the car registered in her name with her as the main driver, even though she only has provisional with me as another driver? Just trying to find the best way to put this into the comparison sites so I can start playing with the quotes - once she passes her test things will change so do we then need to start the process again?
I got it fairly cheap for my daughter at 17 on a provisional licence, about £400 I think. Through a comparison site, was with Halifax (underwriter was Sabre).
There was a hefty fee to upgrade when she passed her test to drive unaccompanied. It would have been the equivalent of making the policy around £2600 for the whole year. Fortunately she was in no rush to pass her test so I only had to pay less than half a years worth. No black box either.
It may be worth looking how much the upgrade will cost before you just get the cheapest provisional insurance.
One of the insurance comparison sites didn’t like having a years no claims with only 6 months licence either (others were fine) the following year.
There was a hefty fee to upgrade when she passed her test to drive unaccompanied. It would have been the equivalent of making the policy around £2600 for the whole year. Fortunately she was in no rush to pass her test so I only had to pay less than half a years worth. No black box either.
It may be worth looking how much the upgrade will cost before you just get the cheapest provisional insurance.
One of the insurance comparison sites didn’t like having a years no claims with only 6 months licence either (others were fine) the following year.
Edited by syl on Sunday 4th April 09:47
Register the car in her name.
Insure it in her name.
Put you and your partner if appropriate as named drivers.
You (or anyone else) doesn't NEED to be named on the policy if she is driving, even as a provisional holder. As long as the accompanying driver is qualified to do so.
Good shout on huge hikes when she passes her test.
Pass Plus used to be a good way to reduce costs after the test.
I was on both my kid's insurances even after they'd left home!
Insure it in her name.
Put you and your partner if appropriate as named drivers.
You (or anyone else) doesn't NEED to be named on the policy if she is driving, even as a provisional holder. As long as the accompanying driver is qualified to do so.
Good shout on huge hikes when she passes her test.
Pass Plus used to be a good way to reduce costs after the test.
I was on both my kid's insurances even after they'd left home!
I've just tried to get a reasonable quote on a 2017 Mini 5 door 1.5 3cyl worth £10k. For my daughter who is currently learning but has her test booked.
In her name as a provisional driver £1500
In her name as a passed driver £8500
As a named driver on my company fleet policy £7,000
As a named driver but my car and policy £5653
That's just ridiculous. Wrong car then? Or wrong insurers?
Any recommendations?
In her name as a provisional driver £1500
In her name as a passed driver £8500
As a named driver on my company fleet policy £7,000
As a named driver but my car and policy £5653
That's just ridiculous. Wrong car then? Or wrong insurers?
Any recommendations?
My daughter is a learner driver, she has a 107 registered in her name. Insurance policy for her with me and Mrs Scrump as named drivers was under £300 last year with no black box, renewed a few weeks ago with her still being a learner and it was less than £250.
It becomes invalid when she passes her test.
The insurer is Sterling.
It becomes invalid when she passes her test.
The insurer is Sterling.
shiversaint said:
Even into my 30s I still have my mother on my car. Have needed to have her driving once in a blue moon so it's been valuable but given the discount offered I can never see why one wouldn't do this.
I had my mum and her husband on as named drivers on my second car after a year with a black box on a Punto. It actually worked out cheaper between my second and third year of driving to take them both off. They've been driving cumulatively for over 50 years with Max no claims too. Since then they've never been back on.
I do bring my partner's insurance premium down though if only by a couple of quid a year.
It feels like insurance companies just throw a dart at a board when coming up with prices sometimes.
So I've done a huge amount of this over the last few months as my Goddaughter turned 17 in December last year and I wanted to ensure she could have some driving practise with me.
I bought a 2007 mini 1.6 cooper in the end as the insurance was very reasonable and it's what she wanted.
Initially registered in my name, kept at my address with her as a named driver on a provisional license was £491 per year including cover for me to commute.
Once she has passed her test, the car will be transferred into her name and then insured with her as the main driver and me as a named driver (keeping me as the main driver is "fronting" and very much illegal.)
It will become a black box policy sadly and will cost £1269 for the first year.
For reference in all the research I did, the cheapest car i came across was a Hyundai i10 and strangely a 2014 Kia Sportage 1.7 was only £1200 on a black box policy.
I bought a 2007 mini 1.6 cooper in the end as the insurance was very reasonable and it's what she wanted.
Initially registered in my name, kept at my address with her as a named driver on a provisional license was £491 per year including cover for me to commute.
Once she has passed her test, the car will be transferred into her name and then insured with her as the main driver and me as a named driver (keeping me as the main driver is "fronting" and very much illegal.)
It will become a black box policy sadly and will cost £1269 for the first year.
For reference in all the research I did, the cheapest car i came across was a Hyundai i10 and strangely a 2014 Kia Sportage 1.7 was only £1200 on a black box policy.
rooflover said:
I've just tried to get a reasonable quote on a 2017 Mini 5 door 1.5 3cyl worth £10k. For my daughter who is currently learning but has her test booked.
In her name as a provisional driver £1500
In her name as a passed driver £8500
As a named driver on my company fleet policy £7,000
As a named driver but my car and policy £5653
That's just ridiculous. Wrong car then? Or wrong insurers?
Any recommendations?
It could be a bit of both, if you haven't already then try get the quotes through a comparison website and take a look at the range of prices on there. As daft as it sounds the insurance groups seem to be somewhat irrelevant for young drivers, perhaps even for older drivers now. It seems like it's all about how common those cars are to be in accidents (i.e. If it's a car common amongst new drivers or boy racers), the desirability for theft (Golf R in West Yorkshire was significantly more than my M4 insurance. Though both came in about the same when I moved down south). There are a few 'accelerated' insurance schemes that get you that 1 year no claims discount a little faster, they tend to be 10 month policies that give you 1 year's NCD, no idea how they manage to do that as it seems like a scam but they send out the confirmation of NCD so I guess it works... If you're open to swapping the car for her then there's probably a good number of cars that'll cut that insurance quote down dramatically, I guess it depends on the criteria you have and whether the car is for her or you just want her to be on the insurance to drive occasionally.In her name as a provisional driver £1500
In her name as a passed driver £8500
As a named driver on my company fleet policy £7,000
As a named driver but my car and policy £5653
That's just ridiculous. Wrong car then? Or wrong insurers?
Any recommendations?
rooflover said:
I've just tried to get a reasonable quote on a 2017 Mini 5 door 1.5 3cyl worth £10k. For my daughter who is currently learning but has her test booked.
In her name as a provisional driver £1500
In her name as a passed driver £8500
As a named driver on my company fleet policy £7,000
As a named driver but my car and policy £5653
That's just ridiculous. Wrong car then? Or wrong insurers?
Any recommendations?
Definitely minis are popular with you g driver's especially women so there are crashed often by people of that age rangeIn her name as a provisional driver £1500
In her name as a passed driver £8500
As a named driver on my company fleet policy £7,000
As a named driver but my car and policy £5653
That's just ridiculous. Wrong car then? Or wrong insurers?
Any recommendations?
We always found that starting off in their name with one or both of us added as named drivers worked well for our 3 sons - use Comparison site to kick off search although from experience Admiral or one of their associated companies was always pretty good value as such and relatively speaking.
Obviously when test passed prepare for a shock but again with Admiral that shock wasn't agony.
All 3 had Fiesta's - 1.25 engine etc which would almost certainly be cheaper to insure than Mini etc.
When u do comparison shop I would try Admiral anyway as then you can try and argue them down to match etc.
Renewals will be a painful conversation but not uncommon and only a call annually -they have UK centre obviously.
Full disclosure -never had to claim on one of the policies so no idea as to their claims service although all paperwork was good and their online portal fairly decent although their admin fee for almost any changes - error or otherwise used to annoy the hell out of me.
I would also be wary of insuring anything too high a value with them given their passion for arguing over what is an option fitted to the car etc and don't forget they might be a cheaper for a reason so check all aspects of cover carefully.
Obviously when test passed prepare for a shock but again with Admiral that shock wasn't agony.
All 3 had Fiesta's - 1.25 engine etc which would almost certainly be cheaper to insure than Mini etc.
When u do comparison shop I would try Admiral anyway as then you can try and argue them down to match etc.
Renewals will be a painful conversation but not uncommon and only a call annually -they have UK centre obviously.
Full disclosure -never had to claim on one of the policies so no idea as to their claims service although all paperwork was good and their online portal fairly decent although their admin fee for almost any changes - error or otherwise used to annoy the hell out of me.
I would also be wary of insuring anything too high a value with them given their passion for arguing over what is an option fitted to the car etc and don't forget they might be a cheaper for a reason so check all aspects of cover carefully.
cashmax said:
Looking for some advice about insuring a car for my daughter who will be 17 in a few weeks. We have decided on a VW up or a golf. Spent many hours tweaking insurance quotes with me as a named driver and got them down to something reasonable, circa 800 without a black box. But that was with the car in her name, main driver and me as second driver. I had to change her age to get the quote system to work.
But if I wanted to get the car when she turns 17 and use it to give her lessons then how does the insurance work. Is the car registered in her name with her as the main driver, even though she only has provisional with me as another driver? Just trying to find the best way to put this into the comparison sites so I can start playing with the quotes - once she passes her test things will change so do we then need to start the process again?
you're gonna have a shock when the price comes back to insure her with a full license. honestly i wouldnt bother until she has passed and just take lessons the traditional way, you'll spend less and she will probably have an easier time passing her test. there's plenty of VW ups out there to snap up later. But if I wanted to get the car when she turns 17 and use it to give her lessons then how does the insurance work. Is the car registered in her name with her as the main driver, even though she only has provisional with me as another driver? Just trying to find the best way to put this into the comparison sites so I can start playing with the quotes - once she passes her test things will change so do we then need to start the process again?
rooflover said:
I've just tried to get a reasonable quote on a 2017 Mini 5 door 1.5 3cyl worth £10k. For my daughter who is currently learning but has her test booked.
In her name as a provisional driver £1500
In her name as a passed driver £8500
As a named driver on my company fleet policy £7,000
As a named driver but my car and policy £5653
That's just ridiculous. Wrong car then? Or wrong insurers?
Any recommendations?
I bought 10 year old Panda with 13k miles for £1700 quid. It was like new. Insured my son fully comp in his name after he passed for £840 . He now has 2 years NCD and has renewed at £280 this year. He will be insuing his Escort Mark 2 later this year for £380 fully comp worth £15k. I woulkd suggest the mini is not the right car to start with.In her name as a provisional driver £1500
In her name as a passed driver £8500
As a named driver on my company fleet policy £7,000
As a named driver but my car and policy £5653
That's just ridiculous. Wrong car then? Or wrong insurers?
Any recommendations?
Ziplobb said:
I bought 10 year old Panda with 13k miles for £1700 quid. It was like new. Insured my son fully comp in his name after he passed for £840 . He now has 2 years NCD and has renewed at £280 this year. He will be insuing his Escort Mark 2 later this year for £380 fully comp worth £15k. I woulkd suggest the mini is not the right car to start with.
Insurance prices are mostly down to postcode followed by occupation. Short of moving he's never going to get anywhere near that.My eldest is 17 in a couple of months and I tested insurance prices pretending he was 17 in Jan just gone and had just passed his test, also included myself and the Mrs as named drivers but it was his policy and he was the main driver.
Best prices were from Direct Line, a black box policy on a Ford KA or Citroen C1 (say £3k value) came out the cheapest on a multitude of cars I tried (usual Corsa to more obscure (for a young driver) a Honda Jazz and everything in between).
Price was £1400 or nigh on £2k if no black box.
Corsa was £2k with a black box so a good chunk more.
Best prices were from Direct Line, a black box policy on a Ford KA or Citroen C1 (say £3k value) came out the cheapest on a multitude of cars I tried (usual Corsa to more obscure (for a young driver) a Honda Jazz and everything in between).
Price was £1400 or nigh on £2k if no black box.
Corsa was £2k with a black box so a good chunk more.
Edited by duckson on Thursday 15th April 21:51
TwigtheWonderkid said:
broadspeed1 said:
Insurance prices are mostly down to postcode followed by occupation.
Nope. The top 3 for most insurers, in order of importance, are driver age, car model, postcode. You can defiantly get savings playing with different cars but I've found most sensible things are a similar price.
I know for a fact postcode makes a massive difference though, when I was 17 it took my 8k quotes down to 3k and that wasn't even a very good area I was changing it too.
Yes maybe somebody can insure their car for 50p in the countryside, but it's irrelevant to somebody in Rochdale.
I got a classic car for classic car insurance and still payed through the nose. They've probably closed that loophole now.
Things that help lower the cost are, adding parents as named drivers, moving the start date of cover forward a few days, playing with job description, playing with excess amounts (paying more normally adds to the price).
I see people have suggested insuring the car in your name and adding your daughter as a named driver. I couldn't find a company that would allow you
to add a 17 year old to the policy.
Thread revival - Going through this again with my son. Forgot exactly what I did with my daughter.
He is 17 in a few weeks - just bought the car but can't recall the best process.
1) Do I register it in his name now or after he passes his test.
2) Because this is a new car, I have no NCB to use for it, despite having 4 other policies with 20 years NCB. Mirroring?
3) Is the best option to just use another temporary company for his provisional insurance as an add on, or add him as a named driver to the policy?
Just wondered what folks did?
He is 17 in a few weeks - just bought the car but can't recall the best process.
1) Do I register it in his name now or after he passes his test.
2) Because this is a new car, I have no NCB to use for it, despite having 4 other policies with 20 years NCB. Mirroring?
3) Is the best option to just use another temporary company for his provisional insurance as an add on, or add him as a named driver to the policy?
Just wondered what folks did?
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