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Thread: Young drivers insurance

  1. #17
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    Problem is that cars are plentiful and cheap.
    I have never subscribed to mommy or daddy buying their offspring a car.

    If youngsters had to save for a car they might drive it a bit more carefully. If they cannot afford a car, can they really afford the insurance or other running costs.

    A better solution is for parents to pay for 12 months fully comp insurance rather than pay for a car. At least this gives the young person time to save for next year's insurance.

    Finally the roads are clogged up enough. This is down to almost every kid driving at a young age. Raise the driving age to 21...

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  2. #18
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    Quote Originally Posted by malcopopolo View Post
    Problem is that cars are plentiful and cheap.
    I have never subscribed to mommy or daddy buying their offspring a car.

    If youngsters had to save for a car they might drive it a bit more carefully. If they cannot afford a car, can they really afford the insurance or other running costs.

    A better solution is for parents to pay for 12 months fully comp insurance rather than pay for a car. At least this gives the young person time to save for next year's insurance.

    Finally the roads are clogged up enough. This is down to almost every kid driving at a young age. Raise the driving age to 21...

    Sent from my Lenovo TAB 2 A10-70F using Tapatalk
    But what do you really think ???

    What about those of us who don't live within SE Enngeerlandshiresville

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  3. #19
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    It's easy for a learner driver to get insurance for their own car: https://www.insurelearnerdriver.co.u...-your-own-car/

    This is just one example, I insured my daughters car in her name and she is still on L plates so she can build no claims and be responsible for her own car prior to being able to drive it on her own. Just remember as soon as they pass their test this is void, and is no longer valid, they then have to get "real insurance" for driving without supervision.

    Or you could sell the car till it's actually needed

    James
    BMW K1600 GTLE

  4. #20
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    Insurance is available to learner drivers as a stand alone policy. (Our daughter had it on her Corsa).
    We got the cost down by adding her mother and I as named drivers on her policy.
    You will need to change the policy once she has passed her test, which will make it go up in price........ Good luck.

  5. #21
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    Chris,
    Have you tried compare the market or another comparison site??

    we insured all 3 of ours with companies found on compare the market and insured them for their own car with me as a named driver, we didn't have any issues at all although Jake is 21 now so a few years ago.

    I agree with the comments re the black box, I didn't really like the idea but Dan had one and got a reduction in his DD of about £40 a month as a result of his good reports, it also created a habit to drive to the limits which has stuck 2 years after the box went, he really does drive like an old woman but I'd rather that than think about him hooning around.

    Didn't stop him writing his Clio off though, he drove it into a parked van early one morning, apparently the sun was in his eyes , the lesson learned there was don't drive your car if you can't see where your going???
    R1200GS Triple black! Lovely
    R1200C Montauk -lovely

  6. #22
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    Quote Originally Posted by jimbo View Post
    I don't think so. My son had is own insurance when he was learning at 17. His car, his insurance policy. about 2 years ago, sorry I can't remember the name, but it certainly was available
    Yes same here, my son had his own insurance and started to build no claims whilst he was learning and owned his own car, as did his girlfriend until she passed her test, she had her own car as well. So not sure where you have been looking. My son and her girlfriend had myself or my wife as a named driver, which brought the cost down

  7. #23
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    We used Marmalade insurance for our daughter while she was learning in the car we got for her. I was a named driver and it was reasonable, the no claims period while she was learning was transferable to her new policy. Now her policy premium as a newly qualified driver is eye watering.

  8. #24
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    Insurance for learner drivers who, for obvious reasons only hold a provisional licence, is not ‘cheap’ but - based on the normal criteria - not hugely difficult to obtain and is most often cheaper than insurance for a young person who has just passed their test, driving unaccompanied.

    Taking out insurance deliberately naming an adult as the main driver, when in reality the main driver is the minor (all be it under the care of the adult)..... Take care how you answer the questions when asked of you. But hey, who gives a feck as the fecking insurers is well rip off.

  9. #25
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    Quote Originally Posted by Wapping View Post
    Insurance for learner drivers who, for obvious reasons only hold a provisional licence, is not ‘cheap’ but - based on the normal criteria - not hugely difficult to obtain and is most often cheaper than insurance for a young person who has just passed their test, driving unaccompanied.

    Taking out insurance deliberately naming an adult as the main driver, when in reality the main driver is the minor (all be it under the care of the adult)..... Take care how you answer the questions when asked of you. But hey, who gives a feck as the fecking insurers is well rip off.
    Totally Agree! Happened to a 18 year old boy in our road last year. He was over the limit and crashed in to two cars. one of the drivers had to go to hospital with injuries. The police investigated and asked the neighbours who was the "main driver". As the 18 year old drove it to work every day and used it at weekends with music blasting you can guess what the neighbours said...

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