Car insurance for newly qualified Teen DS

[petal2008]

DS passed his driving test-hooray, no more lesson fees.

Just been looking at premium prices to put him on my clapped out ten year old car. Bloody hell, 500% increase on my premium!!!!

He wants to get his own car in the summer to get to uni, priced the premium in his name and nearly fainted. How the hell are new drivers supposed to get on the road?

Am really pissed off with my insurance company. Have been with them many years as premiums have always been good, got two cars and home insurance as well but they basically said "tough, this is the quote" even when I said I would have to cancel all the policies. Even more angry when I went on their site as a new customer and it quoted £500 less.

Had anyone used a company called Marmalade to get a car and insurance through?

[MrsTomHardy]

Hi
No advice I'm afraid but I'm dreading this moment as my son turns 17 in may

[petal2008]

Oh well. Will have to suck it up and do what we can. No point paying for the lessons, him putting the work in to pass and then not getting out on the road to get the experience.

[30SecondsToVenus]

I use 1st central

I only passed my test a few months ago and I got a quote for a 15 year old golf, 1.6litre petrol. It worked out as £47 per month, I'm not sure for the year. Every other insurance company quoted at least £150 a month in insurance. Yes I'm a bit older (25) but I'm still a new driver in quite a decent sized shit heap of a car

Give them a go and see how you get on

Alternatively some companies give you cheaper insurance if you fit a box in your car that monitors speed etc. The insurance comes down the safer the driver etc so as long as your ds doesn't become a boy racer, he should be fine

[petal2008]

Yes, have seen the black box companies which look good and reward the good drivers. It's sad that his age and sex automatically assume he will be a irresponsible driver.

[cricketpitch]

Also interested in this as I have just been told by my insurance company that they cannot insure my DD at all! Wouldn't even give me a price. She hasn't passed test yet so this was a hypothetical question just to get an idea for six months time when I'd want to add her to the policy.

Interested about the safe driving box though. Will investigate.

[Cthulu]

OP, were you with Direct Line, by any chance? I had to leave them after 20 years when they could only quote me £3000 to add DS (17) to my policy. Changed to LV, was just under £1000 to add DS. Still eye-watering, but do-able.

If he's going to have his own vehicle, worth looking into various black-box schemes that monitor their driving and impose a 'curfew' in exchange for cheaper premiums.

[AnyFuckerHQ]

Can you still add teenagers to your own policy then ?

Or is it that you can't insure a car of their own, with you as principal driver (instead of them) ?

[petal2008]

Yes, it is with Direct Line. Went through to their "loyalty section" when I pointed out I had three policies with them but they wouldn't budge on the price and happily gave me the cancellation fee-been with them over ten years. Have always checked premiums when up for renewal and they have been fine, but am over 50 in a ten year old, not very powerful, car and been driving 30 odd years.

He would be a named driver along with DH. I would be main as need for work etc so he would be an occasional user. When he gets his own then he would have to be the policyholder.

[Musicaltheatremum]

I use admiral on their multi car policy. Pay about £1000 per year for both cars. Saab 9-5 for me and Toyota yaris which I drive when they are away. 1.0 l engine. Daughter 21 nearly and son 18. Also did a quote to put them on a new car that I want to buy (want to get rid of both cars and buy a newer one, was looking at a volvo v50 2 years old) and this was about £800. They also get to build their own no claims bonus.

[MedusaIsHavingaBadHairday]

Admiral multi car policy here too.. saved us a fortune (for all of the cars oddly enough!) DS1 is building his own no claims too...(rather slowly due to a bump last summer!!)

[BuzzLightbulb]

I was told by a broker to wait until they had had their licence a year and had turned 19. Then it gets cheaper.

My ex has a policy with Aviva I think which allows my son to drive the car for a certain nbr if weeks a year, much cheaper and as he's away at uni works fine.

Much much cheaper than the full named driver thing.