can teens get car insurance after accident?

[gcsehelps]

Dd2 has just started driving. She is funding the car/insurance etc but not in a high paid job. Just trying to understand if she would become uninsurable if she had an accident and for how long? Presume if she damaged or wrote off her cheap car it is better not to claim but more thinking it she damaged someone elses car. Anything else I need to think about?

anyone?

You still have to declare an accident even if you don't claim. Everyone is insurable at a cost. Not sure why you're imagining the worse already?

because she couldnt get to work if she couldnt get insurance. wondering if it is better to focus only on applying for jobs accessible by public transport too just in case. She is accident prone when not in a car unfortunately.

I think it’s ridiculous to not drive ‘in case’ you have an accident. What would be the point in learning?

I imagine the cost goes up a lot. Especially as a youngster. I think most young people will have the policies mainly in there parents name for cost these days.

A few of ds’s friends had bumps/wrote off cars within the first couple of years driving (thankfully no serious injuries) and got reinsured. No idea how much it cost, but must be possible.

I can’t imagine having an accident would make someone uninsurable? Their premiums would probably skyrocket though. You won’t be able to keep her in cotton wool forever and the best driving comes from experience. Can you instead encourage her to be a safer driver eg limit the number of passengers she has so she’s not distracted, put in more hours practising with her, less driving at night etc?

Most likely the premiums would be incredibly high which might make it unaffordable. Definitely discourage eg driving at night, bad weather, with lots of friends in the car.

That's called fraud, and is illegal.

It comes at a price but there is no rule saying they cannot have insurance. That said it sounds as if she is a danger to herself and others and perhaps shouldn't be driving.

DS wrote off his crappy first car by skidding into a ditch. His insurance briefly doubled but was back to 'only normally awful' a year or so later.

Ah, he wasn't a teen, though. He was early 20s and had some no claims bonus to lose.

Insurance will be incredibly high at first anyway. If she can manage with public transport until she has had her full licence at least 3 years it is helpful cost wise

DD had a crash as a learner & then another in her first year of driving. Her insurance to fairly quickly returned to normal levels. This was a few years sgo before premiums rocketed quite so much.

@Floofydawg on every single thread about insurance there's always at least one post recommending committing fraud. It's tedious.

I am not suggesting she doesnt drive!! She drives lots now and is getting experience all the time. I am questioning whether it is better to try to find a first f/t job that can be reached by public transport (fairly common in this area) so she didnt lose a good job if she couldnt get there.

Depends what you mean.

when dc initially drove I added them to my insurance. So yes, it was in my name.

when they started driving more than me I switched them to main driver, but still my car my insurance.

My car broke down recently and it’s real pain to get to my work on public transport, so I’d definitely keep that under consideration. But you don’t have to be so pessimistic about her. :(

It’s definitely not fraud to have two drivers on a car 😂

Primary driver is the parent, secondary child. Not fraud!

I wouldn’t suggest a new drive actively doing this to be honest. Once I passed I could only travel to work by public transport, I lost confidence so fast I didn’t drive for ten years !

im back on it now and I have to drive, no other way, and that push has made me experience more and build confidence

You wrote about young people having policies in their parents name, for cost. That's fronting, which is insurance fraud. 😂