Learner driver motor insurance cost..???

[JandLandG]

Hey, everyone

So, my son's 17 and learning to drive...I'm trying to put him on my car insurance but it's basically doubling the cost of my normal insurance when I get a quote.

I thought putting him on the insurance would be way cheaper - he'll only be using it for practice every now and again to supplement his lessons with an instructor.

Am I doing something wrong? Should adding a learner be way cheaper than that?

I know costs vary, but my car is cheap and not very powerful - I thought it'd be 100 quid a year or something.

Any thoughts/experience/knowledge about this?

All advice welcome...

Insuring a young learner driver is very expensive. Insuring a young qualified driver is even more expensive. Whether you add them on to your insurance or on their own. Expecting the additional cost to be in the region of £100 is a bit naïve, even on a cheap, non-powerful car. I've heard stories of recently qualified drivers insurance costing £2.5k on a very cheap, low cc car.

The only thing I can suggest is shop around and consider a policy which uses a dashboard camera

My 17 year old (just passed yesterday!) cost about £200 on an additional learner policy. We got it through Veygo, there's also Marmalade and FirstCar who do add-on policies. I've just switched to a new driver policy, cost £1200 for the year for a black box policy. When my other DC passed 2 years ago (same car) this cost £1800 so it seems prices have come down a bit.

I know costs vary, but my car is cheap and not very powerful - I thought it'd be 100 quid a year or something.

It’s not about how valuable the car is, it’s the damage it could do if it hit something or - god forbid - someone.

Insurance is a legal requirement because of what your car could do to others, not what it could cost you as an owner if it gets damaged or written off.

Look for insurers specialising in learner drivers. If and when he passes, you’ll need a black box fitting to make insurance even close to affordable.

We used Veygo, and paid monthly until she passed. Easy to set up and cancel when ready. She's with Ticker for her first year, and I've been playing with quotes for renewal already and they look like they've halved for her second, so looks like we're over the worst.

You have to shop around cos a bunch of insurers just don’t want to do it. I used to be with Tesco, now I am with RAC for this reason.

Try Collingwood. They do a specific provisional policy.

https://www.collingwood.co.uk/learner-driver-insurance/

I've just looked into this as DD is coming up to £17. To put her on our insurance with her provisional licence, the cheapest quote is £680 - I can't remember how much we pay but it's hundreds of pounds less than that. To insure her with a full licence once she's passed, the cheapest quote is £1500 with a black box (through Hastings).

I did the cost comparison through Money Supermarket.

From what I've heard those are actually fairly reasonable prices compared to what people sometimes pay. I'd be amazed if you can find a quote that's only another £100 than your current cost of insurance.

I’m going through it now … seems expensive to add them to your insurance, much cheaper to buy thier own Learner Driver insurance. I’m buying a seperate policy, for my car for DD.

Thanks for this, but that's for people who've passed their tests, driving on their own, using the car unsupervised ...

As I say, this is for driving practice only for a learner...

"additional learner policy"

Ok, thanks...that sounds like a useful phrase to know...lovely.

Good info, everyone...thanks so much...much appreciated 🙏