Teen car insurance

[watfordmummy]

So DS eventually passed his driving test, and we have gone to insure him in his own car (small Peugeot bought with his money).

Finished sixth form and waiting to hear from uni (relative to story), works a couple of shifts a month at local football club bar.

Got a quote and black box installed , as it's in his name they wanted to talk to him to verify his details. 1 hour later...

They couldn't work out what he was as not school pupil and has only conditional offer for uni, asked about part time work - honestly replied about his as hoc work.

They have now said won't insure him, and he has had to cancel policy or they would and he would get insured in future. Won't insure him as he works as hoc in a bar!!!

So now we have to find new insurance for him!! Is it me or does this just sound ridiculous!!!

Did you pay the insurance up front for the whole year?

If not and they are monthly payments they may think he cannot afford it.

I would definitely cancel it before they do as when arranging new insurance one of the questions they ask is have you ever had car insurance declined. This will massively affect his premium.

Monthly payments covered by us, it is solely to do with bar work and his age!

I really at a loss why insurance companies make it so hard for young boys to be insured.

They make it hard because statistically, they are more likely to be involved in accidents. No idea why his very part time job should mean he’s refused insurance though.

Do you really not see why? Young inexperienced male driver, just passed test, works (I assume?) nights around alcohol and will likely be driving home at night. I'm no insurance assessor but seems like the worst risk going.

No it doesn't sound ridiculous at all. The price will be eye watering when you find an insurer.

My son18 went though an insurance company called carrot, black box installed on a 20 year old car (v reg so may have been older) paid a year upfront, cost him £1200 the car only cost £450. Shocking.

That's going to make things tricky in future when they ask "have you ever been refused insurance?".

These premiums reflect how dangerous 18 yo boys are to themselves and everyone else. The more of them kept off the roads the better.

@Ethylred, Not all young lads are bad you know, IMO it's the old ones that are far worse.

paid a year upfront, cost him £1200 the car only cost £450. Shocking.

Bumble - why is the cost of the car relevant?

It wouldn’t occur to me to class him as anything other than a student.

Dd is 17 in October & we will be looking to buy her a car & through her test ASAP. Goodness knows what they will make of a trainee professional dancer!

@Alexanderhamilton because they also take into account the car that you drive as well as experience, was just saying

@Alexanderhamilton sorry wrong person...

@blueskiespink...i was replying to you.

IMO it's the old ones that are far worse

Your opinion is irrelevant. What counts is the actual experience of the insurers. Which proves time and time again that newly qualified teens are a far far far higher risk than 75 year old Frank.

He should have said he was a student. I think technically he still is till September - that's when the child benefit entitlement ends.

The car is a very small part of the quote. A few grand of cover for the car if it's written off vs millions for permanently injuring someone....

Are you sure it's not a time restriction that's the stumbling block here?

Lots of policies dictate the hours during which the car can be driven. If it has an 11pm curfew and your DS works late night shifts in a bar that would make the policy unsuitable.

I think then there will be a curfew on the black box. They will see bar work as working late hence not being able to insure him.

Not all black boxes have curfews but a lot do. You really need to read the small print.

Cancel the insurance now before they do.

Our problem will be that Dd will need a slightly bigger/more powerful car to Cary electronic keyboards & travel 40 miles each way to college (hopefully giving her dad a lift to work too) so that will put the insurance category up.

I like the look of the Seat Ibiza for its boot space but no idea if she will get insurance.

@titchy, I understand that was just replying to a pp. Still a lot though, it's not fair when most young ones are just trying to get a head start

Just seen 28’s post - cross posted.

Do they really put curfews on? That’s Dd stuffed then on performance nights. Don’t suppose they take into account she’ll be driving her dad around.

Why should insurance companies subsidise young people because they're starting out?

If you can't afford, don't get.

£2,500 a year premiums here - two teens and one adult with points. Very cheap car.

OP DS had his cover with Woop.com. His first car was an 06 plate Fiesta, with a black box and no curfew the insurance was around £1200. We found Woop to be really good.

Do they really put curfews on? That’s Dd stuffed then on performance nights.

Not all, but some do.

I was just suggestion that may have been the reason this company wouldn't insure OPDS

The op hadn’t said anything about not being able to afford but her Ds has been refused.

For us Dd learning to drive could possibly mean the difference between her being able to go to college (though we are investigating her living out) & her Dad keeping his job so we will pay whatever it requires.