Meet the Other Phone. Child-safe in minutes.

Meet the Other Phone.
Child-safe in minutes.

Buy now

Please or to access all these features

AIBU?

Share your dilemmas and get honest opinions from other Mumsnetters.

..to NOT put stepson on my car insurance?

206 replies

LindaEllen · 04/12/2020 09:48

17yo stepson has his test soon.

We have two cars, but DP works full time and clearly needs his.

I WFH so don't need it for work, but use it for things like shopping, taking supplies to grandparents etc.

My partner has said he's not going on his insurance as there's no point as he uses his car every day, and said it's up to me whether I put him on mine or not. I think he worded it like that to make me feel there was no pressure on me, but stepson is expecting to drive when he passes his test, and my car is the only option - bar buying him his own, which we can't really afford, and he won't get a job until he leaves college.

I don't want him to use my car because ..

  • It's quite a new car, and I'm scared of him damaging it. He is quite a clumsy, careless person and damages things regularly. I'm not sure whether he would take more responsibility in an expensive vehicle.
  • It'd cost more to insure. DP has obviously said he'd make up the difference and I don't know how much that would be, but we're not really in a position for any added expenditure at this time.
  • He's incredibly messy and I just know he would leave wrappers, bottles etc in the car and it'd be a constant battle of getting him to take his shit out of it, which then causes an atmosphere.
  • Even though I don't use it all that much, I want my car to be there for me when I do need it. I don't want to have to plan my days around college times, and certainly don't want to be without a vehicle at the weekend (my partner's car is manual and I can only drive auto) if I want to go anywhere. This will become more of a problem as things get less restricted with covid.
  • I feel like he's had it too easy, and we aren't doing him any favours at the moment. He's getting everything done for him, getting lifts when he wants them, and I don't think it's good for someone to get everything handed to them on a plate. He will have no idea how much he costs to insure, or how much fuel costs, he just expects it to be there, waiting for him, like everything else has been in his life so far.

DP has told me not to worry about it, and that he'll just have to wait until he earns his own money - but stepson is pushing and pushing the point. He seems to think it's incredibly unfair that he's 'worked so hard' to pass his driving test (which he hasn't yet! Plus we paid for all of his lessons!) and I have a car sitting there doing nothing (it's not always doing nothing...) when he could be using it.

We've had so many discussions about this that I currently want to scream at him that it's my car, I've paid for it, and why doesn't he ask him mum for a car if he's that concerned? (She has the same opinion as us - he doesn't need one yet!)

It's so frustrating to hear some of the things he's coming out with about why we're unfair, when he's falling behind with his college work in preference to sitting on his bum playing games all evening, skipping college to walk round town with his mates during a lockdown and refusing to get a job because he couldn't possibly do that AND his college work!

DP is trying to make him take responsibility for himself as he fully recognises he's done too much for him over the years, but it's not easy.

I just need some perspective on whether IABU on this particular issue though, as I think past issues are clouding my judgement somewhat!

OP posts:
JacobReesMogadishu · 04/12/2020 09:51

You might not be able to. My insurers won't insure under 25s. If I'd moved insurance company it would have cost an extra 2k for insurance.

We ended up getting an old, small, cheap car for dd and insurance was still £1400

LaurieSchafferIsAllBitterNow · 04/12/2020 09:52

get some quotes, they will probably be so ridiculous that will put a severe crimp in their plans.

or better still get dh or your stepson to get quotes, don't trouble yourself.

JacobReesMogadishu · 04/12/2020 09:53

And even if you can, I still wouldn't. Dd is careful and I trust her as much as I do any new driver but I was still reluctant to ensure her on my expensive car. If she dents her old banger we won't fix it but a dent in my car I'd have wanted to repair.

LemonSqueezy0 · 04/12/2020 09:53

Past issues should 'cloud' your judgement, that's how you reach informed judgements and decisions. He should learn that not everything gets handed to you on a plate, and that people can make their own decisions, rather than just being there to facilitate his needs. There's no reason you should feel more obliged than his own parents do! Say no, and feel guilt free about it.

Alexandernevermind · 04/12/2020 09:54

I don't really see it as an issue. His actual parents aren't letting him on their insurance, and they aren't expecting you to put him on yours. The only pressure is from the child to whom you are entitled to say no, just as his parents have.

Dontpasstovardy · 04/12/2020 09:55

I wouldn't want a teenager driving my nice car.

He'll have to save up and get himself a banger.

Dontpasstovardy · 04/12/2020 09:55

What about his mum?

debbs77 · 04/12/2020 09:56

My daughter is 16 and has known for years that money is a two way street. For every pound she saves and puts towards lessons, car etc, I'll match it.

Then I met my partner and he said he would match it too.

But she is one of life's crafters and NEVER takes anything for granted.

UghNotThisAgain36 · 04/12/2020 09:57

Fuck no.

RealMermaid · 04/12/2020 09:57

If he wants a car he can get a job evenings and weekends and save up for it

BarbaraofSeville · 04/12/2020 09:57

YANBU but also curious as to how many posters are going to try and paint you as the unreasonable wicked stepmother and how you must hate and resent DSS.

Plus if you hardly use your car and he wants to use it for college, he'd have to be named as the main driver, which is likely to be £££s.

And as many inexperienced drivers have claims shortly after passing their tests, it's likely to spoil your insurance record and cost more in increased premiums for years to come.

MrsHuntGeneNotJeremyObviously · 04/12/2020 09:57

He's got two parents - this is their problem to sort. I don't see why the only person who isn't his parent, should be the one taking the risk that their car will get trashed!
My DS passed his test and had to wait a year until he could buy his own car. You are already housing and feeding him (which is as it should be) but you are under no obligation to give him access to your car too. All new drivers put a ding in their first car, so if yours is a decent car I'd not recommend letting him drive it.

comedycentral · 04/12/2020 09:58

If he's in the position to use public transport then he needs to continue with that. Not leech from you. It won't be yours anymore if this starts. Don't give in.

Nottherealslimshady · 04/12/2020 09:58

God no. He can save and buy his own car.

He sounds like a right brat aswell. Even if I was going to I wouldn't now he's demanded it.

raspberryk · 04/12/2020 09:58

He’ll have to save up and buy an old banger like I did when I was 17, it was only the really spoilt and or rich kids that had parents cars insured or cars bought for them when I passed my test. Mine was all my Saturday job, babysitting, ironing and birthday/Christmas money I’d been saving.

StopGo · 04/12/2020 09:59

Your DP has told you not to worry about it, the lad's DM is off the same opinion, DSS is too young. Listen to them both and don't undermine them.

Lazypuppy · 04/12/2020 09:59

He needs to get a job and buy his own car. Not sure why he has to wait until after college?

Me and my friends got jobs at 16, and i had bought a car when i was 17 so i learnt to drive in and then could obviously use it when i passed a few months later

2pinkginsplease · 04/12/2020 09:59

I’ve not insured either of my own children for our car, they have both been told that they would need to save for their own car though we would help them.

Our car is far too big and powerful for a new driver!

Malteserlover50 · 04/12/2020 10:00

Your putting too much pressure on yourself. A simple no is all you need to tell him. If he keeps on and on tell him to speak to his parents. If he goes on to anyone it should be to them.

If he still goes on, tell him to sock in at college, get a job and save his money to enable him to buy a car himself and insure it.

Malteserlover50 · 04/12/2020 10:01

*stick in at college

PhilCornwall1 · 04/12/2020 10:01

Our eldest is learning to drive, zero chance he is going on the insurance for the car we own.

He can't go on my company one anyway.

TrickyD · 04/12/2020 10:02

Have a look at this company. They specialise in insurance for young drivers using others’ cars.

LindaEllen · 04/12/2020 10:02

@Dontpasstovardy

What about his mum?
She works full time like my DP and given that he only sees her EOW it wouldn't make any sense at all for him to be insured on her car. I mentioned in my post that she agrees with us that he doesn't need a car .. but she's not the one putting up with the stress over it at home!!

--

Thanks to everyone who's replied. I can't believe so many of you have replied so quickly.

The person who mentioned the 'wicked stepmother thing' has hit the nail on the head for me. Since moving in with DP I have done everything I can to NOT be that person, even though it's been hard at times with him being a teenager, as it's not like coming into a child's life when they're young and welcoming.

But I am an overall positive influence in the house and his life has improved with me being here (DP works a lot as I said, so at least now stepson has an adult in the house at all times, more company, more support with college work etc - not DP's fault, he has to work) so I refuse to comment if anyone ever pulls that card on me.

I just sometimes get a bit wary of being viewed that way, and I actually did think to myself 'oh god, am I a wicked stepmother? If he was my child, would I let him drive my car?' and I don't know the answer to that question because that's not the situation I'm in ..

But you have helped me with the perspective, thanks all :).

OP posts:
Beamur · 04/12/2020 10:02

It's a no from me. Neither of our teens went on the insurance. DSS never managed to pass the test, DSD did and her Mum had a little runabout car she put her on. We couldn't afford it even if we'd wanted to. DSD is actually a good driver and very considerate about her use, but we were all quite relieved DSS gave up!

LindaEllen · 04/12/2020 10:03

Also would like to point out that I'm aware I might sound a bit pathetic, but I suffer with anxiety so tend to need a bit of reassurance that I'm making the right calls etc - particularly with things to do with stepson as I've never had the personal experience of having a teenager before!

OP posts: