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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:
GeminiRising · 04/12/2020 10:05

We bought my daughter a cheap runaround (£250) just for her first year after her test which she taxed and insured herself. She also saved hard and upgraded that car after a year.

However she worked from the age of 14 and always saved for whatever she needed, even through college and university.

PhilCornwall1 · 04/12/2020 10:06

I've never had the personal experience of having a teenager before!

I wouldn't worry about that, teenagers aren't human!!

Newkitchen123 · 04/12/2020 10:08

No
This is how entitlement starts.
He's 17
He doesn't need a car or use of a car. He just wants it.
Mum and dad have both said no so that should be the end of it.
When I passed my test at 19 my parents helped me buy an old car on the understanding that I had a job and paid for the insurance, tax, fuel, upkeep etc. I had a weekend job in a shop and two bar jobs.
Just because your car is on the drive it doesn't mean he can use it. Presumably dad doesn't work 24 hours a day he has days off and he's not letting him use it then so it's no different.
Don't put yourself under any pressure

hellsbells99 · 04/12/2020 10:08

We did buy a small oldish car for my 2 DDs to share as it benefitted us in terms of not having to give lifts. But we live quite rurally with next to no public transport - which is our choice. We don’t regret this as all but this was within our financial means. If we could not have afforded to, then we wouldn’t. They do know how fortunate they are.

TheDowagerDuchess · 04/12/2020 10:09

No, definitely don’t do it.

He can be on his dads insurance and just drive at weekends if he needs to be on anyone’s. He doesn’t need 12/7 access.

ivfbeenbusy · 04/12/2020 10:11

No I wouldn't personally. Not unless there was a strict agreement about who pays for the additional insurance premiums, putting petrol in it, keeping it clean, not to mention ensuring payment for any damages. Oh and I would insist a black box goes on it so it might make him rethink driving like......well a teenage boy!

Think you might struggle anyway - my DH learnt to drive very late in life and insurers refused to
Put him on my car for the first 6 months of his licence? (Not sure the logic of this since he would then have no driving practice for 6 months 🤷‍♀️)

If you drive an old banger which you didn't mind the odd scuff and scrape and he'd be hard pressed to drive like a boy racer in then I'd be more amenable

LindaEllen · 04/12/2020 10:11

@Newkitchen123

No This is how entitlement starts. He's 17 He doesn't need a car or use of a car. He just wants it. Mum and dad have both said no so that should be the end of it. When I passed my test at 19 my parents helped me buy an old car on the understanding that I had a job and paid for the insurance, tax, fuel, upkeep etc. I had a weekend job in a shop and two bar jobs. Just because your car is on the drive it doesn't mean he can use it. Presumably dad doesn't work 24 hours a day he has days off and he's not letting him use it then so it's no different. Don't put yourself under any pressure
No he doesn't work 24hrs a day but SS is harping on about needing it to get to college to save him the 'ridiculous bus journey' and that wouldn't fit with his working hours.

I am of the firm opinion he should be getting a job, but what can you do? We can't force him!

Cheers for your reply :)

OP posts:
Newkitchen123 · 04/12/2020 10:13

Do enlighten us as to how ridiculous the bus journey to college is lol

CoffeeBeansGalore · 04/12/2020 10:14

It's your car. It's up to you. Personally I wouldn't. Eldest 2 dc we have not put on our insurance. We did buy each a small cheap car to learn in and get their mistakes out of the way. Eldest bought their own car when earning enough to pay for it, pay own insurance etc. Makes them appreciate it more when their own money is paying for it.

maybemu · 04/12/2020 10:16

Quick answer

NO

He is spoilt. He is going to tell you how unfair it all is. He is a teenager. Let it be water off a ducks back and get a job to get his own car.

WeAllHaveWings · 04/12/2020 10:16

If he wants to drive it I would let him, but I would tell him driving requires maturity and he needs to prove that to you he can be mature and responsible. Whinging about something being unfair and doing nothing about it just proves your point. The option is there to drive it, it is his choice and he would need to:

  1. Get a job and pay the insurance difference (he'll get a fright when you see how much it is for a new driver!). It is likely it will take him quite a while to get a job and enough savings to show he is serious about paying insurance. He is more likely to take responsibility for something if he has to work for it. If you or your dp feel kind you can give him cash for Christmas/next birthday towards it (not all! make sure he still needs to earn the rest)

  2. He accepts it is your car, regardless of how much he has paid to the insurance and he must respect that. If not he saves and buys his own car. You always get first dibs on it and he must always leave your car the way he found it. First time it is left in a mess he will not be allowed to borrow it again regardless of how much he has paid in insurance.

  3. He will pay for his own fuel.

  4. While he is working to save for insurance it is expected he shows how mature and responsible he is with 100% attendance at college (bar illness) and studies hard.

  5. Any damage caused by being irresponsible (spill back seat and needs a deep clean, damage to interior etc) he pays for.

Tell him you have explained what he would need to do to get driving and you won't discuss again.

There is a risk he will bump it, but that is the risk you take when your children start driving and insurance should mostly cover. To me it makes no difference he is a step child, cars are joint ownership in our house.

Puzzledandpissedoff · 04/12/2020 10:16

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

This - especially as his DM agrees he doesn't need a car right now
He'll target you as the one who tries to be "nice" and who's most likely to provide what he wants, but one of life's important lessons is that we can't always have what we want, excatly as we want it, all the time

wannabebetter · 04/12/2020 10:17

Also, he'd be better honing his driving skills in a manual car for the first few years before driving an automatic - you could use that as part of justification for refusing (not that you need justification)!!

Rainbowshine · 04/12/2020 10:17

No you have no obligation to insure him or let him use the car.

I would like to say, hide your keys. Having looked after company car fleets in my past I have had lots of occasions when teenagers took their parent’s cars without permission. They simply picked up the keys from a table and got in the car. They didn’t care just wanted to show off to their mates. One wrote off the car and collided with another, it was a right palaver sorting that out as they weren’t insured. Police were involved as well as the leasing company and insurance company.

northbacchus · 04/12/2020 10:17

If he's using your car to get to and from college, that would mean your car is no longer accessible to you until he's back from college! If he dents it or does anything clumsy to it, it's also then out of action whilst getting fixed. I'd say that's too much time that you wouldn't have access to your own car, which you have paid for.

The reward he gets for working hard to pass his driving test is the driving license. You're not being cruel, you're being practical.

BestestBrownies · 04/12/2020 10:17

If it helps to assuage your feelings of guilt (he clearly knows all the right buttons to press, because you shouldn’t feel guilty AT ALL), just imagine him and his mates wrapped around a tree in your crushed beyond recognition car. Because that’s what will happen if you allow him access to it.

DreadingSeason2020sFinale · 04/12/2020 10:18

Ha! I wouldn't put my own children on mine!

SeaToSki · 04/12/2020 10:20

DSS. Being on the insurance for my car is a great responsibility. It is a valuable asset both in money and convenience and your past history has not shown me that you would be careful and thoughtful about the privilege of being able to drive it. However, people can change and so I am going to set some conditions and when you meet them we will get some quotes to consider putting you on the insurance if the quotes are less than 200 pounds per year (adjust money to whatever you think reasonable)

  1. You need to save enough money each week for the next 8 weeks to show you can afford to pay for your own petrol. This is 20 pounds
  2. You need to keep your room tidy and clean for the next 8 weeks to show me that when you know its important, you will pay attention to keeping an area tidy and clean (like my car)
  3. You need to go to every College class and complete every piece of set work for the next 8 weeks. This will show me that you are able to follow rules and meet expectations. This is essential when driving a car

Then see what happens, if he meets expectations, then it shows he can step up and you can hold him to a higher standard and he is ready for the responsibility. If he doesnt meet the expectations, you hold the line and dont insure him. If he whines, just offer to restart the 8 week test for him to try again.

buckingmad · 04/12/2020 10:26

YANBU. I was lucky enough to be handed down my Dad's old mini (which he bought with the intention of passing down to me) but I funded it, I insured myself, paid for repairs, paid for MOT, petrol, services etc.

If he wants a car he can go buy himself a car. Is he not working now because you don't want him to work and study at the same time or does he not want to work and study? I worked 20 hours a week at House of Fraser whilst doing my A-levels and then had jobs during uni.

Margie70 · 04/12/2020 10:27

Absolutely don’t put him on your insurance! He should be grateful that his driving lessons have been funded and lose that sense of entitlement- he could get a part time job and save for a car - and you could all agree to match his savings when he’s ready to buy a car and cover his own tax and insurance- sometimes it helps to wait for rewards! Anyway he shouldn’t count his chickens - he needs to pass his test first.

Ironingontheceiling · 04/12/2020 10:27

That would be a no from me.

Apart from anything else, if he’d be the main person using the car the most, he has to go first on the insurance and that will cost a bomb. To do it with you as main driver and him named is fronting and illegal.

Justbeing5 · 04/12/2020 10:28

DP insures his car and takes your car to work on days (prearranged and agreed by all).

wizzbangfizz · 04/12/2020 10:28

Yanbu I wouldn't do it in your shoes either.

DuesToTheDirt · 04/12/2020 10:28

Looks like I'm in the minority here as I would do it, just set some rules on mess in the car etc, and he has to ask before taking it in case you want it. But you mqt find that quotes are prohibitive anyway,

WattleOn · 04/12/2020 10:30

I wouldn’t let him use my car in your situation so I don’t think you are being unreasonable.

If you want to be seen to be going the extra mile, however, (and there is no obligation on you to do that), consider buying or chipping in for the cheapest car available. In my case, it was a £500 VW polo. You (and his father) could buy him the car but he would be responsible for insurance and running costs. That might motivate him to get a job?