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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:
BeepBoopBop · 04/12/2020 10:31

Stop letting him bully you. He is trying to wear you down with his nagging. Just tell him no. And the answer to "whyyyyyyyyyyy not?" is "Because I said so".
If he wants a car that badly, he will need to earn some money and save up for one.

EveryDayIsADuvetDay · 04/12/2020 10:31

I once considered putting a friend on my insurance (we were going away together, would have been convenient).
She was in her 30's, her profession meant that it would have actually reduced my premium - then she merrily said that she hadn't driven ever since passing her test nearly 20 years before.
Rapid change of plans!

Say no - his parents have.

Chloemol · 04/12/2020 10:31

I wouldn’t. If his father wants to put him on his car to use Wy weekends then that’s his choice

TicTacTwo · 04/12/2020 10:31

My teens were expected to pay some of the £££ of driving young. They both have jobs and contributed to the lessons too.

Have you worked out the cost of insuring him on your car? Unless it's very small it's going to be silly money.

Newkitchen123 · 04/12/2020 10:32

@Ironingontheceiling

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.

Excellent point!
EveryDayIsADuvetDay · 04/12/2020 10:32

@Justbeing5

DP insures his car and takes your car to work on days (prearranged and agreed by all).
that sounds very sensible! (depending on DPs driving!)
WattleOn · 04/12/2020 10:33

The reward he gets for working hard to pass his driving test is the driving license.

Yes.

I think you should tell him exactly this.

billy1966 · 04/12/2020 10:34

Not a chance would I do it.
He has two parents to hand over their cars to him.

He sounds extremely spoiled.

If any of mine were like him, messy, careless etc..there isn't a chance they would get near my car, at 20, certainly not at 17.

You do not OWE him your car.

"I don't want to share my car with anyone" should suffice.

You need to tell him the subject is closed and tell your DP to speak to HIS son.

Flowers
billy1966 · 04/12/2020 10:36

Both his parents have the option to do this and hand THEIR cars over to him at the weekend.

Are they doing that???🙄

Hopeisnotastrategy · 04/12/2020 10:36

Channel your inner Zammo and Just Say No. Don't entertain any moaning either, why should you have to put up with it?

Maray1967 · 04/12/2020 10:36

Set the expectations re his college work etc but check out first what it will cost . Tesco will insure under 21s but get ready for a shock- mine has 1 year no claims and it’s still £800 on top of my £300 and we get staff discount. I have a pretty basic fiesta in Liverpool- other areas will be cheaper but I doubt you’ll find it very cheap. When he was first insured we paid about £1300 for him. Why did we do it? DH drove from 17, they both love cars, saves taxi driving him, but - he was hardworking at school, doing well, had Saturday job at Tesco etc. Yes, I still have to pick up the odd empty coke bottle but it’s not bad. If he was behind at college and lazing about - not a chance.

Ultimatecougar · 04/12/2020 10:36

An automatic car isn't suitable for a driver with a new manual licence. And if it's more than 1 litre you may find you can't insure him on it anyway. I wouldn't do it even for my own children.

AryaStarkWolf · 04/12/2020 10:37

No way would I share my car with a 17 year old especially one who I couldn't be confident to be careful with it. You would be setting yourself up for constant battles as well. If you want to take the car say to go have coffee with a friend and he says but I want to drive to college, that's more important so basically you'd end up having to have a "good reason" to drive your own car. Not a chance. Like PPs his own parents won't do it, why the hell should you?

LimpidPools · 04/12/2020 10:38

You're not being unfair. He needs a banger.

Firstly so he doesn't mess up your car. Secondly so you can make him take financial responsibility for it. (At least the fuel!) And thirdly because a large part of learning to drive takes part after you pass your test and, as a pp mentioned, your automatic is no help for that.

That said, it's no use him having nothing to drive for months or a year after he passes. That's how people end up with a licence but unable to drive, because they've forgotten what they learnt. And if he passes, doesn't drive for 6 months and then gets in a car, it's going to be really dangerous.

If he doesn't need a car at this stage, he doesn't need his licence yet either. Both need to happen at the same time.

Movinghouse2015 · 04/12/2020 10:39

I did not insure my daughter on my car for the same reasons you mentioned in your post.

My DD is in 6th form and has a part time job.

She was due to go in a school trip that was cancelled and refunded. We used this to purchase a cheap car. Insurance was still £1500. However, with continued changes in her school hours it has been helpful that she can get to school independently and have to rely on public transport, so it has turned into a positive.

She is saving a percentage of her salary each month for her insurance next year and also got her Child Tax Fund, which is in her car account for a service and any additional running costs.

I would not if purchased a car if she had no job or the child tax fund. We did a budget with her, so she fully understood the financial commitment prior to getting the car.

Gregariousfox · 04/12/2020 10:39

Say he can drive it if he gets a job and pays the additional insurance himself (he won't) in advance plus any excess if he has an accident and any additional premiums as a result. Anyone by the time he saves up the thousands of pounds from his minimum wage job he might be a bit more mature.

GreenFingersWouldBeHandy · 04/12/2020 10:40

He needs to get a part time job, save up and buy an old banger. It's a rite of passage!

And he should stop whining like an entitled little brat.

I think you're right to refuse to put him on the insurance.

Gregariousfox · 04/12/2020 10:40

*anyway

froubylou · 04/12/2020 10:40

Nope. He should be able to buy a cheap runaround for a few hundred quid, friend of mine bought a little corsa for £600. That's adequate and if he is anything like my kids will have received Christmas and birthday money, if it's not affordable now it soon will be. And to run it he will need a job. It's as simple as that.

I'd get either his mum or dad to sit down with him and go through a plan so he can buy a car by a certain date if he doesn't work and a certain date if he does work. Then when he mithers you, refer him back to his plan.

SweetPetrichor · 04/12/2020 10:41

I wouldn’t simply because I wouldn’t want a new driver, especially a new male driver, driving my good car. Although I also don’t think it’s a good idea for a newly qualified manual driver to drive an automatic. I think that’ll make it harder to jump back to a manual in the future since the technique is not really ingrained yet.

Ilovecharliecat · 04/12/2020 10:41

I pay just over £200 a year for me and DH fully comp, to add DS2 who is 18 it would cost an extra £600 - sod that! However we are fortunate to be in the position to purchase a car for DS1 & DS2 when they passed their tests, it was on the understanding that they insure them

Maray1967 · 04/12/2020 10:41

PS those costs are with the black box to monitor driving - probably not possible without. That does mean it’s monitoring your driving as well - and they’re hot on the 20 mile streets so if you go ahead be careful. Tesco threaten withdrawal of cover if the car is being driven badly.

TheGoodEnoughWife · 04/12/2020 10:42

Definitely not unreasonable. I haven't put any of my own children on mine so don't think it would be different if he wasn't your step son.

Before you know it the car will be out everyday sitting at college and you will have to ask his permission to have your own car!

He shouldn't be driving an auto straight away he needs to get experience in a manual.

The insurance is likely to be massive! We could easily be talking 1-2k for something that doesn't benefit you at all.

Just Say No. the more you umm and ahh the more he thinks there is a possibility and the more he will hint/ask. Straight no. If his parents want they could let him have their car at the weekend. Not your problem!

SpaceOp · 04/12/2020 10:42

I haven't read all the comments so apologies if this has been asked before but... why does it have to be all or nothing? When I got my drivers' license I was added to my parent's car but it was THEIR car. I had to ask permission to use it and I was always number 3 on the pecking order - ie mum and dad got first dibs and then, if they didn't need it, THEN I could use it (with the occasional negotiation for a particular reason.

Ditto, keeping it clean/fuel etc - If I returned it in a mess, I was expected to clean it up or I didn't get to use it again. I can't remember exactly but I think I had to put petrol in every now and again or give my parents some cash on an ad hoc basis. Certainly, if I had negotiated taking the car for a weekend or whatever, I was expected to return it full of fuel.

At that age, I wasn't expected to pay excess etc if there was an accident, but that's something you and your DP would have to agree. But, when i DID have an accident, I can assure you that my parents might have paid the excess but I ddi not get away scott free!

I see no reason why adding him to the insurance means he then starts taking the car to college every day or whatever. That just seems bizarre to me.

Chewbecca · 04/12/2020 10:45

Going slightly against the majority here, I DID put my SS on my car insurance when he passed as a teen. Compared to his mum & dad's cars, mine was the most suitable for him to borrow and the least used so the most available. I knew I would have done the same for my own DS.

He didn't get to use it willy nilly, certainly not daily for college leaving me car-less. He would just ask on occasion if it was convenient, sometimes it was, sometimes it wasn't. He also knew he had to keep it in good condition. He did break the wing mirror once which I was pretty peeved about, but he paid for it to be mended. Thankfully nothing worse happened.

So I wouldn't rule it out. There needs to be recognition that it is your car and he is only borrowing and he needs to agree to show respect for the car.

Sometimes with teens I think it is like dealing with toddlers, if they're being sods, don't battle, do the overkill with love and kindness thing and treat them like adults and they behave like one. And bribery Smile