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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:
TheGoodEnoughWife · 04/12/2020 10:45

The thing is now @SpaceOp the insurance to put a young person on is so expensive because they got wise to the 'fronting' that was going on. It is only worth putting him on if he is going to use it a lot and that gets back to it being hassle for the op.

Maray1967 · 04/12/2020 10:46

PS again , yes , if you go ahead you have to set the expectations re use. Mine walked to school so not an issue then. I always have first call on it unless it’s requested in advance. He always asks - I have never come home and found it gone. But he’s at uni now so not here half the year anyway, but we’ve always managed fine over summers. If he started with the entitlement he would not get it renewed and he knows that.

HoppingPavlova · 04/12/2020 10:47

Will he have access to any car though? You can’t learn to drive, pass a test then not drive a car for ages while you save up and then get in and drive it. It doesn’t work that way, they virtually need to start over and no point them doing it in the first place. I don’t necessarily think he should be signed on to your car but if he won’t have access to a car I’m stumped as to why you would encourage him and get him lessons. Seems very odd.

TicTacTwo · 04/12/2020 10:48

Did his parents have a chat with him about what would happen after lessons?

I'm a single parent and my oldest has had to wait until he was 19 to do lessons etc because I couldn't afford a car and insurance for him when he was 17. He's had his test cancelled 3 times because of COVID and now awaiting his test in March. If he passes he'll get a car at that point.

Rainyrainrant · 04/12/2020 10:48

No way should you let him.
He needs a part time job to save up for his own, help him insure that if you feel generous but make it clear you won't find to excess or a higher premium if he has an accident (which he most certainly will, even if it's a scratch he doesn't need to report).
And tell him in no uncertain terms there's to be no more whining about using your car.

MrsExpo · 04/12/2020 10:48

For reference, my neighbours have just insured their teenage son to drive an old banger and the insurance costs more than the car - around £110.00 per MONTH!! I notice today that said old banger has a huge dent in the rear end, as if it's been backed into a post. Just say no.

TicTacTwo · 04/12/2020 10:49

It would be perfectly fine to say no imo.
Do you really want to start arguing with ss when you both want to use the car? You shouldn't have to justify to him why you need it and you're going to be faced with emotional blackmail about college.

TinkerPony · 04/12/2020 10:51

No. I never drove my parents cars always instructor's and then my own old cars until 15 years later i treated myself to a newish car. I also waited until i was over 25 before I apply for my 1st provisional licence. I dip in and out of lessons over two years no hurry to pass. Somehow got into my head that I thought insurance would be cheaper over 25 so I aim for that it wasn't true. Cost me over a grand to insure 1st car but glad I waited and saved. Sort of reverse psychology on myself lol.
Seriously no hurry. 17 too young but if he get a job and save to buy own car there is nothing to stop him.
How long this bus journey to college?
Mine was a 40 mintutes trip and I got lift from parents to catch bus from local town to college town on their way to work which was early so i was always at least 30 mins early at college but it was a good practice long term being early on time, no rushing etc. Plus handy for extra 40mins snooze on bus.

gingergiraffe · 04/12/2020 10:52

None of our three ever went on our insurance. We paid for all driving lessons and tests and they all passed when 17 or 18. Youngest bought first car at 17. He needed to drive for his job. Sadly wrote it off within months. Second child bought first car in late 20s, and daughter, at 36 has only just bought her first car. The younger two live in a city with good public transport and frankly could not afford the luxury of a car for pleasure purposes.

Do not feel under any pressure to put SS on your insurance. He needs to save up. Insurance on 17yr old son’s first car was £2,000. If he buys his own, he will take better care of it. Why should you potentially sacrifice a car you have worked for and deserve? The young should not expect to get it all on a plate without putting in some effort to achieve it.

MathsFiend · 04/12/2020 10:52

When I passed my test at 17 my mum did put me on her insurance. But I didn’t get to use the car whenever I wanted, I still had to get public transport to university etc. I got to use is occasionally when she wasn’t using it, or with her in the car. I think it is important that a new driver gets the chance to continue driving once they have passed their test otherwise they will struggle to be a confident driver. When you are learning, you are being coached to pass a test- you then need practice after this to become a good driver.

IMO, your DP should put him on his insurance and let him use the car occasionally- and initially, only when your DP is also In the car with him. DP should also put him on the insurance now and take him out for practice, it’s much harder to pass if you only have the weekly lessons. Going out on drives outside of this helps build up confidence.

MustardMitt · 04/12/2020 10:53

If both his parents are of the opinion that he can wait till he has his own car, then just forget the angst and direct him to his parents with his arguments - your answer is no.

I knew one person who had the use of a parents car when they passed their test - everyone else waited until they could buy one themselves, normally with help to pay for insurance!

MandalaYogaTapestry · 04/12/2020 10:55

I wouldn't put my own son on my car insurance because I simply believe that he doesn't need to drive or to have access to the car right now. Nothing to do with "hatred", everything to do with expensive cover and common sense.

thenightsky · 04/12/2020 10:55

You might find he won't want to drive an automatic anyway.

SATSmadness · 04/12/2020 10:56

Surely your stepson is at school whilst your dh is at work so not having access to dh's car during the working day shouldn't be a problem.

Dh's car will be free in the evenings/weekends which may be when stepson mostly wants to us it so maybe you could deflect it back onto your dh ?

Soundbyte · 04/12/2020 10:56

I agree re: not putting him on your insurance and letting him use your car but what was the logic in paying for him to learn to drive if he doesn’t have a vehicle to use afterwards?

Stoic123 · 04/12/2020 10:57

Agree with many PPs. He should save up for a cheap runaround that will be (as much as can for a 17 year old) reasonable to insure and run. He'll need a job to do this. You & his DD can help by chipping in a bit as Christmas/birthday presents.

GETTINGLIKEMYMOTHER · 04/12/2020 10:58

For a start, the insurance will cost a fortune.

Having said that, what my sister did with her son at about the same age was to let him drive it but if there was ever even so much as a small scratch, that would be It. No arguments. No protesting that it wasn’t his fault.
It worked with him.

Carlislemumof4 · 04/12/2020 11:00

No, absolutely don't put him on your insurance and let him drive your car. I don't think your DP's being that great though, he's shirking the responsibility of putting his foot down with his DS by saying it's up to you and he'll pay the difference on the insurance if you decide to go ahead. Bit of a guilt trip from him too?

However, there's absolutely no point in your DP having his DS learn to drive, paying his lessons and test then leaving him in a position where he gets no practise at all once he passes. To be a safe, confident driver he needs to drive regularly. And let's face it, it's not an easy time for your SS to go out and get a part time job in hospitality or retail to fund an old banger.

So I'd say he needs to go on his Dad's insurance so he can drive the odd time at weekends and keep up the skill, have that occasional independence. If you're going out as a family get your SS to drive with you both as passengers, again for practise.

He needs to continue getting the bus to college though.

dontdisturbmenow · 04/12/2020 11:01

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
Not one!

MeridianB · 04/12/2020 11:02

No. With bells on. YADNBU.

He may not even pass his test and I agree insurers may not cover him, but these are asides as there are so many good reasons not to give him access to your car. In no particular order:

*You don't want to. And neither do his parents.
*He contributed nothing to his lessons but sounds arrogant rather than appreciative. Who paid?
*No job, no plans for a job. If he was a hard worker who came to you and DH with a plan to pay his share of the insurance premium, I'd have a lot more respect for him. He sounds like he just expects this.
*If he has no job how would he pay for petrol, damage etc?
*Constant rows over him forgetting to top up petrol, clear up rubbish, not disappear with car - so constant stress for you.
*Totally agree that when he does start to drive he should drive a manual as much as possible and not jump into an auto, so he can develop the skills to drive properly in a manual.
*The fronting issue is real
*He's 17 and pretty much everything you predict is likely to happen, especially the car not being there when you want it. I think new teen drivers over-filling cars with mates is horrifying and they have no understanding of the impact on handling and braking, quite apart from the distraction. If he starts driving to and from college in winter then giving lifts to mates is very likely.
*Is it possible he knows you get anxious with confrontation and is playing to that?

Finally, please, please, please always hide your cars keys and spares where you know he won't find them.

amusedbush · 04/12/2020 11:02

@HoppingPavlova

Will he have access to any car though? You can’t learn to drive, pass a test then not drive a car for ages while you save up and then get in and drive it. It doesn’t work that way, they virtually need to start over and no point them doing it in the first place. I don’t necessarily think he should be signed on to your car but if he won’t have access to a car I’m stumped as to why you would encourage him and get him lessons. Seems very odd.
I passed my test in 2015 and didn't drive again until early 2019, simply because I was nervous and didn't want to. I got right into the car and drove home and I've driven almost every day since then, including on the motorway, in busy cities and on country roads.

It was like riding a bike.

CharityDingle · 04/12/2020 11:04

Make it clear that this is not up for discussion. It's not happening.

If his parents want to put him on their insurance to drive their cars, that is up to them.

CheetasOnFajitas · 04/12/2020 11:07

@Soundbyte

I agree re: not putting him on your insurance and letting him use your car but what was the logic in paying for him to learn to drive if he doesn’t have a vehicle to use afterwards?
It makes sense for the parents to pay to equip him with a durable life skill, and for him to learn when he has the time to do so. As he’s not on the insurance already as a learner I presume that neither parent is taking him out for practice but for some people the ability to practice with a parent is another reason to learn at 17.
CheetasOnFajitas · 04/12/2020 11:09

@HoppingPavlova it’s also much easier to do a few refresher lessons later in life to get you back into the swing of driving than it is to start the whole learning/test process as a busy adult.

ForTheLoveOfCatFood · 04/12/2020 11:09

To be honest I expect the cost of adding him to your insurance would be more than buying a cheap car