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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:
BrigitsBigKnickers · 04/12/2020 11:09

Compare the ridiculous bus fare with the cost of tax, additional insurance ( which will be astronomical and will come with a huge excess) and petrol...

Oh and if a young person is a named driver rather than the main driver there are usually limits on how many times a week it can be driven so driving to and from college every day plus out with friends will no doubt be more than what could be deemed "occasional use..." If he had an accident you might find he's not covered anyway- insurance companies have ways of finding these things out!

Absolutely no way would I do this- stick to your guns.

nosswith · 04/12/2020 11:10

I agree with you and DP to say no. Plenty of reasons including cost.

Try and shut down the conversation as quickly as possible. No is a complete sentence.

WhereYouLeftIt · 04/12/2020 11:10

''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 ...''
Actually, he worded it in such a way that shifted the responsibility from him to you, which I think was quite shitty of him. What he should have done is tell his son that he wasn't going on his insurance nor yours and not to pester you because it isn't going to happen. He didn't, and here you are now stressing about it because he didn't take responsibility. He knows you've got anxiety, right?

''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 ...''
And this is leaving you open to your stepson trying to manipulate you, make you feel bad about saying no. I think it's time you asserted yourself a little more. You are not a wicked stepmother. You do not exist to make your partner's and your stepson's lives the centre of your attention, you are a person in your own right and what you want matters just as much as what they want.

So, tell your stepson NO and mean it. You don't have to justify it. Tell your partner to be the parent here and tell his son that your car is off limits and that this conversation is not a negotiation. It's his responsibility.

AnneLovesGilbert · 04/12/2020 11:11

No. Obviously no. And I’m glad you’ve had sensible comments.

mcmooberry · 04/12/2020 11:11

Not on your nelly would I do this for my son or SS, have just said to my DH after reading this that our DS better think about getting a job soon (he is 11) as he needn't think we are buying him a car and insuring it! Maybe one or the other, not both. Your DSS's expectations should have been managed well before this point.

Nanny0gg · 04/12/2020 11:12

The person who needs to make it absolutely clear that it's a No is his father.

CheetasOnFajitas · 04/12/2020 11:12

You’ve got a really compelling case for not putting him on the insurance so I think it is a shame that your DH is not prepared to sit down with his son and back you up when you say no. Just telling you that “it’s up to you” and leaving it at that simply opens you up to whines from the boy about you being a bad stepmother.
The driving every day to college idea in particular is ridiculous, that needs to be squashed definitively. I’m surprised that your DH has not pointed out to his son that expecting you to give up your car all day every week day is completely unreasonable.

PurpleMustang · 04/12/2020 11:13

It sounds that through circumstances he has had a very easy ride money wise. But he is not being responsible for the things he should be, his own education. I would say that he needs to show he can be responsible before getting anywhere near my car, if that is what I decided. And that he would need to pay for the extra insurance and petrol if he didn't get his own. If as parents, it was decided rather he concentrate on study and not have a job then I would expect his to do chores around the house to earn the 'pay'. Sounds like he probably needs to learn how to be an adult anyways. Also be aware, as happened to me if you add someone part through your payment year, I lost my no claims for that year as it 'changed' my policy but the company did not tell me at the time. If this did at all go ahead I would insist on a black box insurance policy too, as if the driver behaves it brings the insurance down. Would help a bit with the worry

BitterAndOnlySlightlyTwisted · 04/12/2020 11:13

If he’s spoiled with an inflated sense of entitlement this is your opportunity to teach him a valuable life-lesson in saying “hell no!”.

We all know what will happen if you give in:

A heart-stopping increase in insurance premiums which he has no way of paying for currently.

He’ll never put fuel in it for the same reason.

He’ll never contribute towards servicing, that will still be your responsibility even if you never get to drive it.

In his mind it will become his car and you’ll rarely get to use it. When you do need to use it, it will become resented.

He’ll be whizzing about in it with his pals and I give him 3 months until it’s damaged.

He’ll never keep it clean and tidy and will resent any complaints about how he treats “his” car.

ArtemisBean · 04/12/2020 11:13

Everything @WhereYouLeftIt said.

Retiremental · 04/12/2020 11:13

As long as the ‘no insurance for teens’ applies to all children in the family, now and in the future, then it’s perfectly reasonable.

FWIW DD is messy, untidy and careless but she and DH ( her wicked step dad) share a car and she is more particular about keeping it clean and tidy than he is!

TravellingSpoon · 04/12/2020 11:13

As previous posters have said, we matched our DS's savings towards a first car and his insurance. Got him his first 5 lessons as a present for his 17th and he had to buy the rest.

I think your DP is expecting too much from you. I wouldnt want someone else driving my car either.

YANBU

CheetasOnFajitas · 04/12/2020 11:13

Massive cross post. You need to have serious word with your DH OP!

Magicpaintbrush · 04/12/2020 11:14

Hell would freeze over before I let a 17 year old drive my car - and I'm sorry but especially a teenage boy. I remember being 17 and all the boys in the group I hung around with drove their cars like absolute idiots, they drove them like they were toys with no regard for the fact that they could kill someone by driving like that - one of them did 80 in a 30mph zone once, not stopping at junctions or anything, just sped straight across like an absolute dickhead. The power of being behind the wheel went straight to his head. That's why it costs a fortune to insure them, because they are the age group most likely to have an accident - fact. At the end of my road a teenager ended up with his fiesta nose down in a hole that had been dug for gas repairs because he couldn't be arsed to wait in the queue for the temporary traffic lights put up for the roadworks so he just decided to overtake everybody on the wrong side of the road, found there was nowhere to go, and ended up down the hole - by pure luck he didn't kill himself or anybody else. Not all teenage boys are irresponsible behind the wheel, but enough are that I wouldn't risk it.

Also, plenty of folks manage to keep up with college work and have a part time job too - I did. Your stepson needs to stop being a snowflake - if he wants a car he needs to save up, and at least contribute to the cost (even if not the full amount until he leaves education and gets a full time job that pays more). That's life, you have to work for the things you want/need. It's a life lesson he clearly needs to learn and handing over your car would be doing the opposite.

Plus it's YOUR car, not his. You will resent it 100%.

Ellmau · 04/12/2020 11:14

YANBU.

But if he is as careless as you say he probably won't pass first time anyway.

If you did agree later on, he should absolutely be paying the insurance difference and petrol when he uses it, himself - not his dad. So no job, no car.

Anordinarymum · 04/12/2020 11:15

OP. It's your car and nobody else's. Let him save up and get his own car which he will no doubt crash and drive into the ground anyway.

Mycastle · 04/12/2020 11:17

No chance.

Your car would quickly become ‘his’.

Take it from some one who has a very entitled 25 year old who was given everything on a platter!

PurpleMustang · 04/12/2020 11:18

Oh and it would be on the insistence that you had some agreement that you get first dibs to use it, planned a week ahead so no one left on the doorstep waiting. He would soon get bored of not having use of it when he wanted as you did need it. If he got the sense of freedom might shove him into getting a job and his own.

awwkkwwaard · 04/12/2020 11:18

FFS why can't people say no? I passed my test at 17 and my father (the only driver in the household) simply said 'No' . End of conversation, why do people pussy foot and stress over stuff like this? He has no right to expect you and you need to ask him why he thinks he does? Why does his need trump yours?

QuestionableMouse · 04/12/2020 11:19

Insurance for a newly passed 17yo lad is going to cost a fortune.

If he's that keen for a car, he can do what most of us have to do and get a job to pay for it.

Viviennemary · 04/12/2020 11:20

YANBU on this particular issue. He is a very young driver. A lot of people don't put their own children on their insurance on essential cars for the very reasons you've outlined.

LakieLady · 04/12/2020 11:21

@Lazypuppy

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

I agree.

My niece worked at 2 p/t jobs while she's at college and managed to save £9k to buy and insure her own car.

emmathedilemma · 04/12/2020 11:21

I don't think you're being unreasonable but I would question why someone has paid for him to have driving lessons if there was no prospect of a car to drive at the end of it? I think it's one of those skills that you need to use when you first learn it or it's a waste of money.

tabulahrasa · 04/12/2020 11:21

See I read your OP and thought you were all being a little bit unreasonable not to let him use any car... then I realised he was basically expecting to be given your car Confused

Expecting the use of someone else’s car all day every day is ridiculous.

Borrowing it on evenings and weekends when it’s not being used was what I assumed you meant to start with.

So no, Yanbu at all.

HoppingPavlova · 04/12/2020 11:22

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.

I’d driven for 30 odd years, then had a medical issue where I couldn’t drive for a few years. Then was able to drive again. No way was it like riding a bike for me even after having done it for over 30 years. I had to basically start up with driving around the block and slowly increased from there. It may have been easy for you but isn’t for everyone.

I have one kid who didn’t drive for ages after getting their license - because they didn’t want to drive in the first place and we pressured them to lessen the burden on us. Backfired as they pretty much refused to drive after they passed. When they were ready and happy they couldn’t just get in and drive, it was like starting all over, god it was painful. They are fine now but realistically we should have left them until they were ready to drive straight through as the lessons ended up being a waste with the only exception being they didn’t need to sit the test again.