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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:
CheetasOnFajitas · 04/12/2020 11:25

@emmathedilemma

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.
Already asked and answered. RTFT.
VinylDetective · 04/12/2020 11:25

On the whole I completely agree with the majority on this thread apart from “he should just get a job”. In the coming months/years we’ll be facing mass unemployment and “just get a job” will elicit nothing but a hollow laugh. These jobs for teenagers have traditionally been in retail and hospitality where there will be a glut of staff with years of experience chasing them down.

HollowTalk · 04/12/2020 11:26

I wouldn't dream of putting him on my insurance. Even if he was my own child I wouldn't, not with that attitude.

I'm not sure why it even occurred to your partner that you would put him on. You have a lovely car that you've worked hard for. You keep it in great condition with low mileage. Why on earth would you want to let a dirty, lazy, entitled teenager have it for his own personal use?

IamtheDevilsAvocado · 04/12/2020 11:26

No I wouldn't do this!.... Ever...

I wouldn't want to give the use of my car to anyone else..
Unless my partner.

My first car... Was a banger... Paid less than a 1000 for it.... Just after I got my license... I paid for it by working a shitty factory job.

It also made me realise, paying for the actual car was not the main cost... It was the insurance, petrol, tedious maintenance making sure it was safe and legal....

Merryhobnobs · 04/12/2020 11:27

The fact that he thinks he is entitled to something that is very much not his is very off putting. I would not be putting him on the insurance either.

Chocolate1984 · 04/12/2020 11:28

When I passed my test in 1998 my parents bought me a 13 year old fiesta for £240 and I had to pay the £1800 insurance, road tax & all other costs. I was not allowed on their insurance incase I list their no claims bonus. I was at uni full time, worked 12hr shifts at the weekend and full time during holidays to save. If he doesn’t have a job how does he intend to fund the petrol, his share of the tax and insurance and any excess he has to pay if he damages it? He needs to take more responsibility for himself.

LemonBreeland · 04/12/2020 11:30

YANBU. I have looked at insuring DS1 when he passes his test. I have a car that is not terribly expensive and doesn't have a big engine and the insurance was going to be over £1000 a year more than what I already pay. DS1 knows we can not afford that, if he gets a job we will help towards it. I also don't have the need to have my car available all the time.

UsernameChat · 04/12/2020 11:30

It's your car. You don't have to share it with anyone if you don't want to - you don't need to justify it (although the reasons you list seem fair and reasonable to me). If your DSD is adult enough to drive, he's adult enough to understand he'll have to pay for his own car and insurance.

Too late now, but if he's been looking forward to driving for so long, some forward planning (on his part) about what was going to happen once he passed his test would have been helpful...good life lesson for next time!

OnTheBenchOfDoom · 04/12/2020 11:32

Put your car details through an online insurance calculator to see how costly it is to put SS on the insurance, in no way am I saying you should but it is eye opening. As a learner it is just a few hundred, the second the pass their test and will be driving alone the risk increases and so does the cost.

Plus if he were to drive it more than you then he has to be named as the main driver which would push the cost up even further. If you left you as the main driver in this scenario, this is illegal and called fronting as PP mentioned above. You would have your insurance voided.

But no, he can get the bus and conversations need to be had about the cost of things. Admitted my sons are 17 and 14 but Dh bought a new car last year so they know how much that cost, they know about insurance costs and petrol. We used to get them to guess how much to fill the tank at the petrol station when they were younger and in the back of the car. They also know about the cost of an MOT and service. These are life lessons.

notacooldad · 04/12/2020 11:32

I think its time to cut the conversation.
I'd be saying something like ''both your mum and dad think its a bad idea, and I don't want to undermine them."

CatsMother66 · 04/12/2020 11:34

No way.
Ex PC here. Most nights when the rest of the town were huddled in their houses, out come the boy racers. Sensible boys, who given access to a car are magnets to their peers as they now have wheels. Keen to impress, they drive faster than their ability. Their parents not always knowing the change in them when in company with others.
It is a fact that most accidents are by young males in the first year after passing their tests. Many, many times we dealt with accidents and the occasional death.
A poster mentioned the fraudulent insurance. If he ends up using the car more frequently than you then he does indeed need to be the policy holder himself. If his manner of driving brings him to the attention of the Police then they will notice the frequency of him using the car and a conversation with the insurance company will invalidate your insurance and may have an impact on future policies.
Using the car to get to college and parking it up all day is ridiculous. I too want my car available at all times in case of emergencies.

Redlocks28 · 04/12/2020 11:36

Absolutely not. If his own mum and dad aren’t sorting a car for him to drive, it isn’t your job.

Chances are your pride and joy will end up as a trashed, filthy car that gets knackered brake pads (that you’ll have to pay for) and never has any petrol in. And he still probably won’t thank you.

Your DH has said you don’t need to, just don’t.

If you agree-it’s on you and you alone.

Oreservoir · 04/12/2020 11:38

@LindaEllen. Can’t believe you’re giving this any headspace.
Far from being wicked you’re helping him to stand on his own 2 feet.
No job, no car.
My dm gave my db and his dw money constantly from them being a young couple. It went on for 35 years. My df refused to give them any money and guess which parent they respected.
You won’t be any better thought of, you’ll just be a bank.

ExConstance · 04/12/2020 11:39

I have two sons, the youngest has never bothered to learn to drive, DS1 learned when he was 17. He had driving lessons in his instructors car and now (nearly 30) hires a car when he wants to go on holiday or a weekend beak, he lives in London so doesn't need a car every day. My car is probably a lot less flash than yours, OP and I have never let him drive it.

Eviebeans · 04/12/2020 11:39

He needs a cheap and cheerful old banger and he needs some means of running that...
He certainly doesn't need it to be provided free of charge as a right.

DogsAreBetterThanPeopleK · 04/12/2020 11:42

No. YANBU. His parents can sort him a car if they want him to have one, as it stands they both appear to be of the same thinking that he doesn't need one/needs to work first so tough. You don't have to fill in the 'gap' with your own personal car through guilt.

Redlocks28 · 04/12/2020 11:43

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.

I actually think your DH needs to step up and put and end to this childish whinging. He needs to tell his son the answer is no and to not mention it again as it’s not happening. This is not your job to solve.

Imagine how annoying it will be to go and use your car and it’s not there because he’s out in it and you have to ring him to ask him to come back which makes you late? I expect he’ll tell you that’s not fair either. What if he brings it back filthy and with a load of crisp packets and mud in? What if he has an accident and causes a dent/scrape/damage. Will he pay £200/ £400 to fix it? What if he loses your no claims? What if he writes it off?

Life isn’t fair, I’m afraid.

sansou · 04/12/2020 11:44

Mainstream insurers won’t even sell you ££ insurance if you car engine exceeds 1.4 litres. 😀 Insurance for small engine old bangers for 17 yr olds are expensive. It’s not uncommon for the insurance to be more expensive than the car value.

sashh · 04/12/2020 11:47

Ask him if he wants money for Xmas to put towards getting a car.

As for there not being jobs, NMW for 17 year olds is just over half of the rate for a 25 year old. A pub is not going to spend £8.00+ on someone to empty tables and wash up when they can pay £4.55.

Rewis · 04/12/2020 11:48

I did not grow up in the UK so the insurance thing is different. We just had car insurance and it was irrelevant who drive the car (who had a licence) so there was no insurance problem.

I'm going against a grain a bit and say that it would be nice for him to be allowed to drive some car. I don't think it has to op's and I don't see why it wouldn't be the dads. It is not the kids car, he just has to adjust to the people's schedule. We only had one car in the family and dad drove it to work. If I needed a car, I asked if my parents needed it and if they didn't then I could use it. Same rule applies now when I'm an adult living in my own in case I sometimes need a car.

Also, if he is added to ops insurance it didn't mean that he has free access to the car. Op can decide when the kid is allowed to use it and for how long. Also if they don't follow the rules regarding cleanliness then the privilege goes away.

That being said, of course nobody has to let him drive their car but I do think it is a nice thing to do. Where I am from 18 yo usually dont get their own cars so they use the family car (also living in the city most young adults dont have a car and still use the family car) within the family rules so the idea of not being allowed to use parents car feel foreign but this can be a cultural difference.

Aesopfable · 04/12/2020 11:49

@sansou

Mainstream insurers won’t even sell you ££ insurance if you car engine exceeds 1.4 litres. 😀 Insurance for small engine old bangers for 17 yr olds are expensive. It’s not uncommon for the insurance to be more expensive than the car value.
That is because the car itself is the least of their worries should it be involved in an accident.
Isthisnothing · 04/12/2020 11:50

I feel your pain, he sounds like my eldest DSD - spoilt and entitled. Stepmother guilt is real and it is tempting to overcompensate.

I nearly offered her use of my car and by complete coincidence the exact moment I had opened my mouth to suggest it she started a rant about how dad would have to buy her a car now, it was not her choice to live where we live (in a town serviced by plenty of public transport) and it was his responsibility to support her college education. I was so sick of being told what we were going to do as if it was her decision that, feeling extremely irked, I closed my mouth. She would have just complained about it being a banger anyway.

When my friends were giving away a car she said that she would take it (as if she was doing them a huge favour). I pointed out that while a free car sounds great most of the car expense comes with insurance etc she responded "well you and my dad will have to figure that out, it's not my job to explain to you how to manage your finances - either earn more or spend less, DUH."

So she's figuring it all out for herself now. Thankfully my DP supported me on this viewpoint.

Changethetoner · 04/12/2020 11:51

If he passes his test, then he can drive WHEN he gets his own car. The license will keep. YANBU to want to keep your own car for yourself.

wildraisins · 04/12/2020 11:58

No you're not being unreasonable.

If he wants his own car he could get a job and save up for one, save any money he gets for birthdays etc towards it.

He shouldn't expect to be driving yours.

Plus you paid for his lessons! You've done enough.

Eviebeans · 04/12/2020 12:00

I think he's been very lucky to have the cost of lessons met - they are not cheap. I also think it wouldn't be unreasonable for OP to explain some of her thoughts from first post. If he says "when I could be using it" I would reply but you couldn't cos it isn't yours