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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:
Eviebeans · 04/12/2020 12:01

I should have said explain/say them to stepson

Beautiful3 · 04/12/2020 12:03

I would probably say no because I'd rather he saved up for an old banger to practise in. Also its doen to his actual parents to sort that it add to theirs, not a step parent. It's a real ball ache to sort out accidents and have to wait without a car for a while. He will have a few!! I don't see why you should be inconvenienced, as you'll need it for the food shop and school run.

tallduckandhandsome · 04/12/2020 12:04

No way Jose

ButterfliesandMoths · 04/12/2020 12:06

My son went to college but wanted a car so got a part time job. If I were you I'd say no and encourage him to get part time job, he won't like it but hey ho if he wants a car that bad he'll do it.

cardswapping · 04/12/2020 12:11

YANBU. Also, cars are not that great in cities tbh (answering his bus vs car to college comment). I have a car and a driving licence and yet I cycle everywhere as parking is either impossible or horrendously expensive, and on a distances under 5 miles, the bike beats the cars in traffic.

DontDribbleOnTheCarpet · 04/12/2020 12:12

My 18-year-old has his driving test in a week or so, and if he passes he will be insured for my car. However, he works in a bakery, so letting him take my car will mean that I don't have to take him to work first thing in the morning, and he has offered to pay for the insurance. Worth it just for the extra couple of hours in bed! There is no public transport which he could take instead, and he already pays for the extra petrol we use to get him to and from work every day.

If he didn't work, or he just demanded that everything be provided for him then he wouldn't be getting a thing! I have also told him that he is getting the car for getting to work and back only. I work from home and I can use my husband's (very old) car for doing the daily posting run, but other than that I need to use my own car.

Housewoes23 · 04/12/2020 12:19

Nope and as a teenager I'd have never expected this! I'd have got a job around college and saved up. If you want to help, put a few € aside to give to him toward a banger (I bought one a few years back when I needed a car but couldnt find one I wanted, it was £330 and got me £140 scrap Grin) but ONLY once he has proven he is saving for one. As pps have said, insurance quotes wont be easy to come by and will cost a bomb.

independentfriend · 04/12/2020 12:24

Worth considering the COVID risk of all his bus journeys vs. the other exposure everyone in the household has to COVID. Him having a car and being able to drive to and from college might be a sensible idea if it means an appreciable reduction in the likelihood of you getting COVID. The petrol / insurance / breakdown cover/ MoT / servicing etc costs of a car might be marginal vs. the bus ticket cost.

But it doesn't have to be (and probably shouldn't be) your car.

BlackAmericanoNoSugar · 04/12/2020 12:25

If he's endlessly whinging now about being put onto your insurance then he's going to be endlessly whinging about getting to use your car if you do put him on the insurance. I can guarantee that he will miss the bus and then tell you that it'll be your fault that he misses college if you don't give him your car.

I bet your DH could work it out with his car if he drove himself to work with his DS as a passenger, then DS took the car from there. Then DS could drive back to your DH at the end of the work day and your DH could drive home with him. Then DS could also use the car at weekends. But your DH won't do that. Why? Because it's a pain in the neck on timings, he doesn't want to risk damage to his car, wear and tear, petrol costs etc. There are many good reasons, but ultimately he just doesn't want to and that's enough of a reason.

You also have many good reasons not to put DSS on the insurance, but ultimately you don't want to and that's enough of a reason.

Billben · 04/12/2020 12:28

It would be a NO from me as well. I drive an 09 reg 107 (so old and cheap) but I absolutely love my little car. The thought of somebody mistreating her by not driving it my way would cause me sleepless nights 😂

Elai1978 · 04/12/2020 12:30

Had my first car for my 17th birthday as did most of my friends. 20 years ago I was paying £2k/year as a 20 year old so high insurance costs aren’t something new.

CorianderQueen · 04/12/2020 12:36

Make him save up for his own cheap banger

TrickyD · 04/12/2020 12:36

It cost us £300 for grandson’s learner’s insurance for six months, driving our Volvo, with our NCB protected. We used Marmelade.

Curve · 04/12/2020 12:44

Why can't he go on his dad's car? Surely your DH doesn't work 7 days a week? Its up to them - if his parents aren't going to do it why should you?

DuesToTheDirt · 04/12/2020 12:48

It cost us £300 for grandson’s learner’s insurance for six months, driving our Volvo, with our NCB protected.

It's much cheaper to insure learners than young drivers who've just passed.

wimhoffbreather · 04/12/2020 12:48

You DP son sounds like a spoiled little so and so and your DP sounds very wet not telling him to shut his entitled little trap! I’m shocked that he thinks he should be allowed to drive your car 😱

And no you can’t make him get a job, but if he doesn’t get any pocket money from you or his folks he’ll have to set himself out then won’t he?

Meraas · 04/12/2020 12:48

Why can’t he save up for a car like I did? Did he even pay for his own driving lessons?

He’s not entitled to the use of anyone’s car, let alone his step-mum’s.

Macncheeseballs · 04/12/2020 12:53

God why are people so precious about their cars, if you you don't use it much, share it

notacooldad · 04/12/2020 12:54

God why are people so precious about their cars, if you you don't use it much, share it
Lol!!

Macncheeseballs · 04/12/2020 12:56

Notacooldad, quite! I just dont get it

Viviennemary · 04/12/2020 12:58

People are precious about their cars because they cost money to buy and money to repair and maintain. Not to mention the hassle of arranging repairs. And they need them to be available when they want them because its their car. . Stand your ground OP. No. No and no again.

Macncheeseballs · 04/12/2020 13:00

Go on say yes

BlackAmericanoNoSugar · 04/12/2020 13:01

@Macncheeseballs

God why are people so precious about their cars, if you you don't use it much, share it
People are precious about cars because they are expensive, to buy, to run, to insure, to repair.

OP doesn't use her car much, but if her DSS takes it to college every day then she won't be able to use it at all. She needs a car occasionally, for things that necessary but would be very awkward to manage without a car.

BarbaraofSeville · 04/12/2020 13:04

@Macncheeseballs

God why are people so precious about their cars, if you you don't use it much, share it
Well that would be fine if the Stepson would be willing to pay all of the costs associated with his use of the OPs car, including

Additional insurance cost as he's considered a high risk driver
Additional insurance costs if he causes an accident and the OPs insurance goes up
Excess and cost of the OPs car being off the road (taxis etc)
Loss in value due to higher mileage
Petrol when he uses it
Contribution towards MOT, servicing, breakdown cover and replacement of consumables like oil, tyres, screenwash and the like

Do you really think the average 17 YO is going to be willing or able to pay those costs?

BungleandGeorge · 04/12/2020 13:04

It’s a no from me too! I wouldn’t want to share my car with anyone, least of all a new driver of 17. It’s a good life lesson that he needs to save up himself

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