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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:
Cheeseboardandmincepies · 04/12/2020 13:04

If he wants a car then he needs to get a job and buy one, I find it baffling that parents don’t expect their college aged children to have a part time job around college. I did from 15 and brought my own car when I passed. YANBU don’t put him on it.

wimhoffbreather · 04/12/2020 13:05

@Macncheeseballs

God why are people so precious about their cars, if you you don't use it much, share it
Omg have you found the magic money tree?? Pm me I really need to know where it is Grin
Penners99 · 04/12/2020 13:07

In all reality, he probably will fail his first test.

123becauseicouldntthinkofone · 04/12/2020 13:07

I highly doubt that you would even be able to insure him on a new car at 17 or if they did they would at least want a black box and about £4k. Why don't you look at some quotes for it and show him the ridiculous amount of money they will want to charge and just be honest that if you cant afford him a car how can you afford insurance that will be more than a new car. Good luck

SlayDuggee · 04/12/2020 13:08

Why can’t he drive his mum or his dads car in the evenings/at the weekends?

If he wants a car to go to college in he can get a job and save up the money and buy one!

Could you fib and say you need to go back to the office soon but you don’t know when?

PizzaForOne · 04/12/2020 13:10

I passed my test at 18 and wasn't behind the wheel again from the moment I was dropped back home until I was almost 22 and acquired a banger peugeot 206. Parents couldn't afford to add me to insurance on their car and I soon went to university and didn't need it at all (lived on campus 1 year then 2 years off campus with a 'unirider' stagecoach bus pass, as did 90% of all other students, very few had a car)

He does not need access to a car.

If you can't easily afford it then don't worry about it. He can either work hard and save himself, or wait until he has a full time job etc

KatieB55 · 04/12/2020 13:24

He should get a job a start saving and then he will appreciate the car when he has paid for it. Matching savings is a good incentive if that is possible.

Puzzledandpissedoff · 04/12/2020 13:25

To run it he will need a job. It's as simple as that

Which is probably why he favours using OP's - that way he gets a car without having to work for it

Had to smile at the "ridiculous bus journey" though. I know tenns who've literally never used one because parents have taken them absolutely everywhere, and the closer they get to driving the more "ridiculous" the idea of catching a bus becomes

swampytiggaa · 04/12/2020 13:39

My son is 19. He is currently saving up for driving lessons. I have told him that when he passes his test I will buy him a car (up to £1k) but insurance etc is up to him.

He’s at college and works part time at McDonald’s. No way is he being insured on the family car.

LaurieFairyCake · 04/12/2020 13:45

I would find out the cost of the insurance and say it costs £1200 to him and how is he going to pay for it?

In a matter of fact way. Don't be argued with, in fact don't talk about it - I've sent texts to my teenagers before about controversial things

Redlocks28 · 04/12/2020 13:55

@LaurieFairyCake

I would find out the cost of the insurance and say it costs £1200 to him and how is he going to pay for it?

In a matter of fact way. Don't be argued with, in fact don't talk about it - I've sent texts to my teenagers before about controversial things

I wouldn’t do that if the DH is offering to pay the extra.

SS is trying it on and being a CF and needs to be told no-BY HIS DAD. He needs to stop pestering the OP-it’s not fair.

jimmyjammy001 · 04/12/2020 14:03

He will have to carry on getting the bus liken the rest of us had to do when we passed out test at 17 and could not afford a car and then will need to get a job and work and save to buy one. Quite simple really.

Macncheeseballs · 04/12/2020 14:14

Things are hard enough for young people right, a little generosity won't hurt

MrsHuntGeneNotJeremyObviously · 04/12/2020 14:17

I'm going to add to my earlier post that I passed my test quite late in life and didn't buy a car immediately. It doesn't mean his licence is useless - it just means that he might need a couple of refresher lessons when he does eventually buy a car himself. It's not the end of the world. He's really lucky that you paid for his driving lessons - lots of kids have to pay for their own

MrsHuntGeneNotJeremyObviously · 04/12/2020 14:20

What I would be inclined to do is drive him to college/collect him a couple of days per week if you or his dad could manage it because he might really have a nightmare journey. To drive my DS to college takes about 20 minutes but it's well over an hour on the bus.

Redlocks28 · 04/12/2020 14:26

@Macncheeseballs

Things are hard enough for young people right, a little generosity won't hurt
But if it’s falling on the step parent, rather than the parents to do all the ‘being generous’, that isn’t very fair.
DogsAreBetterThanPeopleK · 04/12/2020 14:30

@Macncheeseballs

Things are hard enough for young people right, a little generosity won't hurt
His parents can generously give him their own car then can't they.
xmasnc2020 · 04/12/2020 14:32

Absolutely not!

I left school, 2 weeks later got a 20 hour a week supermarket job, started college, worked evening and weekends. Paid for my own driving lessons, passed my test, started uni, got a second job alongside the supermarket and also did babysitting when I had time. I saved up for a car, not a complete banger, it cost about 3/4K, and my mum and dad surprised me with £1000 to put towards it once is already saved up for it myself. We aren't well off so this was a big deal, a really lovely thing for them to do. My insurance was almost 2 grand!!!

I attended education, worked hard and saved, I still have the same car now 5 years later!

I'm nothing special, no stopping him doing the same. I'm glad I didn't have to rely on mummy and daddy, but was incredibly grateful that they were able to help me.

Justbrutallyhonest · 04/12/2020 14:49

Just tell him no, he can buy a car and run a car when he can afford it, and but the way his first thought should be paying board when he starts earning.

CecilyP · 04/12/2020 15:07

You may be worrying for nothing as he may not pass his test first time. Otherwise it's a no from me as well. And I say this as someone who put her 17 year-old on her car insurance but then:

1 I'm his actual mum
2 I drove an old banger
3 He was pretty reliable for a teenager
4 I worked full time as did he, so his use was fairly limited.

As you are working from home, he could claim pretty unlimited use of your car. Also, I assume, neither of his parents work 24/7 so if one of them put him on the insurance, he could have use of their car when available. The fact that neither of them are offering is fairly telling!

nothingcanhurtmewithmyeyesshut · 04/12/2020 15:12

Like fuck would I be giving in to that shit. If he is old enough to drive, he is not a little boy and can earn his own money. Get a job, buy a car on finance like the rest of us who don't have savings. Cheeky little shit.

Oreservoir · 04/12/2020 15:36

@Macncheeseballs. Things are hard for young people who work and don’t earn enough to support themselves.
Things are not hard for a 17 year old at college who refuses to even look for a part time job to facilitate the lifestyle he wants!

GlowingOrb · 04/12/2020 16:12

I think this is between the teen and his father. His father should find a way to support his child on the path to driving. You aren’t under any obligation to share your car.

I do come at this from a different cultural perspective. Driving is an absolute necessity here. It’s my job as a parent to subsidize my child’s driving expenses or drive her everywhere she needs to go, including school. I’m counting down the days until she is 15 and I can just toss her the keys and let her drive herself to school.

TheGoodEnoughWife · 04/12/2020 18:56

I also agree with others that your dh should have put a stop to this and not put it on you. And it will be interesting that although he says it is up to you when you say No will he support you?

I hope so!

VinylDetective · 04/12/2020 19:01

Once again, maybe stop wittering on about jobs because there aren’t any! We’re heading for record unemployment. All the jobs in retail and hospitality will be inundated with applications from the recently redundant with years of experience. The days of part time work for kids to earn pocket money are over for the foreseeable future.

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