Meet the Other Phone. A phone that grows with your child.

Meet the Other Phone.
A phone that grows with your child.

Buy now

Please or to access all these features

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:
StrawberrySquash · 04/12/2020 19:06

If you were to pay the insurance, it would very much be a case of he can borrow your car as a favour, but only if you aren't using it. That's how it was for me when I passed. My parents put me on the insurance (old, cheap car) and I asked. And put the odd bit of petrol on it. I didn't regard it as my right to use it.

nancybotwinbloom · 04/12/2020 19:10

No.

It's up to his parents to sort this. I think it will create rows about petrol, not being back when he said he will, etc etc.

If he had an accident who would pay the excess. Who would pay the rise in premiums.

Have you had a quote? It might be an easy way out to get a quote which will probably be really high and maybe unaffordable.

Branleuse · 04/12/2020 19:12

I think id say to him look, Im really happy youre learning to drive and im proud of you, but stop going on about driving my car. Its not happening. I pay for the car so I have the ability to use it when i want. Im not sharing it with anyone. We paid for your lessons, but if you want a car, you need to sort your own

nancybotwinbloom · 04/12/2020 19:12

Someone suggested down thread a £250 car. Let him insure snd tax it himself if possible.

billy1966 · 04/12/2020 19:34

Hilarious actually!

Both parents haven't a notion of handing over THEIR cars but somehow the Dad's lovely girlfriend whom he is NOT married to has got herself in a tizzy and is being harassed by her partners son.

Way to go. He rightly dropped you in it.
Why would he allow you to be harassed by his spoiled, entitled teen.

What a crew OP.

Protect yourself from son and father🙄.

Flowers
TicTacTwo · 04/12/2020 22:20

Does your h use his car on Sat or Sun? I think the best that dss can hope for is access to his Dad's car at the weekend.

New posts on this thread. Refresh page
Swipe left for the next trending thread