Car insurance for new driver

PocketMoneyQuandry · 2023-05-09T18:15:08+00:00

Apologies for the AIBU, I posted elsewhere but have had no responses. Son takes his test tomorrow. He's 17. Just asked our insurance to add him as a driver on our policy (9 year old and uncool car 🤣) and they want £6080 hahahaha. We did check that they'd not added an extra 0! Can you recommend a company? Thanks

JimiChoux · 09/05/2023 19:20

Go on a price comparison site.

wizbit93 · 09/05/2023 19:28

DS is with Tesco (has a black box). Was around £900 with DH and I as named drivers. He has a 2009 peugout.

JimiChoux · 09/05/2023 19:30

The price quoted may have been as a learner driver as he actually hasn't passed yet.

HisNibs · 09/05/2023 19:54

I know when my son passed his test, adding him on as a named driver would have added nearly £3K so we got him his own car and black box policy. Much cheaper. Daft as it sounds Op, try getting a quote for your son to have his own policy on your car. It is allowed and will enable him to build some no claims bonus.

PinkiOcelot · 09/05/2023 19:57

When dd2 passed her test at 17 we found Privilege to be the cheapest. It was just over £900 with no black box. 05 Toyota Yaris.

Woopzies · 09/05/2023 20:00

Collingwood Temporary Learner Driver insurance.

Lochjeda · 09/05/2023 20:01

Marmalade

Woopzies · 09/05/2023 20:02

^ Sorry, clicked too soon. That is, assuming you need learner driver insurance just for the test.

Thereafter, I'd have a look at Direct Line, etc. who aren't on the normal comparison sites.

Stepbystep100 · 09/05/2023 20:04

My son went with Admiral for the first year which he picked from a comparison site.

Smoky1107 · 09/05/2023 20:12

My daughters is with marmalade, she has her own policy on my car and it has a black box that tracks her driving but not mine

Blarn · 09/05/2023 20:15

Black boxes do reduce it. I passed at 37 and drive a small, five year old Skoda. I am paying just shy of £800. Various cars I looked at ranged from £600-£800 but a black box took £100 off all those quotes. Adding dh lowered it as well.

WheelsUp · 09/05/2023 20:16

Black box policies are usually cheapest but they need their own car which is a problem.

SapplingOverWater · 09/05/2023 20:26

Comparison sites Compare The Market and Moneysupermarket. Your son is an unknown risk so depending on your car £1k is not a surprise, they usually have a higher excess too. £6k is ridiculous, they don't want your business.

Desmondo2021 · 09/05/2023 20:30

If it's just for the test then use veygo. Will cost you about £6 for the two hours!

Original poster

PocketMoneyQuandry · 09/05/2023 20:40

JimiChoux · 09/05/2023 19:30

The price quoted may have been as a learner driver as he actually hasn't passed yet.

No, it was as a newly passed driver.

OP posts:

Original poster

PocketMoneyQuandry · 09/05/2023 20:41

Smoky1107 · 09/05/2023 20:12

My daughters is with marmalade, she has her own policy on my car and it has a black box that tracks her driving but not mine

Thanks. Marmalade is £1700+

OP posts:

Original poster

PocketMoneyQuandry · 09/05/2023 20:42

Woopzies · 09/05/2023 20:00

Collingwood Temporary Learner Driver insurance.

We used these for learner insurance (recommended here). This is for when he passes.

OP posts:

DogsDryWineAndCheese · 09/05/2023 20:43

PocketMoneyQuandry · 09/05/2023 20:41

Thanks. Marmalade is £1700+

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I’d be shocked if you get anything cheaper than that!

As476 · 09/05/2023 20:44

What size engine is the car? If it’s anything higher than a 1.2L it will be expensive for a teenage boy. I have a 2009 1.2L small car, and it cost me £900 for my first years insurance, no black box, 2 named drivers, with Hastings direct.

WhatTheHeckIsIt · 09/05/2023 20:46

When you use the comparison get fully comprehensive quotes too. For my child fully comp was cheaper, which wasn’t what we were expecting. The engine size is what’s important. I was told that if the car is too much of a banger they make it more expensive because the new driver is more likely to take care of a pricier vehicle - no idea if that’s true or just speculation.

Good luck - it’s a minefield!

Original poster

PocketMoneyQuandry · 09/05/2023 20:50

WhatTheHeckIsIt · 09/05/2023 20:46

When you use the comparison get fully comprehensive quotes too. For my child fully comp was cheaper, which wasn’t what we were expecting. The engine size is what’s important. I was told that if the car is too much of a banger they make it more expensive because the new driver is more likely to take care of a pricier vehicle - no idea if that’s true or just speculation.

Good luck - it’s a minefield!

Hahaha. They're probably right.

OP posts:

Original poster

PocketMoneyQuandry · 09/05/2023 20:51

As476 · 09/05/2023 20:44

What size engine is the car? If it’s anything higher than a 1.2L it will be expensive for a teenage boy. I have a 2009 1.2L small car, and it cost me £900 for my first years insurance, no black box, 2 named drivers, with Hastings direct.

Hastings won't insure U18

OP posts:

missmollygreen · 09/05/2023 20:53

What car and engine size is it?

UncomfortableSilence · 09/05/2023 20:59

We used Adrian Flux for DD, black box policy was £1200. They came out cheapest on comparison sites, I called them to check something and got the price down a bit more. We both have an app and we can see how she has been driving, we're happy with them.

Be careful adding them to your own policy as a named driver if they would be a main user as this is called fronting and is illegal, insurance companies are really on top of this with young drivers.

Hect · 09/05/2023 21:08

PocketMoneyQuandry · 09/05/2023 20:51

Hastings won't insure U18

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They insured me at 17 back in the 2010s I’d double check