Car insurance for a new driver.

[Shockers]

Hi, my son has been insured on my car as a learner driver at a very reasonable rate. He passed his test this week and, as expected the premium went up, but by £2000. I enquired about a black box policy, but the insurance company said that that wasn’t available for my car, either with me, or DS as the policy holder. The car is 4 years old and has a small engine, so I don’t understand why.

If you’ve been in a similar situation, could you tell me which insurance company was best for insuring your new driver? I don’t want him to have a separate car, as parking would be an issue.

TIA

Interested as will be in this situation with dd shortly. Quotes for my car are over 2k but quotes for a 1ltr car are £900 so it may be cheaper to buy her a £400 1ltr banger for a couple of years.

Mine is a 1ltr VW UP. I bought it specifically to share with DS, but I will still need to use it.

We insured ours on our Polo. It was £900 without a black box. DH was the main driver. I think it was with Aviva. We went through GoCompare.

When I say DH was the main driver, that wasn’t just for insurance purposes, he really was. He used the car for work and they could have it in the evening/weekend.

DS has had an 1.0l Up since he passed 3yrs ago. He has been insured through Drive Smart, with a black box, 1k first year, with DH and I as named drivers, and he got about 100 of that back at first review after 3months.

The premium dropped to about 500 in second yr and lower in third year.

Going to get rid of box this time, have kept it as I think it makes them think about their driving.

Thanks- I will check out these insurers.
I’m currently onto Churchill, who seem reasonable, but I’d have to heed the black box too (which is no bad thing!).

Insurance for a new driver can still be expensive with a small / cheap car. The main cost for an insurer could be millions on life long care for a third party permantly disabled in a crash, not replacing a £1k banger.

Adding another driver on to the policy who is 30+ with no claims / convictions / points, should help bring down the policy cost, as will increasing the excess to the maximum.

My DSD just turned 18 and has a 2009 1.2 VW Polo. We found her a policy with for £944 with “insure the box”. She has to have a box fitted in the car, is only allowed to drive 6000 miles a year and the excess is £1000.

Yes, I added DH and the premium was brought down by another £400.

I think we’ll go with the Churchill policy.

Thanks all!

MrsJoshDun, I asked them to start the policy today, then changed my mind and said next Saturday, as we’re going on holiday tomorrow. The price went down by £500! I asked why and was told that policies with an immediate start carry risk of fraudulent activity, so cost more. Ask for quotes for two different dates when you are buying your DD’s insurance. Also, put adults with good no claims records onto her insurance, that will also bring the price down, and it will be handy if you need to use her car for any reason.

We used Admiral Multicar insurance as we got a car just for DD (v.old & automatic & only worth £500). When she passed and we put the policy for her car in her name, it only cost us an extra £600.

got bored with that video in a minute, why don't people just write stuff down? Guessing the point that has been spectacularly missed is that you need two people on the insurance. The second named driver doesn't actually have to drive it.