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Original poster

Car insurance for 21 year olds

18 replies

Tinysoxxx · 04/03/2023 15:59

I want to gift my old 1.2 litre car to my 21 year old for her and her partner to use. She will be living at our home and his, so the car could be parked at either. It appears this makes them uninsurable. Neither of them have been involved in car crashes nor have points. Neither of them have owned a car before (just been added to our insurances) but have held full licences for 4 years. The only one that will do it is Aviva at £2600 per year. Which is probably how much the car is worth. Any recommendations?

OP posts:
QuietlyConfident · 04/03/2023 16:04

Is it the two places bit that's making it uninsurable? Pick which one they'll stay in 4 nights out of 7 and go with that.
21 year olds with no NCB will inevitably be expensive to insure (the value of their car is neither here nor there, it's the cost of the cars they might bump into or the pedestrians whose necks they could break that are the problem) but you should have more choice than that.

QuietlyConfident · 04/03/2023 16:09

Or do either of them have risky jobs? Hospitality, courier, bouncer?

BaroldFromEastenders · 04/03/2023 16:12

Have they tried adding you as a named driver to the insurance? That can bring it down in most cases - it must be insured in (your dds?) name and they should be listed as the main user but by adding experienced drivers you could potentially get the cost down a bit. Can they afford (if they claimed) to add a big excess to bring the price down for the first couple of years?

Original poster
Tinysoxxx · 04/03/2023 16:12

Office job and apprentice (but not used for job in joinery). Both ‘nice’ areas to park, on drives.

OP posts:
CoffeeBeansGalore · 04/03/2023 17:14

Marmalade specialise in learners and young persons insurance.
It was cheaper to insure my 17yo ds on his own policy with Marmalade than adding him to mine. It's declared that it's my car, with a fully comp insurance. Black box type thing. Only caveat is he can only drive 50% of the total annual mileage.
It's worth having a look.

Original poster
Tinysoxxx · 04/03/2023 18:22

Thank you. We used Marmalade when she was learning to drive but they are the ones that currently will not insure her!
Will keep looking…..

OP posts:
frugalkitty · 04/03/2023 19:07

Try Ticker for insurance. My DD has just got hers for £1000 with a black box including breakdown cover. She's 18. Couldn't get a quote to add her to my little old lady car so it's been cheaper for her to buy her own car and insure it.

RoseDog · 04/03/2023 19:18

Both my dc are with ticker and have black boxes, dd is 20 so not just for teen drivers.

Original poster
Tinysoxxx · 04/03/2023 20:13

Thanks - will check Ticker out now

OP posts:
Original poster
Tinysoxxx · 05/03/2023 18:20

Ticker: ‘unfortunately can't offer you a quote this time.’

Grrrr

OP posts:
WMH · 05/03/2023 18:23

It's usually cheaper if you register the car at your home address and have you added as named driver.

Goingoutdancing · 05/03/2023 19:00

Go on confused or compare.
Don't use the better postcode use the address the car will be at for the majority of the time and stick to that address only.
Make sure you or DH whoever has the cleanest licence is a named driver.

CharodNeDu · 05/03/2023 19:07

Surely if she lives at home and everything like GP, electoral register etc is registered there you just use that address. You are gifting the car to her to be the owner and therefore registered keeper and main driver so it makes sense that her home address is used. Yes she may stay with her boyfriend but hopefully the car is at home more than it is at the boyfriend's house.

Definitely put yourself as a named driver to help reduce the insurance down. I have been on Dh's car for the last 20 years and only in the last year have actually needed to drive his car, I have always been down as a just in case. I have always had my own car.

Original poster
Tinysoxxx · 05/03/2023 19:23

Thanks— I don’t plan to drive the car at all so didn’t think about putting me on. I thought it would be nice for her to own the car.

OP posts:
Original poster
Tinysoxxx · 05/03/2023 19:24

I will do comparison sites tomorrow….

OP posts:
Goingoutdancing · 05/03/2023 19:48

Her being is registered keeper is fine
Always add an experienced driver in these situations though because insurers price on risk. If sometimes an experienced driver is using the car the risk reduces therefore so does the price.

WittynotPretty · 05/03/2023 19:57

Best deal we got for an 18 year old was via an independent broker Brightside Insurance in Bristol who arranged a policy via Sabre

BaroldFromEastenders · 05/03/2023 21:16

Tinysoxxx · 05/03/2023 19:23

Thanks— I don’t plan to drive the car at all so didn’t think about putting me on. I thought it would be nice for her to own the car.

You absolutely can add yourself as a named driver even if you don’t plan to drive it. You can’t insure it in your name once you pass ownership to her (or even insure it in your name knowing she will be the main user) otherwise it’s fronting and is fraud - not saying you will or have suggested doing it. Adding an experienced adult to her policy is ok though

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