Car insurance for 19 year old..who pays

[BeCoolStork]

does every parent pay a 19 year olds car insurance? Bought dss a car, when we gave it to him, immaculate condition btw, said the review mirror needs a clean. We said you will need to help pay towards insurance ( not whole amount) which he wasn’t so keen on doing. He has a part time job, plus around 3k in savings. Starting uni in sept. Has a student loan. We still have dds 2 at home, plus our daughter 11. Are we unreasonable to expect him to pay a contribution towards his insurance? He thinks we are.

Contribution? You’re asking him to contribute towards paying his insurance for the car you bought him?
And he’s not happy about that? Was he happy when you bought him the car?
He should be paying the whole lot and thanking his lucky stars his parents bought him a bloody car.

He should be paying the whole thing. I hope he’s paying for petrol?

My two dc both paid their own insurance - I gave them money towards their first cars but they paid the rest to buy the car, tax and insure it.

my parents paid nothing towards my own car or insurance at that age. your DSS is very lucky to have any contribution to either.

I didn't even pay my 17 year olds insurance never mind 19. Obviously it's up to you and your finances though.

Sorry but he sounds very ungrateful. If you’ve already been generous enough to buy the car, everything else should be on him.

We will pay for DD’s car insurance until she finishes university. We haven’t decided if we will cover the full amount during grad school as the exact financial split there is tbd.

Will he even need a car at uni? I’d sell it.

My now 20 yo paid his own insurance from 17. He would never have expected anything different. He was bought lessons for his 17th bday with his provisional license.

Did he want the car and agree to pay the insurance before you gave him the car? Or did you effectively present him with a bloody great big bill for something he didn’t want on his birthday?

There should have been a discussion before the car was purchased about who pays for what, and if there was no agreement then the car shouldn’t have been bought. My DD is turning 17 next month so we are just having these conversations now. She won’t be getting a car until we have some agreement on things like this.

Since it wasn’t agreed in advance, what I think you need to consider is, you bought the car, not him. If he had known what would be expected of him financially, would he still have wanted it?

He’s in a bit of a tricky situation, if 19 and a full-time student then not really independent financially, but what has he been doing if he’s only just off to uni now at 19? Did he have a gap year when he worked? So he should have been financially independent then. My thoughts usually come down to: parents pay if full-time student, otherwise no.

We bought a car for our YP for their 18th bday and we pay for insurance , tax , mot , service(they tend to pay for petrol 50% of the time) till they finish uni as they can’t work as per uni rules for their course term time. Once they graduate they will need to pay.

Mine have all paid their own insurance.
They have also bought their own cars.

I think there can be circumstances where it suits parents if their teens drive, so I understand there will be reasons to pay some of the expenses, but, generally speaking, if they believe they are mature enough to own a car, part of that maturity comes through thinking about how they are going to fund it as well.

This!!!!!
you’ve bought the car
he pays for the insurance

was an entitled little boy he sounds! You need to kick him into touch and remind him the world doesn’t owe him a living and remind him this will be the same for all siblings and he can use his savings. Cheeky little shit!

Same. The expectation level of kids coupled with over indulgence by parents is the worst possible combination.

I gave my son my 10 year Old Ford focus when I got a new ( second hand) car. He needed it to travel to hospital placements up to a couple of hours drive away ( medical student). He works hard and he did have a part time job, but could only work Saturdays as uni was pretty much full time. He couldn’t afford the insurance so I was happy to pay it for him. Now he’s graduated and working he will pay his own insurance.

He did want a car, and needs it for day to day running about to work meeting friends but he won’t take a bus , he is scared of public transport and refuses to use a bus . So we thought we were making a good compromise. We live a half hour walk from main town, but won’t walk it either.

We bought our son a car but the condition was always that he would pay his own running costs including insurance. I used to fill up the car from time to time to help him out but the running costs were generally on him.

We bought our DS a car for his 20th birthday when he passed his test The deal was he paid for the insurance and tax. We pay for service. He has worked all during the summer holidays and hopefully has enough to keep the car on the road for the academic year. If he doesn’t, we will step in but he needs to show some commitment for the convenience of having a car of his own.

I’m baffled! It’s part of car ownership!! My 19 year old pays absolutely everything for his car.

Sorry OP but it sounds like you have a lot going on with him if he won't take public transport or walk. This is a discussion on both the insurance and running costs that should have been done before you bought him the car. My 3 dc all bought own cars and ran them from their weekend jobs - we did help them out but they had already budgeted for costs themselves.

This should have been a discussion before you bought the car. His insurance will probably cost a far chunk of the £3k savings.
He might not want to walk or take public transport but then he needs to understand the cost of buying and owning a car, and where that money is going to come from.
Whatever you spend on DSS you will need to make sure you have money available to do the same for your other children.

I bought them both a car when they passed their tests and paid for the majority of their driving lessons, they paid their insurance, fuel and all maintenance costs.

My 19 yr old pays her own car costs. All i pay is breakdown cover as added her to ours. Also off to uni, so she paid the insurance renewal cost in one go to avoid a monthly outgoing. She has worked and saved hard for a year and pays her way.

Why is he scared of public transport and is he addesssing it? I actually have the opposite (scared of cars). The only way to get over it is to
go in cars. I found it unbearable after lockdown when we didn’t go out anywhere by car. However, I have got the fear down to manageable proportions now.

And what’s the issue with walking?

Neither if my DCs had cars at that age. I think if they had needed cars I would have paid some of the insurance because they were both full time students.