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Teenagers

Parenting teenagers has its ups and downs. Get advice from Mumsnetters here.

Original poster

£4,400 quoted for car insurance once dd has passed her test. Advice and recommendations please.

258 replies

LimitIsUp · 18/07/2019 10:30

Posting here since as parents of teens you may have had the car insurance problem.

Okay, we weren't expecting a cheap insurance given dd has a 2018 VW Polo Beats, so the replacement cost of the car is quite high. Also, whilst it is a 1 litre engine it is turbo. However dh has been given a quote of £4,400 from the brokers. We had been anticipating (a still eye watering) £2K perhaps, but £4,400 Shock? If she had previously driven and been banned for drink driving her insurance would probably have been less!

Fortunately she has only just started to learn to drive so we have time to work on this. Any advice please re getting a better deal?

OP posts:
Original poster
LimitIsUp · 18/07/2019 10:50

That sounds encouraging ExCwmbranDweller- 60% off

For the record titchy we made a very sensible decision re the car - the 2017 model and beyond got the top score in the Euro NCAP for safety in the category of super mini. I would buy it again tomorrow despite the insurance premium because its my dd's safety. Personally I can't fathom the parents of one of dd's friends who are not short of cash (both doctors) but bought their daughter a fiat punto. Check that out on the Euro NCAP stats

OP posts:
hsegfiugseskufh · 18/07/2019 10:51

oh god you're one of them.

Katinthedoghouse · 18/07/2019 10:52

So your dd is learning at the moment ?

Who owns the car and who will be driving it when she passes ?

Main driver means the one who uses it most frequently, so if you pop to the shop a mile away once a day and collect kids from school twice a day and so say do 6 miles a day and your dd does a 30 mile journey once a day, you will be still considered as the main driver.

Look at stand alone policies such as marmalade whilst mum or dad insurers the car in their name

Black boxes are also a good idea. Ours worked really well, there were no late night limitations ( dd worked in hospitality) and was always refined in part each quarter. Although I have heard horror stories about technical issues.

It’s expensive, and it’s a shock but it does get gradually cheaper every year as long as there are no claims

TeenTimesTwo · 18/07/2019 10:53

I don't think you do have to 'suck it up' and pay that amount. I think you/she (whoever bought it) needs to sell the car, buy something older and cheaper and not a turbo. Even if you lose money on the sale then you will gain £££ on the insurance. Tell her you'll buy her the posher car for her 21st instead.

While she is learning to drive, you can be the main driver (especially if you make sure you use it too.) Once she has passed her test and is driving independently the insurance is likely to go up for the first year.

We have 3 cars in the household and use Admiral multicar insurance. DD1 passed her test in the April and left college to start work in the July. The insurance for her car was ~£700 for a 16yo rust-bucket. 2 years later with a much newer car and more miles/year but accumulated no claims she is now paying £500.

Teddybear45 · 18/07/2019 10:54

Setting up a joint policy with her as the main driver will be cheaper. Or you could wait until she’s had her license for 2 years before giving her a car in her own name (and just put her on as a named driver on yours) - that usually reduces the premium by 40-50%

cocomelon23 · 18/07/2019 10:56

Crazy. What a huge waste of money Hmm

Pinkyyy · 18/07/2019 10:57

Is it @JoanMavisIcecreamGirl? If the OP puts the car in her name then she's the registered owner and is entitled to have an insurance policy on it and add her DD as a named driver. How is that illegal?

SospanFrangipan · 18/07/2019 10:57

I would also do some quotes yourself rather than use a broker.

Undies1990 · 18/07/2019 11:02

Sell the car and buy a more sensible one for a new driver!

hsegfiugseskufh · 18/07/2019 11:02

pinkyyy

even if its her name but her daughter uses the car as if its hers, it is fraud.

for it to be legal, op would actually have to be using it the majority of the time, which lets face it, she probably wont be.

Original poster
LimitIsUp · 18/07/2019 11:04

The car is staying

OP posts:
Teddybear45 · 18/07/2019 11:04

@JoanMavisIcecreamGirl - you are confusing named driver with main driver. Family members are allowed to be the main driver in a policy where they are a named driver.

Instagran · 18/07/2019 11:05

@Pinkyyy It's nothing to do with who is the registered owner. It's who is the main driver. You have to answer that question truthfully. DH is the registered owner of my car but has his own car too. I am the main driver and he is a named driver on my policy as I am the one who drives it during the week. He just uses it at weekends when we go out as a family.

Katinthedoghouse · 18/07/2019 11:05

Pinky that’s fine, the problem is when the dd is actually the main driver, but the parents are hiding that fact just to get reduced premiums. It’s called fronting and that’s illegal

hsegfiugseskufh · 18/07/2019 11:06

teddy

no, im not.

saying op is the main driver, when she is not, is insurance fraud.

Fibbke · 18/07/2019 11:07

Well, duh!

Dds 7 year old aygo was 1600 a year no black box, of course a brand new turbo is going to be expensive!

Go girl were the best we found. We didn't want a black box.

newmomof1 · 18/07/2019 11:08

I passed my test 5 years ago (at 18). My first car was on 03 plate and cost £3000 to insure (it wasn't much less with a black box). The car was only £850.

You need to either suck it up or get her a cheaper car (or let her pay for her own insurance)

Fibbke · 18/07/2019 11:09

Teddy i am registered as a driver of dds car but she is the main driver. If you register yourself as the main driver and you aren't, you are committing insurance fraud

TeenTimesTwo · 18/07/2019 11:12

If the car is staying then just call around as different insurers will have different ideas of the risk.

I'm interested though OP. Was there not a non-turbo option? The safety of a car is all well and good, when it is in accident. But don't turbo cars have greater acceleration etc? Isn't that considered a risk factor in a new driver getting into an accident in the first place?

Fibbke · 18/07/2019 11:14

Personally I can't fathom the parents of one of dd's friends who are not short of cash (both doctors) but bought their daughter a fiat punto

Bastards

boredboredboredboredbored · 18/07/2019 11:18

Fibbke 😂😂😂

Original poster
LimitIsUp · 18/07/2019 11:24

51% on adult occupant safety for the Punto compared to 96% for the Polo - but yes, hardly important Confused

OP posts:
hsegfiugseskufh · 18/07/2019 11:27

it is important, but you don't need to judge anyone else for their choices.

you obviously think quite a bit of yourself OP, and its really evident in your posts.

AutumnDragon · 18/07/2019 11:28

Try insuring it in your name and adding her as a named driver

that's called insurance fraud.

and would invalidate the insurance, so may as well not both insuring it in the first place.

RowingMermaid · 18/07/2019 11:29

Here is a guide to fronting which is when an older person says they are the main driver of a car to reduce the car insurance for a younger person usually their son/daughter.

www.admiral.com/magazine/guides/motor/what-is-fronting-and-why-does-it-affect-car-insurance

It is insurance fraud.

We costed Ds1 up on our not quite 1 year old Kia Sportage (paid £17k for it) car that we had just bought and it came up with £1600 - £2000 extra for him. It is about the car and where you live, where you park it etc.