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

[LimitIsUp]

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 ? 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?

Surely if someone breaks down in the motorway they just use their mobile to call emergency services, why in earth is it an advantage to be tracked by an insurer!

Buying a brand new car is the biggest money waster out there. At least wait 18 months!

Its not brand new. Its ex demo with 3000 miles on the clock and an 18 plate - hth

Pesto - we will have to disagree with that one, and ROSPA disagrees with you too www.helpingldrivers.com/private-practice/why-do-private-practice/

Sorry that was for Notacooldad too. The Royal Society for the Prevention of Accidents advise

"These risks and costs [accidents] can be reduced by making sure that young drivers gain as much supervised driving experience (both professional lessons and private practice) as possible while they are learning"

Absolutely agree about understanding the theory aspect of driving inside out though

Surely if someone breaks down in the motorway they just use their mobile to call emergency services, why in earth is it an advantage to be tracked by an insurer!

What if they are 17 and panic?

The advantage is that it gives a bit more peace of mind to parents and lowers insurance premiums considerably.

I'm not sure why having extra safety features seems to be an issue for you to be honest.

I can certainly see its merits Wax- also if the driver comes off the road, is unconscious and their crashed car is not immediately obvious to other road users - in a ditch or obscured by thick undergrowth

Another advantage of taking DC out is cost. We took both DCs out in my car (insured it for about £4 for 2 hours at a time compared to £30 per lesson). We didn't teach them, just let them practice this was encouraged by instructor after about 6 or 7 lessons. The instructor taught the maneuvers and what would be expected on the test. We focused on learning to be really smooth. They started learning the theory after a few lessons and passed this about lesson 10. They both had about 20 official lessons.

Limit now wondering if you live near me as we have had an incidence of that where the occupants were "missing" for days before the vehicle was recovered. both sadly died but the passenger was still alive when found and if found earlier could have survived.

I'm in the New Forest Wax, but I have heard of these kind of scenarios on the news

I know it's not affordable for everyone, but with older cars you might not know the history and they may have been poorly maintained etc. Friend is gifting her older car to her DC when they pass but she knows it's been properly serviced and looked after so that's a good idea. We'd have done the same but our older car is large estate on not really suitable. We sold my medium sized car and bought two small cars, 1 for me and 1 for the DC to share, as I'd be doing less transporting of multiple large teens.

I'm in Scotland so not nearby :)

is That quote for when she’s passed or on a provisional license ?

For when she has passed

Provisional is £530

Pesto - we will have to disagree with that one, and ROSPA disagrees with you too
Fair enough
My thoughts were that for many of us it is a while since we passed our tests and advice and teaching style changes. Ds did go out with his gf dad but said he contradicted what the instructor was saying. We kept it to one lesson a week and a few weeks before the test increased it to two.

Limit, is the car already insured in your or DPs names? If so, you might be cheaper just insuring it for DD only when you want to use it for lessons. Veygo insurance allows you to do this without it affecting your no claims, smallest insurable time is 2 hours.

My thoughts were that for many of us it is a while since we passed our tests and advice and teaching style changes. Ds did go out with his gf dad but said he contradicted what the instructor was saying.

Those thoughts are valid and instructor did say to us that exact thing but still wanted us to take them out. Apart from anything that might be unsafe, we simply let them drive and at times just narrate what they were doing and why. DH then just worked with them on being really smooth with the clutch and gear changes. A nice smooth drive never goes wrong when sitting your test. :)

It's not envy. It's just common sense. Not to give a learner such an expensive car.

@WaxOnFeckOff

It's the cost of insurance after the DD passes her test that OP is talking about.

Are you looking at fully comp or third party? I insured mine just third party when I learnt to drive at 17 and only went fully comp a few years later when the premiums dropped with my no claims. You obviously run the risk of having to pay if she drives into a wall or something but it did make my insurance a lot
more affordable.

Third party on a 2018 car would be plain stupidity.

Depends what the car is worth surely? For £4K insurance I'd take the risk!

Yes, I know that taylor . The OP has also just responded to say how much she is paying for her DD to be insured as a learner, I was offering a possibly cheaper alternative and if nothing else, it might be useful info for someone else.

So she could have built up a Years no claims when she passes? Also the pass plus reduces costs and as every1 has said the black box, I would check the black box though as some insurance companies say no bribing between 11pm / 7am