Car insurance for a 17 year old

feemcgee · 2023-03-23T11:38:48+00:00

My DD (17) is sitting her driving test on Monday, she currently has learner insurance. If she passes, she will likely want to drive on her own back to school to show her friends. I'm looking for advice about car insurance for new drivers, quotes so far are around £120-150 a month.

DeltaAlphaDelta79 · 23/03/2023 11:41

You will probably be best off with a black box insurer. My nephews paid around £1500-£2000 a year for the first couple of years with theirs, but the premiums do come down quicker with careful driving, and not driving lots of miles, not driving late at night and other criteria. As with everything, shop around and make sure you know what they are covered for.

And whatever you do, don't insure someone else as the main driver and have your daughter as a named driver on her own car. This is fronting and illegal.

TeenDivided · 23/03/2023 11:43

We use Admiral multicar.
Does she have her own car that she will be main driver of, or does she just use yours?

DeltaAlphaDelta79 · 23/03/2023 11:49

DeltaAlphaDelta79 · 23/03/2023 11:41

You will probably be best off with a black box insurer. My nephews paid around £1500-£2000 a year for the first couple of years with theirs, but the premiums do come down quicker with careful driving, and not driving lots of miles, not driving late at night and other criteria. As with everything, shop around and make sure you know what they are covered for.

And whatever you do, don't insure someone else as the main driver and have your daughter as a named driver on her own car. This is fronting and illegal.

Sorry, I wasn't suggesting you would insure someone else as the main driver, but people will recommend it on here, and some people don't always realise it's illegal. 😀

Original poster

feemcgee · 23/03/2023 12:13

Thanks for these replies, they are really helpful. She will be using my car, I am the named driver, I'll have a look at multicar insurance.

OP posts:

Shoot4theMoon · 23/03/2023 20:53

Since she’s using your car and she’s just going to be a named driver it shouldn’t be too bad. But yes even if it was her car it’s what others do is put a parent with x many years no claims and put them as main driver.

TeenDivided · 24/03/2023 06:33

Shoot4theMoon · 23/03/2023 20:53

Since she’s using your car and she’s just going to be a named driver it shouldn’t be too bad. But yes even if it was her car it’s what others do is put a parent with x many years no claims and put them as main driver.

Putting a parent down as main driver if they aren't is fronting and illegal.

Putting a parent down as an extra driver can decrease the premium.

However, putting a parent down as main driver and then making sure the parent actually does drive the car more is also a possibility if the young person isn't actually using it much.

TeenDivided · 24/03/2023 06:34

feemcgee · 23/03/2023 12:13

Thanks for these replies, they are really helpful. She will be using my car, I am the named driver, I'll have a look at multicar insurance.

Multicar insurance works better the more cars you have. (And you do end up feeling a bit tied to them.)