Adding newly qualified 17 year old to car insurance

sleepwouldbenice · 2024-12-05T17:45:05+00:00

Wow! I guess in some ways we were lucky with DD1. Covid meant she didn't take her test until she was 19 and after that I was able to add her to use my car with her own pay as you go / black box policy with marmalade Roll on to Dd2 who just passed aged 17. My insurance won't add her, marmalade don't do new cover for 17 year olds anymore it seems. Cheapest quote for my 8 year old not very glam car is £3k. Very few quotes even available She will need a car in about a year at uni as the course she'll be on involves shift work in remote areas at odd times. But I was hoping she could wait for that and gain local experience with my car in the meantime. Also before she faces the likely risk of repairs for an older car. Any suggestions as to insurance companies to use? Will waiting until she's 18 make a big difference? I understand that putting another driver on her policy should help. Any other tips? TIA!!

Grumpysawus · 05/12/2024 17:51

We use admiral multicar. It’s just under £900 per year for DC3 to have their own insurance on their own car at age 17. It’s a C1 so small engine which helps.

Grumpysawus · 05/12/2024 17:52

Also, me, dh and eldest DC are all named drivers on the car. DC1 has their own car but it broke down so was useful to be able to use the C1 for work

Original poster

sleepwouldbenice · 06/12/2024 00:46

Thank you for your comments. Might be something to plan for when we move to 3 cars

Any ideas out there for own policy on our car? Thanks

OP posts:

Original poster

sleepwouldbenice · 06/12/2024 18:50

Bump

OP posts:

teenagersuntangled · 06/12/2024 19:32

This was covered in my episode on driving in Teenagers Untangled. Some things that definitely make a difference is exploring companies that reduce rates for having a black box fitted. A
Here are some sobering facts:
confused.com says Gen Z premiums have increased the most out of all age groups.
“For 17-year-olds, average prices are now £2,877, after a 98% (£1,423) increase. But it’s 18-year-old drivers who are taking the biggest financial hit,” “Premiums are now 84% (£1,447) more expensive, with average costs now £3,162.”
WHY IS IT SO EXPENSIVE?
Drivers aged 17 to 19 make up 1.5% of licence holders but are involved in almost 12% of fatal and serious crashes. They are also more likely to be involved in crashes with multiple injuries and which involve a greater number of people, and insurers’ costs of dealing with associated claims can be very high.

Here's some of what I discovered when I was researching for the episode:
Marmalade’s telematics policies require you to stick a small box to your car windscreen and download an app
You can also go for a Pay-per-mile policy, You can buy 500 miles worth of driving, which cost about £380, and when he gets close to that you have the option to top it up,”
Aviva is targeting drivers under 30 with its app-based car insurance Quotemehappy Connect, which rewards safe driving. Again, it requires the use of a small windscreen-mounted device and phone app to record driving behaviour.
Customers pair their mobile with the device when they set off and the app provides a weekly driver rating: red, amber, green or gold. The app records information, including the speed and smoothness of the drive as well as distractions such as mobile phone use. Users are given regular advice on how they can improve their driving and unlike some of telematics policies there is no evening curfew.

DanielaDressen · 06/12/2024 19:38

When Dd passed it was actually cheaper for me to buy her an old 1ltr car and insure that in her name rather than add her to my car insurance. Although I guess with tax, mot, repairs, etc maybe it was about the same or even a bit more. What size engine is your car? Also the type of car will make a difference, a 1ltr fiesta will probably be more expensive than a honda jazz.

she has always been with admiral with a black box. I get a weekly report rating her on smoothness, night driving and speeding. She consistently gets amber as she only ever gets 1 star out of 5 for smoothness but 5 stars for everything else!

allwillbe · 07/12/2024 11:36

DanielaDressen · 06/12/2024 19:38

When Dd passed it was actually cheaper for me to buy her an old 1ltr car and insure that in her name rather than add her to my car insurance. Although I guess with tax, mot, repairs, etc maybe it was about the same or even a bit more. What size engine is your car? Also the type of car will make a difference, a 1ltr fiesta will probably be more expensive than a honda jazz.

she has always been with admiral with a black box. I get a weekly report rating her on smoothness, night driving and speeding. She consistently gets amber as she only ever gets 1 star out of 5 for smoothness but 5 stars for everything else!

Useful info- thanks👍

socks1107 · 07/12/2024 17:04

I've got both my daughters added to my policy. One passed just this week.
It's a mind field and makes me cross that it's so expensive ( although I understand why)

Dash0Cal · 07/12/2024 17:07

Ds is with Ticker. £2k in his first year then it came down to about £1k in his second year.

DeltaAlphaDelta79 · 07/12/2024 17:14

DS17 got a policy in his own name, with admiral. It was £2000 for fully comp, without black box on a 12 year old, 1.2 vauxhall agila.

Dw and I are insured as named drivers, but we wanted him to build his own no claims.

A black box was £400 cheaper, but given the restrictions, and dw and I would need to drive it late at night etc, it was worth the extra.

GellerYeller · 07/12/2024 17:23

We couldn’t get cover on mine for a learner (1 litre small hatchback) so went with Temp insurance then after passing, had to use Ticker with a black box and get another small car. We learned that temporary learner insurance expires the minute you pass your test. For anyone whose DC is using their own car for the test, make sure you’re insured to drive home for them if they pass! It’s insanely hard to get cover under 18 for a newly passed driver.

Original poster

sleepwouldbenice · 08/12/2024 12:02

Thanks all. The search continues....

OP posts:

Original poster

sleepwouldbenice · 08/12/2024 12:06

teenagersuntangled · 06/12/2024 19:32

This was covered in my episode on driving in Teenagers Untangled. Some things that definitely make a difference is exploring companies that reduce rates for having a black box fitted. A
Here are some sobering facts:
confused.com says Gen Z premiums have increased the most out of all age groups.
“For 17-year-olds, average prices are now £2,877, after a 98% (£1,423) increase. But it’s 18-year-old drivers who are taking the biggest financial hit,” “Premiums are now 84% (£1,447) more expensive, with average costs now £3,162.”
WHY IS IT SO EXPENSIVE?
Drivers aged 17 to 19 make up 1.5% of licence holders but are involved in almost 12% of fatal and serious crashes. They are also more likely to be involved in crashes with multiple injuries and which involve a greater number of people, and insurers’ costs of dealing with associated claims can be very high.

Here's some of what I discovered when I was researching for the episode:
Marmalade’s telematics policies require you to stick a small box to your car windscreen and download an app
You can also go for a Pay-per-mile policy, You can buy 500 miles worth of driving, which cost about £380, and when he gets close to that you have the option to top it up,”
Aviva is targeting drivers under 30 with its app-based car insurance Quotemehappy Connect, which rewards safe driving. Again, it requires the use of a small windscreen-mounted device and phone app to record driving behaviour.
Customers pair their mobile with the device when they set off and the app provides a weekly driver rating: red, amber, green or gold. The app records information, including the speed and smoothness of the drive as well as distractions such as mobile phone use. Users are given regular advice on how they can improve their driving and unlike some of telematics policies there is no evening curfew.

Thanks
Is this for 17 year old who passed their tests though? From my OP we used them for DD1 but they won't quote for dd2

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Rowgtfc72 · 08/12/2024 12:13

Dd passed in July and she's with Sterling. Dh is a named driver. She has a black box but it only tracks mileage and speed.
It let's her know how much her insurance will be next year by marking her driving every week. At the minute she's looking at a big discount if she carries on driving the way she is.

mitogoshigg · 08/12/2024 12:16

Dd had her own car before passing and it was added to my multi car insurance, I'm a named driver on her policy. I feared the cost when she passed but it was under £1000 for the year (actually only £560 because it was part through the year) and on renewal it dropped £400 to £600 for the year, she was 19 by that point though.

How close to their 18th birthday, might make a significant difference, also do search incognito to avoid cookies messing with the algorithms

Original poster

sleepwouldbenice · 08/12/2024 17:50

Thanks all. Will look at these. It just seems crazy to buy a car at this stage, I wfh lots so my car so available and there isn't much parking space. In a year it might be inevitable but not quite yet... ideally

OP posts:

Potating · 08/12/2024 19:04

DeltaAlphaDelta79 · 07/12/2024 17:14

DS17 got a policy in his own name, with admiral. It was £2000 for fully comp, without black box on a 12 year old, 1.2 vauxhall agila.

Dw and I are insured as named drivers, but we wanted him to build his own no claims.

A black box was £400 cheaper, but given the restrictions, and dw and I would need to drive it late at night etc, it was worth the extra.

We have done the same as you (admiral own policy at about £2k) and will always avoid a black box like the plague.

FlutteryButterfly · 15/12/2024 21:50

GellerYeller · 07/12/2024 17:23

We couldn’t get cover on mine for a learner (1 litre small hatchback) so went with Temp insurance then after passing, had to use Ticker with a black box and get another small car. We learned that temporary learner insurance expires the minute you pass your test. For anyone whose DC is using their own car for the test, make sure you’re insured to drive home for them if they pass! It’s insanely hard to get cover under 18 for a newly passed driver.

I don't think any driver that passes is insured to drive home/onwards if they pass their test as they officially carry a full driving licence rather than being insured as a provisional!

FlutteryButterfly · 15/12/2024 21:54

Both my DC have passed I the last year. DHs and my car are not suitable (2.5L). We wanted them to build up their own NCB (hopefully). They both have part time jobs and saved. Purchased low mileage 10 year old insurance group 2 cars fir around £3k. Black box insurance £1600 DD and £1800 DS.

FrannyScraps · 15/12/2024 21:55

Also admiral multi car policy

We now have 3 cars and 4 drivers on ours as soon as the teens have passed. We pay around £1800 per year.

EwwSprouts · 16/12/2024 22:29

Part of the problem is her length of driving since passing the test is so short. If you add her to your insurance for part year until your renewal comes round that is not usually too painful. My insurance is with Direct Line who do not come up on comparison sites. DS is now 2 years post test and is on my insurance which now costs £1300 on an Arona.

Countrylife2002 · 17/12/2024 17:33

This is interesting. I’m happy to pay for lessons but I am definitely not paying for DD’s insurance. Maybe she will decide to wait to learn when she hears these costs! I have an old Honda jazz - so 2k will be the most likely cost will it ? I shall discuss with dd if she wants to learn ! She earns £60pw in her job.

Countrylife2002 · 17/12/2024 17:44

Oh jeez I just did a quote and it looks like £2k is minimum and it could well be higher even adding to mine.

i don’t think she will want to learn if basically all her money is going on insurance .

Are you all paying for your dc’s insurance ? DD will be off at uni most of the time after she passes as she is summer born anyway. But this is def something I expect her to pay for .

EwwSprouts · 17/12/2024 21:57

@Countrylife2002 If you DD is going to be away most of the year you can ask you insurer to just add her to yours (assuming using your car) for short periods when she is home. They will do this for Christmas, Easter, summer for example.

Countrylife2002 · 18/12/2024 06:59

@EwwSprouts yes I was thinking about that last night. But presumably we’re still looking at £200pm. Again dd would need to pay. I put this to her last night and she’s decided not to learn. I can pay for the lessons (I had to pay for my own and so didn’t learn til I was 26), but she needs to pay for her insurance. Plus I need my car during the day so she could never take it off somewhere.

it’s a bummer as we live rurally so I guess I’ll still be her taxi for the foreseeable.

DD is not at all spoilt but this is (it seems!) a wealthy area and she’s telling me that EVERYONE is having cars bought for them.

I’m a single parent and have tried to make sure dd never feels our relatively low income but I am defeated on this! She will learn when she starts working .