Adding newly qualified 17 year old to car insurance

[sleepwouldbenice]

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!!

When her name comes up on the instructor waiting list (probably in a year!) I’ll mention it again to her and have another look at my finances. She will have dropped her very expensive extra curricular by the time she passes which would pay half of the insurance. So maybe I can suggest that she just pays half. And I might suggest she does the grocery shopping to earn that half 😛.

I’m just a bit sick of the never ending costs of a teenager and she doesn’t NEED to drive even though we are rural as I can drive her. But at the same time I would love to have holidays where someone else drives !!

I feel your pain! As I said for us DD1 qualified at 19, delayed due to covid. Insurance painful but doable, got a payg system until she needs her own car.
DD2 is so much younger, but now in the situation where she won't be driving after qualifying do will lose the knack, and my car sits on the driveway many days. Argh!

You can save money by not insuring immediately after they pass test ie. Not for next day. Instead insure for 3 weeks time. This can save hundreds.

Look at small cars which are less popular with teens and so invovled in less accidents. Consider Suzuki Swift or Alto. Sometimes a small engined Skoda Fabia can be cheap to insure. Def add experienced drivers as named drivers.

And if you already have a small engined car in the household, consider adding the new driver instead of them having their own car.

Yes, it’s good to build no-claims, but a slightly older 20/21 year old can do that cheaper than a 17 year old. Also, many 17/18 yearodms are about to head to uni and won’t need a car/be able to afford one/ have access to parking. Many won’t really need their own car until their graduate,