Car insurance for teenager

[Excitedannie]

My DD is 17 in September and our personal situation means she needs to start driving ASAP.

I've no idea where to start with the whole insurance or the best way of doing it. Turns out my own car insurance won't insure anyone under 23. How do others do it?

Hi. We have 2 under 20s. We used Admiral as a lot (including our own) would touch them. Sometimes it is cheaper for them to be the lead driver and put yourself as a named driver. Sometimes it is cheaper to have a black box. It’s definitely not cheap and has gone up on the 2nd year for us (which doesn’t make sense as they have 1 years experience now!).

By using covered on demand whilst a learner. Car will need to meet certain requirements ( there is an engine size limitation for example). I'm not sure about when DD passes her test as our DC get their own car then.

My ds didn't get his own car or insurance until he passed his test as he couldn't be insured on my/dhs cars (too big an engine and also company cars)

For the 1st year after he passed he had Admiral insurance and on renewal he's now with Hastings Direct as they were cheaper than the Admiral renewal quote. He doesn't have a black box

It will be expensive if she is learning in your car, although lessons with a driving instructor are also expensive, at least you don’t have to buy insurance yet. Get theory test booked asap, then you can apply for driving test, in our area you are looking at 6/8 months, so you may have time to shop around when your insurance finishes. Both my DS’s passed at 20/21 and both had small engine, low cost cars, no black box as friends I knew warned me against this. DS1 is with Direct Line, DS2 is with Hastings Direct, they both have us on their insurance which brings the price down.

We actually found cover while learning cheaper than once passed.

Dd had her own car but insured on my admiral multi car insurance with me as a named driver. Was cheap as a learner, only £400, once she passed it went up to £690 but she had turned 20 by then

Have a look at Veygo or Collingswood. Used them for my teens when learning in my car.

We used Direct Line - specifically the Drive Sure app. You have an app on your phone, and it registers your driving, and gives you a score after every journey. The good thing about Drive Sure is that it is not constantly monitored - Direct Line only look at the data after 11 months, then use this to determine the cost of renewal.

My eldest DD had her own car from 17, and she was the main driver on the policy, with me and my DH as named drivers. She passed her test 8 months later, and tbh the premiums are slightly cheaper. (Fully comp and insured for business use too) - plus she gets to accumulate NCD.

The only thing you have to remember is that if you are a passenger or get on the bus, it will register the journey - so you must go on the app and put down that you weren't the driver.

I’ve got Veygo for DSD on my car. It’s part of Admiral who do my main insurance. For various reasons I didn’t want to add her to the main policy. It was pretty simple.

My son got his own at 18. Both parents as named drivers got it to £700 without any monitoring. City car as low insurance group.

Me again - I'm just resurrecting this old(ish) thread as circumstances changed. Anyway, DD started having driving lessons just before Christmas and I'm after some more advice as I'm still confused! Currently, if she wants to go out learning in my car, we're doing the temp cover via Veygo. She can't go on my current insurance as she's under 23, but my cover will run out next month. As I see it, these are my choices:

1. Take out a new policy with her as a named provisional driver as a learner. However, I suspect I'll have no option when she passes to remain with them despite what they quote as a passed driver
2. Take out a new policy for me, and continue with a monthly cost for her via Veygo. When she passes, Veygo have said it will go from £47 per month to £160 per month (eek)

Is this all I can do? I'm concerned that if I lock us both into a policy now (1) then when she passes, I'll have no control but to pay what they quote us then. But if I go with (2), then I'll have to add her on to mine when she passes anyway, or get her own policy at that point? She won't have her own car for a while, she'll be using mine.

Sorry - I think I'm overcomplicating this but any help gratefully received!!

For option 1 you can remove a named driver when she passes if the cost is to great some insurers may charge an admin fee to update the policy to remove her.

I would use a comparison website and run her details through as a newly passed driver to see what you would be paying on your car as this is the policy you will want to be stuck with after she passes. I did this before Ds passed his test just to get an idea of what it would be costing me. He was on my car under Veygo as a learner and now as a passed driver is a named driver on my policy.

It is up to you whether you go down the black box route or the new sneaky "share your location" details with us which mine suggested last week, they want phone numbers to track the phone. The excess for Ds is higher, there were 2 brackets, 21-24 and then another below that but Ds is in that 21-24 bracket so I didn't pay attention to the lower one. He will pay a higher compulsory excess of £200 more if he is involved in an accident. Brace yourself for the first few years for the eye watering amount.

Then I would actually contact the insurance company who you want to go with to find out what happens when she goes from learner driver (cheaper as supervised) to passed driver. It will no doubt be an admin fee to change her details. Obviously the details are incorrect as she hasn't passed but it does mean you know who will cover you both. I hope that makes sense.

Thank you both - really helpful!