My 20 year old is looking to learn to drive. We thought we would put him on my wife's insurance for her group 1 city car. This is just for learning only, not for driving solo if he passes his driving test.
My wife's renewal premium jumped from £116 to the thick end of £4,500(!), and the insurance would have to be reduced from comprehensive to third party, fire and theft. As you can guess we didn't go ahead with the change.
Can anyone recommend a way to add a young adult to car insurance for the purpose of learning to drive, without having to remortgage the house?
Young drivers get absolutely shafted now with driving.
I believe one reason is some will actually pay those prices. Nothing is about total cost anymore but can I afford the monthly outgoings.
There are some specialist young drivers insurers, go through a broker, it won't be cheap and be prepared to add a black box to the car.
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We bought a Secondhand VW Up! for our son to learn in last year (our other cars weren’t suitable) - the car is in his name, as is the insurance, with me and his mum as named drivers. Fully comprehensive insurance whilst he is learning was about £300, and when he passes (he’s had 3 tests cancelled so far due to the pandemic) they say it’ll be about £1300 for his first year. The cars value is about £6k, we live in Norfolk and it’s parked on a private drive - your quote sounds insane tbh!
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I’m with Direct Line. My insurance was something like £350 per year (on a group 22 car). Adding a 17 year old learner was reasonably cheap for the first 3 months, then they jack it up. I haven’t renewed my annual quote yet but on a pro rata for what it’s currently priced at its roughly an extra £1200 per year for the young learner. Steep, but not as crazy as the numbers in the original post.
We used these for our two kids when they were taking lessons ,ideal for practising with mum or dad.
https://www.collingwood.co.uk/short-...ver-insurance/
You can also get specific insurance for learners and set it up for the time period that suits - 1/3/6 months etc.
Works out not very much for each month. It’s only for while they’re learning though.
https://www.veygo.com
We insured a fiesta in my daughters name when she was learning to drive.
Once she passed her test she needed a black box for the rest of the first year but premium did not go up being solo.
Renewal time premium halved with a years no claims.
Well my wife put my 18 year old son on her insurance (M&S) and it went up to £1300 a year - we thought pretty predictable. until we put our 22 year old son (past his test last week) again on my wife's insurance and it jumped..wait for it. £4300 a year !!!!!
BTW - The car is a 3 year old Smart ForFour
So my wife went on MoneySuperMarket and got a yearly insurance premium (with both son's on it for £350 a year with Admiral !!!
There are different levels of excess ie £650 for the youngest son, £450 for the oldest son and £250 each for us..
This includes all the normal addons, courtesy car, legal, breakdown
Just shows you need to shop around :)
We had our son insured as a learner drier on a Golf 1.4 we bought for him to learn in, cost was about £350/yr. He passed his test last week and we had intended to add him as an additional driver which was going to cost about £800. We somehow lucked onto insurance through Gocompare for him with the policy in his name for £750, with us as named drivers. I could not quite believe it at first and checked the comparator site several times thinking we had done something wrong, but no, it is correct. Silly cheap for a new male driver.
It's worth a try OP you may just get lucky as we did.
They dont half rip young kids off.
Step 1 is to get a 1 litre slow mobile
Step 2 try every company in the land to find the cheapest
Originally Posted by xellos99
Insurance is a pretty competitive market, and I don’t think the ‘young/inexperienced’ sector is any different.
There is significant risk with young drivers.
Tesco Bank Insurance. Yaris 1.3 Insured in daughter's name as main driver. Her mum and I are named drivers. 1st year insurance was 999, 2nd year was 550 (and a £50 Tesco voucher to us too).
I think the system glitched in my favour but my 18 year lad just got insured on a £600 KA for £606…. Just passed a month ago
Experimented with a couple of permutations and it came up…. Checked with the insurer and it’s absolutely legit
I’ve never heard of insurance so cheap
I think maybe the excess being higher than the car is actually with helped !!?
Lots of threads already exist on this.
My 17 year son got his own leaner insurance (with me as a named driver) - £450, and then his own insurance when he passed (9 months later) via Adrian Flux -£850. All on a Skoda Citygo.
Ref the Black Box. There are different types. Some are hard wired into the car, some are plug in. Sime are quite intrusive and others are purely used for monitoring. Some are free and some you have to pay extra for. Finally some black boxes will fine you for bad behaviour, some will simply log it issue your warnings. Lots of flavour, so do your homework.
We found Adrian Flux excellent so it’s worth getting them to quote.
Whoever does not know how to hit the nail on the head should be asked not to hit it at all.
Friedrich Nietzsche
yeah instead of insuring on our cars, I just bought a £900 corsa and the collingswood insurance above - allowed them (twins) to practice and pass first time and way way cheaper that OP quote!
I have had a few kids through this and maximum I paid was about £800 when they were 17. Currently an Aygo which is mine but has the 3 kids on 18/21/23 cost about £370 and the other son has his Alto for him insured directly age 21 plus his younger brother 18 for about the same. (Added us as additional drivers too as that lowers the premium). Those two are both with “gogirl”. Never claimed but have been ok to deal with on a routine basis
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It’s amazing how the make and model of car affects the premium. I spent an evening entering at least a dozen different cars (all 1 litre city cars) with everything else unchanged. A Corsa was most expensive and a Toyota Aygo was cheapest at a third of the price. Naming his mum and I also greatly reduced the premium for no explicable reason
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