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The terrific bunch that you all are, I am sure will have great advice on Car Insurance!!
Seems straight forward to me but you would have thought I was trying to insure the space shuttle..
We have finally found a suitable car and subject to a test drive today, my 16 year old daughter will have her first car. She is not 17 until the end of November but didn't want to run it to the wire trying to get the colour/model etc
So, the owner/keeper seems to be significant in getting insured. Ideally I would like her to be the owner but some insurance companies dont like that.
Then we would like it insured for me and the missus for a couple of months then add her on her birthday.
All sounds really simple, but seems to be fooling the insurance trade, your thoughts and company recommendations welcome
Don't discount having a black box fitted to the car irrespective of who is driving it. There are options that don't have a curfew which make it more manageable for everyone.
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Young Driver Car Insurance on 13:31 - Sep 20 with 2506 views
Young Driver Car Insurance on 13:24 - Sep 20 by Mookamoo
Don't discount having a black box fitted to the car irrespective of who is driving it. There are options that don't have a curfew which make it more manageable for everyone.
The only downside is hearing this track on a loop every journey
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Young Driver Car Insurance on 14:43 - Sep 20 with 2457 views
I'm not an expert but you need to be careful about putting kids on your insurance when they do most of the driving in the car - I think it's called 'fronting' best check it out and get proper advice. From experience a black box is almost a given if you want to avoid ridiculous premiums. Putting a parent down as an additional driver on the daughter's insurance can help .Some boxes have more restrictions on mileage and hours than others. We do our daughters and ours through Admiral multi-car which for us works out fairly well. She's 20 now and box-free.
Also it might depend on whether she's a student or working and the type of job she has. Good luck.
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Young Driver Car Insurance on 14:45 - Sep 20 with 2459 views
My son, who is young, but a fair bit older than your daughter is finding that not being the owner of the car is cutting down the number of insurers that will quote for him. The car has always been registered to me but he's steadily been building up no claims with his own policy with him quoted as the main driver. Have found in the past that having other adults with long term no claims included on the policy has lowered the price. He was expecting to further reduce his premium this year but instead has been quoted a renewal price 50% higher than last year. He's tried using comparison sites and many exclude him if he isn't the registered owner. He's only been able to get quotes marginally better than his renewal price. This seems to echo many peoples experience that car insurance prices have risen dramatically. In fact, my wife's renewal price was similarly inflated but couldn't be bettered on the various comparison sites.
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Young Driver Car Insurance on 14:54 - Sep 20 with 2443 views
Check out Marmalade. They specialise in young/new drivers have some good options, and didn’t break the bank. We’ve currently got the learner insurance, which flip into full when test passed, with the black box / app which tracks driving performance, which in turn links to keeping price as low as possible. Car and insurance is in our youngsters name, with us as named drivers.
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Young Driver Car Insurance on 17:50 - Sep 20 with 2347 views
There are going to be many factors that dictate the premium. The usual are group rating of the car 1-50, 1 being the cheapest to insure age of the car popularity of the car, lots of fords around, cheap parts etc age of the driver post code of the home annual milage etc etc A black box will only work if the child is sensible. Having a block box is a bit like a energy meter. Drive over the speed limit regularly, brake hard regularly, all of the telemetric' s get sent back to the insurer, so may increase the premium. It is always best to insure in the name of the owner and registered keeper of the vehicle, so if it has been bought for them, then insure it in their name. Always add parents even if you have your own car(s) and may only use it once a year. Go through the options you state and see if there is a best fit when circumstances change.
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Young Driver Car Insurance on 19:41 - Sep 20 with 2283 views
Young Driver Car Insurance on 13:09 - Sep 20 by marvellous
Have you tried speaking to an actual broker? Explain what's going on and they should be able to find a solution for you.
Yes, the company we use (LV) say they cannot quote for future insurance and will not enter false details in to the system to obtain a quote, so suggest I check with on-line portals!!
They also do not insure anyone other than the vehicle owner,
Young Driver Car Insurance on 13:24 - Sep 20 by Mookamoo
Don't discount having a black box fitted to the car irrespective of who is driving it. There are options that don't have a curfew which make it more manageable for everyone.
She is definitely having one fitted whether she likes it or not (which of course she does not) but that was my condition of helping her buy one. Its unlikely we will drive her car much at all but will be insured. (Will need to remember she has one if/when I do drive it though!)
Young Driver Car Insurance on 14:43 - Sep 20 by jontysnut
I'm not an expert but you need to be careful about putting kids on your insurance when they do most of the driving in the car - I think it's called 'fronting' best check it out and get proper advice. From experience a black box is almost a given if you want to avoid ridiculous premiums. Putting a parent down as an additional driver on the daughter's insurance can help .Some boxes have more restrictions on mileage and hours than others. We do our daughters and ours through Admiral multi-car which for us works out fairly well. She's 20 now and box-free.
Also it might depend on whether she's a student or working and the type of job she has. Good luck.
As a new driver on Provisional we will definitely be on the policy to drive it. We would prefer she starts to build her own no claims too. I have looked at multi-car policies as my insurer does it, but having difficulty obtaining quotes as she is not 17 yet.
Defo on the Black Box thing, she is left with no choice in the matter! I was going to try Admiral based on another friend recommending them but dont really want to move mine so will check them out just for her at the moment.
Young Driver Car Insurance on 14:45 - Sep 20 by longtimefan
My son, who is young, but a fair bit older than your daughter is finding that not being the owner of the car is cutting down the number of insurers that will quote for him. The car has always been registered to me but he's steadily been building up no claims with his own policy with him quoted as the main driver. Have found in the past that having other adults with long term no claims included on the policy has lowered the price. He was expecting to further reduce his premium this year but instead has been quoted a renewal price 50% higher than last year. He's tried using comparison sites and many exclude him if he isn't the registered owner. He's only been able to get quotes marginally better than his renewal price. This seems to echo many peoples experience that car insurance prices have risen dramatically. In fact, my wife's renewal price was similarly inflated but couldn't be bettered on the various comparison sites.
Thanks, this is what I feared and finding already. In fact we have been in to sort the car today and I have had to register as the owner otherwise I cant find a way of getting insurance to drive it off the forecourt. Very annoying, and it will now show as have an additional keeper just to transfer it to her. They did offer to drop it to ours but I still have the insurance issue and wouldn't want to leave it off road but uninsured.
i too have seen mine rise a reasonable amount this year, mad considering they had a spell of 'heavily' reduced claims during lockdown
Young Driver Car Insurance on 19:41 - Sep 20 by Deano69
Yes, the company we use (LV) say they cannot quote for future insurance and will not enter false details in to the system to obtain a quote, so suggest I check with on-line portals!!
They also do not insure anyone other than the vehicle owner,
So their solution was seek elsewhere!
LV are an insurance company. They will have a set of strict guidelines which they must stay within. A broker will have access to a panel of lots of different insurance companies all with different guidelines (some will underwrite a policy for people who are not the registered keeper, for example) so should be able to come up with a solution.
Try Adrian Flux.
This doesn't seem like a particularly unusual scenario.
Also, you can get temporary car insurance that doesn't require you to be the registered keeper so that circumnavigates the additional keeper situation just to get the car home from the dealership.
[Post edited 20 Sep 2023 20:04]
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Young Driver Car Insurance on 20:00 - Sep 20 with 2238 views
Young Driver Car Insurance on 17:50 - Sep 20 by PhilsAngels
There are going to be many factors that dictate the premium. The usual are group rating of the car 1-50, 1 being the cheapest to insure age of the car popularity of the car, lots of fords around, cheap parts etc age of the driver post code of the home annual milage etc etc A black box will only work if the child is sensible. Having a block box is a bit like a energy meter. Drive over the speed limit regularly, brake hard regularly, all of the telemetric' s get sent back to the insurer, so may increase the premium. It is always best to insure in the name of the owner and registered keeper of the vehicle, so if it has been bought for them, then insure it in their name. Always add parents even if you have your own car(s) and may only use it once a year. Go through the options you state and see if there is a best fit when circumstances change.
It would be great if I could actually get to a quote, but other than going online and putting in false details I cant even get that..
Its a 1000cc VW Polo so pretty good for a first timer. It isnt that old and significantly more than I spent on my first car but really want to ensure its as reliable as possible and will last for a decent few years.
The whole keeper/owner/driver thing all seems a bit of a farce to me as I don't quite understand how it makes any difference, and on reflection I am not even sure anyone checks how many previous owners there were, after all, it could have been owned by one person/company and driven by an entire family or workforce...
We had always intended to insure me and the missus on there as adding drivers with good history and many years driving seems to make very little difference to the overall premium.
Young Driver Car Insurance on 19:58 - Sep 20 by marvellous
LV are an insurance company. They will have a set of strict guidelines which they must stay within. A broker will have access to a panel of lots of different insurance companies all with different guidelines (some will underwrite a policy for people who are not the registered keeper, for example) so should be able to come up with a solution.
Try Adrian Flux.
This doesn't seem like a particularly unusual scenario.
Also, you can get temporary car insurance that doesn't require you to be the registered keeper so that circumnavigates the additional keeper situation just to get the car home from the dealership.
[Post edited 20 Sep 2023 20:04]
Thanks, will give them a look
We use insurance brokers for our work fleet, always seem much more expensive than a more direct approach, but have asked our guys to look at it for me,
Firstly, if it’s her car register it her name, there are numerous ways insurers can establish where a policy is being “fronted” (a parent pretending to be owner and insure in their name) and once proven can be used to invalidate policy and refuse to pay claims.
Would strongly recommend getting her to take out policy in her name as soon as she has provisional license which is comparatively cheap (as the risk is due to her being accompanied and supervised at all times) and she can effectively earn some No Claims Discount as she learns. Put on at least 1 or 2 extra older drivers (parents).
Once passed her insurance will unfortunately increase massively but take on a black box (and also consider a curfew policy if that suits her social life) and also include parents on that policy too (it will generally reduce premiums if they are claim and conviction free)
The sooner she starts to build her own experience and no claims bonus the sooner she can potentially get more realistic premiums but will be crap for a while
[Post edited 20 Sep 2023 20:14]
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Young Driver Car Insurance on 20:26 - Sep 20 with 2185 views
Young Driver Car Insurance on 20:00 - Sep 20 by Deano69
It would be great if I could actually get to a quote, but other than going online and putting in false details I cant even get that..
Its a 1000cc VW Polo so pretty good for a first timer. It isnt that old and significantly more than I spent on my first car but really want to ensure its as reliable as possible and will last for a decent few years.
The whole keeper/owner/driver thing all seems a bit of a farce to me as I don't quite understand how it makes any difference, and on reflection I am not even sure anyone checks how many previous owners there were, after all, it could have been owned by one person/company and driven by an entire family or workforce...
We had always intended to insure me and the missus on there as adding drivers with good history and many years driving seems to make very little difference to the overall premium.
I am sure it shouldn't be this difficult!
Cheers for your help
Your 1000cc polo could be anything from a group 1 to 12 depending on the trim level and PS/BHP.
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Young Driver Car Insurance on 20:42 - Sep 20 with 2173 views
Young Driver Car Insurance on 20:02 - Sep 20 by PassionNotAnger
Firstly, if it’s her car register it her name, there are numerous ways insurers can establish where a policy is being “fronted” (a parent pretending to be owner and insure in their name) and once proven can be used to invalidate policy and refuse to pay claims.
Would strongly recommend getting her to take out policy in her name as soon as she has provisional license which is comparatively cheap (as the risk is due to her being accompanied and supervised at all times) and she can effectively earn some No Claims Discount as she learns. Put on at least 1 or 2 extra older drivers (parents).
Once passed her insurance will unfortunately increase massively but take on a black box (and also consider a curfew policy if that suits her social life) and also include parents on that policy too (it will generally reduce premiums if they are claim and conviction free)
The sooner she starts to build her own experience and no claims bonus the sooner she can potentially get more realistic premiums but will be crap for a while
[Post edited 20 Sep 2023 20:14]
I do want to get her policy in her name, but as mentioned, struggling to get quotes and as she is not 17 for 2 months, struggling with the vehicle in her name (which isnt a problem in its own right as anyone can) but then I cant get it easily insure for the two months prior.
Young Driver Car Insurance on 20:02 - Sep 20 by PassionNotAnger
Firstly, if it’s her car register it her name, there are numerous ways insurers can establish where a policy is being “fronted” (a parent pretending to be owner and insure in their name) and once proven can be used to invalidate policy and refuse to pay claims.
Would strongly recommend getting her to take out policy in her name as soon as she has provisional license which is comparatively cheap (as the risk is due to her being accompanied and supervised at all times) and she can effectively earn some No Claims Discount as she learns. Put on at least 1 or 2 extra older drivers (parents).
Once passed her insurance will unfortunately increase massively but take on a black box (and also consider a curfew policy if that suits her social life) and also include parents on that policy too (it will generally reduce premiums if they are claim and conviction free)
The sooner she starts to build her own experience and no claims bonus the sooner she can potentially get more realistic premiums but will be crap for a while
[Post edited 20 Sep 2023 20:14]
My daughter's first black box was pretty restrictive. Low annual mileage limit and curfew from 2200. Different companies have different policies so check out the options that suit. She got docked some points for driving in rush hour!
As a friend who worked insurance used to say, the smaller the premium the smaller the print
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Young Driver Car Insurance on 21:22 - Sep 20 with 2117 views
Young Driver Car Insurance on 19:52 - Sep 20 by Deano69
Thanks, this is what I feared and finding already. In fact we have been in to sort the car today and I have had to register as the owner otherwise I cant find a way of getting insurance to drive it off the forecourt. Very annoying, and it will now show as have an additional keeper just to transfer it to her. They did offer to drop it to ours but I still have the insurance issue and wouldn't want to leave it off road but uninsured.
i too have seen mine rise a reasonable amount this year, mad considering they had a spell of 'heavily' reduced claims during lockdown
Cheers for your advice
Been 3 years since I worked for them but direct line will allow you to remain the owner but your daughter to have her own policy to prevent fronting the risk. Students if she is indeed still at school also got a lower rate. Add both your self and spouse/partner onto her policy as shared risk with experience lessens the amount she can be driving even though you might not drive it once. Look at mileage, not too high not too low - 5k-7k is optimal.
Do your quotes 2 to 3 weeks in advance and last minute costs far more
If you have a cheap policy due like contents or a pet to insure I have seen people save more money on the young drivers policy than the pet or contents policy cost as a whole. Have other cars in house works even if not insured with direct line but even bigger discounts if they are. They used to do black box also so check with that although that’s more for when she has passed and driving by her self.
They have no admin fees, great service and claims. Better than any broker policy.
I worked for over 15 years for them and had Experience of many other companies, I now underwrite insurance for a massive company - not direct line but would not consider moving my policies away from them regardless of the cost
Hope I helps and good luck you your daughter in her endeavours
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Young Driver Car Insurance on 22:05 - Sep 20 with 2087 views
Young Driver Car Insurance on 21:22 - Sep 20 by badadski
Been 3 years since I worked for them but direct line will allow you to remain the owner but your daughter to have her own policy to prevent fronting the risk. Students if she is indeed still at school also got a lower rate. Add both your self and spouse/partner onto her policy as shared risk with experience lessens the amount she can be driving even though you might not drive it once. Look at mileage, not too high not too low - 5k-7k is optimal.
Do your quotes 2 to 3 weeks in advance and last minute costs far more
If you have a cheap policy due like contents or a pet to insure I have seen people save more money on the young drivers policy than the pet or contents policy cost as a whole. Have other cars in house works even if not insured with direct line but even bigger discounts if they are. They used to do black box also so check with that although that’s more for when she has passed and driving by her self.
They have no admin fees, great service and claims. Better than any broker policy.
I worked for over 15 years for them and had Experience of many other companies, I now underwrite insurance for a massive company - not direct line but would not consider moving my policies away from them regardless of the cost
Hope I helps and good luck you your daughter in her endeavours
That’s really helpful. Thank you, will explore those.
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