[Closed] Insurance for a 'just passed test' driver

It doesn't, you all have to abide by the policy requirements, so if he doesn't have his own car I'd look for a telematics policy without time restrictions.

Just insured my son who passed his test back in April. Admiral were cheapest by far. He's a named driver though, not a policy in his own name. Obviously YMMV.

Rich.

PS No boxes required.

I'm going to go with a policy in his own name for a couple of reasons

1) If he has a prang, it doesn't affect my no claims
2) starts building his no claims earlier (assuming point 1 not needed!!)

...assuming he passes of course

1) If he has a prang, it doesn't affect my no claims

if you mean a second, concurrent policy on the same car is that true? I thought claims could be made against all the policies on the car irrespective of who was driving.

Are you talking about trying to insure the same car twice with different policies?

You can't insure a vehicle twice.

The car should be insured in your sons name with you and your better half as named drivers.

It doesn't matter who's driving on many telematics/black box policies. Go for one that doesn't have a curfew or milage restrictions. This type just measures how we'll the cars being driven which could be can be quite interesting with multiple drivers.

You could get a one off discount in year one and further discounts at renewal if the cars driven safely.

Why not buy the cheapest crappest one[url= http://www.parkers.co.uk/cars/insurance/car-insurance-groups/?ig=1 ] from this list[/url] and just get him going him on his own policy

You can't insure a vehicle twice.

Not for the same person, but you can for different people and we've already been doing it as recommended by our current insurer.

Our second car is owned by me and insured by myself to cover Mrs Feet myself. That insurer won't insure learners, so they suggested another insurer. They also recommended taking out seperate insurance for him for the reasons stated above. The second policy will be in jnr's name only.

I thought claims could be made against all the policies on the car irrespective of who was driving.

That would be silly, and probably a breach of the data protection act

If you have two policies for one car, in the event of a claim both insurance policies contribute towards the claim. Effectively you would loose both NCB's.

They also recommended taking out seperate insurance for him for the reasons stated above. The second policy will be in jnr's name only.

That would be silly, and probably a breach of the data protection act

No idea why you think the Data protection act applies here

That would be silly

Agreed however I think it might be worth double checking whether it's true. It was what I was told by our insurance company in the same situation you describe.

No idea why you think the Data protection act applies here

'Fred' is driving, has a crash - gives insurance details to other party.

'Bill' has a sepoerate policy that cover's him on Fred's car. The incident has nothing to do with Bill. There is no bona fide reason that Bills details should be divulged or used in any way, hence must be a DPA issue in my mind

Passed my car test earlier this year (although I've been riding a motorbike for 11 years).

My (very) crap car as a learner, about £400 a year. The day I passed my test, £980 increase.... for the remaining 9 months! I cancelled and went with an unknown company as they where back around the £400 mark.

[url= http://www.autotrader.co.uk/classified/advert/201410078003185/sort/default/radius/1500/engine-size-cars/1l_to_1-3l/page/1/make/volkswagen/usedcars/postcode/st78he/price-to/1500/model/fox/maximum-age/up_to_8_years_old/onesearchad/used%2Cnearlynew%2Cnew?logcode=p ]Here you go, insurance group 1[/url], he gets a car, yours doesnt get wrecked, he doesnt need to worry about staining the seats and yes you spend on a car but in theh long term(3 years) work out total spend, saving on insurance and cost of insurance against year 4, plus factor in your car not getting wrecked and its not actually that bad i bet.

piedi di formaggio - Member
You can't insure a vehicle twice.

Not for the same person, but you can for different people and we've already been doing it as recommended by our current insurer.

Our second car is owned by me and insured by myself to cover Mrs Feet myself. That insurer won't insure learners, so they suggested another insurer. They also recommended taking out seperate insurance for him for the reasons stated above. The second policy will be in jnr's name only.

Your current insurer is wrong, their giving you bad advice or deliberately trying to mislead you so as not to cancel the policy.

All the general insurers I'm aware of won't cover a vehicle thats already insured it'll be in the small print somewhere or often a question in the proposal.

If it was insured twice which company pays out in the event of a theft claim or any other claim not relating specifically to a driver? Dual insurance does actually happen by accident occasionally and on these occasions theres a complicated division of costs but no companies going to willingly get in that situation.

You also need an insurable interest to insure anything, the vehicle owner has that, your wife by virtue of the marriage contract or by financial contract if its leased but if your son doesn't own the vehicle he can't insure it, if he could then so could I and that would be me betting on the likelihood you have an insured claim.

Out of interest which company said you should have two policies and which company is willing to insure a car thats already insured and in the name of someone who doesn't own it?

All the general insurers I'm aware of won't cover a vehicle thats already insured it'll be in the small print somewhere or often a question in the proposal.

We found companies, even some of the major insurers, willing to do it but they did make it clear why it was a bad idea.

It was whoever I'm insured with who told me to take out separate insurance. Can't remember who it is off the top of my head, I'd have to check when home

I think I need to make some phone calls later this week o find out the position for certain

'Bill' has a sepoerate policy that cover's him on Fred's car. The incident has nothing to do with Bill. There is no bona fide reason that Bills details should be divulged or used in any way, hence must be a DPA issue in my mind

http://britishbikersassociation.org/blog/entry/scots-biker-in-insurance-hell-after-legal-loophole-forces-him-to-pay-thousands-for-death-crash-on-his-old-bike
http://www.whitedalton.co.uk/motorbike-blog/2013/10/i-sold-my-bike-but-didnt-cancel-my-insurance/

So, what you lot are saying, is that insurers are even worse money grabbing *******s than I thought!

Remembered who it is, it's the AA

See

http://www.theaa.com/insurance/learner-drivers-car-insurance.html

This is the entirely seperate policy he has at the moment

To me that policy reads "insure your own car and you'll be protected for another car you drive (like your parents one)".

I read those as povisional license holders and only whilst under tuition from someone who owns the car.

I was charged £2k+ with provisional license while also owning the car. Initially, the car was meant for my sister but she decided not to have one so I took over ... yes ... bloody expensive. I have to start my NCB from zero again. Now my insurance is under £500 for my 1.6 litre Toyota Corolla auto.

Insurance companies will quote you silly by taking into account the tidal wave pattern and the angle of the moon whenever they do their calculation. If possible they want you to contribute part of your income to them as a token of your respect for them. Yes, they blame it on you for amount they charge you ... 😡

edit: when I got my full UK driving license, luckily, my the premium dropped to 1.5k or near 2K ... still a lot to pay.

Pass+ cost me £180 and saved me about £500 on my first year's policy.