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Author Topic: Insurance for first time drivers  (Read 3232 times)

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redelitev6

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Insurance for first time drivers
« on: 06 April 2017, 17:18:59 »

Daughter passed her test today so it's only a matter of time before she starts looking for a car , any tips on keeping the cost down , me as named driver etc or which insurers are good to deal with ?
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Field Marshal Dr. Opti

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Re: Insurance for first time drivers
« Reply #1 on: 06 April 2017, 17:22:18 »

Daughter passed her test today so it's only a matter of time before she starts looking for a car , any tips on keeping the cost down , me as named driver etc or which insurers are good to deal with ?

Tell the insurer she is fifty and lives in a low crime area. This will reduce premiums. :)
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annihilator

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Re: Insurance for first time drivers
« Reply #2 on: 06 April 2017, 17:23:08 »

Just been through all this with my nephew.more than were the cheapest for a 61 reg corsa 1.2 at £1200 
John.
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btc

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Re: Insurance for first time drivers
« Reply #3 on: 06 April 2017, 17:28:35 »

When through this last year with my daughter more than where good but avoid carrot
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Doctor Gollum

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Re: Insurance for first time drivers
« Reply #4 on: 06 April 2017, 18:59:20 »

Get her on her own policy from the get go :y

If she/you are able, then might be worth considering a n other new car with free insurance :-\

The reasoning, such as it is being that standalone policy might be £100-120 a month, but a car on such a deal might only be £150 a month.
« Last Edit: 06 April 2017, 19:01:20 by Doctor Gollum »
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redelitev6

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Re: Insurance for first time drivers
« Reply #5 on: 06 April 2017, 21:20:55 »

And secondly what is the most "new driver" friendly car she should go for ?
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Doctor Gollum

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Re: Insurance for first time drivers
« Reply #6 on: 06 April 2017, 21:40:15 »

Peugeot 108 Just add fuel/Citroen C1/Toyota Aygo or VX Viva... cheap and cheerful :y

Otherwise go alot older... prefacelift 2.0 Omega and get her taught how to handle it safely ;)
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amazonian

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Re: Insurance for first time drivers
« Reply #7 on: 06 April 2017, 23:41:00 »

Just out of interest does that kind of 'free' insurance still qualify you for ncd later on ?

 :)
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Doctor Gollum

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Re: Insurance for first time drivers
« Reply #8 on: 06 April 2017, 23:53:22 »

Just out of interest does that kind of 'free' insurance still qualify you for ncd later on ?

 :)
Should do, as it's in the name of the finance holder... if yoofs are working/receiving income or allowance, then there's no reason for the agreement not to be in their name.

Waters might be muddied somewhat if bank of Mum and Dad make direct payment  though :-\
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henryd

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Re: Insurance for first time drivers
« Reply #9 on: 07 April 2017, 10:58:15 »

Daughter passed her test today so it's only a matter of time before she starts looking for a car , any tips on keeping the cost down , me as named driver etc or which insurers are good to deal with ?

When the quote is being done add both yourself and the wife as drivers so long as licenses are clear,drops premium quite a bit :y
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Viral_Jim

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Re: Insurance for first time drivers
« Reply #10 on: 07 April 2017, 11:02:29 »


When the quote is being done add both yourself and the wife as drivers so long as licenses are clear,drops premium quite a bit :y

I would do it this way round. "Fronting" (putting an older person as the main driver when they don't actually drive the car) has been a significant focus of the insurance industry in recent years and claims have been refused because of it - with decisions upheld by the FoS.

Just Add Fuel would be my preferred way to go
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btc

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Re: Insurance for first time drivers
« Reply #11 on: 07 April 2017, 12:46:40 »

Some of the just add fuel schemes have a large upfront payment and limited miles allowance when I looked last year the upfront payment on a Peugeot 107  was more than buying a car and paying the first years insurance
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Doctor Gollum

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Re: Insurance for first time drivers
« Reply #12 on: 07 April 2017, 12:49:52 »

Was but one example, Vauxhall did have a free insurance offer on Corsas :y
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btc

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Re: Insurance for first time drivers
« Reply #13 on: 07 April 2017, 13:12:03 »

It was a year ago in fact nearly 2 now offers maybe better  :y
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Doctor Gollum

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Re: Insurance for first time drivers
« Reply #14 on: 07 April 2017, 13:53:33 »

Ended last month at Evans Halsham...

Anyhow, define a budget and spend a day shopping :y
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