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General Chat Thread, Car insurance For Young Drivers? in General; Hi there, Can anyone recommend specific insurance companies who deal with young drivers or charge reasonable rates for young drivers? ...
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    FN-GM's Avatar
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    Car insurance For Young Drivers?

    Hi there,

    Can anyone recommend specific insurance companies who deal with young drivers or charge reasonable rates for young drivers?

    I have used price comparison sites, just wondering what specific companies people can recommend please?

    Thanks

    Z

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    Edu-IT's Avatar
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    On your own policy or named driver? For named driver I found Churchill to be cheapest. For your own policy try Quinn.

    Steer clear of Direct Line and the supermarket insurance (Asda/Sainsburys) as they'll not insure you. Tesco will though.

    charge reasonable rates for young drivers?
    They're all expensive when you first pass.

    Edit: I've just noticed a pun! Wasn't intentional.
    Last edited by Edu-IT; 31st August 2008 at 06:47 PM.

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    powdarrmonkey's Avatar
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    Make sure you insure someone else (preferably an older woman) on the policy as a named driver, and it knocks shedloads off the premium. Or have them registered as the policy holder and you as a named driver.

    When I learned I had a policy that cost a bit more until I passed, but didn't go up afterwards, so it worked out at about £800 I think - I've a feeling it was Norwich Union. My own car and policy to start with was £530 I think, after a year's no claims it has come down to £350 with breakdown. (Churchill).

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    If you are the main driver you must be insured AS the main driver. I have seen various young drivers caught out for fronting and get no payout whatsoever.

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    powdarrmonkey's Avatar
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    Hmm, ok I didn't know that as I wasn't the main driver at the time. Sorry Zak.

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    Quote Originally Posted by DMcCoy View Post
    If you are the main driver you must be insured AS the main driver. I have seen various young drivers caught out for fronting and get no payout whatsoever.
    Can you elaborate a bit here as I thought it was standard practice these days that young people bought cars in their parent's name, registered the insurance in one of their parents names and put themselves on as a named driver.

    Certainly how it was when I first passed ...

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    Quote Originally Posted by kmount View Post
    Can you elaborate a bit here as I thought it was standard practice these days that young people bought cars in their parent's name, registered the insurance in one of their parents names and put themselves on as a named driver.

    Certainly how it was when I first passed ...
    Yeessss... it's also making a false declaration. As far as the insurance company would be concerned it's the same as drink driving.

    Firstly, for fully comp/fire/theft insurance the name listed on the insurance policy must have 'insurable interest' in the car, viz: if i buy a car for £1,000 today, and insure it in another person's name. In the event that the car is then smashed up, that person will have no financial loss - I will have done, and therefore the policy must be in the name of the person who will recieve a financial loss in the event of risks covered by the insurance policy. On a "normal" claim, I'm sure that person would pass the cheque onto me, but it's still not correct.

    Secondly, as far as third party claims go, you make a declaration that you are the main driver. In the event of you having making a major claim.. I'm talking flying through a house when you've lost it on a bend on a flyover or the Selby Rail Crash.. this is the time when you want your insurance to be top notch.. or even a 10 car pile up. This will be the time when insurance investigators look into the fact that in your house, you have a large saloon car belonging to daddy, a corsa belonging to mummy, and the saxo with a body kit also belonging to "mummy". Oh, and asking your neighbours who drives that 'silver car with the big exhaust' most etc.

    This is the point at which your insurance company start personally pursuing you for the cost of the third party damage.. for a ten car pile up including injury claims, this could easily be half a million. The Selby Rail Crash, for instance, was well over £5m.

    Oh, and also, in the event that your insurance company cancel/refuse your insurance, you could be done for driving without insurance too (6pts+fine).

    For instance, I've got the CTR insured in my name and I'm the main driver - it's also my car. I'm also covered as a named driver on both of my parent's policies - cars I don't own, but drive infrequentley.

    K

  8. 2 Thanks to kylewilliamson:

    kmount (31st August 2008), ZeroHour (1st September 2008)

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    Mm... again, lack of experience here but what if a couple shared a car and drove it equally 50/50 what would they do there?

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    Go through all the comparison sites, there's only about 6 or so - that should pretty much give you the best idea... do Direct Line as well - they don't show up on the comparitors. And agreed, if you are the main driver, you should be listed as such, but get your mum as a named driver - she might need to drive it one day

    Oh, and as an aside, when I first passed, I did Pass Plus and got my first years NCD straight away. - and this does carry on... at the beginning of my second year, I already had 2 years NCD, etc..



    Andy

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    Quote Originally Posted by kmount View Post
    Mm... again, lack of experience here but what if a couple shared a car and drove it equally 50/50 what would they do there?
    As far as a spouse goes (and this includes common-law spouses too) it's fairly irrelevant - for instance, for some insurance companies you can insure a car legally even if your spouse is the registered owner. You can, as far as your spouse is concerned, move insurance around too to get a betterpremium - like insuring the bigger car in the name of the older wife, for instance. That's all perfectley legally with most (if not all) insurance companines.

    Theres an insurance principle of 'utmost good faith' too - that unless proved otherwise, you were acting in good faith. It could get complicated if you jointly owned a car with a friend, and drove it both 50/50 of the time... You'd need to get special terms from an insurer and it probablay wouldnt be worth it anyway.

    Kyle

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    Quote Originally Posted by DMcCoy View Post
    If you are the main driver you must be insured AS the main driver. I have seen various young drivers caught out for fronting and get no payout whatsoever.

    I was going to say that

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    Cheers for the information Kyle∑

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    Go through all the comparison sites, there's only about 6 or so - that should pretty much give you the best idea... do Direct Line as well - they don't show up on the comparitors. And agreed, if you are the main driver, you should be listed as such, but get your mum as a named driver - she might need to drive it one day
    From what I've heard from friends and experienced myself Direct Line class pretty much all young drivers as high risk and won't insure them. You could try to insure a smart car with them and they'd probably still refuse. I wouldn't waste your time with them.
    Last edited by Edu-IT; 31st August 2008 at 09:34 PM.

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    Try Bell Direct, Liverpool Victoria and Tesco.

    Might be worth getting a car mag (dare I say Max Power) and looking through some of the adds at the back. You might stumble across some less well known company who specialise in younger drivers.

  17. Thanks to K.C.Leblanc from:

    FN-GM (31st August 2008)

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    Quote Originally Posted by DMcCoy View Post
    If you are the main driver you must be insured AS the main driver. I have seen various young drivers caught out for fronting and get no payout whatsoever.
    I will, i know someone who didn't get a payout because they put there parent on as the main driver. Not to mention that it is illegal

    Quote Originally Posted by K.C.Leblanc View Post
    Try Bell Direct, Liverpool Victoria and Tesco.

    Might be worth getting a car mag (dare I say Max Power) and looking through some of the adds at the back. You might stumble across some less well known company who specialise in younger drivers.
    Thanks mate

    I am looking for suggestions of companies please so keep them coming.

    I have done the pass plus and i will be getting full comprehensive cover in my name only.

    Thanks

    Z

    EDIT: just to add i will get my no claims if i am the named driver (providing i dont make one)
    Last edited by FN-GM; 31st August 2008 at 10:21 PM.

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