roboldham Posted April 7, 2009 Share Posted April 7, 2009 Hi folks We've just had the new au pair start and I can't believe the price of insurance for new drivers! She's only just 18 (March) and only just passed her test (Feb) and I'm trying to get her insured, only driver, on an L reg Corolla - worth about £600, third party FT. Best price is about £1800 - bloody stupid! Anyone know any good insurance companies / ideas? TIA Cheers R Quote Link to comment Share on other sites More sharing options...
patrikbrunt Posted April 7, 2009 Share Posted April 7, 2009 couldnt you insure yourself and just list her as named driver? Generally is cheaper that way? Im sure theres a company where named drivers earn their own NCB too Quote Link to comment Share on other sites More sharing options...
RiceRocket Posted April 7, 2009 Share Posted April 7, 2009 Im sure theres a company where named drivers earn their own NCB too That would be DirectLine. Quote Link to comment Share on other sites More sharing options...
Kranz Posted April 7, 2009 Share Posted April 7, 2009 Swiftcover.com I use it for all my policies. Stick an oldie on to drive and its much reduced Quote Link to comment Share on other sites More sharing options...
Safely Insured Posted April 7, 2009 Share Posted April 7, 2009 That would be DirectLine. Please bare in mind that no one apart from Diect Line recognise these 'NCB' officially. Quote Link to comment Share on other sites More sharing options...
Safely Insured Posted April 7, 2009 Share Posted April 7, 2009 couldnt you insure yourself and just list her as named driver? Generally is cheaper that way? Cheaper but it is called fronting. Insurance companies and Police are getting more and more wise to this.. especially young drivers with modified cars, insured under mummy or daddy's name. Quote Link to comment Share on other sites More sharing options...
roboldham Posted April 7, 2009 Author Share Posted April 7, 2009 It was insured in my name originally and cost £2K to add her! I have it down to £1080 with Churchill so far.... Will try Directline and Swiftcover on the offchance! Cheers R Quote Link to comment Share on other sites More sharing options...
RiceRocket Posted April 7, 2009 Share Posted April 7, 2009 Might worth looking into her going through a PassPlus course if you have the time. They cost around £100 and can reduce premiums by 30% with those partaking in the scheme. Quote Link to comment Share on other sites More sharing options...
Pixelfill Posted April 7, 2009 Share Posted April 7, 2009 Cheaper but it is called fronting. Insurance companies and Police are getting more and more wise to this.. especially young drivers with modified cars, insured under mummy or daddy's name. Ollie, can you clear something up for me on this. How are you supposed to insure a car in the following scenario... A while ago (not the same situation anymore as my father doesn't drive at the moment) I tried to insure the following. I am the owner of a car, my father was to be the main driver and I would drive the car very infrequently. He had his own No-claims bonus, but it was no longer attached to any vehicle - he'd sold his. When I initially tried to insure the car in his name using his NCB I was told that only the owner of the vehicle can insure it, and that I could not use his NCB at all. As my NCB are attached to the Supra I had to start again on the other vehicle, with him only as a named driver, but obviously main driver. His full NCB entitlement subsequently expired. How does this differ to what was suggested to Rob earlier in the thread as Rob obviously owns the car? Or in your own example if mummy or daddy OWN the young driver's modified car? Thanks Mike Quote Link to comment Share on other sites More sharing options...
patrikbrunt Posted April 7, 2009 Share Posted April 7, 2009 Cheaper but it is called fronting. Insurance companies and Police are getting more and more wise to this.. especially young drivers with modified cars, insured under mummy or daddy's name. Surely its down to insurance companies to change the way they price policies then in order to stop it from happening? Ive never really understood it anyway, ive had my dad insured as a named driver on my car for years, and he's probably only driven it a couple of times, yet it offers a reduction in price? Bizarre. Quote Link to comment Share on other sites More sharing options...
Guest SupraTroopa Posted April 7, 2009 Share Posted April 7, 2009 I found admiral good for young drivers. Or there's this company that my mate used to use called youngdrivers4u (or similar name, cant quite remember) which he said was cheap. Quote Link to comment Share on other sites More sharing options...
roboldham Posted April 7, 2009 Author Share Posted April 7, 2009 Well Direct Line winning so far - £964 in my name with au pair as named driver (but I guess she wont earn proper NCB) and £1067 for her as only driver.... Still pricey but better than the £1800+ of earlier! R Quote Link to comment Share on other sites More sharing options...
glenn Posted April 7, 2009 Share Posted April 7, 2009 Well Direct Line winning so far - £964 in my name with au pair as named driver (but I guess she wont earn proper NCB) and £1067 for her as only driver.... Still pricey but better than the £1800+ of earlier! R try admiral. Quote Link to comment Share on other sites More sharing options...
Aldo87 Posted April 7, 2009 Share Posted April 7, 2009 id try bell or admiral iv always used them as they've been the best for me. Even better is if you go with bell and au pair goes first driver you can select an extra, think its about 30 quid for the year, and it lets her drive any other car 3rd party. Bell are the only ones that seem to do it as you need to be over 25 to get it from most companies.... Quote Link to comment Share on other sites More sharing options...
tony tt Posted April 7, 2009 Share Posted April 7, 2009 Try Diamond insurance they do specific insurance for women drivers mate my girlfriend is with them and there the cheapest around compared to the quotes i got from the likes of admiral and norwich union etc. Quote Link to comment Share on other sites More sharing options...
Chris Wilson Posted April 7, 2009 Share Posted April 7, 2009 18 year old au pair??? Jeez, the only insurance I'd be worrying about was the pill for her and some viagra for me.... Quote Link to comment Share on other sites More sharing options...
tony tt Posted April 7, 2009 Share Posted April 7, 2009 18 year old au pair??? Jeez, the only insurance I'd be worrying about was the pill for her and some viagra for me.... Quote Link to comment Share on other sites More sharing options...
roboldham Posted April 7, 2009 Author Share Posted April 7, 2009 Ok, done Diamond, done Bell, done Admiral - their online quoting sites look suspiciously similar - just different logos / colours - oh, and suspiciously similar prices - all as high as most other peeps. I rang them up and they said yes, they essentially were the same company "rating different things slightly differently" - just some money mens marketing statistics going on - bloody insurance market as smoke and mirrors as the banking sector. Glad I'm not 18 and trying to insure my first motor! So - Direct Line "best" so far, followed closely by Churchill! R Quote Link to comment Share on other sites More sharing options...
roboldham Posted April 7, 2009 Author Share Posted April 7, 2009 18 year old au pair??? Jeez, the only insurance I'd be worrying about was the pill for her and some viagra for me.... Well if you can afford the premiums....... R Quote Link to comment Share on other sites More sharing options...
Holden1989 Posted April 7, 2009 Share Posted April 7, 2009 i insured my KA luxury for £600 when i was 17 with More Than, and that was fully comp with a vechicle value of £4k not bad considering i was getting quotes minimum of 2k of everyone else, try them Quote Link to comment Share on other sites More sharing options...
merckx Posted April 7, 2009 Share Posted April 7, 2009 18 year old au pair??? Jeez, the only insurance I'd be worrying about was the pill for her and some viagra for me.... You're the last person I expected a comment like that from. But that's exactly what I was thinking too. Quote Link to comment Share on other sites More sharing options...
Ric Posted April 7, 2009 Share Posted April 7, 2009 AFAIK direct line named drivers get their own NCD Quote Link to comment Share on other sites More sharing options...
Mrs H Posted April 7, 2009 Share Posted April 7, 2009 Ollie, can you clear something up for me on this. How are you supposed to insure a car in the following scenario... A while ago (not the same situation anymore as my father doesn't drive at the moment) I tried to insure the following. I am the owner of a car, my father was to be the main driver and I would drive the car very infrequently. He had his own No-claims bonus, but it was no longer attached to any vehicle - he'd sold his. When I initially tried to insure the car in his name using his NCB I was told that only the owner of the vehicle can insure it, and that I could not use his NCB at all. As my NCB are attached to the Supra I had to start again on the other vehicle, with him only as a named driver, but obviously main driver. His full NCB entitlement subsequently expired. How does this differ to what was suggested to Rob earlier in the thread as Rob obviously owns the car? Or in your own example if mummy or daddy OWN the young driver's modified car? Thanks Mike Not quite the same scenario, but my company car is insured in my name and my documents just state that I am neither the owner or the registered keeper. Vicki x Quote Link to comment Share on other sites More sharing options...
bigcol Posted April 7, 2009 Share Posted April 7, 2009 Well if you can afford the premiums....... R well if you can afford an au pair, then the insurance should be a doddle Quote Link to comment Share on other sites More sharing options...
Samueltastic Posted April 7, 2009 Share Posted April 7, 2009 I was with Quinn Direct for my first car at 17 passed after 2 months of been 17 and it was £800 for me as main driver and my dad as a named. Not bad for a male at my age with a corsa which are usualy more to insure as they are deamed 'Chavy' (Not suprisingly) Quote Link to comment Share on other sites More sharing options...
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