Insuarance advise for Teenage Daughter

[keancy]

Our Daughter is 17 next month and we are going to buy a Car this weekend. Now I am not quite sure how to work this with Insurance.

 

She wants to insure the car in her name from beginning to build up no claims etc. and have me as a named driver so I can use the car but as far as I understand she can't insure the car until she is actually 17 and has her provisional?

 

I want to take her out to an abandoned airfield near where we live before her birthday, can I drive the car and be covered by my own fully comp insurance or is that only if her car is insured at the time. i.e. if the car isn't separately insured is my insurance not valid either to drive it?

 

Advise appreciated

 

(*just realised I miss spelled insurance in title, my bad)

[Ric]

direct line will let you have a named driver, but they build up their own no claims

 

could be worth investigating if its cheaper

 

as for insurance for her on a provisional, check with your insurer

[keancy]

direct line will let you have a named driver, but they build up their own no claims

 

could be worth investigating if its cheaper

 

as for insurance for her on a provisional, check with your insurer

 

Yeah I know but direct line won't touch my Supra because of the kit etc..... plus I am told if I insure another car my insurance is likely to go up too (not sure if that's true though)

[mark newman]

the car must be insured , before your insurance to work

[keancy]

the car must be insured , before your insurance to work

 

Thank you, I did wonder.

[jay n_a]

your covered third party on another vehicle if it has but only if it insurance

 

some companys now do policys were a named drivers also get no claims my sister has two years no claims for being a named driver on her own car that my mun insurse for her

[keancy]

your covered third party on another vehicle if it has but only if it insurance

 

some companys now do policys were a named drivers also get no claims my sister has two years no claims for being a named driver on her own car that my mun insurse for her

 

Might give my insurance a call and see what they say.

[jay n_a]

Might give my insurance a call and see what they say.

 

its worth it as shes only 18 and she drives a citreon c1 its only a 1L but she pays £400yr im sure it would be double that on her own

[Abz]

I pretty sure she will not be able to start building up her no claims until she actually has a license. With regards to insurance on driving another car the above advice is correct. Car needs to be insured in order for your insurance to cover it.

[keancy]

I pretty sure she will not be able to start building up her no claims until she actually has a license. With regards to insurance on driving another car the above advice is correct. Car needs to be insured in order for your insurance to cover it.

 

Yeah I get that, the thing is I don't want to have the car insured on my insurance if I end up getting penalised i.e. higher premium for the Supra. At same time I don't want to insure the Car in my name for a month or two elsewhere then have hassle of changing it over to her :s

[SuperGibbon]

I work for an insurance company and nowadays all companies are really cracking down on named drivers being the main user of the car, if they find out it can void your policy completely and you won't get any refund. Best way is for her to insure with about 3 older named drivers even if they won't be driving the car. If you do chose to insure it with her as the named driver it shouldn't effect your Supra policy unless you do it as a multicar policy

 

Sorry about the wall of text.

[keancy]

I work for an insurance company and nowadays all companies are really cracking down on named drivers being the main user of the car, if they find out it can void your policy completely and you won't get any refund. Best way is for her to insure with about 3 older named drivers even if they won't be driving the car. If you do chose to insure it with her as the named driver it shouldn't effect your Supra policy unless you do it as a multicar policy

 

Sorry about the wall of text.

 

It's ok I get it. She will only insure me as named driver incase I need to use her car, I will be driving her care very rarely because I like the power of a Supra over a 1.2 Vauxhaul Corsa any day

[scorling]

I have three daughters who all started driving at 17 on provisional licenses with insurance policies in their own name with me and my wife as named drivers. It's a bit more expensive in the first couple of years, we paid £900 for the first year for the youngest, but if they are claims free then the no-claims makes a big difference after that. The premium for her Polo 1.4CL was £550 this year.

 

One more daughter to go!

 

Very different for sons apparently; I understand that the frst year premium can be up to £2,500 and I don't know any that have any no claims after two years!!

[garethr]

...my sister has two years no claims for being a named driver on her own car that my mum insures for her.

That's a big no-no if your sister is the main user of the car.

 

INSURANCE DAILY - Illegal ‘Fronting’ In Car Insurance A Growing Problem

[keancy]

I have three daughters who all started driving at 17 on provisional licenses with insurance policies in their own name with me and my wife as named drivers. It's a bit more expensive in the first couple of years, we paid £900 for the first year for the youngest, but if they are claims free then the no-claims makes a big difference after that. The premium for her Polo 1.4CL was £550 this year.

 

One more daughter to go!

 

Very different for sons apparently; I understand that the frst year premium can be up to £2,500 and I don't know any that have any no claims after two years!!

 

Thank you for that reply I appreciate it. Just a bit of a pain as we getting the car today and she won't have her provisional till 16/9 which means the car will have to sit uninsured for a few weeks and I won't be able to take her out with it

[Scooter]

Thank you for that reply I appreciate it. Just a bit of a pain as we getting the car today and she won't have her provisional till 16/9 which means the car will have to sit uninsured for a few weeks and I won't be able to take her out with it

 

You can look at daily/weekly insurance (insuredaily.co.uk) for you to drive it if you are then going somewhere on private land for her to have a go........

[keancy]

You can look at daily/weekly insurance (insuredaily.co.uk) for you to drive it if you are then going somewhere on private land for her to have a go........

 

Yeah that is the plan, but it's 15 minute drive away so I will need it legal to get her there first

[Dozymare]

I've managed to get other cars temporarily added to my insurance for a few weeks with a couple of insurers (so my policy covered me for two cars). Worked out very reasonable. Pretty sure it worked with both Aviva and Elephant.

[Chris Wilson]

That's a big no-no if your sister is the main user of the car.

 

INSURANCE DAILY - Illegal ‘Fronting’ In Car Insurance A Growing Problem

 

 

Considering that clip is from 2007 they don't seem to have done much about it, just like they have done sod all to help those that feel they have been victim of arranged accidents whereby someone deliberately causes a bump in order to fraudulently claim injury damages. There are countless people on record, apparently, claiming their insurance company was unwilling to get involved checking out their fears that they were targeted, and would rather just pay out instead. Greater Manchester, Bradford and other inner city or urban areas has seen a huge rise in this scam in the last 2 years.

[keancy]

I've managed to get other cars temporarily added to my insurance for a few weeks with a couple of insurers (so my policy covered me for two cars). Worked out very reasonable. Pretty sure it worked with both Aviva and Elephant.

 

Have now got it insured for 28 days along side the Supra on same Policy just in my name. After that she will do her own insurance.

 

Thanks all for the advise though.