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Teenagers car insurance any tips?

My daughter is 17 and probably a couple of months of taking and hopefully passing her driving test. Has any one got any advice on the cheapest company to use for car insurance? Any tips would be appreciated - Thanks
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Comments

  • I found that Churchill were the most reasonable (though still v expensive). If she is going to have her own car you can take an option where you have a tracking device fitted to the car, checking on how the car is being driven - that brings down the premium.
  • Clone someone else's plates
  • Try these guys - not on search engines and were good for my first car (8 years ago, mind). http://www.flintinsurance.co.uk/contact.htm

    Can't hurt to call?
  • Two bits of info:

    http://www.wearemarmalade.co.uk/cars-for-young-drivers

    are specialists in this sector, and

    Check out the Tesco young driver box, where you buy monthly "miles" and are rewarded with free miles the following month for good driving reports, or sent a revised monthly bill if you have been a bit "boy-racer".
  • Another good move is to buy a cheap moped insure it in her name - lock it away in the garage - and after a year she will have 1yr no claims insurance in her name and this makes quite a difference to 1st car premiums
  • The best deal we got was by adding him on to me and the wifes Admiral multi car policy
  • When I first passed, you were still eligible for no claims bonus as a named driver from Tesco. Worked well and saved a few quid for a few years before moving on to my own policy.
  • edited March 2014
    Direct line were competitive for Ms Lat but that was 8 years ago. Since then for youngest daughter have had insurance in her name with Admiral as part of a multicar plan and have found them to be be the cheapest.

    You never know who will be the best though until you have to make a claim!
  • The black box to monitor the driving is offered by a few companies and is a good idea generally, not just to lower the premiums.
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  • Try these guys they are new driver and learner driver insurance http://www.wearemarmalade.co.uk/
  • R u thinking of getting a car before she passes to learn in?
  • We are going to get her a car when she passes.

    Thanks everyone we have a list of companies to try now that we are working our way through, keep them coming though :)
  • Add yourself as a named driver on her policy. It brings the premium down
  • Add yourself as a named driver on her policy. It brings the premium down

    and is totally illegal if she is the main driver.
  • Yes, it is
  • my son has myself and my wife added as named drivers on his policy, it virtually halved the price of his policy !
  • Look at ingenie
  • Add yourself as a named driver on her policy. It brings the premium down

    and is totally illegal if she is the main driver.
    No it isn't. As long as the teenager is the main driver/policy holder and the additional named driver is merely an occasional driver of the vehicle. I assume you are thinking about "fronting" where, for example, an ancient policy holder is shown as the main driver but adds a teenager to a policy and the teenager is in reality the main driver? But that's not what has been suggested here.
  • edited March 2014

    Add yourself as a named driver on her policy. It brings the premium down

    and is totally illegal if she is the main driver.
    As posted above.. Fine for teenager to be main if they are just not named when they're main!

    I do find it bizarre though. I had myself as a main driver and wanted to see how much it would cost extra to have my mum as a named driver on my car. I was shocked to see it knocked £200 off my premium.

    OP it's a tough thing you have to ride for a while. I'm male and 23. My first premium was well over £1,300 as a named driver, now it's coming down to £400 (and I wrote that first car off!)

    Age will change the premium so much! Unfortunately telling a 17/18 year old who's just passed their test to wait a few years often isn't very popular!
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  • cafcfan said:

    Add yourself as a named driver on her policy. It brings the premium down

    and is totally illegal if she is the main driver.
    No it isn't. As long as the teenager is the main driver/policy holder and the additional named driver is merely an occasional driver of the vehicle. I assume you are thinking about "fronting" where, for example, an ancient policy holder is shown as the main driver but adds a teenager to a policy and the teenager is in reality the main driver? But that's not what has been suggested here.
    Excately, That is what I assume PrincessFiona was alluding to. There is no problem adding your son or daughter to your policy if they are just going to be using your car at weekends etc, but if you have your own car & they have their own, that they use daily and you never touch, then having them on your policy as a named driver is an offence.
  • edited March 2014
    Direct Line (others may do the same) offer the ability to build up no claims for named drivers. I had (and have) my daughters as named drivers on my policy.

    When my oldest daughter bought her own car in her own right it was considerably cheaper for her to insure with Direct Line. She now has acquired her own no claims history.

    I realise this won't help the Opening Poster now but is a potential "tip" for others.

    Disclaimer: I am talking 9 years ago.

  • edited March 2014

    cafcfan said:

    Add yourself as a named driver on her policy. It brings the premium down

    and is totally illegal if she is the main driver.
    No it isn't. As long as the teenager is the main driver/policy holder and the additional named driver is merely an occasional driver of the vehicle. I assume you are thinking about "fronting" where, for example, an ancient policy holder is shown as the main driver but adds a teenager to a policy and the teenager is in reality the main driver? But that's not what has been suggested here.
    Excately, That is what I assume PrincessFiona was alluding to. There is no problem adding your son or daughter to your policy if they are just going to be using your car at weekends etc, but if you have your own car & they have their own, that they use daily and you never touch, then having them on your policy as a named driver is an offence.
    How do you work that out?

    My wife and daughter have their own cars but are named drivers on my policy as am I on theirs. I've made the position transparently clear when garnering quotes for renewal and have never been told I (we) am (are) committing an offence!

    We do drive each others vehicles but rarely. However it is comforting to have the option should someone have an unplanned drink, be unwell, need to take or collect a vehicle for service etc
  • LenGlover said:

    cafcfan said:

    Add yourself as a named driver on her policy. It brings the premium down

    and is totally illegal if she is the main driver.
    No it isn't. As long as the teenager is the main driver/policy holder and the additional named driver is merely an occasional driver of the vehicle. I assume you are thinking about "fronting" where, for example, an ancient policy holder is shown as the main driver but adds a teenager to a policy and the teenager is in reality the main driver? But that's not what has been suggested here.
    Excately, That is what I assume PrincessFiona was alluding to. There is no problem adding your son or daughter to your policy if they are just going to be using your car at weekends etc, but if you have your own car & they have their own, that they use daily and you never touch, then having them on your policy as a named driver is an offence.
    How do you work that out?

    My wife and daughter have their own cars but are named drivers on my policy as am I on theirs. I've made the position transparently clear when garnering quotes for renewal and have never been told I (we) am (are) committing an offence!

    We do drive each others vehicles but rarely. However it is comforting to have the option should someone have an unplanned drink, be unwell, need to take or collect a vehicle for service etc

    Sorry Len, but you may have misunderstood what I posted (or it wasn't very clear). What you are doing is all legal & above board. What wouldn't be is having a policy in your name with your daughter as a named driver when you never drive the insured car and she does.
  • edited March 2014
    Marmalade was very good for us whilst our eldest was learning. Not so good afterwards.

    Best advice I have is shop around, don't go with your fist quote. Also bear in mind also that some companies are linked and are amenable to policy switches and cancellations if their sister/subsidiary benefits. For example Elephant is (was?) owned by Admiral. My son was allowed to switch between the two to get a better deal after committing.
  • LenGlover said:

    cafcfan said:

    Add yourself as a named driver on her policy. It brings the premium down

    and is totally illegal if she is the main driver.
    No it isn't. As long as the teenager is the main driver/policy holder and the additional named driver is merely an occasional driver of the vehicle. I assume you are thinking about "fronting" where, for example, an ancient policy holder is shown as the main driver but adds a teenager to a policy and the teenager is in reality the main driver? But that's not what has been suggested here.
    Excately, That is what I assume PrincessFiona was alluding to. There is no problem adding your son or daughter to your policy if they are just going to be using your car at weekends etc, but if you have your own car & they have their own, that they use daily and you never touch, then having them on your policy as a named driver is an offence.
    How do you work that out?

    My wife and daughter have their own cars but are named drivers on my policy as am I on theirs. I've made the position transparently clear when garnering quotes for renewal and have never been told I (we) am (are) committing an offence!

    We do drive each others vehicles but rarely. However it is comforting to have the option should someone have an unplanned drink, be unwell, need to take or collect a vehicle for service etc

    Sorry Len, but you may have misunderstood what I posted (or it wasn't very clear). What you are doing is all legal & above board. What wouldn't be is having a policy in your name with your daughter as a named driver when you never drive the insured car and she does.
    I see you mean "fronting."

    Agreed.
  • Insure the box, they were the best I could find.
    They fit a tracker in the car, which helps with costs.
  • Admiral were not to bad ...just do the compare the market site ....good luck not cheap ...no matter how you approach it
  • I was not advocating fronting as that is illegal - it's ok to put someone who is ONLY an occasional driver as a named driver on your policy. And with some companies they can build up a sort of no claims history which can help. This is illegal if someone is named as an additional driver on a policy when they are actually the main driver; this is fronting.

    What I was suggesting was the youngster in question having their own policy, but having at least one other experienced adult as a named driver on the young person's policy. It reduces the premium, as I originally discovered a few years back by accident.
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