Insurance for provisional driver.

[mustang1]

You'll find out when an uninsured driven car crashes in to your driverless car and you have to pay the bill.

Yes you're right.

Another scenario: how about when....mmmh actually I was going to say how about when all cars, trucks, buses are driverless.. We still have those pesky cyclists.

 

[toffee]

The eldest would not even be able to have one of those black box thingys as he is a music student and would have to drive late at night back from gigs. For the time being, he just has to cadge lifts with other musicians.

That's not a problem with most of the black box policy now.There are no "fine" for late nights speeding etc.

Derek

 

[Nigel-YZ1]

Knowing a lad who's had 3 bike crashes and rolled a car within 3 days of buying it, with someone else to blame every time (oh yes, of course), I understand why policies are so high.
Doesn't make it fair on the sensible ones.

 

[Cubist]

Neither of my twins' black box policies have any form of time limit or curfew. Cubester's rewards safe driving by adding extra insured miles for free, and Cubette's refunds the premium by a percentage every quarter. Both systems give regular updates and reports on driving styles, and suggestions on areas for improvement such as braking and cornering.

 

[awomaninsane]

My thoughts now are:
1. Do I buy a new year long policy with her included or
2. Buy her a stand alone policy?

 

[bikingdad90]

I am insured with Admiral/Elephant and used to pay around £1,000 for a V reg Megane 1.4 petrol.

It is worthwhile playing with the quote depending on the insurers. Putting you as a main driver, than your significant other on and then your daughter may work out cheaper than putting your daughter after you as some times the order effects premiums. I also look at changing my job title from accounts assistant to assistant accountant and could save up to an extra £50! Bizarre I know!

Also worth checking out all the cars in the family as sometimes 'family' cars work out cheaper than 'small' engine cars as young drivers are more likely to drive more sensibly in a car they don't own.

Upon passing consider doing the pass plus course as that made a difference in the premiums too.

 

[PaulSB]

The job title thing does make a difference. I work as a Sales Manager in horticulture. Put occupation as Sales Manager and the premium rockets. Put myself down as horticulturalist (I am qualified to do so) and it drops!!

 

[awomaninsane]

I'm a learning mentor but that doesn't exist so I have to put myself down as an assistant teacher- which I'm not but it is the nearest thing I've found.

 

[PhilDawson8270]

I was the same. Passed my test at 24, got a new job which came with a lease car. By the time the lease was up 3 years later, I was on maternity leave which they managed to use as an excuse not to let me have another one!
Can't afford to teach either of my boys to drive due to the cost of the insurance. The eldest would not even be able to have one of those black box thingys as he is a music student and would have to drive late at night back from gigs. For the time being, he just has to cadge lifts with other musicians.

They can still lessen to drive and get their licence though.

Always useful to have it, and if they don't get a car for 3 years. They have still held a licence fit that long when they ask.

 

[4F]

Road tax is £20, or £00 on the slightly later model..

ahem, road tax ? tut tut

 

[Julia9054]

They can still lessen to drive and get their licence though.

Always useful to have it, and if they don't get a car for 3 years. They have still held a licence fit that long when they ask.

I do wonder about how safe they are though if they learn but then don't drive for some time after passing.

 

[PhilDawson8270]

I do wonder about how safe they are though if they learn but then don't drive for some time after passing.

They can always get refresher lessons. There are no downsides to getting it early.

 

[mjr]

I do wonder about how safe they are though if they learn but then don't drive for some time after passing.

It's as easy as riding a b... no, wait, it isn't...

 

[Deleted member 1258]

Knowing a lad who's had 3 bike crashes and rolled a car within 3 days of buying it, with someone else to blame every time (oh yes, of course), I understand why policies are so high.
Doesn't make it fair on the sensible ones.

My youngest lad had only been past his test a few weeks when he got wiped out on a roundabout, someone in a large 4x4 pulled across the front of him, spun his Corsa round, and just kept going, a neighbour was behind the lad and went after the 4x4 but it was being driven that fast and dangerously that he abandoned following it. Fortunately they were only shaken and not hurt, he'd just picked up his girlfriend from work, there was no insurance claim, me and my Good Lady got the Corsa patched up using a friend of his driving instructor, but its still on his record, He declared it to the insurance company, and it still affects his premium.

 

[perplexed]

With young drivers, I did read/hear somewhere that the thing to do is look hard at the choice of car.

Many have mentioned small hatchbacks - which on the face of it are relatively cheap, but on the other hand they are popular amongst the young. Ergo, they are the cars that get crashed spectacularly on a depressingly regular basis. Which of course makes insurance companies jumpy.

The gist of the article, or whatever it was, was for the young driver to go a bit off piste with his/her choice of rolling iron. For example, look at getting a small to middle size saloon car with a sensible engine size which is a few years old. Random example - VW Bora might turn out to be cheaper than a newer Polo... From memory, the writer managed to insure a BMW 3 series saloon for less than a Corsa, or summat...