Provisional driving licences and Car Insurance...

[Maz]

Hi

Someone told me that it's best to get a provisional driving licence ASAP because the sooner you get one, then if you pass your driving test, the cost of insurance is reduced. i.e. the longer you've held your provisional licence, it works in your favour when it comes to car insurance.

Is this correct? Anyone have any experience of this, either for themselves or for a son/daughter?

Thanks

 

[mattobrien]

From insurance I have taken out in the past, they have asked length of period that. Have held a licence / from when I passed my test. I am not sure an early provisional will help too much in terms of lowering costs

 

[vernon]

I'm sure that premiums are more dependent upon the length of time you've held insurance and not the length of time that you've held the license.

The age of the the licence holder and the car to be insured also makes a big difference.

 

[srw]

Go onto a price quotation site and see whether the question you're asked is "how long have you held a full licence" or "how long have you held a licence". Use that to deduce the answer to the question you asked.

 

[fossyant]

If the driver is young then the cost will still be high.

 

[Firestorm]

I passed my bike test at the age of 19
I didnt get a car licence until I was 31
When i was how long I had held a licence for my car insurance it was always the length of time since I had passed my car test.

 

[Deleted member 1258]

The one I fell over when I got my car last year was lack of checkable history, I've had a motorbike license since 1972 and a car license since 1982 but hadn't owned a vehicle for over 30 years, I drove commercial vehicles a lot during that time but didn't have a vehicle of my own, this put my premium up.

 

[Schmilliemoo]

I passed my bike test at the age of 19
I didnt get a car licence until I was 31
When i was how long I had held a licence for my car insurance it was always the length of time since I had passed my car test.

Beautiful bike! This is mine

 

[Kies]

Insured 17 year old learner driver on our 1.4 golf. Price is £780 for the year. Once he passes it will jump up to around £1800 !!!!!

 

[Shux]

Kies who is that with? as I tried to get insurance for my son and daughter today on a 1.2 S reg fiesta and the company who supposedly specialises in 17>24 year olds with black box fitted was going to cost £7600 and that price is not a typo

How can they specialise with them rates also had stipulations of time car could be used and keeping to speed limits with £100 fine for each time you broke an agreed limit

They told me that the cost of the car is not really relevant as it is the cost of the damage they can cause

 

[T.M.H.N.E.T]

My insurance literally halfed when I renewal quoted at 25yo. First year was £1500 on a 1.9SDI Polo @22yo <-- cheap!

ps: had full bike licence since 17

 

[Shux]

My son has been on his bike since 17 now 19 with no claims against him, but can't carry no claims from different class of vehicle

 

[PaulSB]

The one I fell over when I got my car last year was lack of checkable history, I've had a motorbike license since 1972 and a car license since 1982 but hadn't owned a vehicle for over 30 years, I drove commercial vehicles a lot during that time but didn't have a vehicle of my own, this put my premium up.

I had s similar problem with company cars and not having an NCD in my own name. There's no obligation but your employer's insurance company should be able to provide a letter confirming your experience and claims, or lack of, history.

 

[Deleted member 1258]

I had s similar problem with company cars and not having an NCD in my own name. There's no obligation but your employer's insurance company should be able to provide a letter confirming your experience and claims, or lack of, history.

Yes this was discussed at the time, unfortunately one place is no longer there and there were problems at the other place which were a factor in my redundancy so it wasn't an option.

 

[ASC1951]

Insured 17 year old learner driver on our 1.4 golf. Price is £780 for the year. Once he passes it will jump up to around £1800 !!!!!

Because he can then drive unsupervised.