Slightly OT - Learner driver insurance

[ARWadsworth]

That is why I said occupants and not driver. The occupants are a 3rd party.

[Steve Walker]

It's advisable not to drive home after passing a test anyway, as the elation can be very distracting - supposedly it's not all that rare an occurrence to either crash, be done or even banned for something on the way home!

SteveW

[Jethro]

Fair point - subtle distinction I missed 1st time !

[<me9]

Last time we checked (we had an 10yo micra at the time -- worth little) it was more expensive TP (not sure about F&T) than comprehensive. Shortly afterwards we did have a claim for almost the full value of the car (covered because we still had comp) when one of the children drove into the back of a car turning right. It didn't seem to affect her insurability, but it hit my NCB!

[Mark]

Indeed. I'd expect even TP would be too expensive for many teenagers.

Ugh! We're not letting the kids drive our car.

[Mark]

It's a mix of the two, otherwise fully comp would not (generally) be more expensive than TP[1].

It's one of the factors but not the whole story.

[1] Although, for low risk cars & drivers, fully comp can be cheaper than TPFT.

[Mark]

Why? Both myself and SWMBO are insured to drive my car but we are rarely in it at the same time.

[Mark]

IIRC statistically you are most likely to have a crash within the first month of passing your test. Therefore you should refrain from driving for a month ;-)

[Jethro]

You're trying to work backwards from what the stats say, to your personal situation ... the stats will say a 2-person policy is a lower risk to the insurer. They don't say *why*.

[Jethro]

Hmmm, possibly there is evidence that *some* people insured FC drive more carefully than those that don't ...

[Terry Casey]

When I passed my test, the instructor insisted on driving me home - well, to the station, actually, as I was on my way to work (late morning).

I needed the licence for the job, which resulted from a career change following redundancy.

Apart from the obvious congratulations, nothing else happened until five o'clock, when a colleague was instructed to drive me to a garage in Stepney, where I took delivery of a brand new Escort van ...

So, my first solo drive started at the height of the rush hour on a dark October night. From the garage, I turned into a side street, then joined the A13 - which was jammed solid! I recall that my first mile solo took 28 minutes ...!

One thing I wasn't prepared for was the motor-cyclists oozing between the lanes of traffic with an endless stream of headlights filling, on occasions, both mirrors.

Talk about a baptism of fire! I've always been surprised that I didn't arrive home a gibbering wreck!

[djc]

Fully comp on an old car with a large excess, isn't likely to cost the insurance company much more than TPFT if there is a claim, The TP element will be the same in any case, and if there is no third party its may not be worth the loss of NCB to claim

[Andy Champ]

Hmmm. My son is here tonight, so I asked him who you should go to for learner insurance. (he's 25. Obviously I'm 39...).

He suggested your bank manager :(

Andy

[mogga]

this in the paper the other week and made a note of it for my own little cherub in April.

[Man at B&Q]

Which bit of the small print did you not read? It's a Metro reader offer valid until 31st Jan.

MBQ

[mogga]

In that case take the metro bit out and replace it with www (which I probably should have done anyway) There are apparently lots of companies offering this sort of insurance for learner drivers.