Slightly OT - Learner driver insurance

The junior light of my life has decided that she would like dad to give her driving practice in addition to paying for her lessons, so kind. Before I agree to this and contact my insurance sharks, has anyone a rough guide to how much extra they are likely to extort from me, as a percentage ie is it likely to double my premium. Thanks
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Entirely depends on her age, where you live, what car you drive, what numbers come up on a pair of dice etc.
It won't cost you anything to just get a quote.
I have full no claims and drive a 1L Suzuki Swift on a 52 plate, am 33 and live in a rural area. Insurance last year was £350. I asked how much extra it would be to add my wife on (who is 26) whilst she learns and was quoted an extra £300.
It usually costs less to insure a young driver on a provisional licence rather than their first full licence as they are supervised.
On the other hand I have heard horror stories of new drivers in areas such as Bradford being charged >£8000 for a 1L Corsa.
But basically, give them a ring and find out.
Philip
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On 26/09/2011 09:24, snipped-for-privacy@gmail.com wrote:

I think the old adage "If you have to ask the price you cannot afford it" may well apply here. as Philip posted, just ask.
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Residing on low ground in North Staffordshire

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wrote:

Damn. I thought I invented that one. ;-)
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Bit of a presumption that! I am in work and posted the question merely out of curiosity, we are not permitted to make phone calls. My previous experience of this group is excellent, especially when asking such vague questions as mine. Thanks for your response however and to all the others, will give Saga a ring later tonight
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On 26/09/2011 11:26, johno wrote:

ISTR trying Saga when in a similar position and never mind getting an "eff-off" quote, I just got a flat "NO" from them (ie for any driver under 21).
Insurers' attitudes to vary dramatically, so worth shopping around. It's likely to be worth cancelling your existing policy and taking out a new one which looks favourably on adding a learner.
My top tip - Aviva (not available via any of the comparison sites) but by far the best value when I wanted to add teenage learners to a hitherto ultra low-risk policy.
Haelth warning - you might assume that once she passes her test the insurance might be a bit cheaper; but you'd be wrong - she'll be considered far higher risk once she's out and about on her own and tere will probably be another step hike in premium :(
David
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On Mon, 26 Sep 2011 17:26:44 +0100, Lobster

That's a shame. Saga come out fairly high in customer satisfaction surveys. OTOH they do specialise in insurance for the more mature customer so that may explain it.

Aviva are often cheap but do perform poorly on customer satisfaction surveys (but then few have high scores for that).

I believe there are additional qualifications that can be taken (like pass plus) which may help to reduce insurance premiums. And then there's the pay-as-you-drive policies.
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On Tue, 27 Sep 2011 09:03:35 +0100, Mark wrote:

I've been happy with customer service from Aviva for quite a while. Couple of accidents, arranging hire cars, etc no problems and UK call center.

Is it the Co-op that has a GPS unit that monitors your driving, automagically uploads the data and that allows them to adjust your insurance permium accordingly. Drive like a lunatic and your premium goes up, drive "sensibly" and it goes down.
--
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Dave.




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At that rate its cheaper to not do anythign and pay the fine if caught.. Brian
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It may be cheaper to pay the fine, but its going to cost a lot more if you have an accident.
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On 26/09/11 10:31, dennis@home wrote:

Plus attract enough points to lose the learner's licence, and have a nasty impact on the supervising driver's.
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On Mon, 26 Sep 2011 10:31:58 +0100, dennis@home wrote:

Assuming you get caught and convicted and then have the resources to pay and more than £10/week (on the dole guv, family of five to keep fed... etc etc)
Like has been said high insurance premiums are a very strong incentive not to have insurance, particulary if you don't have a big income or any savings. As for a valid licence, if people are driving without insurance then driving without a valid licence is small fry. Same for MOT and tax...
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On Sep 27, 11:55 am, "Dave Liquorice"

Yes, sometimes wonder why do we bother to work hard, buy a house, attempt to save for rainy days, stay on the right side of the law etc. when so many fritter it all away on cider and cigs etc, get multiple slappers pregnant and will live on handouts from the state (i.e you and me) for the rest of their lives.
Philip
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That's why lots of youngsters resort to fronting.
They really do want to be insured but cannot afford it.
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Adam



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On Mon, 26 Sep 2011 10:01:09 +0100, "Brian Gaff"

Which one of the reasons why there are so many uninsured drivers on the road.
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snipped-for-privacy@gmail.com wrote:

Times have changed. 10 years ago I put my wife on the car insurance. She was 18 years old and not from the UK and my insurance costs went down! In fact for the first 3 years after we split up I kept her insured on my car as it worked out cheaper.
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Adam



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On Mon, 26 Sep 2011 18:27:44 +0100, "ARWadsworth"

When I first added my wife to my car policy my premiums went down slightly even though she had had an accident a couple of years before.
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Insurance pricing is odd.. I recently looked around on the comparison sites for a cheaper policy for the wife. When I put her in on her own it came back as £580. When I added myself as a named driver it dropped to £280. Neither of us have made a claim or had an accident in 30 years (the only previous claim was for a stolen radio).
Its with direct line now as it was cheaper than the comparison sites.
I also noticed that it costs more to insure my corsa than it does the wife's Astra even though the corsa has a smaller engine, lower top speed, etc. They appear to think they are more likely to get stolen or something.
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Maybe the Corsa would suffer more damage and cost more to repair than the Astra in an identical crash.
Or maybe the smaller cars result in more personal injury claims than bigger cars as the occupants are not as well protected.
--
Adam



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On Tue, 27 Sep 2011 09:55:03 +0100, "ARWadsworth"

Maybe the Corsa is newer?
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