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
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 =A3350. I asked how much extra it would be to add my wife on (who is 26) whilst she learns and was quoted an extra =A3300.
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 >=A38000 for a 1L Corsa.
But basically, give them a ring and find out.
Philip
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.
At that rate its cheaper to not do anythign and pay the fine if caught.. Brian
It may be cheaper to pay the fine, but its going to cost a lot more if you have an accident.
Plus attract enough points to lose the learner's licence, and have a nasty impact on the supervising driver's.
Damn. I thought I invented that one. ;-)
Which one of the reasons why there are so many uninsured drivers on the road.
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
17yo male, non-pikey area, 1.4 diesel Fusion cost about =A3800 extra on top of the existing =A3400 for an Admiral multi car policy. Stayed aboput the same once he passed.
Highest quote was over =A310,000!
MBQ
could always try
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
There is a company that gives learners their own insurance on a monthly basis, and it is reasonably cheap whilst earning no claims bonus. You'll have to google it as I can not for the life of me remember the name, but it is not a big name company.
The problem comes when you go for the test, if you pass you can not drive home as you are no longer insured!
-- Mark BR
I think it was maramlade - very reasonable I think it £90 for 3 months for a specific car - insurance ceases the second they pass the test - but usually this is not a problem since test is usually taken in intructors car for which he pays the insurance. Worked a traet for my step son - he passed after about 2.5 months and I dont need valium anymore :-) just a mortgage for his insurance
maramalade - I did post a longer answer but get an error !!
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.
There are plenty of on-line quotations available or go to one of the portals such as GoCompare, Moneysupermarket etc. Remember to tick (or is it untick) the appropriate privacy box to avoid being swamped with calls and emails.
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.
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.
IIRC instructors won't let you drive the car back after you pass the test.
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