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.
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.
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
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
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 :(
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
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.
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...
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.
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.
Insurance pricing is odd..
I recently looked around on the comparison sites for a cheaper policy for
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.
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.
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