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hey, i wanted to know about what's allowed and what isnt. I'm 22 and passed roughly 5-6 months ago. I'm wanting to drive occasionally to gain experience on the roads so don't think I need my own car o… Read More
ukting Avatar
4m, 2d agoPosted 4 months, 2 days ago
hey, i wanted to know about what's allowed and what isnt. I'm 22 and passed roughly 5-6 months ago. I'm wanting to drive occasionally to gain experience on the roads so don't think I need my own car or want to be main driver but I'd like to be a named driver on my mums car.

The quote is coming out to £970 approx which is nice but i'd like to know where exactly does fronting begin to occur? If it's only driving 1-2 a twice just around my area to and from the shop, and my ma is doing the other 90% going work/everywhere else would that be fine?

thanks
ukting Avatar
4m, 2d agoPosted 4 months, 2 days ago
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#1
Yes as long as your not the main driver it's not fronting.
If your driving 51% of the time and your mother 49% then it would be fronting, but so long as she is driving more then you it's fine.
#2
Yes, but also consider an option where named drivers get to build up NCB as well. Your mum's insurance might not.
#3
I know Direct Line gives named drivers there own NCB which they can use when they get their own policy out with DIrect Line. Worked a treat for us.
#4
Is the £970 for brand new insurance or is it a new quote? Cancellation fees will be about £60 for your mum's insurance.
#5
MIDURIX
Is the £970 for brand new insurance or is it a new quote? Cancellation fees will be about £60 for your mum's insurance.


No shes at renewal at the moment, so its a new quote. But its from bell to admiral so same company for the most part.
#6
Yes you need to be a named driver - my daughter does the same, she doesn't drive every day but she can pop to the shops etc as a named driver.
#7
try toyota insurance very competitive 0800 350 500
#8
caroline777upnorth
Yes you need to be a named driver - my daughter does the same, she doesn't drive every day but she can pop to the shops etc as a named driver.


Ok great, thats essentially all i need to use the car for. What is your annual premium with your daughter included if u dont mind
#9
let's knw wat they price u they r not on websites
#10
Thats a lot of money, what car does she drive??

It might work out cheaper medium/long term to buy your own cheap car, and have her (and a grandmother if possible) insured to drive it as well.

At your age, I would expect a cheap, low insurance group car to cost perhaps £600-£700 fully comp, but you will be earning a full NCB (I think the policy mentioned above only gives you NCB with the insurer, it doesnt transfer to other insurers).
Pick a 10 year old, unfashionable car to get the best quotes; I got my son an old Skoda Felicia for £350 (fssh, one owner, low mileage and from a dealer!!).

The more often you drive, the faster you become competent; driving a couple of miles per week, and you will never improve.
#11
Gentle_Giant
Thats a lot of money, what car does she drive??

It might work out cheaper medium/long term to buy your own cheap car, and have her (and a grandmother if possible) insured to drive it as well.

At your age, I would expect a cheap, low insurance group car to cost perhaps £600-£700 fully comp, but you will be earning a full NCB (I think the policy mentioned above only gives you NCB with the insurer, it doesnt transfer to other insurers).
Pick a 10 year old, unfashionable car to get the best quotes; I got my son an old Skoda Felicia for £350 (fssh, one owner, low mileage and from a dealer!!).

The more often you drive, the faster you become competent; driving a couple of miles per week, and you will never improve.


Its a honda jazz 05.

In all fairness my mums only got 1 full no claims as she was off driving before, we live in west london so not the nicest place of places to own a car.

She was getting 620 roughly without me so I thought another 300 to get myself isnt bad at all.

Also i don't need a car at this point, since everything is walking distance. Having my own would most definitely be a far greater net cost, i was getting quotes of 1400-1600 with a VW Lupo.

I think that £300 so i can do a few drives to help out isnt too bad. Maybe there is better, havent checked too much.
#12
Gentle_Giant
Thats a lot of money, what car does she drive??

It might work out cheaper medium/long term to buy your own cheap car, and have her (and a grandmother if possible) insured to drive it as well.

At your age, I would expect a cheap, low insurance group car to cost perhaps £600-£700 fully comp, but you will be earning a full NCB (I think the policy mentioned above only gives you NCB with the insurer, it doesnt transfer to other insurers).
Pick a 10 year old, unfashionable car to get the best quotes; I got my son an old Skoda Felicia for £350 (fssh, one owner, low mileage and from a dealer!!).

The more often you drive, the faster you become competent; driving a couple of miles per week, and you will never improve.


That's NOT a lot of money for a young inexperienced driver. For a cheap fiesta I've seen driver only prices of several £1000 for similar & that was in rural Suffolk
#13
ukting
caroline777upnorth
Yes you need to be a named driver - my daughter does the same, she doesn't drive every day but she can pop to the shops etc as a named driver.
Ok great, thats essentially all i need to use the car for. What is your annual premium with your daughter included if u dont mind
It's £400 extra to have her on the insurance - it was just over £600 the first year for both of us on quite a small car (Polo)
#14
In the long run, better off having your own insurance, may sound silly now, but in 5 years time when you have 0 NCD and you're still paying £1,000+ instead of around £200 with the NCD you'll regret it.
#15
Rich44

That's NOT a lot of money for a young inexperienced driver. For a cheap fiesta I've seen driver only prices of several £1000 for similar & that was in rural Suffolk

A cheap car doesnt mean cheap insurance, nor does the lowest group insurance car either; you have to find a car that doesnt have a high resale value, is in a reasonably low insurance group with a small engine and UNPOPULAR.

Fiesta is a very popular car with teens (ditto Ford Focus, Renault Clio, BMW3, VW Golf etc), lots get crashed and so the perceived risk is higher. pick an old Hyundai or Kia, and even though the insurance group is higher, the insurance will often be less - because teens dont buy and crash them.
If in doubt about a car you are looking at, think - "would an old lady drive this?", if the answer is "yes", you are probably looking at a car most teens wouldnt be seen dead in, and so cheaper to insure.

Also (and it is stupid) age plays more of a role than experience, my wife cant drive, yet insurance for her on a provisional license (in her 40's), is less than for my son, who is 24 and been driving with a clean licence since he was 17, and has 6 years NCB. (Same model/spec car, and nearly the same year).

@UKTing,

Being in London, insurance is pricier, and I can understand the logic behind your decision, the Jazz is a good car (Made in China lol), but Hondas are expensive to repair and insure, and your mums lack of NCB makes it worse; if you have a grandparent close by, with a suitable car, you might find it cheaper to go on theirs.

If her insurance is up for renewal in the next few months, I would hold off adding yourself, and check out quotes from other providers first. Also look at special "starter" insurance, where you get a full years NCB after 10 months.

Just make sure you get plenty of practice (and dont crash).(_;)
#16
Gentle_Giant
Thats a lot of money, what car does she drive??

It might work out cheaper medium/long term to buy your own cheap car, and have her (and a grandmother if possible) insured to drive it as well.

At your age, I would expect a cheap, low insurance group car to cost perhaps £600-£700 fully comp, but you will be earning a full NCB (I think the policy mentioned above only gives you NCB with the insurer, it doesnt transfer to other insurers).
Pick a 10 year old, unfashionable car to get the best quotes; I got my son an old Skoda Felicia for £350 (fssh, one owner, low mileage and from a dealer!!).

The more often you drive, the faster you become competent; driving a couple of miles per week, and you will never improve.


u must have a very good insurance deal and the area u live in must be cheaper to insure at that age a fully comp driver would really struggle under 1000 pounds on almost all cars and majority of the UK. most people I have known pay around 1500-2000 at that age for something like a micra corsa etc.
#17
attariya786
let's knw wat they price u they r not on websites


I doubt they will be any cheaper at the moment it's admiral elephant and lv in the cheaper prices for younger drivers.
#18
When my son was your age elephant part of the aviva group was best price its online just read previous comment oops

Edited By: amycharlie on Jan 24, 2017 17:57
#19
As said above this scenario definitely isn't fronting. If it was your car and you was the main driver that would be a different scenario. Admiral give named driver ncb as well so if you want insurance and you stay within the group it's as good as your own. Also if you have more than 1 car in your house (another family member) then get them to quote it from renewal as part of a multi car deal. It will drop the £970 price between £100 - £200 cheaper. (also cheaper by another 10% if household insurance is with Admiral). Also if it's just your mum and yourself on the policy it will be cheaper if another experienced driver is on there (dad etc).

It is worth doing a quote with you as the policy holder though as a lot of the time it's cheaper that way.


Edited By: JohnnyRoller on Jan 24, 2017 19:32
#20
muddassarsardar
attariya786
let's knw wat they price u they r not on websites


I doubt they will be any cheaper at the moment it's admiral elephant and lv in the cheaper prices for younger drivers.


they worked out cheaper for my dad who lives in a high risk area worth a try

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