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Looking for Car Insurance for a young driver

matt05800 Avatar
7y, 7m agoPosted 7 years, 7 months ago
Hi, I have very recently passed my driving test and am looking to be insured as a named driver on a family car.
I would like to start building up my own no-claims bonus, as well as being able to get a discounted quote for doing the Pass Plus scheme.

If anybody has any suggestions or knows of anywhere that is particularly good for young drivers I would be very grateful.

Thank You
Matt
matt05800 Avatar
7y, 7m agoPosted 7 years, 7 months ago
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(18) Jump to unreadPost an answer
Responses/page:
#2
thanks for replying so quickly, I will check these links out
#3
endsleigh was good for me, but depends on car etc?
i have scooby now and highway good for me no
#4
direct line let you build up your no claims when insured on someone else's policy
#5
My daughter (18) just passed her test in April and some of the qoutes we were getting for her as a named driver were astronomical, but tried Churchill as an option thinking it would be as dear as the rest, but were quoted £600 (was £550 but paid extra to protect no claims) in total for fully comp for My wife, me and our daughter.Plus our daughter is building her own no claims with the policy. the next best to that was in the £1500+. So it may ne worth a try as even though 600 is a lot it`s a lot better than thousands.

http://www.churchill.co.uk/
#6
housefan
direct line let you build up your no claims when insured on someone else's policy


Not a genuine NCB though of course.
#7
Hi, I have very recently passed my driving test and am looking to be insured as a named driver on a family car.
I would like to start building up my own no-claims bonus, as well as being able to get a discounted quote for doing the Pass Plus scheme.

If anybody has any suggestions or knows of anywhere that is particularly good for young drivers I would be very grateful.

Thank You
Matt


Is this your family's car or your car?
#8
Try Quinn direct or Hughes
#9
[url]www.gocompare.com[/url] is good too. Go through Quidco and get £2 cashback on a qoute.
#10
pghstochaj
Is this your family's car or your car?




It's the family's car, not mine.
#11
matt05800
It's the family's car, not mine.


Ok, Pass Plus is unlikely to count as a named driver and as a named driver you will never earn genuine NCB, just NCB that may be usable with the same company you were on as a named driver. This may be a false security since you might find that it doesn't offer the cheapest price in the future, despite the named driver NCB.

Finally, does the main driver/policy holder (I am assuming your mum or dad) not already have insurance that you will need to be added to?
#12
pghstochaj
Ok, Pass Plus is unlikely to count as a named driver and as a named driver you will never earn genuine NCB, just NCB that may be usable with the same company you were on as a named driver. This may be a false security since you might find that it doesn't offer the cheapest price in the future, despite the named driver NCB.

Finally, does the main driver/policy holder (I am assuming your mum or dad) not already have insurance that you will need to be added to?


Yeah, I have heard something about the non-genuine NCB, where it only counts if you stay with the current insurer.

Yes I would be able to be added to the current policy (parents) but the insurer ignores Pass Plus and no NCB can be gained (non-genuine or genuine).

I was tempted to say I was female as this seems to reduce quotes considerably, which is quite annoying.
#13
You can't insure a car twice, you have to be under your parent's insurance if I have understood what you have said.
#14
pghstochaj
You can't insure a car twice, you have to be under your parent's insurance if I have understood what you have said.


You are wrong.

My best mate is a mini cab he insures his car fully comp in case it gets nicked+ Third party only for hire and reward for cabbing it is quite legal.

Checked with the police.
#15
You'd have to be insured in your own name to build proper no claims as others have said.

If you go with say Direct Line as a named driver, consider this to be Direct Line Only no claims bonus. In this way, they try to secure your business for the future.

That said, if you do say 3 years as a named, then are willing to have a year with Direct Line, i'd imagine that since you've done a proper year, they may display that as 4 years no claims on your renewal and you'd be able to take that elsewhere. I might be wrong though.

If you do decide to try and find insurance in your own name, consider pass plus, and also add an older driver (preferably female). This knocks quite a bit off your insurance. Don't assume that adding 2 older drivers will be cheaper though as it often drives the cost back up!

Chris
#16
I used elephant from age 17 - 20 - found them by far the cheapest. I now use Swift.
Definately check confused.com - it's easy to use and have goty my best quotes using it.
#17
Thank you everyone for all your help.

It seems the non-genuine no claims bonus is great if I stay with the insurer, but they won't be counted if I change insurance companies.
Pass Plus reduces quotes by about 10% with some companies, so it seems worthwhile doing it.

Matt
#18
ive heard quinns is good for insurance but i would just use money supermarket confused and them lot look for the best one

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