Car Insurance -Young Driver

16
Posted 21st Nov
Looking for a quote for my daughter (19) who recently passed her test. She's a student nurse studying in Manchester. Quotes so far have all included black box for 6k years. Best quote has been circa £2000. Anyone able to offer any advice or insurance companies/@agents so that I can try to get a more competive quote. Cheers
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Kind of car she going to be driving?
I'd keep clear of the black box.
Have you tried putting yourself on her policy as a named driver. Or even buying the car insuring it yourself and putting her as a named driver just until shes been driving a year.
Add other drivers that are low risk such as yourself you may need to borrow the car and it put the premium down for my kids. Has she been named on your policy at all some companies will give a discount if she has been named on a policy with them before
Also my kids both had black box it worked well for daughter but not so well for son. But no loss he just didn’t get discount the second year
I strongly recommend tweaking every option on there to see how it affects price. I helped my sister knock £1000 off her quotes by tweaking the options. Play around with job descriptions (e.g instead of student nurse, try just student) and putting "co-habiting" instead of single can save another £50-£100.
Even choosing a different cover start date can be as much as £100 differencr
This is an often asked question as young driver cover is crazy expensive. As ever the only answer is to follow the guide on Moneysavingexpert which is basically cover all the main comparison sites, then do the ones that are not on those sites individually. There are so many personal variables that any advice on here as to which insurer to use is probably going to be wrong.
From your post, I'd imagine one of the big negative factors will be a Manchester postcode, same for most big urban centres.
BTW if you go down the named driver route, you must declare if she is the main driver or not and if she lives at the same address as you do. If you obscure the truth, you have no cover in a crash.
Edited by: "airbus330" 21st Nov
Maybe just put nurse instead of student nurse, I heard adding landline telephone number helps apparently
Edited by: "bally12345" 21st Nov
Toon_army21/11/2019 17:02

Kind of car she going to be driving?I'd keep clear of the black box.Have …Kind of car she going to be driving?I'd keep clear of the black box.Have you tried putting yourself on her policy as a named driver. Or even buying the car insuring it yourself and putting her as a named driver just until shes been driving a year.


Beware of "fronting". Any claim and you'll find your insurance is invalid if you're found out.
Cheers for all the advice so far.
The ca
Toon_army21/11/2019 17:02

Kind of car she going to be driving?I'd keep clear of the black box.Have …Kind of car she going to be driving?I'd keep clear of the black box.Have you tried putting yourself on her policy as a named driver. Or even buying the car insuring it yourself and putting her as a named driver just until shes been driving a year.


Car is a a 1.0l Hyundai I10. Proper beast it is
Paddy_o_furniture21/11/2019 18:42

The ca Car is a a 1.0l Hyundai I10. Proper beast it is


Hey it's probably better than my first car Vauxhall Nova SR, I was adamant my first car would be an Escort RS Turbo but the quotes were mental, so the Nova lasted me a year lol.
Have you tried family policy where you add a few cars into a policy? You can all drive each others car apart from her as shes not 21/25
Toon_army21/11/2019 18:46

Hey it's probably better than my first car Vauxhall Nova SR, I was adamant …Hey it's probably better than my first car Vauxhall Nova SR, I was adamant my first car would be an Escort RS Turbo but the quotes were mental, so the Nova lasted me a year lol.Have you tried family policy where you add a few cars into a policy? You can all drive each others car apart from her as shes not 21/25


The nova sr was a terrible/unreliable car, but I wish I still had mine, worth a fortune now although I miss its looks
Try using Aviva drive app it’s gives you a discount after 200 miles in my case with with multicar got 48% off quote on first year around £1700 and Second year £1300 off with the same 48% discount
Toon_army21/11/2019 17:02

Kind of car she going to be driving?I'd keep clear of the black box.Have …Kind of car she going to be driving?I'd keep clear of the black box.Have you tried putting yourself on her policy as a named driver. Or even buying the car insuring it yourself and putting her as a named driver just until shes been driving a year.


Fronting is illegal, it could invalidate your insurance and land you in court.
Douglas_Birks21/11/2019 19:31

The nova sr was a terrible/unreliable car, but I wish I still had mine, …The nova sr was a terrible/unreliable car, but I wish I still had mine, worth a fortune now although I miss its looks


Yeah it was pretty poor, loads of my old cars are worth fortunes now. Sold a Renault 5 GT Turbo back in 2004 for £200 lol, Series 2 Escort RS Turbo £1200, if only I had a time machine!
Toon_army21/11/2019 17:02

Kind of car she going to be driving?I'd keep clear of the black box.Have …Kind of car she going to be driving?I'd keep clear of the black box.Have you tried putting yourself on her policy as a named driver. Or even buying the car insuring it yourself and putting her as a named driver just until shes been driving a year.


So you're saying he should commit fraud?

Fronting is illegal.
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