SN
Joined: 03 Jan 2006
Location: Doing the Lambeth Walk
Posts: 6955
 
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| Fully Comp Insurance for 17 year olds |
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Since my lad passed his driving theory & hazard perception test today (well done Dan!  ) it has dawned on me that very soon he will want a car of his own - this will require ME to get him insured fully comp and one outcome of this (I believe) is that he will be able to drive on third party cover, other cars with owners permission. Obviously there's one owner and one car that concerns me here - me and my D3  - so my question is, has anyone got a view on whether the 'any other car third party' rule generally applies to fully comp insurance for 17 year olds?  Steve N (qzd)
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 Wed Feb 27 2008 3:06pm |
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CFB
Joined: 02 Dec 2005
Location: In't North somewhere....
Posts: 2208
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A lot of insurance companies are withdrawing the right to drive other cars 3rd party Steve. You might find your D3 is safe  2008 Defender 110 XS CSW
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| Wed Feb 27 2008 3:20pm |
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Gareth
Site Moderator
Joined: 07 Dec 2004
Location: Bob the Builders 'ere
Posts: 9417
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I'm just about to go through the same pain My eldest is 17 next month, and is keen to learn to drive. He has even got himself a job to help pay.
I have agreed to buy a small car in which I can help him learn to drive, he will also be taking professional lessons. When (if) he passes his test, the said small car can be his car to use as and when he can afford to. I have been looking at Polo/Corsa/Saxo/Punto. There are loads for sale.
I was planning on insuring the car myself, with Tom as a named driver. I also intend to use this car in the short term as an alternative to the D3 for shorter journeys and commuting. I want to keep some miles off my car, and the price of fuel is frankly costing me a lot when compared to what I can claim back before the taxman gets me 
I would be interested in hearing how you get on Steve, as you are probably a few months ahead of me in the process. Silver TDV6 HSE
Pepper White Cooper S Convertible
Old English White MGB GT
Ex Military 109 Series 2a Soft Top
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| Wed Feb 27 2008 3:29pm |
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chesters
Joined: 03 Oct 2005
Location: The Toon
Posts: 418
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I am going through this now my son has passed his theory test and practical is coming up soon. To have him as a named driver on my wifes golf 1.9 TDi its and extra £1700. So its up for sale and are thinking of buying a VW Fox 1.2 Urban group 1 insurance and £115 road tax. For my wife and my son it's £950 fully comp protected with the Co-Op. If I am a second named driver it's another £400. So If I drive it i will use my Disco policy Third party only because it's not owned by me. You have to be careful as if it's a second or third car in the household, they automatically assume its his car. His mates have better quotes as they are only a one car household.
It's a nightmare. Arctic Frost Discovery 3 TDV6 SE, Active Rear Diff, Adaptive Head Lights, Tow Pack, Ebony Leather, Roof Rails, Mantec Guard. Tasmod Stainless Sill plates. Grabber AT2's. Home made mud flaps. Side Steps back on until the next time.
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| Wed Feb 27 2008 4:44pm |
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npinks
Joined: 31 Jan 2008
Location: Kippax
Posts: 128
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I used to work in the insurance industry
Some now offer NCD on named drivers on your policy obviousley have to build this up in the same way and transfer it to their own car eventually.
If you ring them up they will asume since you and you wife have car the 3rd car is obvioulsy going to be your sons and may insist you insure it in your sons name.
They are quite within their right to not pay a claim if they have any belief the car has been bought for your son and insured in your/wifes name. (obviously different if your wife is changing cars to lower prem.)
I personally would advise to get your son a cheap car, insure it as cheap as possible (third party fire theft), this way he gets his no claims discount. also Look into things like the PASS PLUS test which could save you 5% and try local brokers aswell as large insurance companys (BTW The AA was voted the most expensive company in a recent article i read)
Check with the quote for your wife and son, they don't have it down as wife & husband its a trick they use to get the sale, when your documents come through you suddenly find you need to pay another £400 due to a spouse discount having to be removed due to your son been the 2nd driver
Keep away from cars that have been modified, also the popular cars like saxo, fiesta, corsa can have a higher rating due to there been more of them on the road, (more on road = more crashes = higher premiums)
Thats my advices anyway I hope it helps
edited: The driving other car section of a policy normally only applies to drivers over the age of 21, CHECK THE SMALL PRINT on this!!!!
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| Wed Feb 27 2008 5:12pm |
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shiny moose
Joined: 13 Nov 2007
Location: Capital of Mercia
Posts: 977
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I had all this last year, I ended up with using my full comp, full NCB policy off my old MG and adding him to that - since then as he work and lives away 4 days a week, the insurance company has on my request named him as the main driver which helps. It is costing me £800 year on a 1.2 Punto Silver TDV6 S with sat nav, PTI and Moosed up a bit
"PROGRESS IS MANS ABILITY TO COMPLICATE SIMPLICITY"
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| Wed Feb 27 2008 6:42pm |
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Alex E
Holy Bratwurst!
Joined: 22 Mar 2006
Location: Club Tropicana (the drink's aren't free)
Posts: 633
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why would you let your son or anyone drive a disco3 3rd party? if he had a mishap and wrote it off, it'd cost YOU a fortune to replace it. and lets face it if he could replace it you wouldn't be worrying about the cost of insurance.  I'm Powered by........Diesel 
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| Wed Feb 27 2008 6:45pm |
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bucksta
Joined: 17 Mar 2008
Location: Cotswolds
Posts: 17
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Just recently passed my test, am 18 and my parents are now going through the process of buying a dico 3. With me going to uni in the next 6 months we have decided not to buy myself a new car but to get insured on the new landy  . We have checked with many insurers and have recieved quotes, the cheapest being £2k a per year fully comp with my parents being the main drivers. This i feel is pretty cheap to say that i will be able to drive a 2.7ltr £25k car! I reccomend that you just shop around and try and find the best deal, its worth it!
Lloyd
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| Mon Mar 31 2008 11:05am |
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SN
Joined: 03 Jan 2006
Location: Doing the Lambeth Walk
Posts: 6955
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This is still rumbling on for me - we're now looking at a 1.0L 3-pot Corsa - seems to be around the £1500 mark for my lad as the main driver ... Steve N (qzd)
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| Mon Mar 31 2008 11:21am |
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al cope
Joined: 08 Nov 2005
Location: Oldbury, WM
Posts: 1568
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Steve
been through this lately as well with my lad. Prices have gone up a lot since we started looking late last year. Then, a 1.1 206 was around a grand, now closer to 1500 quid, same on a 1.0 corsa.
As he's off to uni in Sept, we've decided to hold fire buying a car, as parking at most Uni's is either restricted/not safe/charged for. If he wants to drive, he'll have to go out in disguise in his mom's 1.4 Scenic
Al TDV6 S - Tonga with Ebony
(and 19" RRS alloys, satnav & DVD)
Vote for Global Warming - Cambridge on Sea sounds good to me, no more using the M5 to get to the seaside
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| Mon Mar 31 2008 12:36pm |
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discoagogo
Joined: 30 Aug 2007
Location: Hampshire
Posts: 110
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In my experience you won't get the 3rd party only benefits on other vehicles on a fully comp policy until you are 25. 2007 TDV6 XS Silver
Running with some BioDiesel
4x4 Prejudice
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| Mon Mar 31 2008 12:56pm |
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SN
Joined: 03 Jan 2006
Location: Doing the Lambeth Walk
Posts: 6955
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Well Dan passed his test today Where's the proud dad emoticon?
SWMBO's insurance has now gone down by £100
Expensive weekend coming up.... Steve N (qzd)
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| Fri Apr 04 2008 8:41pm |
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NoDo$h
Joined: 02 May 2006
Location: Dodging peanuts
Posts: 5689
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Be strong SN, be strong..... wd40 has lubrication properties similar to spit. And what's good enough for the girls......  Going, going...... Gone!
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| Fri Apr 04 2008 8:45pm |
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AVE
Joined: 13 Nov 2006
Location: In the land of the Superlambanana
Posts: 672
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Congratulations Dan Disco 3 TDV6 HSE
Mini Cooper
Previous car: Disco 2 V8
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| Fri Apr 04 2008 8:46pm |
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BCP
Joined: 25 May 2005
Location: East Scotland
Posts: 740
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17 year olds passing their tests
Bad news is that this is when they are at most risk of an accident. The risk of crashing is exponential to the number of passengers carried.
I would say don't buy them a car, let them use the D3 if they need to use a vehicle otherwise take the train / bus. It is heartbreaking to read about the deaths of 17-24 year old males every single weekend. Common denominators are small car, mates in the car, after hours and excessive speed.
BCP expo rack, xenons, knackered ball joints and a crumpled seat.
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| Fri Apr 04 2008 10:09pm |
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