As I said above, it depends on what the current trend is in late teen cars. Saxos are a popular choice which will push the cost up. It can also be down to the cost of parts with Citroen being French.
Don't really understand this EU sex discrimination ruling. The cost is higher for males based on higher risk - not sex per se. What's the problem? It's the testosterone.
Thanks for all your comments. I rang RAC today (my insurer) and tried to get an idea of cost..automatic extra £400 excess and then they said they wouldn't insure a learner driver on my policy! I have been driving 26yrs and have full no claims.
I only mentioned it because the driving instructor suggested I do it for when he has had a good few lessons and to get more experience.
Perhaps back to drawing board...I'm due to renew in June so may leave till then. RAC said they don't do short term additions either only for full term of policy
------------- 2026
Various weekends, weather and time permitting
April - Yorkshire and Yorkshire
June - Wiltshire and Oxfordshire
Autumn - North and Scotland
Our daughter is currently learning to drive but we have not been able to add her to our policy as our insurer insists our car is far too powerful for a learner driver and refuses to insure her. Anyone would think we drive a Ferrari, not a VW Touran.
------------- Claire x
Jan 2013 - Skiing, Kühtai, Austria
May - Swiss Farm
Fforest Ffields
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Jan '14 - Skiing, Les Houches
alot of insurers whack the excess up, mine was £400 14 yrs ago on my first motor.
Learners are a lower risk than new drivers, simply because they are supervised, so generally better behaved, as soon as the pass, driving unsupervised, lack of experience etc etc makes for a greater risk.
"boy racer" cars have always attracted a greater risk association, used to be Vauxhall Novas etc, I had a Fiat uno, not a boy racer car, and was cheaper to insure, then got a nova, and it cost me more, both had a 1L engine and 4 speed box, so weren't any greater risk.
I loved all my novas! Anyway next door bought an R reg corsa for their daughter when she was learning and insured her on it - not sure how tbh as they both had a car but buying that car and insurance was cheaper then insuring on their cars. The EU relates to the equality law that women can't be discriminated against in an advantageous way - this seems to override the risk based approach they have taken previously. I think all this makes kids be kids for longer - they can't afford a house, a car, bond for rent, insurance, but they do have enough money to buy things....so not a lot of chance at independence really - hopefully mine will go to uni to gain some independence otherwise how else do kids do it?
Quote: Originally posted by snowy747 on 04/1/2013
The policy holder should always be the main driver. Parents naming children then the child being the main driver is called fronting and will render your policy void if an accident occurs.
Ali
Not always, I have my OH and son on my policy and son named as the main driver. It's my car and the only way I can insure it. The only time I do drive it is to take him to work.
------------- Dogs die in hot cars!
They also die if you leave them in the freezer.
Please keep your dogs at room temperature!
Bad wording by me Dane perhaps, what I meant is that most insurers insist the policyholder is the registered keeper and in most cases if you own the vehicle in all likelihood you are the main driver.
My wife is insured on our insurance as a learner driver, it was actually cheaper her being on the policy than not (only around £6 per year difference though) and that went for the 2.5 Diesel we have or the 4.0 V8 petrol.
Some would not insure her at all if we moved just one insurance group up though or wanted an extra £300 or so on the premiums.
I suppose that is one advantage of being "slightly" older.
Quote: Originally posted by snowy747 on 05/1/2013
Bad wording by me Dane perhaps, what I meant is that most insurers insist the policyholder is the registered keeper and in most cases if you own the vehicle in all likelihood you are the main driver.
You still got a hybrid car?
Ali
Two of them now Ali, absolutely love them. Son has one of them most of the time. Whether I can afford the new model when I have to swap them remains to be seen however..
------------- Dogs die in hot cars!
They also die if you leave them in the freezer.
Please keep your dogs at room temperature!
The strange thing about insurance,in the case of my grandaughter, is that by adding additional drivers,her parents and myself each one reduced the overall premium and by adding me she achieved the biggest saving, but by adding my wife,who has a faultless driving record,the premium increased!
My daughter passed in September, she had learner insurance which cost around the £500 mark BUT as soon as she had passed her insurance was void. Her dad arranged it and she was gutted that she couldn't drive until he had sorted out her full insurance, she did get at £300 back from her learner insurance as she passed her test quite quickly. £1200 was the cheapest we could get with her being named driver (it's a Nissan micra 1.2).
Nicky
My father and I solved the problem of learning to drive and insuring a young driver. I never bothered to learn until I was 34 yrs old. Never felt it necessary to learn to be honest. However had a license now since 1986 but hardly ever drive.
------------- Pitdiver
Welsue's other half and also a ,Camper, Sailor and a nearly Outdoor Person.
We added our daughter to our insurance policy just before Christmas, she is 18 and just started learning to drive. Our premium has increased by £300 a year thats on a Kia Picanto 1.1.
As a matter of interest my hubby is the registered keep of the car and owner, but I am the main driver on our policy.
------------- 2013
March: Ferry Meadows
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May: Lyndon Top, Rutland
May: Top Lodge.
June: Fairy's lodge
July: La Croix Du Vieux Pont
August: West Beeston,
Amazing family weekend with old steam engines, classic car displays, market stalls, and full catering and bar. And camping on site - Save £25 by booking in advance.
Topic: Adding learner driver to policy
