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Car insurance - 19 yo/prov licence

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  • 13-07-2017 9:52pm
    #1
    Avatar MIA
    Closed Accounts Posts: 6,750 ✭✭✭


    Hello,

    Neither my car or my wife's car would be suitable for a learner driver. One's too fast and the other quite fast, and big.

    Looked at getting a 1.0 polo and a quick quote for just myself was €1.7k as I had to say I'd no no claims bonus (used on my current car)*

    I tried adding my Prov Licence daughter as a named driver and Computer said no.

    Is her only option to take driving lessons and try and pass her test based only on driving lessons?








    As an aside, how do people manage owning more than one car in this country?


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    #2
    NeilMcGrane
    Registered Users Posts: 64 ✭✭NeilMcGrane


    Just out of curiosity, what car is that you tried to put her as a named driver on?


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    #3
    Avatar MIA
    Closed Accounts Posts: 6,750 ✭✭✭Avatar MIA


    NeilMcGrane wrote: »
    Just out of curiosity, what car is that you tried to put her as a named driver on?

    1.0 VW Polo. It would be my second car, effectively only used for her to get experienced in to drive, because there is no chance of her getting insurance in her own name.


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    #4
    NeilMcGrane
    Registered Users Posts: 64 ✭✭NeilMcGrane


    Avatar MIA wrote: »
    1.0 VW Polo. It would be my second car, effectively only used for her to get experienced in to drive, because there is no chance of her getting insurance in her own name.

    What is the "fast" car you spoke of? Can she not get named driver on that either? She'll need a full licence holder with her while practicing in that anyway, so I doubt there would be an mischief or speeding on her part.


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    #5
    Avatar MIA
    Closed Accounts Posts: 6,750 ✭✭✭Avatar MIA


    NeilMcGrane wrote: »
    What is the "fast" car you spoke of? Can she not get named driver on that either? She'll need a full licence holder with her while practicing in that anyway, so I doubt there would be an mischief or speeding on her part.

    A 230 BHP Audi TT. No, she's not learning to drive in that. And it's automatic too, which is not good to learn in.


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    #6
    NeilMcGrane
    Registered Users Posts: 64 ✭✭NeilMcGrane


    Avatar MIA wrote: »
    A 230 BHP Audi TT. No, she's not learning to drive in that. And it's automatic too, which is not good to learn in.

    I'd say she would enjoy learning in that, I know I would've :D

    The only options I see viable are the ones you've already stated. For you to go the Polo route, insure it as your second car at €1700, and then add her as named driver, which will probably drag the premium for both of you up to around €3000 or more. The other option is just trying to pass her test based on lessons and using an instructors car for the test.

    Would it be viable for her to go on another family members car? A car that she can possibly practice with in the evenings or weekends (or whenever that car is not being used).


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    #7
    Liam McPoyle
    Closed Accounts Posts: 14,846 ✭✭✭✭Liam McPoyle


    Avatar MIA wrote: »
    Hello,

    Neither my car or my wife's car would be suitable for a learner driver. One's too fast and the other quite fast, and big.

    Looked at getting a 1.0 polo and a quick quote for just myself was €1.7k as I had to say I'd no no claims bonus (used on my current car)*

    I tried adding my Prov Licence daughter as a named driver and Computer said no.

    Is her only option to take driving lessons and try and pass her test based only on driving lessons?








    As an aside, how do people manage owning more than one car in this country?

    You have no bonus to use, it's a second car and you want to add a 17 year old onto it.

    You have a trifecta of thanks but no thanks for insurance companies tbh.

    Even if your daughter would genuinely only use it for lessons and while supervised, insurers have been burned countless times by young drivers that would only be occasional drivers or drive while supervised.

    Ie, what you are attempting to do would be viewed as fronting by most providers and they
    Will simply decline to quote you.

    Your options are most likely that you will either have to go down the declined cases route and pay a small fortune or let her get a policy in her own name with a specialist provider like Boxymo foe example.

    There latter option is most likely the cheapest by some stretch .


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    #8
    Avatar MIA
    Closed Accounts Posts: 6,750 ✭✭✭Avatar MIA


    Rod Munch wrote: »
    in her own name with a specialist provider like Boxymo foe example.

    Must look this up. Thanks.

    Edit. Got a quote with me as driver and daughter as named driver €2.6k


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    #9
    Cows Go µ
    Registered Users Posts: 902 ✭✭✭Cows Go µ


    Avatar MIA wrote: »
    Must look this up. Thanks.

    Edit. Got a quote with me as driver and daughter as named driver €2.6k

    The quote should be in her name with you as the named driver. If she ever ever has an accident and they discover it's your second car that she uses to learn to drive in they are just going to void your policy and you'd be screwed. They will just say you were fronting.

    All quotes should be in her name.

    What a lot of people do if the parents have 2 unsuitable cars for a child to learn to drive in then they get rid of one of them and get a more suitable car.


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    #10
    Avatar MIA
    Closed Accounts Posts: 6,750 ✭✭✭Avatar MIA


    Cows Go µ wrote: »
    The quote should be in her name with you as the named driver. If she ever ever has an accident and they discover it's your second car that she uses to learn to drive in they are just going to void your policy and you'd be screwed. They will just say you were fronting.

    All quotes should be in her name.


    I know everyone would say this, but it really only would be used to get her up to being able to pass the test. She's more sensible than anyone I know. Doesn't drink and lives for competitive rowing. If there was a law saying she can't drive without a licenced driver she'd chew her arm off first before doing so. Now, her father on the other hand :o
    Cows Go µ wrote: »

    What a lot of people do if the parents have 2 unsuitable cars for a child to learn to drive in then they get rid of one of them and get a more suitable car.

    Both cars are 171 so not a great choice considering, but thanks.


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    #11
    ChrisWhelo
    Registered Users Posts: 95 ✭✭ChrisWhelo


    Avatar MIA wrote:

    Both cars are 171 so not a great choice considering, but thanks.

    You may not like it but that's the best route. Declaring your car off the road, and insuring yourself on something like a golf with aviva, then getting your daughter to get the free accompanied driver insurance with her lessons through aviva is the cheapest route. If you had a no claims bonus you could have yourself and her insured on the car for less than €1000, couldn't tell you what it would be without NCD


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    #12
    Marcusm
    Registered Users Posts: 10,351 ✭✭✭✭Marcusm


    Avatar MIA wrote: »
    I know everyone would say this, but it really only would be used to get her up to being able to pass the test. She's more sensible than anyone I know. Doesn't drink and lives for competitive rowing. If there was a law saying she can't drive without a licenced driver she'd chew her arm off first before doing so. Now, her father on the other hand :o



    Both cars are 171 so not a great choice considering, but thanks.

    I think you're missing the point; it's irrelevant that you are in the car with her. If the car is for her to learn in and be the main driver then what you are doing is fronting. The named driver can't legally be the main driver even if 100% of the time accompanied by the purported main driver.


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