I wish you well in trying to find insurance for your daughter. I know it can be expensive. It will be worth her building up a ncb as it will help when she's older and will drop quite considerably when she has her first year's worth. You will never be able to share a ncb between 2 cars, and if you put yourself down as the main driver with her additional it will take a lot more explaining if she has an accident. If you and your partner have a car each and then insure another car at the same time as insuring your daughter for the first time the penny drops pretty quickly about who's car it is.
My only rant about a lot of young driver insurance posts is when people complain that their insurance costs more than the car is worth. when will people realise that the cost is higher to account for the physical injury payouts that can be incurred in an accident, not necessarily for the car damage.
But good luck with your search.
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I've found Directline and Tesco to be very competitive for young drivers. I'm only 22, and have always found them to come out with the best quotes compared to other insurers. Around £1500 is probably the best you're going to get, at least until your daughter gets older/gets a ncb. Wouldn't recommend using your NCB and having her as a second driver, insurance companies know what you're up to, and I think you would lose your NCB if you had to claim.
When I passed my test, my instructor told me the Pass Plus was pretty pointless from a financial POV as the cost of taking the 6 (??) lessons was roughly the same or more than the saving you would get on your insurance. Worth remembering that not all insurance companies offer a discount for Pass Plus, and the ones that do might not be the most competitive. However, it probably is worth doing for the added experience of different driving situations and conditions.
Did you end up buying the Yaris without the Alloys? If you bought one without and want to have them added later, I would wait a while. I've managed to completely butcher the hubcaps on my car in the two years I've been driving, mostly due to inexperience. Could be worth waiting a few months or a year until your daughter has a bit more experience.
Anyway, good luck with the car!
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Hi again - sorry, I forgot to say, that in the phone conversations I've had with companies I have made it quite clear that we are aware insurance for young drivers costs a lot, and we're not trying to be sharp by pretending the car is to be in my name to get the cost down. They all know we have two other cars in the family, but the companies I'm on about say that as she's on a provisional licence it's ok to quote that way, with me as the policy holder and her as a named driver. Not all companies agree, it's just the ones I said so far. It's just not worth the risk of giving slightly inaccurate information IMHO, because in a worst case scenario you want to be sure of a pay out don't you, with no loopholes.
Anyway, trying hard not to forget anyone -
Thanks Trev., the site is still slow for me and I had used the
search facility, but not got anything up, so I will go and read that thread.
Ben, I will bear your comments in mind, am currently trying to work out the benefit of her building up her NCD now over the cost of insurance without a NCD when she is say 21 or 22, and has that much experience behind her (complicated maths coming up)
Colin :-D - her RL nickname is Dolly (but she is not a 2CV either) and her friends have just taken to calling her 'Princess' after learning of the impending purchase! She is in no way an Austin (no offence anyone) The most difficult car I've ever driven was an Allegro, vile thing, belonged to my M-i-L
BTW at this stage Pass Plus isn't an issue anyway, as she has yet to take her test, and we need the insurance before then.
I just never knew how much terms etc. varied. I thought 'full' NCD was an industry standard, not variable from company to company. The woman at Tesco said, when I asked directly, that my NCD on my car would not be affected in any way should there be a claim on the second car. Like I said, I'd never heard of this option before. I would have to get it in writing.
Sprinter, having duly passed on your advice re:alloys (which made perfect sense to me) Mr H stuck to his guns. Seems to be a thing with him. Seeing as this was the only contribution he brought to the decision, and seeing as how he gave us no grief over the make/model/spec./colour of car - I had to let him have some say.
Oooh, and he did the bartering over price too, and came away happy.
Of course, in the event of a little scratch on the kerb, I may well be tempted to utter ....................????
(noooo do you think those words would ever pass my lips?) LOL
Thanks for your good wishes etc boys, the search continues. I'll let you know how it ends up.
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hootie:
Tesco is in effect re-badged Direct-Line.
Named driver vs main driver : after Princess has passed her test and does really become the main driver at some stage, then as soon as THAT happens, you should tell the insurers to change the policy details. As Mark(RLBS) - who is an expert on these matters - has said before "you must be truthful".
Alloy wheels: When you ask about these being fitted, did you tell them they are "standard manufacturer factory supplied and fitted for that model"? (I am assuming that they are standard and not optional extras!) They USUALLY will only count as a modification if they are non-standard, not-factory-fitted, and post-delivery after-market items.
Finally, anything you say or do in connection with your final choice of Insurance that is not in their normal terms & conditions: make sure you write it down (names, times, who said/agreed what, etc.), and then send it to the Insurers via recorded or registered post, and keep a copy.
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hootie: also look at Volvoman's research for insurance for a learner driver (his wife) at
www.honestjohn.co.uk/forum/post/index.htm?v=i&t=12...2
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Thanks again - so much info and so little time. Strangely enough just after reading this had a phone call from a friend who's daughter turns 17 next week. They've bought her a 1998 (I think) Pug 106, and he was on the net at the time looking for quotes for her.
So, the wisdom gets passed on and on :)
In my time honoured way, I shall spend days scouring the net and the phone lines will be red hot.
As regards these alloys - what I have said is
"the list price of the car doesn't include alloy wheels, but these have been ordered from the manufacturer with the order for the vehicle, and will be the wheels originally supplied to us"
Insurer pointed me in direction of a clause which states they would only pay out for the vehicle's standard steel wheels as per list price.
Still much work to be done on this one!
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Am not just totally obsessed with my own situation - am posting this, just incase it helps someone else too.
Best quote so far
Diamond - they are happy that I will be the reg owner and keeper. Fully comp policy in Princess's name. Both parents as named drivers. Low mileage (it will be) quite a high excess (expected) Brand new 98cc manual Yaris.
£1000.65 for 12 months (adding Mr H actually brought the premium down £25 - even though Diamond is for ladies)
They also assured me that after a 10 month bonus accelerator policy they issue a proper 12 month certficate which can be taken anywhere.
The quote seems very good to me though? (also have a broker looking, after they told me they had an impressive quote (was £1,700 something!) that can't hurt)
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