An Excellent Proposal From The...
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Her First Car
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My daughter will, I’m sure, pass her driving test next year, but her age will inevitably mean a high insurance premium. I’ll be looking to buy a car for about £5000, but I need something that will be cheap to run, reliable, low insurance group, low tax… but not boring! Any suggestions?
Answers
You'll probably find this useful: http://
00:00 Thu 13th Nov 2014
You'll probably find this useful:
http://
You can either enter a particular make and model, to find its insurance group, or choose and group and find all models within it.
I'd be looking for something like a Ford Ka. They're generally cheap to run.
Remember to add yourself (or another experienced driver, with maximum NCD) onto your daughter's policy, as it should see it cut by anything up to 30%:
http://
http://
You can either enter a particular make and model, to find its insurance group, or choose and group and find all models within it.
I'd be looking for something like a Ford Ka. They're generally cheap to run.
Remember to add yourself (or another experienced driver, with maximum NCD) onto your daughter's policy, as it should see it cut by anything up to 30%:
http://
>>>if I bought a car and added my daughter to my policy
If your daughter was actually the main driver of the car you'd be guilty of what is commonly known as 'fronting' but what the police officer arresting you and your daughter would call 'fraud by false representation'. The maximum penalty is 10 years imprisonment.
If your daughter was actually the main driver of the car you'd be guilty of what is commonly known as 'fronting' but what the police officer arresting you and your daughter would call 'fraud by false representation'. The maximum penalty is 10 years imprisonment.
2 things anax. Your no claims is currently being used on the car YOU drive now. If you bought another car you would have to start a new policy with zero no claims. (Some companies may allow some of your current no claims but not all. Would still possibly be cheaper but also your daughter would not have a policy, therefore accruing Zero no claims over the years. If that makes sense?
Have a look at 'black box' insurance for your daughter. Read the small print carefully as some penalise for late night driving but it can work out much cheaper.
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My first car was a Daihatsu Charade.
One litre, 3 cylinder and went from North Wales to Dover on one tank of petrol.
Had to change the back box once, nothing else service/maintenance-wise for the 10 years I had it.
I don't know what the modern equivalent would be but there do seem to be favourable reliability issues with Asian cars and what comes as standard is often an extra on others.
One litre, 3 cylinder and went from North Wales to Dover on one tank of petrol.
Had to change the back box once, nothing else service/maintenance-wise for the 10 years I had it.
I don't know what the modern equivalent would be but there do seem to be favourable reliability issues with Asian cars and what comes as standard is often an extra on others.
I didn't see that the car was going to be £5000 but another £3000 for insurance would be about the cheapest.
Also it is worth noting that most insurance companies now will not allow a child under 25 to be added to a parents insurance as a named driver, even if the child really is only a occasional driver of the car. Too many people were getting round the high insurance for young drivers that way so they have stopped it.
Also it is worth noting that most insurance companies now will not allow a child under 25 to be added to a parents insurance as a named driver, even if the child really is only a occasional driver of the car. Too many people were getting round the high insurance for young drivers that way so they have stopped it.
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Will she be driving a lot, or just occasionally?
Some policies allow you to add a driver for short periods.
For example Aviva let you add someone for periods adding up to a maximum of 30 days per year.
If this isn't enough others may allow longer.
Swinton brokers could advise, but they add a big admin fee each time you activate a period so it is probably cheaper to deal direct with an insurance company.
Some policies allow you to add a driver for short periods.
For example Aviva let you add someone for periods adding up to a maximum of 30 days per year.
If this isn't enough others may allow longer.
Swinton brokers could advise, but they add a big admin fee each time you activate a period so it is probably cheaper to deal direct with an insurance company.
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