Just Roughly

[jennyjoan]

A kid in the street 20 old has passed her driving test - how much insurance will she have to pay as father and mother are adamant she is not going on to their insurance.

[bednobs]

> £1000

[Zacs-Master]

Depends what car she’s going to be driving. She could reduce her premiums by having one or both of her parents on her policy.

[youngmafbog]

You can ZM but you have to be careful with that. Whoever is added to the Policy must be able to prove they drove the car - and not just 'round the block' if ever there was a claim.

I'd have thought it would be 1500 to 2K these days. More for anything 'fancy'

[youngmafbog]

If you really want to be nosy just stick approx details into confused.com or similar.

[ToraToraTora]

A lot. She can minimise by getting the lowest possible group car, agree on a low mileage and also agree to a tracker. I'd say she's looking at £1200-1600.

[Buenchico]

MoneySupermarket says that the average cost of insurance for new drivers, based upon what they were paying in the first quarter of this year, was £1718.

[Zacs-Master]

OK. Thanks YMB.

[jennyjoan]

father and mother will not be paying

[barry1010]

A lot of young people opt for black box insurance where they are charged on how well they drive, when they drive and where. This can work out a lot cheaper if they are competent drivers, don't drive at night and only drive a few miles a week.

[Hopkirk]

YMB, how on earth could the insurance company prove that additional drivers don't drive the car?

[davebro]

//Whoever is added to the Policy must be able to prove they drove the car - and not just 'round the block' if ever there was a claim.//

That doesn't seem likely - how would you "prove" something like that.

[barry1010]

Hopkirk, people are prosecuted for fronting https://www.moneyexpert.com/car-insurance/ask-an-expert/how-do-car-insurance-companies-prove-fronting/

[anonymooseperson]

I pay $90 a month same age

[Redhelen72]

I know a couple of years ago when friends children were taking up driving that it was 'cheaper' to buy a new car as it came with free insurance for 3 years

[barry1010]

One case of fronting
"The Financial Ombudsman Service ruled in an insurance provider’s favour in a case in which a woman claimed on her insurance for a car accident when her son, a student, was driving. It soon emerged that she wasn’t the main driver of the car, despite saying so when she applied for the insurance. The accident had happened where her son was at university, hundreds of miles from her home, even though she described him as “parking in the same spot every day”.

Looking at the evidence, her insurance provider decided this was a case of fronting, the claim was rejected and the policy voided. An appeal to the Financial Ombudsman was dismissed"

https://www.comparethemarket.com/car-insurance/content/fronting/

Insurance investigators don't hesitate to chat to neighbours, check employers CCTV and other cameras.

Some people get dobbed in my neighbours or relatives with a grudge.

[davebro]

Having a parent as a named driver with the daughter as policy holder isn't "fronting".

[barry1010]

You're right, in fronting the policy is in the parent's name with the son/daughter as named driver.

[davebro]

It probly won't reduce the premium much though - adding a named driver (depending on their age/driving history) usually only makes a difference of 20 or 30 quid.

[Hopkirk]

Far more than that Dave, if the named driver is older with a good record.

[youngmafbog]

Fine, ignore what I said if you dont believe it.

Enjoy fighting the Insurance companies lawyers.