new driver insurance not osf tips/advice

[norm1]

hi looking for 1st time driver insurance for my 17 year old daughter ,,been told different things to try and get it a bit cheaper ,,her by herself ,,me as a named driver ,,in my name with her as a named driver ,,has anyone any tips or advice thanks

[mk2 mike]

Just a word of warning. Insuring the car under you as the main driver and her as a named driver when she's actually the main driver is called 'fronting' and illegal. (Fraud by false representation) and insurance companies are tackling this hard. I won't say what they're doing but the city of London police insurance fraud enforcement department (who are the lead force in insurance fraud for the whole of the U.K.) have many successful prosecutions for just this. If you think getting her insured now is now, try doing it after a conviction for insurance fraud!

 

There is of course nothing wrong with it if the parent IS the primary driver

[katana]

Some companies have policies that have 'black boxes required' to monitor the driving - usually the 1st year I believe, some have daylight only policies and others that require no more than 2 or 3 people in the car. Girls are usually easier to insure even though the ins. co's say all are treated equal ! ! ! Deffo have her as the primary driver and you / your wife as a named - that is usually most economical. Anything with a sub 1.3 engine and zero sporting pretensions is looked on favourably - nothing new nor nothing older than 10 years would be best.

[DAN@ADRIAN FLUX]

Hi,

Please feel free to give us a try for insurance if you like. If you wanted to PM me some contact details I'd be happy to arrange for one of my quotes team to give you a call back.

Regards,

Dan.

[aardvark101]

Sorry mate , you will get bent over wherever you go, both my kids ended up using their life savings (0-17yrs) to pay for their first years insurance, and that really p*sses me off 

[Mk2Jo]

My son had his learner insurance on his Peugeot 106 with Collingwood https://www.collingwoodannuallearners.co.uk/ he paid £436 for the year. Once you pass your test the insurance ends as they don't do insurance for people that have passed their test .... the bonus with them is that if you are learning for 10 months+ they give you a whole year's no claims so you can then go on and get insurance with a years no claims under your belt which can greatly reduce your insurance.

[Mk2Jo]

Oh ... forgot to say .... this was Feb 2015 so it's quite recent/relevant.

[Mk2Jo]

Oh ... and it's a P reg 1.1 (so not a new car).

[Mk2Jo]

Oh .. and no (stupid) restrictive box either.