how go get a quote on my mams policy

A V A

i just wondering how i would going about getting a quote be insured on a car im thinking of getting. my mam is with aviva and im 19 looking to go on her policy as a named driver so my insurance is cheap.iv been on the site but it is so confusing and i do not know what to do and neither does the oul one i filled out the form for gfetting a quote for my insurance but not to be on my mams licnence, just wondering what do i do


thanks

Mint Sauce

A V A wrote: »

i just wondering how i would going about getting a quote be insured on a car im thinking of getting. my mam is with aviva and im 19 looking to go on her policy as a named driver so my insurance is cheap.iv been on the site but it is so confusing and i do not know what to do and neither does the oul one i filled out the form for gfetting a quote for my insurance but not to be on my mams licnence, just wondering what do i do


thanks

have you started lessons yet, when i was learning they were doing a deal for 10 lessons, plus one free, you would be insured to drive your mother car whilst she is accompaning you for a period of 6 months after completion of 1st lesson, cost was 300 and something (cant quite remember), as an exsisting customer you would then be entitled to a discount after the 6 month period both as a learner and as full licence holder when test completed

you would need to ring them or go through her broker

Del2005

Your mother has to ring up and get a quote. If you are getting another car she can't use her No Claims Bonus and it's also illegal for her to insure your car, even if it's in her name as you will be the main driver. If you are using her car she just rings up and gets a price to put you onto her policy.

A V A

so can i not buy a car and then get insured on her policy ??? il just have my provisional . . i was told i can get inusured on her ploicy

**Timbuk2**

A V A wrote: »

so can i not buy a car and then get insured on her policy ??? il just have my provisional . . i was told i can get inusured on her ploicy

Only if she is the primary driver of that car. As you are buying it, I'm guessing you will be the primary driver. In this case you have to get an insurance policy of your own. It will be expensive at first, but you will earn NCB this way (you can earn NCB even while on your LP). It will eventually get cheaper. If you were a named driver, it would be cheaper but you wouldn't earn any NCB so it will still be expensive once you get your own policy.

OP are you male or female? If you are a 19 year old male, insurance will be very expensive but if you are female, it will still be expensive but significantly less than if you were male.

A V A

im a 19 year old male. . . . wats ncb??? i really couldnt care about getting points tbh:rolleyes: i just want to drive i need to start soon

**Timbuk2**

A V A wrote: »

im a 19 year old male. . . . wats ncb??? i really couldnt care about getting points tbh:rolleyes: i just want to drive i need to start soon

Oh sorry - NCB is No Claims Bonus. Each year you drive without making a claim, you get a reduction in your insurance premium. You can get many years NCB, but as far as I know anything above 5 years doesn't lead to significant further reductions in premium.

Once you get an insurance policy, you can start driving provided you have a full licence driver (who has held their licence for more than 2 years) in the car, and L-plates displayed. If your mother isn't the primary driver of the car you wish to be insured on, then you must get your own insurance policy, which for a 19 year old male on an LP will be quite dear - expect to pay over €2000 intially. A cheaper option is to be a named driver on your mother's car (you won't build no claims bonus this way).

OP, bear in mind that you do not need insurance to take lessons, so you can start taking lessons with an Approved Driving Instructor (ADI) straight away without insurance (his/her insurance will cover you).

A V A

**Timbuk2** wrote: »

Oh sorry - NCB is No Claims Bonus. Each year you drive without making a claim, you get a reduction in your insurance premium. You can get many years NCB, but as far as I know anything above 5 years doesn't lead to significant further reductions in premium.

Once you get an insurance policy, you can start driving provided you have a full licence driver (who has held their licence for more than 2 years) in the car, and L-plates displayed. If your mother isn't the primary driver of the car you wish to be insured on, then you must get your own insurance policy, which for a 19 year old male on an LP will be quite dear - expect to pay over €2000 intially. A cheaper option is to be a named driver on your mother's car (you won't build no claims bonus this way).

OP, bear in mind that you do not need insurance to take lessons, so you can start taking lessons with an Approved Driving Instructor (ADI) straight away without insurance (his/her insurance will cover you).

god damit my mam always uses her car and she always has it though!!! i thought you could get put on your mams licence driving a diferent car than what she is ?? i know people on other peoples insurance policies and they are driving two diferent cars???

**Timbuk2**

Your mother can have multiple insurance policies but she must be the primary driver of all cars she has an insurance policy on (as far as I know, I'm open to correction). If you wanted to drive her car, she would have to put you on her insurance as a 'Named Driver'.

If you wanted to drive your own car, you don't get added to your mother's insurance as her insurance has nothing to do with your car! You would take our your own insurance policy, as you would be the primary driver. You could add her as a named driver on your policy if you wanted, and as she is female and has been likely been driving for a number of years, it probably wouldn't cost any extra. This means she is able to drive your car.

Does that make sense?

Max Power1

**Timbuk2** wrote: »

Your mother can have multiple insurance policies but she must be the primary driver of all cars she has an insurance policy on (as far as I know, I'm open to correction). If you wanted to drive her car, she would have to put you on her insurance as a 'Named Driver'.

If you wanted to drive your own car, you don't get added to your mother's insurance as her insurance has nothing to do with your car! You would take our your own insurance policy, as you would be the primary driver. You could add her as a named driver on your policy if you wanted, and as she is female and has been likely been driving for a number of years, it probably wouldn't cost any extra. This means she is able to drive your car.

Does that make sense?

Doing it that way has been known to reduce the quotes for young males, just FYI

**Timbuk2**

Max Power1 wrote: »

Doing it that way has been known to reduce the quotes for young males, just FYI

Really? So if I had my own insurance policy (I'm an 18 year old male), and added one of my parents (who have over 17 years NCB as far as I know) the premium would be reduced for me?

That's very interesting! I learn something new every day!

Max Power1

**Timbuk2** wrote: »

Really? So if I had my own insurance policy (I'm an 18 year old male), and added one of my parents (who have over 17 years NCB as far as I know) the premium would be reduced for me?

That's very interesting! I learn something new every day!

I dont think that would work, but its worth a try!

What I meant was if you get a quote online, then try again with the exact same details, but add a parent (preferably female and with full license and NCB) as a named driver. The quotes normally drop by quite a bit. I doubt they would drop an existing quote though.

**Timbuk2**

Thanks for the answer! That's extremely interesting! At the moment I am a named driver on my mother's policy, but I will bear that mind when I am getting my own policy! I always believe that it stays the same with 'non-risk' drivers, as both my parents are named drivers on each other's cars and it was the same price. But it makes sense for young drivers to have their premium reduced slightly!

Thanks for explaining!

Wats_in_a_name

I'm 17 y.o male on my own policy on my car with quinn. Saved €200 by adding my Mum as a named driver. Happy days!