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17yr old mad to drive help

  • 29-03-2011 8:17pm
    #1
    lester76
    Registered Users, Registered Users 2 Posts: 601 ✭✭✭


    My soon ta be 17 yr old has just passed his theroy test now i drive a jeep with commercial insurance so not likely my company will allow him as a name driver so,if i buy him a 1ltr polo or corsa and insure it meself whats the deal with a 2nd policy,no claims bonus etc plus get him as name driver how much we talkin im 34 full clean licence 15yrs never claimed??? Any clues anyone??


Comments

  • #2
    jippers87
    Closed Accounts Posts: 78 ✭✭jippers87


    Best thing to do is log onto a price comparison website and make up a vehicle. Pop in your details with him as the named driver for a 1ltr polo and see what comes up.

    Try 123.ie or bestquote.ie

    Good Luck!


  • #3
    Skyrim
    Registered Users, Registered Users 2 Posts: 516 ✭✭✭Skyrim


    I'm 19, got my provisional not too long ago( though i am thankful i got it before the big rush before April 4th) I'd usually drive in or around very quiet roads or fields just to build confidence up. I probably over think too much (not a bad thing) but guess i'm just afraid i'll do something stupid. I hope to start doing more now in the summer, get a few driving lessons and be as competent as I can. Just want to be a safe,conscious driver and get from A to B safely, all that matters.


  • #4
    challengemaster
    Registered Users, Registered Users 2 Posts: 16,930 ✭✭✭✭challengemaster


    lester76 wrote: »
    My soon ta be 17 yr old has just passed his theroy test now i drive a jeep with commercial insurance so not likely my company will allow him as a name driver so,if i buy him a 1ltr polo or corsa and insure it meself whats the deal with a 2nd policy,no claims bonus etc plus get him as name driver how much we talkin im 34 full clean licence 15yrs never claimed??? Any clues anyone??

    If you mean that you insure it in your name, add him as a named driver but really he's the main driver, then you're talking about insurance fraud, which if he crashes you can expect big trouble, as having your own vehicle, and having a 1L polo as a second car make it very easy to see who the main driver actually is.

    Get him his own insurance, yes it will cost more, but it'll work out better in the end (legally insured and he gains some NCB, so insurance will drop drastically as it builds)


  • #5
    ScrubsfanChris
    Registered Users, Registered Users 2 Posts: 8,599 ✭✭✭ScrubsfanChris


    It should be alright if he only has a provisional licence to be a named driver.
    When I was learning to drive (still have same car) my dad bought the car and put his name down as the owner.
    My dad does drive it sometimes if he is going a short trip, less fuel than his 3.5 litre pickup :D

    We then did that deal with Aviva, 6 months insurance as a named driver and 10 driving leasons, think it was about 400 euro, can't remember of the top of my head. If mum also has a licence put her down as named driver aswell so he can drive with you or her in the car.

    Only thing was (releated to OP) my dads insurance on the car was higher than we expected, he has had a commercial (carpenter) insurance for nearly 30 years, so this was his first time on private insurance and they treated him like he was a 48 year old who has just passed his test, even though he has no points and was never involved in a serious accident.


  • #6
    **Timbuk2**
    Moderators, Education Moderators, Motoring & Transport Moderators Posts: 7,396 Mod ✭✭✭✭**Timbuk2**


    ScrubsfanChris wrote: »
    It should be alright if he only has a provisional licence to be a named driver.
    When I was learning to drive (still have same car) my dad bought the car and put his name down as the owner.
    My dad does drive it sometimes if he is going a short trip, less fuel than his 3.5 litre pickup :D
    Actually, it makes no difference whether you drive on a learner permit, or a full licence - challengemaster is still correct! If the son is the main driver of the car, then he should have his own policy. You don't accumulate any NCB with named driver insurance, either
    ScrubsfanChris wrote: »
    We then did that deal with Aviva, 6 months insurance as a named driver and 10 driving leasons, think it was about 400 euro, can't remember of the top of my head. If mum also has a licence put her down as named driver aswell so he can drive with you or her in the car.

    I got that too - it was a great deal, I'd definitely recommend it to learners that are starting out. The only condition was that I had to drive with either of my parents, it couldn't be anybody else. It wasn't actually "named driver insurance", so much as "accompanied driving cover". I wasn't listed as a driver on the policy. I'm not sure of the exact details, but basically it is a contract with Aviva to cover you provided you are driving accompanied with those people who are on the policy.[/quote]


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