20yr old daughter passed test today..what cost to insure as Named Driver?

Sikpupi

Hi.... good news as above. Now the hard part of trying to get her insured as a Named Driver on wifes 02 Yaris 1.1.

Will ring Aviva tomorrow on same but anuone withe xperience on this already?? What is a ball-park figure I should expect to hear????

Also.. will being a name-driver for say 2-3 years stand to her when going solo with her own car and insurance - or will she still be hit with the same premium as a 23 yrs old as she would as a 21 yr old???

Thanks All

Sikky

challengemaster

tree fiddy.





Quotes are different for everyone, so "ball park" is pointless tbh. Throw the details into online systems and you might get some idea, but the only answer will be from Aviva themselves.

166man

I'd say anywhere between €1200 and €2000 but you can't really be sure unless you talk to the companies.

Also with regards to named no claims, some companies like AVIVA take named driving experience into account. I'd be putting her as a named driver for the first year anyway. Some people might say just buy her her first policy in her own name and let her work it down herself through building up her no claims but unless very wealthy it's not always an available option IMO.

Sikpupi

Wow.... 1200 as a named driver!!! Wasn't expecting that high!!! Wife only paying 220 per yr TPFT. €100 month to insure her... Gonna find that hard to come by in this economic climate......

166man

Sikpupi wrote: »

Wow.... 1200 as a named driver!!! Wasn't expecting that high!!! Wife only paying 220 per yr TPFT. €100 month to insure her... Gonna find that hard to come by in this economic climate......

Ah now I pulled that figure as a rough guesstimate really... It could be less of more but in or around that I'd say. With no experience and females insurance rising it's going to be expensive I'd have thought.

MugMugs

Call a broker, call some insurers. Do a little bit of work. Most importantly call your current insurer and ask them.

As for your second query, yes it will stand to her.

RidleyRider

166man wrote: »

I'd say anywhere between €1200 and €2000 but you can't really be sure unless you talk to the companies.

Also with regards to named no claims, some companies like AVIVA take named driving experience into account. I'd be putting her as a named driver for the first year anyway. Some people might say just buy her her first policy in her own name and let her work it down herself through building up her no claims but unless very wealthy it's not always an available option IMO.

:eek: I'm insured as a named driver under my mother in a 1.1 Citroen C3 for the past 9 months on a provisional and our combined insurance is a little under 1k! I was a 17 year old male- considered a liability!

OP try liberty, they gave a mate of mine a deal of 950e in his 2.0litre BMW at 18 once he passed his test. Ye might get lucky.

MugMugs

RidleyRider wrote: »

:eek: I'm insured as a named driver under my mother in a 1.1 Citroen C3 for the past 9 months on a provisional and our combined insurance is a little under 1k! I was a 17 year old male- considered a liability!

OP try liberty, they gave a mate of mine a deal of 950e in his 2.0litre BMW at 18 once he passed his test. Ye might get lucky.

You're actually a lower risk. You cannot drive unsupervised without a full licence holder. The OP's daughter now can and has bog all experience. The likelihood of her causing extensive damage is quite a bit higher than you.

mullingar

Sikpupi wrote: »

02 Yaris 1.1.

Yaris's [yarisii?] only came with 1.0, 1.3 and a 1.5 L engines. Dont confuse the insurer if you say 1.1 as its not standard

Tea 1000

Why do people come on boards looking for insurance quotes? Fair enough looking for advice on who folk might be insured with, but quotes or ball-park figures? Come on people! Booting laptop, posting on here and waiting for replies that might be any use takes a long time to get vague answers, ringing your company and asking takes 2 minutes and gives you exactly the info you're looking for.
Might as well ask how much your next electricity bill will be.

dgt

My first quote was €2283 tpft
Mrs dgt's first quote was €1140 fully comp
She has 3 years ncb, her renewal was 900. She got it down to 660 by ringing around. She complained about friends of hers that were getting quotes for 500 on bigger engined cars.

My renewal was 700ish fully comp. 4 years ncb, licence 5 years.

Were both in our early 20s.

I can't even get a quote on my 166 yet can get a quote on my 525i for 1519

A friend of mine drives an 08 Passat Highline. Younger than me, 3 years ncb, fully comp was about 600 as himself. We live on the same road, explain how thats cheaper to insure than my 406!!!

Insurance ballpark figures? What a waste of time. Ring around for a better answer

dgt

OSI wrote: »

Car's over 10 years old are more expensive to insure.

I should have added hes crashed his previous 2 cars.... Had to claim off the last one as it was a fairly expensive car. I have no incidents like that or marks on insurance (touch wood)

My point being ball park figures, a complete waste of time

MuppetCheck

Tea 1000 wrote: »

Why do people come on boards looking for insurance quotes? Fair enough looking for advice on who folk might be insured with, but quotes or ball-park figures? Come on people! Booting laptop, posting on here and waiting for replies that might be any use takes a long time to get vague answers, ringing your company and asking takes 2 minutes and gives you exactly the info you're looking for.
Might as well ask how much your next electricity bill will be.

I get the laugh from people that actually give a figure then:pac:

Sikpupi

For those interested in how I'm getting on ...€800 extra to put her on as named driver with Aviva.

Have left details with a local Broker and he looking for alternative quotes..

166man

MuppetCheck wrote: »

I get the laugh from people that actually give a figure then:pac:

Glad to hear it's those kind of things that make you laugh.

MugMugs

166man wrote: »

Glad to hear it's those kind of things that make you laugh.

I wouldn't imagine that is was in anyway facetious.

The variables involved and the level of detail required in order to calculate any premium not withstanding the general market at that given time and all other underwriting criteria involved would make any prediction impossible.

I'd imagine that's where the humour was drawn from..... Don't take offence.

166man

MugMugs wrote: »

I wouldn't imagine that is was in anyway facetious.

The variables involved and the level of detail required in order to calculate any premium not withstanding the general market at that given time and all other underwriting criteria involved would make any prediction impossible.

I'd imagine that's where the humour was drawn from..... Don't take offence.

Ah I know that hence why I gave the figure as being somewhere between €1200 and €2000. Let's face it realistically it was always going to be somewhere in or around there using the limited information provided.

I know that if it was me, just even getting some kind of figure in my head the night before I check premiums would help me sleep better knowing a rough figure even, turns out the OP got it for less than I suggested.

I do think there's little point in asking here when you can wait a few hours and ring the insurance companies in the morning but even still, somebody giving a rough figure can make it easier to sleep at night IMO of course.

K.Flyer

Tea 1000 wrote: »

Why do people come on boards looking for insurance quotes? Fair enough looking for advice on who folk might be insured with, but quotes or ball-park figures? Come on people! Booting laptop, posting on here and waiting for replies that might be any use takes a long time to get vague answers, ringing your company and asking takes 2 minutes and gives you exactly the info you're looking for.
Might as well ask how much your next electricity bill will be.

Your 100% right, this is also something that I cannot understand either!!
In less than the time it takes to get a few replies on boards, you would have at least half a dozen quotes from brokers and insurance companies.

Sikpupi

I know that if it was me, just even getting some kind of figure in my head the night before I check premiums would help me sleep better knowing a rough figure even, turns out the OP got it for less than I suggested.

Hey 166Man.... that was exactly the motive behind the post. I didn't ask for detailed calculations to the penny.. it was a ball-park figure as a general curiosity. I wasn't asking anyone to recommend companies etc.... just a general question on what to expect the next day when I make the call.

Certainly don't want anyone to get their knickers in a twist over it...

I guess the question is more aimed at parents who went through this process themselves in the past...

MuppetCheck

166man wrote: »

Glad to hear it's those kind of things that make you laugh.

Well it's impossible to say what the price is for anyone here. I'm making an assumption that you don't work for an insurance company and/or you don't have a crystal ball that gives you the answers. Feel free to prove me wrong though.

It's my opinion that you will not know what the figure is until you call a few different insurers. It may even be beneficial to change the policy altogether to a different company to lower it given the new driver.

Anan1

Sikpupi wrote: »

Hey 166Man.... that was exactly the motive behind the post. I didn't ask for detailed calculations to the penny.. it was a ball-park figure as a general curiosity. I wasn't asking anyone to recommend companies etc.... just a general question on what to expect the next day when I make the call.

There's simply no such thing as a general figure. I've been insuring cars for a long time, and I learnt long ago that you can't guess quotes. Yours could have been literally anything.

jomoloney

http://www.chill.ie/?gclid=COyk0JunpLUCFcw92wodDSQAEQ

http://www.aoninsure.ie/car_insurance?gclid=CPzIzranpLUCFclF2wodtyAANw

https://www.123.ie/insurance/car-insurance/quote-form.123?conversationId=11127



many more on line quotes if you seek them out

Brian2011

Well I found Aviva to be the cheapest, after that no nonsence and 123.ie

166man

MuppetCheck wrote: »

Well it's impossible to say what the price is for anyone here. I'm making an assumption that you don't work for an insurance company and/or you don't have a crystal ball that gives you the answers. Feel free to prove me wrong though.

It's my opinion that you will not know what the figure is until you call a few different insurers. It may even be beneficial to change the policy altogether to a different company to lower it given the new driver.

It's not impossible really. I based my estimation on what it has costed me for insurance and what it has costed my friends who are female. They all drive their parents car or their own which are all rough engine size and many of them were paying there or thereabouts the figure I listed.

it was just giving a figure which ad you can see is very vague but may give a rough idea to the OP.

MuppetCheck

166man wrote: »

It's not impossible really. I based my estimation on what it has costed me for insurance and what it has costed my friends who are female. They all drive their parents car or their own which are all rough engine size and many of them were paying there or thereabouts the figure I listed.

it was just giving a figure which ad you can see is very vague but may give a rough idea to the OP.

But it's impossible to estimate without knowing an individuals exact details and the risk scale the insurance companies use.

You also didn't give a figure. You gave a ballpark and quite a large one at that ranging from 50 to 150% more than what the OP was quoted.

166man

MuppetCheck wrote: »

But it's impossible to estimate without knowing an individuals exact details and the risk scale the insurance companies use.

You also didn't give a figure. You gave a ballpark and quite a large one at that ranging from 50 to 150% more than what the OP was quoted.

It's impossible to give a near enough figure, its really not that difficult to give an estimation if you have similar ish details or have experienced such insurance prices.

Eh yes I gave a ballpark figure, what else can he expect, but at least he had some idea. Then was lucky enough to get a lower quote.

my estimation was off alright but its still not that difficult to give an estimation IMO of course.

glad to hear you got a reasonable quote in the end OP.

MuppetCheck

166man wrote: »

my estimation was off alright but its still not that difficult to give an estimation IMO of course.

All you have proven is that you were unable to give an estimation, which by your own admission is not that difficult.

166man wrote: »

glad to hear you got a reasonable quote in the end OP.

Here here