Aviva 6 month free accompanied driver insurance

DKILLER12

Hey all, i've been shopping around for insurance quotes for when i turn 17, and came across the aviva deal, which sounds great but also sounds like its too good to be true. Has anyone had experience with this and what are their instructors like? I'm in north dublin area. Also are there any hidden catches? Any advice is appreciated!

Dylan,

GvidoR

You need to buy at least 10 lessons and then you can be insured for free for 6 months as a named driver one someone's policy. There's no 'catch'.

ProudDUB

Who do you have to buy the 10 lessons from? Can it be any driving instructor, or does it have to be with a driving school that they are in partnership with?

GvidoR

You have to book lessons with Aviva.

ProudDUB

That's brilliant thanks. Just passed that info on a friend whose daughter is a learner.

DKILLER12

I was on the phone to them a while ago about it, the woman said that type of car (Engine capacity, etc) you get insured on doesnt matter because it is your parents risk. Somethings telling me they wont be very fond on insuring me on an 01 MK4 Golf GTI:P

GvidoR

MK4 GTI... nice! Would love to have one myself. :P

Anyway since you're a named driver, it doesn't matter what car it is. I think every insurance company would refuse to give you a quote on anything above 1.6L while you're still on provisional though.

MascotDec85

It isn't exactly "FREE" as such. The lessons you pay for are at a premium rate. Still cheaper than paying for 6 months insurance though

Mint Sauce

This sounds like the deal I took when learning. My aditional understaning was you are only insured when the policy holder is in the car with you.

GvidoR

MascotDec85 wrote: »

It isn't exactly "FREE" as such. The lessons you pay for are at a premium rate. Still cheaper than paying for 6 months insurance though

Not quite. They work out at less than €40 per lesson when you buy 13 of them. You will need 12 to do your driving test anyway.

DKILLER12

Well I don't have one.. Yet:p my idea was to get one, my parents said that they would move to aviva so I can avail of this offer, anyway I would get a gti then one of them would say it's theirs and insure me on it:rolleyes: that's the plan anyway but something's telling me the won't be happy with insuring me on a gti

I can't tell you why

GvidoR wrote: »

Not quite. They work out at less than €40 per lesson when you buy 13 of them. You will need 12 to do your driving test anyway.

Those lessons are more expensive then most good instructors.
The second half of the year can also be more expensive then other instructors. A lot of driving instructors have links with First Ireland that can get you a good price. Get quotes from both (and others) before you buy.

DKILLER12

Alright will do thanks! the thing that is attracting is that they dont care as much about engine size

Nate--IRL--

I can't tell you why wrote: »

Those lessons are more expensive then most good instructors.
The second half of the year can also be more expensive then other instructors. A lot of driving instructors have links with First Ireland that can get you a good price. Get quotes from both (and others) before you buy.

+1 for First Ireland, my instructor mentioned them offhand as I'd just finished my 10th lesson (He's registered with them as an Instructor). Said I'd be eligible for a discount with them, so I gave them a ring.

€875 Fully comp. Lowest I had gotten elsewhere was €1620 (highest €2200). Couldn't believe it.

Nate

SteveAdti

You realise is you are on your own on the 6 month free accompanied driver insurance that you are not insured ?
The policy stipulates that your parent is the only one that can drive with you

DKILLER12

Nate--IRL-- wrote: »

+1 for First Ireland, my instructor mentioned them offhand as I'd just finished my 10th lesson (He's registered with them as an Instructor). Said I'd be eligible for a discount with them, so I gave them a ring.

€875 Fully comp. Lowest I had gotten elsewhere was €1620 (highest €2200). Couldn't believe it.

Nate

That's excellent! what car did you get insured for that price on?

Nate--IRL--

05 Honda Jazz 1.3 - note however, I'm 34, so that will skew it compared to most.

Nate

ogillman

SteveAdti wrote: »

You realise is you are on your own on the 6 month free accompanied driver insurance that you are not insured ?
The policy stipulates that your parent is the only one that can drive with you

Correction it's a parent, an aviva instructor, an RSA tester or anyone who has held a full license for over 2 years.

SteveAdti

ogillman wrote: »

Correction it's a parent, an aviva instructor, an RSA tester or anyone who has held a full license for over 2 years.

Are you sure . I don't think that insurance policy applies the full licence holder for two years.
Correction to you there is a minimum age to the person that can accompany by the way.
I think in general a accompanying driver must be 22 or over.

ogillman

SteveAdti wrote: »

Are you sure . I don't think that insurance policy applies the full licence holder for two years.
Correction to you there is a minimum age to the person that can accompany by the way.
I think in general a accompanying driver must be 22 or over.

Yes I am sure. My first policy was that 6 months free. I have my insurance document with the conditions on it. Doesn't say over 22, just held a full license for over 2 years.

ogillman

SteveAdti wrote: »

Are you sure . I don't think that insurance policy applies the full licence holder for two years.
Correction to you there is a minimum age to the person that can accompany by the way.
I think in general a accompanying driver must be 22 or over.

Allow me to quote what the policy states.
A full EU licence holder having held a full licence for a continuous period of two years in respect to the vehicle category.

An aviva instructor for the purpose of tuition

An official examiner provided by the driving test centre for the purpose of sitting the official driving test.

SteveAdti

ogillman wrote: »

Allow me to quote what the policy states.
A full EU licence holder having held a full licence for a continuous period of two years in respect to the vehicle category.

An aviva instructor for the purpose of tuition

An official examiner provided by the driving test centre for the purpose of sitting the official driving test.

Thats good but remember the law supercedes everything
I think the law states that a accompanying full licence holder has to be 22 or over.
Thus if being accompanied by a younger person your are deemed to be unaccompanied thus uninsured
I am of course open to correction on the law

ogillman

SteveAdti wrote: »

Thats good but remember the law supercedes everything
I think the law states that a accompanying full licence holder has to be 22 or over.
Thus if being accompanied by a younger person your are deemed to be unaccompanied thus uninsured
I am of course open to correction on the law

Yeah I was sure that the law at a minimum age as well. I never drove without my parents anyway and I think it would be the case for most people. Seems to be a grey area surrounding it. Probably best for anyone planning on driving with somebody under 22 to check with the guards ad well as aviva

MascotDec85

I can't find any info on an accompanying driver having to be 22 anywhere. The RSA don't even stipulate it as part of the process for becoming an ADI. It's not mentioned in the ROTR either, only they must have held a valid licence continuously for a minimum of 2 years.

In the UK the rule is 21 and have held a full licence for 3 years

d1234

The promotion sounds good but a few points to note. A family member got that package and although the insurance aspect is a good idea, the instructor was rather ignorant and in the end it was quite difficult. I have heard a few stories about the instructors refusing to sign off the lessons at the end so be warned! Instead they will do a few more (some more than a few!) private lessons with you which you pay for and keep the last one until before your test.

MascotDec85

d1234 wrote: »

The promotion sounds good but a few points to note. A family member got that package and although the insurance aspect is a good idea, the instructor was rather ignorant and in the end it was quite difficult. I have heard a few stories about the instructors refusing to sign off the lessons at the end so be warned! Instead they will do a few more (some more than a few!) private lessons with you which you pay for and keep the last one until before your test.

In fairness, from an independent ADI. 12 or 13 lessons are RARELY enough to get a pupil through a test.

d1234

MascotDec85 wrote: »

In fairness, from an independent ADI. 12 or 13 lessons are RARELY enough to get a pupil through a test.

Yes I'm fully aware of that. However the Aviva instructor wouldn't allow her to take her last lesson until she got more. This to me is terrible and perhaps a little scam. The Aviva instructor wasn't sure how many lessons at first but insisted that she got five more lessons before they would sign off. Just to note also that this person had their provisional license for a while and didn't actually require the book signed off for the test. However, she went for one lesson with an independent instructor, who said that her driving was great (this was two days after her previous Aviva lesson) and decided to book the test. She passed first time round.

This isn't the only case I've heard like this. It isn't right or fair in cases like this. And when Aviva were contacted, to be honest they didn't really care about it. Based on the experiences I've heard, I wouldn't recommend if you require your book to be signed. But then again the insurance is a good idea!

SheldonC17

What sort of penalty would you be looking at if you were caught driving alone in the car?

Monkeysgomad

SheldonC17 wrote: »

What sort of penalty would you be looking at if you were caught driving alone in the car?

You are disqualified