First time driver insurance options

Snake

Hey lads,

I want to get a car soon, and obviously becuase I'm a first time driver insurance rates are rough! If i went on my mothers policy, do I need to drive her car, or can I be insured on her policy with my name and hers? And would it make much of a difference? she's been driving 30 years with no points on her licence and never made a claim. Thanks

Noccy_Mondy

The best option would be to go onto your mothers car as is and have her add you as a named driver. If you were to get your own car and have your mother as the main driver and you as a named driver, the quote wouldn't be far below what it would be if you were on your own. Insurance companies are well aware of fronting, and they will generally now charge for the highest risk driver as opposed to the main driver. Your mother having a second car and putting you as the named driver screams out that you are going to be the main driver, to any insurance company. It's going to be hard for the first few years regardless!

Snake

Noccy_Mondy wrote: »

The best option would be to go onto your mothers car as is and have her add you as a named driver. If you were to get your own car and have your mother as the main driver and you as a named driver, the quote wouldn't be far below what it would be if you were on your own. Insurance companies are well aware of fronting, and they will generally now charge for the highest risk driver as opposed to the main driver. Your mother having a second car and putting you as the named driver screams out that you are going to be the main driver, to any insurance company. It's going to be hard for the first few years regardless!

We don't live close to each other either so I can't have her car! Unless I bought her car off her and she added me on her policy?

corktina

If you live miles from each other , there is little point in doing anything other than getting your own policy. They charge nowadays according to the highest risk driver anyway. I'd go to a broker and get him to get you the best deal he can.

Kopparberg Strawberry and Lime

GrayFox208 wrote: »

We don't live close to each other either so I can't have her car! Unless I bought her car off her and she added me on her policy?

Can't do that either

Just go on your own and earn your own bonus for no claims and it'll be more Benfical in the future

Snake

Kopparberg Strawberry and Lime wrote: »

Can't do that either

Just go on your own and earn your own bonus for no claims and it'll be more Benfical in the future

Is there anything I can do to get it at a better rate? Like one quote I got was for almost 5,000 euro!

Noccy_Mondy

What car is that on?

bazz26

Try adding your mother as a named driver to your policy. This can sometimes reduce the premium.

Snake

bazz26 wrote: »

Try adding your mother as a named driver to your policy. This can sometimes reduce the premium.

Thanks! I'll try it.

Snake

Noccy_Mondy wrote: »

What car is that on?

Peugeot 206. 2004

Noccy_Mondy

GrayFox208 wrote: »

Peugeot 206. 2004

Should be way down on that. Assuming it's the 1.1 litre, a quote shouldn't be too steep. Get out the phone book and ring every insurance company and broker that you can see. Don't bother with the online quotes as they generally tend to be up with the fairies.

biko

Take Aviva Ignition course, it'll knock a few bob off price with them anyway.

flanaganred

GrayFox208 wrote: »

Thanks! I'll try it.

I am a named driver on my partners policy she has a provisional licence+her first insurance dropped the price considerably also after ringing all the usual brokers and insurance companies first Ireland were by far the cheapest worth a call

Vote 4 Pedro

flanaganred wrote: »

I am a named driver on my partners policy she has a provisional licence+her first insurance dropped the price considerably also after ringing all the usual brokers and insurance companies first Ireland were by far the cheapest worth a call

I just got a quote from First Ireland for a 2001 Nissan Micra 1 liter. Male driver, 21 years old with a provisional licence and the mother as a named driver who has lots of no claims on her own car....they wanted €5714.35. :eek:

The best i got so far was with Liberty Insurance for €1286 third party, Mother as the main driver and me as a named driver, She will be the main driver, I'd guess it would be 75% her and 25% me
Do you thing i should keep trying or is the €1286 the best i'll get

Noccy_Mondy

€1200 is a decent enough quote. If it was me i'd be happy to settle with that. That said no harm in trying more and see what they give you.

Snake

biko wrote: »

Take Aviva Ignition course, it'll knock a few bob off price with them anyway.

Is it expensive?

biko

It's free afaik
Some details www.aviva.ie/online/driving/ignition/about