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Learner Insurance -Male 40's

  • 05-11-2014 10:28am
    #1
    ashamix
    Registered Users, Registered Users 2 Posts: 6 ✭


    I have just completed my EDT lessons,and want to buy my own car.I understand that i have to be accompanied by a full licence driver and all that,and i know i will be hit hard price wise before i pass my test.
    I rang First Ireland .ie and got a really high quote (Ford focus 1.4),but they informed me of a scheme they have called Drivefirst,where i take 10 lessons from an instructor who is insured by them,get a certificate of lessons.Then ring them again for a quote and get a one year introductory No Claim Bonus and extra minimum 10% discount.
    Should i also put a full licence person(My Partner) as a named driver ?
    I'm very tempted to do this as i know i need more lessons anyway.
    I would be very grateful for anyone thoughts on this,would it be worth it ??
    Thanks for your time.


Comments

  • #2
    ProudDUB
    Registered Users, Registered Users 2 Posts: 11,569 ✭✭✭✭ProudDUB


    Yes, put your partner on the policy if she has a clean license for a number of years. Put your parents on too, if they also have clean licenses. The number of people who could be driving the car (that aren't you) lowers the risk (in theory) and that in turn lowers the premium.


  • #3
    thesimpsons
    Registered Users, Registered Users 2 Posts: 1,696 ✭✭✭thesimpsons


    along with putting a named driver on your insurance if you can pay in one installment it can often reduce the cost as well. one of my children's insurance went from 1100e down to 870 by putting full licenced adult on as named and by paying one installment.


  • #4
    MarkAnthony
    Closed Accounts Posts: 6,934 ✭✭✭MarkAnthony


    Be careful OP. If those people are not genuinely driving the car then that's fronting and woe-betide you if you have an accident.


  • #5
    ProudDUB
    Registered Users, Registered Users 2 Posts: 11,569 ✭✭✭✭ProudDUB


    MarkAnthony wrote: »
    Be careful OP. If those people are not genuinely driving the car then that's fronting and woe-betide you if you have an accident.

    It's not fronting, if you own the car, the insurance policy is in your name & you are adding family members onto to the policy, that may be legitimately driving the car from time to time. That is what I was suggesting the OP do.

    That isn't the same thing as a young learner buying a car and putting his parents down as the owners, or getting them to take a policy out on it, in order to lower his own premium.


  • #6
    thesimpsons
    Registered Users, Registered Users 2 Posts: 1,696 ✭✭✭thesimpsons


    when my daughter was getting her insurance, it was the insurance company who suggested putting me on her insurance. I do only occasionally drive her car but it was invaluable when someone crashed into her recently and I was able to drive & collect the car to garage for fixing.


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  • #7
    MascotDec85
    Registered Users, Registered Users 2 Posts: 1,924 ✭✭✭MascotDec85


    thesimpsons wrote: »
    when my daughter was getting her insurance, it was the insurance company who suggested putting me on her insurance. I do only occasionally drive her car but it was invaluable when someone crashed into her recently and I was able to drive & collect the car to garage for fixing.

    You could have done that anyway, assuming you have a fully comprehensive policy in your own name.


  • #8
    thesimpsons
    Registered Users, Registered Users 2 Posts: 1,696 ✭✭✭thesimpsons


    MascotDec85 wrote: »
    You could have done that anyway, assuming you have a fully comprehensive policy in your own name.

    Yes but my own insurance only gave me 3rd party cover on other cars and seeing as it gave better coverage for her car and got her a cheaper price, it was worth it.


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