Insurance for young daughter - help with options ?

dodzy

Right folks, I'm posting this hers as I'm sure some of you have been down this road in the past. My daughter has completed her lessons ( 12 in total I think and has got her permit ). Now I'm trying to get her mobile.

So..... named driver on a 2.0tdi A6 is approx 1K per year on top of my premium. I'd go with this but its a big car for her entry into the motoring world I feel.

Her own insurance is out I reckon as its just telephone numbers from those who will quote ( FBD wont quote unless 5yrs experience if under 25 - She's only just turned 18 )

Was toying with the idea of parking up the A6 for 6 mths and getting a 1.0 - 1.3 junker and using that as my commute and her starter car. Would kill me but what the hell. FBD obviously will not allow me to insure a 2nd car and name her on that. Not sure if they used to offer this service, but not any more. A 1.0 yaris for example would be €1K for 1yr as opposed the the a6 which is about €1400.

So, any suggestions from anyone in the game or who has been down the same road recently ?

Thanks in advance:)

Alanstrainor

If she has the 12 lessons then get her to apply for the test. Do as many more lessons as she needs to be test ready and just go for it. This process will be a lot easier if she has a full license. And seeing that the car will most likely only get occasional use for the mean time it should be cost effective too.

She should be able to get a quote on a 1.0 litre or similar though, call around and just ignore online quotes. Briton brokers are good for younger drivers/learners.

zl1whqvjs75cdy

You can get a second insurance policy on a second car but you can't use your no claims bonus on two cars at once. So you can stay insured on the A6 for yourself, and take out a second policy with another company but don't use your no claims bonus on the second policy.

dodzy

Alanstrainor wrote: »

If she has the 12 lessons then get her to apply for the test. Do as many more lessons as she needs to be test ready and just go for it. This process will be a lot easier if she has a full license. And seeing that the car will most likely only get occasional use for the mean time it should be cost effective too.

She should be able to get a quote on a 1.0 litre or similar though, call around and just ignore online quotes. Briton brokers are good for younger drivers/learners.

Cheers Al, was thinking that but the lessons, as good as they are, are too infrequent to build up the experience I feel. She needs to be driving in between to keep the momentum IMO. Will give BB a ring.

donkeyoaty0099 wrote: »

You can get a second insurance policy on a second car but you can't use your no claims bonus on two cars at once. So you can stay insured on the A6 for yourself, and take out a second policy with another company but don't use your no claims bonus on the second policy.

Cheers for that. Will make a few calls.

corktina

Named driver really is old hat now I think. They will assess the premium based on the highest risk, so get a quote for her in her own name on a one litre and go from there. That way she is building her own no claims and the premium will come down over time. They wont want to quote for her driving an A6 that's for sure!

dodzy

corktina wrote: »

Named driver really is old hat now I think. They will assess the premium based on the highest risk, so get a quote for her in her own name on a one litre and go from there. That way she is building her own no claims and the premium will come down over time. They wont want to quote for her driving an A6 that's for sure!

Old hat it maybe, but still worlds apart in quotations.

1.0 Yaris (minimal value) / 3rd party F&T / 18yr old with permit €3375. This reduces by €1000 with a full license and obviously further with each year NCB.

I can pick up a Yaris (00) and name her with my policy transferred for about €1200 all in or €1500 on the A6. I just think that if I get her into a small yolk (and suffer with that as my main runner for as long as it takes her to get her FDL, then it's an option I'll definitely consider. Switch back at that stage to the A6 and let her off on her own with the chicken chaser, a car she's had some time to get used to.

corktina

why not just get the full license now? 12 lessons should be nearly enough to pass. They used to say one lesson for each year of life....

Pov06

I am a 19 year old male.

Last September I got insured on a 1.0 Yaris in my own name for €1,700 (First Ireland brokers).

I had a leaner's permit at the time. I booked a test and got a test date in November, passed the test and the insurance company refunded €300 as I had got a full licence.

So all in all it came out as €1,400 for insurance in my own name.

I think this would be a better option for you because your daughter will also be building up a No claims bonus.

LawlessBoy

18 myself and 1yr NCB would recommend if you can insuring her on her own policy. It just works out much better later on especially for her if your paying the first premium haha.

First premium I paid was 3300 in my own name on a permit at the time on a 1.2 Clio now my renewal is due in 2 weeks its come down to under 1500 . Simply because I have a full license and a years NCB

dodzy

corktina wrote: »

why not just get the full license now? 12 lessons should be nearly enough to pass. They used to say one lesson for each year of life....

She's not ready unfortunately. Then again, I'd be surprised if anyone could do 12 hrs of driving from never having sat in a drivers seat and pass a test.

I'll ring that first Ireland tomorrow. Thanks folks.

guil

dodzy wrote: »

She's not ready unfortunately. Then again, I'd be surprised if anyone could do 12 hrs of driving from never having sat in a drivers seat and pass a test.

I'll ring that first Ireland tomorrow. Thanks folks.

I had 7.5 hours in a rigid and 6 in an artic to pass my test on both :pac:
As others have said though she would be much better off bearing the brunt of it now. Even if she got the full licence but was on your policy for the next year or 2, I'd imagine it would still be quite costly for first time insurance.

dodzy

guil wrote: »

I had 7.5 hours in a rigid and 6 in an artic to pass my test on both :pac:

The important thing is that I'm sure you were a competent car driver at that point. Makes a huge difference, whatever the vehicle.

guil wrote: »

As others have said though she would be much better off bearing the brunt of it now. Even if she got the full licence but was on your policy for the next year or 2, I'd imagine it would still be quite costly for first time insurance.

€3350 now. €1000 less with a FDL. And another chunk of a reduction for 2yrs as a named driver with no claim. It makes a huge difference.

Theanswers

Hey,

My thoughts are that you should keep her insured on the A6. It's a much safer car than the 1.0 litre Yaris, she is building a no claims bonus, just not in her name. However, it's a start. Likewise, as she is learning she is more likely to have a accident and therefore I'd rather that happen in the a6 than a yaris.

Furthermore, the a6 isn't very big. I believe it helps to learn in a 'bigger' vehicle, then in the future she won't be concentrating or finding different cars of larger or smaller more difficult to drive.

ironclaw

Theanswers wrote: »

Hey,

My thoughts are that you should keep her insured on the A6. It's a much safer car than the 1.0 litre Yaris, she is building a no claims bonus, just not in her name. However, it's a start. Likewise, as she is learning she is more likely to have a accident and therefore I'd rather that happen in the a6 than a yaris.

Gone through a central median in a Yaris. Walked away and car was only written off as we nudged the axle on the way over. They are not an 'unsafe' car in my opinion. The newer body has a very high NCAP rating. The older one (Up to 2005) not so great but pretty acceptable for a car of its age. Also, at 1.0L, you'll run out of steam pretty quick around 120km/h and everything is at a snails pace in between. So as for causing an accident, you'd be hard pressed to :pac: Very forgiving car to learn in and is reasonably responsive with a shade of forgiveness.

As for the A6, will be a damn sight more expensive to repair for any bumps, scrapes or potential damage from an accident. A Yaris you could beat up all day and even probably write it off for less than the cost of making a claim / premium increase.

You make a good point with learning in a bigger car, but I feel learning on a small, under-powered car, makes you a far better driver as you literally have to fight every gear change, you appreciate 'power' when you eventually get it and judge your reactions far more accordingly (Taking off on a hill etc)