Few questions from a first time driver

TheStook

So Im 20 atm and will be collecting my Learner Permit in February. Atm I have no immediate need to drive but I figure while Im working (Job isnt exactly secure) I may aswell get this whole learning to drive business out of the way.

Now I know none of yee can give me exact figures etc but Ive a few questions.

Assuming I get all my 12 lessons done and pass the driving test (21 in November btw), how much insurance would I be likely to pay? Assuming I drive a 02/03/04 Volkswagen Polo or something like that, whats the ballpark figure? <€1500?

Alternatively, my mother said she'd have no problem with me going on her insurance once I get my 12 lessons done but the problem is Ive no idea how that works. Will it bring her insurance payments up by a lot? When I eventually go on my own insurance will it be cheaper because of this?

Thanks in advance people, sorry if their silly questions!

cantdecide

If you have no real need of a car and your work is not secure and your mother is volunteering to put you on her insurance, it's a no brainer, IMO. If you can afford the insurance price hike to get on her car, that's defo the way to go. Have her ring and find out what the increase will be and go from there. If you can take your EDT (gf got hers for €350) with an instructor and have your mum take you out for regular practice, you'll be making progress quickly if you take the process on with a good attitude.

Aside from that, you're under no real pressure go get a car of your own unless your circumstances change but if you're worried about the cost of insurance, just start calling or clicking to get a ballpark figure. That's what they're there for and we could be estimating all day long but we don't know anything about your circumstances.

chocolate boy123

If you go under your mothers insurance and make a claim ye will both loose yer no claims , in the long run it's better to start off on your own name ( a friend explained but I forget how )

I am 20 and I drive a 02 1.2 polo get a quote from chill on my own name it was 1450 roughly

chocolate boy123

Also go onto first Ireland insurance and look at there 10 lesson deal , if you do 10 lessons with one off the instructors listed you will get a discount on insurance with them on year one

cantdecide

chocolate boy123 wrote: »

...in the long run it's better to start off on your own name...

True however, the OP wants to

"get this whole learning to drive business out of the way"

So there isn't any long term aspect to his situation other than maybe presenting for first insurance in the future having had a full licence for a year or more which is an advantage then without a big commitment now.

Also, with step back no claims now so prevalent and the OP only wishing to spend some leisure time learning to drive, I wouldn't be overly concerned about an accident that's far from inevitable. In fact, most people learn to drive without having any insurance claims at all, I reckon.

mhackett102

You probably got sorted by now but.. I got my learners permit nearly a year ago now, and I got insured on my mothers car in May. Her insurance rose about €900 but it was much cheaper than the quotes I was getting when I was considering getting a car and having the insurance in my own name.

Once this May comes, if I go to get my own car then I can tell my insurance company that I have one years driving experience done, no accidents or claims and will have my full licence (hopefully, still waiting on a date).

Just so you have an idea, I went to insure myself last May on a 2003 Corolla 1.4 and it came back at over €5,000!
When I said I had my full licence, one years experience and no claims then it went down to just under €2,000.

My advice is to try get on to your parents car until you get your full licence. I know this was put up a month ago so you probably went your own way but its what I am doing and Im happy with the difference

TheStook

mhackett102 wrote: »

You probably got sorted by now but.. I got my learners permit nearly a year ago now, and I got insured on my mothers car in May. Her insurance rose about €900 but it was much cheaper than the quotes I was getting when I was considering getting a car and having the insurance in my own name.

Once this May comes, if I go to get my own car then I can tell my insurance company that I have one years driving experience done, no accidents or claims and will have my full licence (hopefully, still waiting on a date).

Just so you have an idea, I went to insure myself last May on a 2003 Corolla 1.4 and it came back at over €5,000!
When I said I had my full licence, one years experience and no claims then it went down to just under €2,000.

My advice is to try get on to your parents car until you get your full licence. I know this was put up a month ago so you probably went your own way but its what I am doing and Im happy with the difference

Nope havent made any progress since. Something keeps coming up thats making me miss Learner permit Appt's

And cool thats good to know thanks!