Insurance for 30 year old Learner Driver

Amica

Hi all,
at the ripe age of 30 I'm finally going to learn to drive! I have my learner permit so the next step is to get insured. I'm pretty clueless about the world of cars to be honest. I could either learn (and get insured) on my husband's quite large 1.8L engine Peugeot or I could buy a small second hand (cheap!) car - with about a 1.2L engine. I'm trying to figure out how big the price difference would be between getting insured on a large and small car.

I'm a 30 year old woman with a learner licence and the cheapest price I've found for insurance on the hubby's car is around €1200 - does that seem like a good price? If anybody else is more in the know, any advice or general info would be helpful. Thanks!

Alanstrainor

Amica wrote: »

Hi all,
at the ripe age of 30 I'm finally going to learn to drive! I have my learner permit so the next step is to get insured. I'm pretty clueless about the world of cars to be honest. I could either learn (and get insured) on my husband's quite large 1.8L engine Peugeot or I could buy a small second hand (cheap!) car - with about a 1.2L engine. I'm trying to figure out how big the price difference would be between getting insured on a large and small car.

I'm a 30 year old woman with a learner licence and the cheapest price I've found for insurance on the hubby's car is around €1200 - does that seem like a good price? If anybody else is more in the know, any advice or general info would be helpful. Thanks!

Your husband will have to insure you as a named driver on his car. He is the only one who will be able to find out how much this costs. Best ask him and take it from there.

I wouldn't be afraid of a 1.8 litre peugeot either. Should be easy to insure.

Get your husband to find out and take it from there.

Amica

Thanks for the reply but please explain - when you say he has to insure me as a named driver on this car, do you mean that I, as a leaner driver, can't get insured on a car of my own? and /or can we not use two different insurance companies if we drive the one car?

Alanstrainor

Amica wrote: »

Thanks for the reply but please explain - when you say he has to insure me as a named driver on this car, do you mean that I, as a leaner driver, can't get insured on a car of my own? and /or can we not use two different insurance companies if we drive the one car?

No. If you want to get insurance on his car, you will have to get him to add you as a named driver, and find out how much that costs.

You can also buy and insure a car in your own name, but this will end up more expensive.

Amica

ok thanks. I'll look into the price difference between insuring a car in my own name vs becoming a named driver on his car

Alanstrainor

Amica wrote: »

Hi all,
at the ripe age of 30 I'm finally going to learn to drive! I have my learner permit so the next step is to get insured. ...

Just to note on this also, your next step should be to get lessons. No point spending the money on insurance and car etc, before you can drive at all. You are far better off getting a good grounding with a good instructor before using your own car.

TheDoc

Alanstrainor wrote: »

Just to note on this also, your next step should be to get lessons. No point spending the money on insurance and car etc, before you can drive at all. You are far better off getting a good grounding with a good instructor before using your own car.

Good advice above. I only started driving three years ago, 23 years of age. Got insured on my mothers car and part of the deal (from Aviva) was lessons with one of their instructors.

He lived local, really nice fella and went from lesson one never sitting in the driving seat before, to last lesson feeling much more comfortable on the roads.

I had that policy for a full year, before I bought the car from my mother. Oddly, my first policy on my own as a learner, was €760 euro. That has gone up year on year, even with a no claims bonus. My latest policy was €1500

I'd take the advice provided by previous poster, spend the year learning and getting lessons, then get yourself booked in for a test. I slacked big time on getting the full license sorted and its cost me

Alanstrainor

TheDoc wrote: »

I had that policy for a full year, before I bought the car from my mother. Oddly, my first policy on my own as a learner, was €760 euro. That has gone up year on year, even with a no claims bonus. My latest policy was €1500

I'd take the advice provided by previous poster, spend the year learning and getting lessons, then get yourself booked in for a test. I slacked big time on getting the full license sorted and its cost me

You must be relentless when renewal time comes around and call every company/broker you can find. Aviva are relying on people not doing so, and just upping premiums. Happens all the time.

TheDoc

Alanstrainor wrote: »

You must be relentless when renewal time comes around and call every company/broker you can find. Aviva are relying on people not doing so, and just upping premiums. Happens all the time.

Oh I do, Aviva were my first insurer but I moved after that initial year.

I normally ring the independants and Chill, and find Chill give me the best price per year. Actually this year I renewed with Allianz, while my premium went up €200 ( for no real reason) I got policy benefits which were pretty impressive considering I'm a learner.

They are happy to insure me driving anyone else's car and to drive abroad among a few other nice bits. Figured it might be handy in the event one of the lads get's silly and wants to drink and drive, I can just step in(not a drinker) Actually had to do something like this coming back from a stag where cabin pressure hit one of the lads badly so took the wheel.

ProudDUB

Amica wrote: »

ok thanks. I'll look into the price difference between insuring a car in my own name vs becoming a named driver on his car

Your husband has to be the one to ring up his insurance company and find out how much it would be to add you onto his policy as a named driver. You can't do it. The insurance companies will only talk to the policy holder. Data protection, customer security and all that....

MiskyBoyy

TheDoc wrote: »

Oh I do, Aviva were my first insurer but I moved after that initial year.

I normally ring the independants and Chill, and find Chill give me the best price per year. Actually this year I renewed with Allianz, while my premium went up €200 ( for no real reason) I got policy benefits which were pretty impressive considering I'm a learner.

They are happy to insure me driving anyone else's car and to drive abroad among a few other nice bits. Figured it might be handy in the event one of the lads get's silly and wants to drink and drive, I can just step in(not a drinker) Actually had to do something like this coming back from a stag where cabin pressure hit one of the lads badly so took the wheel.

As a learner, your license is only valid for ROI only tho.

TheDoc

MiskyBoyy wrote: »

As a learner, your license is only valid for ROI only tho.

Ah yeah know that. but have a few trips coming up this year and if I pass my test then it will come in handy. Just a nice to have sort of thing, even if I won't use it.

Like I've had to drive another car last minute twice, in 3 years of driving. Just a nice benefit even if it use wont be common

raemie10

TheDoc wrote: »

Ah yeah know that. but have a few trips coming up this year and if I pass my test then it will come in handy. Just a nice to have sort of thing, even if I won't use it.

Like I've had to drive another car last minute twice, in 3 years of driving. Just a nice benefit even if it use wont be common

Not sure if I'm allowed pull up an old thread. Just wondering who you went with re insurance as I'm in the same position as you now