Insuring my son to my car. How does it work.

MarcelBmx

I wanted to insure my son to my car passat 06 1.9tdi. I pay around 550euro insurance for the car with my wife. I heard that I can put him intoy insurance for fairly cheap as a additonal driver of the car.If I insured my son to my car around how much extra I would have to pay for the insurance? He's a new driver and he's 17years old.

_Brian

MarcelBmx wrote: »

I wanted to insure my son to my car passat 06 1.9tdi. I pay around 550euro insurance for the car with my wife. I heard that I can put him intoy insurance for fairly cheap as a additonal driver of the car.If I insured my son to my car around how much extra I would have to pay for the insurance? He's a new driver and he's 17years old.

Ring them and say:
"Hello I'm MarcelBmx and I'd like to add my son as a named driver to my policy"

It should go smoothly from there

MarcelBmx

I will but I just wanted any idea if it will cost me 200euro extra to my insurance or 1000extra if not more.

Bpmull

MarcelBmx wrote: »

I will but I just wanted any idea if it will cost me 200euro extra to my insurance or 1000extra if not more.

It will be a hell of a lot closer to the 1k mark than the 200 euro. When I went on my parents car insurance it cost 1k extra and that was only 1.6tdi although it was a brand new car which wouldn't of helped but the 1.9 will mean it will be high enough. Anyway no one on here will be able to tell you exactly only the insurer.

bazz26

The only ones who know this is your insurance company. Insurance is not bought off a fixed menu so nobody here will know other than guessing.

One thing to note is that insurance companies have wised up to young drivers putting the policy in their parents name for cheaper premiums. These days insurance companies will load whoever is the highest risk driver on the policy irrespective of whether they are the policy holder or not.

Mycroft H

1.9tdi. It's going to be pricey. Ring them and find out. Don't be surprised if it's close or exceeding 1000.

coylemj

bazz26 wrote: »

One thing to note is that insurance companies have wised up to young drivers putting the policy in their parents name for cheaper premiums. These days insurance companies will load whoever is the highest risk driver on the policy irrespective of whether they are the policy holder or not.

They do get suspicious when Mammy suddenly buys a 2006 BMW 320 and from day one wants her 17 year old son Jimmy as a named driver. This is a different scenario in that it's an existing car.

ironclaw

A family member, same situation, was over a €1000 on a provisional and he was in his 20's on a 1.4. Its going to be a lot extra. Even more so because your son is under 18. My general advice if you are going to do this, is get him on this provisional and go hell for leather for the test. The sooner he is on a full license the better. Don't insure him to sit on a provisional for a year+. You'll get a refund, however small, if he transitions to a full license in the same year.

Oddly, its usually cheaper to put him on the wifes policy. As bonkers as its sounds, on my own policy and on my own car, if I name my mother as a driver, its cheaper.

bazz26

coylemj wrote: »

They do get suspicious when Mammy suddenly buys a 2006 BMW 320 and from day one wants her 17 year old son Jimmy as a named driver. This is a different scenario in that it's an existing car.

Being suspicious is one thing and can be difficult to prove. However having a blanket policy of loading the highest risk driver on the policy covers all angels for them.

To Elland Back

Just remember, your insurer is not obliged to accept your son as a driver. If they do, they may restrict the cover to TPF&T, or quote an additional premium so high as to deter you. However, there are other insurers out there that will quote

neilthefunkeone

Remember the mother putting me on her policy with a Daewoo Matiz when i was 17.. she still reminds me of the price these days!!

goz83

Also, keep in mind that as he is a young, inexperienced driver, he is far more likely to be involved in a collission. If that happens and a claim is made against him, the claim is on your policy. Both of you lose any earned NCB.

When you ring your insurer, sit down before they give you the price.

ShatterProof

About €894.45

Wanaknowmore

Just as an example:

My 21 year son, provisional licence, cost a tad over €950 extra on a 12 year old 1.6 primera.

corktina

1 get him to take the test asap
2 bite the bullet and get him his own 1.0 litre car and an Insurance Pol in his own name.
3 Make him pay you back when he's rich!

MugMugs

corktina wrote: »

1 get him to take the test asap
2 bite the bullet and get him his own 1.0 litre car and an Insurance Pol in his own name.
3 Make him pay you back when he's rich!

There's quite a bit of creedence to this.

Odds are that your son is going to make sh1t of whatever car he gets his hands on. Whether he bounce it off a wall / another car or just generally drive it like a clown.

TDI is too much for a young fella to be driving for their first time.

At least if he's in some 1.0 Micra, your car stays in tact and if he does bounce it off a wall, you've still got a car (and a No Claims Bonus)

ironclaw

I would strongly encourage getting a car in your own name as soon as possible. It stands to you in terms of discount far more than 'named' experience. 4 to 5 years of named experience is equal to 1 year of your own. So its certainly worth it in the long run.

The issue is the balance act of getting a car cheap enough so that the extra of having it in your own name is a financially sound decision. I recently found out that a 1999 is nearly twice the price to insure as a 2006 as insurers are getting edging about cars over 10-15 years old.

Bpmull

MugMugs wrote: »

There's quite a bit of creedence to this.

Odds are that your son is going to make sh1t of whatever car he gets his hands on. Whether he bounce it off a wall / another car or just generally drive it like a clown.

TDI is too much for a young fella to be driving for their first time.

At least if he's in some 1.0 Micra, your car stays in tact and if he does bounce it off a wall, you've still got a car (and a No Claims Bonus)

I never get this at all. Everyone seems to say you have to learn to drive in a tiny car with a tiny engine. I don't think the insurance would even work out that much cheaper a few hundredh. Also it's a 1.9tdi passat 105bhp I have that engine in my golf it's a long way of being too much for someone to handle. Also as my parents always said when I started driving better to crash something big. I don't care what anyone says a 2006 passat will stand up better in a crash than some 15 year old micra.

Just in my own case when I first started driving about 3 years ago I started of in a Megane diesel 1.5dci and was also on the insurance of a 2.5 dci lwb high roof master van that was 7 odd metres long I didn't damage or crash either. It's all relative if you start of driving something larger it's not like you have anything to compare it too. I sat my test in my parents octavia which was only 3 months old at the time. The way people are talking on this thread you'd sware it was inevitable he will crash.

corktina

it's not your opinion that matters though, it's the Insurance Companies opinion

Bpmull

corktina wrote: »

it's not your opinion that matters though, it's the Insurance Companies opinion

I bet there would be a small enough difference between the passat and an old micra though. As someone said above insurance companies are going off insuring very old cars and they allow a bit for the safety features on the passat abs, esc etc. infairness no matter what the op does it's going to be around the 1k euro mark. Surly it would overall work out a lot cheaper to insure him on the ops passat rather than buy run, tax, insure an extra micra or other car.

vectra

@ OP
Don't do it.