Car insurance 19 yr old

dwasol

My son needs a car for a new job. I've got him an old yaris but he needs insurance while learning to drive + going forward. Any suggestions

Monkeysgomad

dwasol wrote: »

My son needs a car for a new job. I've got him an old yaris but he needs insurance while learning to drive + going forward. Any suggestions

Aviva do 6 months free insurance when you buy 13 lessons with them

thelad95

dwasol wrote: »

My son needs a car for a new job. I've got him an old yaris but he needs insurance while learning to drive + going forward. Any suggestions

Will he be using the car for commuting or as part of the job? If it's as part of the job he'll need to let them know he's using it as a work vehicle and as he's only a learner, they won't insure him.

You're also aware that most policies for learner permits, if you're son is caught driving unaccompanied or has an accident while unaccompanied, then his insurance is null and void?

Anyway all that aside I'd recommend axa student + if he's in college or else axa drive safe.

Monkeysgomad

thelad95 wrote: »

Will he be using the car for commuting or as part of the job? If it's as part of the job he'll need to let them know he's using it as a work vehicle and as he's only a learner, they won't insure him.

You're also aware that most policies for learner permits, if you're son is caught driving unaccompanied or has an accident while unaccompanied, then his insurance is null and void?

Anyway all that aside I'd recommend axa student + if he's in college or else axa drive safe.

No most don't. Most state that if driving alone and crashes they will cover the 3rd parties claims but not his own car, some will still cover him as it is not their job to enforce that law.

Faith+1

Monkeysgomad wrote: »

No most don't. Most state that if driving alone and crashes they will cover the 3rd parties claims but not his own car, some will still cover him as it is not their job to enforce that law.

True but then he has the Guards to worry about, fine, points etc.. Plus the insurance company will most likely request he pays them back as he shouldn't of being driving unaccompanied.

Monkeysgomad

Faith+1 wrote: »

True but then he has the Guards to worry about, fine, points etc.. Plus the insurance company will most likely request he pays them back as he shouldn't of being driving unaccompanied.

Well I'm sure once 6 months is up he'll take his test. Until then chances of him being cought are slim to none. Plus if he going to work daily you can't expect him to have a fully qualified driver with him to and from.

thelad95

Monkeysgomad wrote: »

Well I'm sure once 6 months is up he'll take his test. Until then chances of him being cought are slim to none. Plus if he going to work daily you can't expect him to have a fully qualified driver with him to and from.

Actually, there's an increasing number of Garda checkpoints being set up nationwide as part of a new operation. Believe me there's no insurance company that would pay out if he had an accident unaccompanied. For the sake of six months, the risks both you and your son are taking are not worth it.

If he's caught and gets a conviction, he will have to mention it in every single insurance quotes for the rest of his life. Why ruin his driving career before it's even begun?

The_Pretender

thelad95 wrote: »

Actually, there's an increasing number of Garda checkpoints being set up nationwide as part of a new operation. Believe me there's no insurance company that would pay out if he had an accident unaccompanied. For the sake of six months, the risks both you and your son are taking are not worth it.

If he's caught and gets a conviction, he will have to mention it in every single insurance quotes for the rest of his life. Why ruin his driving career before it's even begun?

My insurance company covered me to drive unaccompanied not too long ago. I asked them and they explicitly said that I would still be covered, so in the last 3 years have insurance companies backed out of covering unaccompanied drivers? I've heard of clauses being put in the policy, but it definitely didn't apply to my policy.

While the driving unaccompanied debate is for a different thread, I don't believe the OP will have trouble getting their son insurance that will cover him. OP all you can do is price around; call every insurance company you can find and try brokers as well, they can be good for getting the best quote. Friends and family members have had success with First Ireland and AA getting them cheap quotes.

thesimpsons

Monkeysgomad wrote: »

Well I'm sure once 6 months is up he'll take his test. Until then chances of him being cought are slim to none. Plus if he going to work daily you can't expect him to have a fully qualified driver with him to and from.

why not - its the law

Monkeysgomad

thesimpsons wrote: »

why not - its the law

Realistically that doesn't happen. If the parents are working he has to get there somehow. If he doesn't live near public transport he has to drive.

Monkeysgomad

The_Pretender wrote: »

My insurance company covered me to drive unaccompanied not too long ago. I asked them and they explicitly said that I would still be covered, so in the last 3 years have insurance companies backed out of covering unaccompanied drivers? I've heard of clauses being put in the policy, but it definitely didn't apply to my policy.

While the driving unaccompanied debate is for a different thread, I don't believe the OP will have trouble getting their son insurance that will cover him. OP all you can do is price around; call every insurance company you can find and try brokers as well, they can be good for getting the best quote. Friends and family members have had success with First Ireland and AA getting them cheap quotes.

Mine also did as did my older siblings one. There is cover out there because most people do drive alone.