Insurance question(s)

[StevenRB45]

Thats a good point. I really had no idea that when he passes his test i have to let the insurance company know. It seems obvious now, but i can imagine a lot of people would miss this. I suppose I had some inkling that its best for him to pass his driving test before the current insurance runs out in February, but i didn't know why.

There is a question on new quotes about the licence type held, I assume you've said provisional on current policy?

If not may need to resolve that although reasonable chance it would be cheaper for a provisional license holder than full license unless the way the insurance world works has changed.

 

[AnthonyH]

There is a question on new quotes about the licence type held, I assume you've said provisional on current policy?

If not may need to resolve that although reasonable chance it would be cheaper for a provisional license holder than full license unless the way the insurance world works has changed.

I did this over the phone, but i said i'd think about it, hung up and rang back about an hour later. When I phoned back I checked all the details, and confirmed they knew that he was on a provisional license, so i've avoided that issue. I'm still waiting for them to send written confirmation, but i think it'll all be correct.

 

[bugsymike]

I fear you'll be sadly disappointed on that score, provisional quotes are generally lower because the expectation is there's a responsible adult in the car stopping them from launching it into a bus stop queue upside down with 4 mates on board.

With a full license no adult required...

I agree with you Steven, having had five children going through this in the past, my experience was with, as learners on provisional licenses my premium was not affected as at all times they were driving with an experienced policy holder.
As has been mentioned, it is once they pass the test that the real risk of insuring a testerone fuelled under 25 year old becomes apparent.
Hence why after passing their test they all had to arrange their own insurance, so the affects of their actions came out of their pockets!

 

[AnthonyH]

I agree with you Steven, having had five children going through this in the past, my experience was with, as learners on provisional licenses my premium was not affected as at all times they were driving with an experienced policy holder.
As has been mentioned, it is once they pass the test that the real risk of insuring a testerone fuelled under 25 year old becomes apparent.
Hence why after passing their test they all had to arrange their own insurance, so the affects of their actions came out of their pockets!

I'll shove him onto his own insurance as soon as he's working or at uni, but that'll be a year at least and probably longer.

I think even if he isn't driving having a licence for as long as possible before going solo will keep his premiums down.

I'm currently driving him to college because there are no buses and it's quite a bind.