I am a provisional driver. If I get my own car and insure it my name, I wanted to put my dad or friend...?

Question

on the insurance as second and/or third drivers because it cuts my premiums.
AS far as i know they are both insured fully comp on their own cars. If I have an accident whilst driving my own car, where I am insured as the main driver, will their ncb on their own insurances on their own cars be affected if I need to make a claim?

the lowest is norwich union, via gocompare for £462.00 thats with my dad on the insurance too, without, its up in the 600s. It will go up once I have passed my test though, to around the 600s

ive held a provisional licence for 18 years, got my test in 2 weeks and am buying a car this week, therefore need insurance until i pass my test. my dad will NOT let me drive his car and its illegal to put him or a friend as the main driver on my car when the main driver is me. Therefore all im interested in is ensuring that if anything happened in my car with me driving and I made a claim, it wouldnt affect their NCB? Bit confused

203 - that the was the lowest quote, the highest would have made your eyes water. the quote for norwich union via gocompare, was lower than their own website of £509,, crazy

Answer 1

I had a car to learn in when I was provisional - ten yrs ago now - it was insured in my name, fully comp with both my mom and dad as named drivers. Because it's a separate premium it shouldn't affect your mom/dads own insurance for their own car.

You are right though, once you pass your insurance will increase to the £600s - but it's better to start gathering your no-claims now; and once you move on your own you'll benefit from the cheaper costs then.

Good luck, and happy and safe driving.

Answer 2

I would wait until you have passed your test and then get the car and insurance. It seems you are going through a lot of hoops at the moment and you should really be concentrating on your test.

Having been on a provisional licence for 18 years, you must be around 34 years old and this is in your favour as over 25's get a better discount than under 25's.

I think the best thing to do is to talk to your insurance companies and ask them. After all, they are the experts and they want your business.

All this talk about trying to circumvent their checking systems seems counter-productive.

Good Luck with your test!

Answer 3

As a provisional licence holder you cannot drive a car unless accompanied by someone holding a full licence over the age of 21.

Have you actually found an insurer willing to cover you as policy holder on a provisional licence for a reasonable price?

It seems like a lot of expense when you would always have to have your dad or friend with you when driving.

[wow that's cheaper than my insurace, licence held for 18 years and over ten years ncb!]

Answer 4

my advice,
insure yourself with a company that offers no claims bonus to named drivers and insure someone cheaper as the main driver. My teenage brothers both do this to lower their premiums.
A NCB is only affected on the policy which is claimed on - i.e. if you crashed on your policy it is you NCB affected.
does that make sense?
Take my advise re who to insure as main driver though, you could save hundreds.
I insure my car from my mum's address cos I live in London and my premium is at least £200 higher at my address just cos its in London.

I'm not letting those money grabbing insurers get their hands on that much of my cash just for that!

edit
it may be illegal but everyone does it. so is what I do and I have done for years. How would they ever know? if you crash so what? you are insured as a driver, you had a legitimate reason to be in the car. They just want the money.

Answer 5

There are companies that allow your parent to include you as a named driver on their insurance, and you can amass a no claims bonus at the same time. I think Admiral may have a scheme in place now. But this is the cheapest way to gain no claims bonuses and saving money is what we all aim to do, isn't
it?? Look around and you will find these deals, I'm sure you will be happy and save money too, so go for it !!!

Answer 6

I dont believe you can my daughter when learning to drive we waanted to put her as main driver and my wife as second named driver and was informed by the insurance company that this was against the law as you had to have passed your test first

Answer 7

insurance for a provisional driver would cost a fortune, you can only drive on a provisional if a qualified driver is in the car with you. thats what i think anyway.

Answer 8

it would be a lot easier and cheaper to do it exactly opposite and any claims on your insurance policy would not effect your dads policy. but you are right in the assumption it wont effect the NCB when they renew complicated yes but true