him as 2nd driver,or go down the other route -tpft- for himself.hes just passed his test and has pass plus.Also will my wifes own car ins no claims be taken for her and sons car.
2007-10-18 08:49:36 · 12 answers · asked by Anonymous in Cars & Transportation ➔ Insurance & Registration
If your wife will not be the main driver, if she insures it for him she will be committing fraud!
Concentrate on finding a cheap (but good) quote for him in his own right (try CIS or Direct line), this way he starts to build his own no claims discount and learns a little responsibility.
You can add him to your policies to drive your cars, and some insurers even allow him to build no claims discount this way. But there really is no avoiding his own insurance; he'll have to do it some day.
Third party insurances are not much cheaper than fully comp. Your wife's no claims is your wife's, not your son's and if the insurance for your son is still too high on a 1200cc car, sell it and buy him a Fiat Panda (group 1)!
2007-10-18 09:10:39 · answer #1 · answered by Anonymous · 2⤊ 0⤋
If you insure it as a family vehicle with the son as a named driver it will certainly be cheaper, but he probably won't get any cover if he has an accident. Insurance companies are wise to this scam and require the regular driver of the car to be notified to them so they can set the appropriate premium Don't take a chance, first cars often get bent!
2007-10-18 21:05:51 · answer #2 · answered by The original Peter G 7 · 1⤊ 0⤋
Her no claims can only be taken into account on one vehicle, so she can either use them on her car, or she can use them on your son's car. I would tap in both options into a search like confused.com and see what it comes up with. Going tpft for your son is ok, but if he (some would say inevitably) dings it, he'll have to fork out for the repairs himself. Which is fine if it's a bit of a banger but not if it's nice and shiny!
2007-10-18 08:59:24 · answer #3 · answered by Xai 5 · 0⤊ 0⤋
RIght, the key thing is that if it's your sons car, it should be insured in his name.
If it's your wifes car, and it's in her name, then your son can be a named driver on the insurance no worries.
As long as the owner is the main insured driver (in personal vehicle cases) then you can have as many named drivers as you like, regardless of how old or young they are.
2007-10-18 21:20:51 · answer #4 · answered by Steven N 4 · 1⤊ 0⤋
It would be cheaper to have the car registered in the wife's name, with the son as a part time driver. Exclude him from other cars on your property that he could have access to.
2007-10-18 15:04:43 · answer #5 · answered by fisherwoman 6 · 0⤊ 0⤋
i would make sure your wife has no claims protection if you name him as 2nd driver you may end up losing all your no claims if he has a bump which could be expensive in the long run.could be better to insure the car in his own right.
2007-10-18 09:01:04 · answer #6 · answered by harveymycat 3 · 0⤊ 0⤋
Hi,
I've just had the same prob with my daughter, and girls aren't as expensive as boys!
I've now got 2 insurances my car Saab, and hers which is registered in my name and her as named driver! BUT i had to use MY 9 years no claims to get the price down, which meant i had to re-do my own insurance and have NO no-claims, which meant of course the price went up.
NOW, I've just found out that by me having another car with daughter as named driver but me as keeper it is actually illegal and is called 'fronting'..
So basically, us as parents, CANT help our kids without breaking the law or paying extortionate prices for their insurance..
the moral of my story?... check with insurers whether you will be seen as being 'fronting' if you insure your son, or just pay up:( i know how you feel, its a no win situation. good luck, let me know if your lucky, and try Tesco car insurance, they are cheap
Marie
2007-10-18 09:03:19 · answer #7 · answered by marie206163 2 · 1⤊ 1⤋
This method of insuring for younger people was in the news last week. It's known as fronting, it's against the law (fraud) and insurance companies are clamping down on it. Beware!
2007-10-18 09:41:26 · answer #8 · answered by Anonymous · 2⤊ 0⤋
they're mendacity ba@@@@! i think of they might desire to have an earnings as they went out and delivered a bloody bucket! they could get reward and how did they purchase a sparkling camper van at end and son a bloody workstation and how did it paintings he had information superhighway the lot?? perhaps god despatched the money he looked as though it may furnish them each and everything else and not been anti god yet they used his call to expain each and everything even for him no longer working lazy pig!!
2016-10-13 02:31:50 · answer #9 · answered by ? 4 · 0⤊ 0⤋
It will be cheaper if it is insured in your wifes name but remember;
- your wife will loose her NCB if he has an accident (and it isn't protected)
- when he eventually moves out and needs insurance - where is his NCB?
2007-10-18 09:00:22 · answer #10 · answered by straightxdresser 3 · 0⤊ 0⤋