antnee
Member
Registered: 30th Dec 07
Location: Cov Drives: Clio 197
User status: Offline
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Can anyone tell me the facts about insurance for learner drivers?
I want to get my first car before I pass the test and get more practise in that. What happens about insurance though? Will I have to take out my own policy? or do I get my dad/brother to take out a policy and I'm a named driver?
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B3KAN
Member
Registered: 15th Feb 07
Location: Inverness, Highland
User status: Offline
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Up to you 
You can go on your mum or dads as a named driver
Or you can take out the policy in your name then whaen you pass inform them so they can chang it to you having a full licence 
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Jakey
Premium Member
Registered: 4th Jun 07
Location: Sandbach
User status: Offline
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You can be on your own insurance or be a named driver with a provisional.
It usually works out a couple of quid more expensive that insurance with a full licence. I never went out wit ha parent because you seem to pick up bad habits IMO.
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antnee
Member
Registered: 30th Dec 07
Location: Cov Drives: Clio 197
User status: Offline
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Well Ive done some quotes and they have come out as more than it would be for me on a full licence, Ive limited milage to 1000 on the provisional quotes
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swedge
Member
Registered: 3rd Sep 07
Location: Hawick,scotland drives: 1.4 sri corsa
User status: Offline
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yep same here, my insurance goes up after i pass my test, i think its because when your learning your always witha fully licenced and experianced driver
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antnee
Member
Registered: 30th Dec 07
Location: Cov Drives: Clio 197
User status: Offline
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The quotes I have done is MORE for learning than it is for full licence. And Im talking about £1k more too
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John
Member
Registered: 30th Jun 03
User status: Offline
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My insurance went up when I passed.
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GT190
Member
Registered: 6th Dec 07
Location: Greater London
User status: Offline
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quotes are more for a full lisence becuase...
- a learner driver will have L plates on the car and have to be with someone over 21 with a driving lisence at all time.
with a full UK you can do whatever you want.
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antnee
Member
Registered: 30th Dec 07
Location: Cov Drives: Clio 197
User status: Offline
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Is there any good companies for learner drivers?
Also, you are all saying its more on a full licence, but for me its the other way around
[Edited on 21-01-2008 by antnee]
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James_DT
Member
Registered: 9th Apr 04
Location: Cambridgeshire
User status: Offline
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quote:
Originally posted by antnee
Well Ive done some quotes and they have come out as more than it would be for me on a full licence, Ive limited milage to 1000 on the provisional quotes
My insurance was the same before as after I passed, not a penny more and not a penny less. And I was allowed the full 12,000 miles.
Direct Line were the cheapest for me by miles.
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Ste L
Member
Registered: 3rd Jul 06
Location: Manchester Drives: 106 16v Rallye
User status: Offline
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quote:
Originally posted by James_DT
My insurance was the same before as after I passed, not a penny more and not a penny less. And I was allowed the full 12,000 miles.
Direct Line were the cheapest for me by miles.
mine too, and i was with direct line too 
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Phi
Member
Registered: 8th Jan 07
Location: South
User status: Offline
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id suggest getting your own insurance, just purely to build up your NCB etc...
I went with a broker who gotmy policy with Fortis, as i had Provisional when i insured mine
Broker: Geoffrey simmons http://www.thegsigroup.co.uk/products.asp?prodid=1#1
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Phi
Member
Registered: 8th Jan 07
Location: South
User status: Offline
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oh and no it didnt go up or cheaper for me when i passed my test , but it was 8 months into the policy. Best thing to do is write down list of questions before you call them.
[Edited on 21-01-2008 by Corsa_phi]
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antnee
Member
Registered: 30th Dec 07
Location: Cov Drives: Clio 197
User status: Offline
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Just rung Direct Line, they won't quote me on a 1.4 Sport, but its £1905 for a 1.4 GLS, £1711 with online discount!
soo maybe not then, Unless my dad or brother will go down as main driver with me as a named driver, but they both have cinvictions 
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Phi
Member
Registered: 8th Jan 07
Location: South
User status: Offline
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try the link i posted before, i had 1.4 sport btw.
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antnee
Member
Registered: 30th Dec 07
Location: Cov Drives: Clio 197
User status: Offline
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quick question while im here, on parkers, they say a 1.4 GLS is 10.2secs to 60 and the sport is 10.5, is that correct? or could the sport be to 62mph?
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Phi
Member
Registered: 8th Jan 07
Location: South
User status: Offline
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call them Tommorow*
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James_DT
Member
Registered: 9th Apr 04
Location: Cambridgeshire
User status: Offline
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quote:
Originally posted by antnee
Just rung Direct Line, they won't quote me on a 1.4 Sport, but its £1905 for a 1.4 GLS, £1711 with online discount!
soo maybe not then, Unless my dad or brother will go down as main driver with me as a named driver, but they both have cinvictions
With Direct Line, you'll still earn NCB as a named driver.
edit: As long as you stick with Direct Line when you become the policy holder.
[Edited on 21-01-2008 by James_DT]
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Ste L
Member
Registered: 3rd Jul 06
Location: Manchester Drives: 106 16v Rallye
User status: Offline
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quote:
Originally posted by James_DT
edit: As long as you stick with Direct Line when you become the policy holder.
only thing with that, is other insurance compaines might not accept it as ncb
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James_DT
Member
Registered: 9th Apr 04
Location: Cambridgeshire
User status: Offline
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Indeed. Doesn't bother me, they've been consistently the cheapest for the last 4 years anyway.
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ali_corsa
Member
Registered: 30th Jun 07
Location: Tamworth Drives: Focus st
User status: Offline
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i brought a car before i passed my test had my own policy had no one else as a named driver, i just informed them when i passed my test to change it over to full uk it didnt cost me any more or less and i didnt have to pay anything to change it either
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