Category C Car Insurance

[sinderella]

My sister is thinking of buying a category c car to teach her son too drive in
It's cheap and got a few minor battle scars.
I.e. too costly to repair
It's on her insurance with him as named driver
Do you think there will be complications on costs?
Also any other advice from people in the game
Not keyboard warriors with irrelevant opinions
Tia

[EDDIE51]

Only that as it is on her insurance ,rather than on his own policy he is not going to build up any no claims bonus of his own ! It may be just as cheap to get him a '3rd party only' policy of his own ! Sometimes called 'Road Traffic Act Cover' That is how I started with my first car , which cost me all of £5 in 1969 !! The insurance was still 10x the price of the car at £50 ! (I drove that £5 car for 3 years and then sold it as spare parts for £30 ! Happy Days !)

[douglas9401]

As long as the car's road legal it'll all be fine.

Best to ignore advice from the last century.

[douglas9401]

https://www.cii.co.uk/learning/knowledge-services/reference-resources/classes-of-insurance/personal-motor/

[Mamyalynne]

It may be mentioned in the above link, but just in case.

The Categories were changed in 2017 though the descriptions remain largely the same.

https://www.admiral.com/magazine/guides/motor/what-are-category-c-and-category-d-cars

[ToraToraTora]

NP with that, good idea to use a cheap Cat C. Just be careful that he does not become the main driver or you could be in trouble for fronting. Eddie is correct regarding insurance NCB build up though but that can be tackled another way.

[Calicogirl]

My last car before this one was a little 2 year old insurance write off (as they were). My Dad was in the Trade amongst other things for a long time and the vast majority of cars our family has are such because they're such good value, and as detailed above no, no insurance issues, except that someone hit me in my repaired little car and my insurance then wrote it off (again) but deducted a % from market value because it was a previous total loss, so instead of getting around £8k for it I got £6800 I think in terms of payout. x