Car insurance for 19year old son

[mumstheword1]

My 19yr old son has just passed his driving test and is looking for insurance. Is it better to get him insurance in his own right, although the quotes are obscene and build up his no claims or add him on to ours and then when he is older then get his own. Opinions please.

[redcrx]

has he got his own car? if he has then he has to have own insurance,though it may bring the price down if he adds you as a second driver.
If he is using your car then he has to go on your insurance, he cant have his own policy

[Hopkirk]

Does he need insurance for the whole year? EG if he is a university student he might only need cover in the holidays.

My 17 year old can be named on my policy for up to 90 days in the year at a reasonable cost. It was arranged through Swinton - give them a ring and discuss the options.

[mumstheword1]

Well if he is getting his own insurance he will get his own car as the cost of the car is not an issue but otherwise he will go on ours. But is it worth him getting his own to build his no claims up?

[Hopkirk]

I think you will be shocked when you see the premium for insuring his own.

[Hopkirk]

Ignore that - you already have seen them

[redcrx]

why not call an insurance broker (adrian flux is one i'd recommend) with details of the sort of car he is looking for and get current price and then ask how it may change with 1/2/or 3 years NCB.
insurance costs are based on so many factors than only an insurance company can give you the figures to work out what is cheapest option

[mumstheword1]

Thank you

[dennisb66]

I understand that the Co-op have brought out a special insurance for young drivers,I believe they fit a smart box in the car to monitor the driving.Have no idea how it works.

[Buenchico]

This post largely reiterates what Redcrx has said, but it's important, so I'll post anyway:

If your son has a car for his sole use (or for which he's the principal driver) he must have an insurance policy in his own name. (It's irrelevant as to whether he actually owns the car or whether he's the registered keeper of it). He can't be covered as an 'additional driver' on your own policy. Attempting to get insurance cover for him, via that route, is called 'fronting' by the insurance companies but the charge which would be read out in court (potentially leading to a lengthy prison sentence) would be 'fraud by false representation'.

As Redcrx has indicated, adding a more experienced driver (such as yourself) onto his OWN policy (as a 'named driver') can result in a significant reduction in the premium.

He should also check out all types of insurance for his car, as 'fully comprehensive' can sometimes be cheaper than 'third party, fire & theft' or just 'third party'.

He should also try to get a car in as low an insurance group as possible:
http://www.parkers.co.uk/insurance/#ig=0

Pass Plus could also help your son reduce his insurance premium:
http://www.direct.gov...iedDrivers/DG_4022426

Chris

[sophie_1003]

If he is a student try Endsleigh, they were the cheapest insurer for me becuase they were set up initially for students (although am older and have been driving for 3 years)