Just out of curiosity, has anyone got any expierience in insuring their child on their discovery.
Only reason i ask is that it's my 17th on wednesday and at the moment have no car in which to go out with my dad in to have a practice. Ive had a quick look at trying to insure me as provisional on the D4 but i dont have a spare 11k to spend on insuring it, as money supermarket suggest it will cost .
Like i say it's just on the off chance anyone has any ideas but any help would be greatly appreciated
But bad news - my son is 28 and has only now passed his test. Not only can he not get insurance for my Discovery until he is 30, he is either refused or quoted really silly premiums for small cars.
The first issue is simply age - the second experience. The young and inexperienced get clobbered twice.
One way that may be available is to buy a car from a dealer who includes "1 years free insurance" in the price. Another is to take a job that requires you to drive a company (or lease) car. Or join the cadets/TA. After a year claim-free you have some proof to argue with insurers.
But first you have to pass the test. Even driving on private ground where RTA insurance is not required still needs some public liability cover to be safe. Some garages hire out dual-control cars for the specific purpose of learner drivers, and insurance can be included in the hourly rate. If the experienced driver gives time free it's cheaper than lessons. This is good for practice once you have had lessons from a professional instructor and you know what it is you are supposed to be practising.
Hope you pass soon!A vaccine does not stop you catching a virus, or passing it on, or getting ill from it, really ill. It does reduce the likelyhood of you dying when really, really ill. Stay Alive - KEEP AWAY FROM PEOPLE.
Its a bit of a shame i wont beable 2 insure a D4 for a while to be honest
Anyhow, thanks for the tips
No doubt i'll be needing to join a disco 2 forum to aid me when i get my first taste of a Discovery
Jonathan
5th Apr 2010 9:59 pm
DaveT
Member Since: 01 Aug 2005
Location: Cornwall
Posts: 2576
I tried confused dot com a few days ago to insure my 17yr old daughter to drive my D3 on provisional, got quotes from £915 to £13k. Without her on policy the renewal was £325.Long succession of Disco's since 2001...
SIII Lightweight - neglected & rusting. Bulkhead, A panels, vent panel & outriggers now disintegrated - Next years project!
You cant remeber the name of the comapany who quote £915 could you?
I kept getting mad quotes from some companies and other that just said i was uninsurable
Jonathan
5th Apr 2010 10:27 pm
DaveT
Member Since: 01 Aug 2005
Location: Cornwall
Posts: 2576
Jonathan,
Quote was from Bell (part of Admiral). Hate to say, but being male may make the premium higher than for a female 17yr old.
Good luck with trying to get behind the wheel of the d4 - i was actually looking for a nice high premium to prevent me having to let daughter drive it Long succession of Disco's since 2001...
SIII Lightweight - neglected & rusting. Bulkhead, A panels, vent panel & outriggers now disintegrated - Next years project!
Yeah i've come to understand that male insurance is higher than female but if i can insure the D4 for anything less than 1500 a year its better than what ive been turning up on the comparison websites .
Jonathan
5th Apr 2010 10:48 pm
mik
Member Since: 08 Feb 2010
Location: Skoatland
Posts: 912
I'd recommend learning in a manual.
Forget driving something nice until you are a bit older - it's simply not worth the exhorbitant premiums. (I'm not suggesting manuals aren't nice - I love manuals (except in wafters and 2.5+ tonne 4x4s) ~ learn to Heal & Toe!
5th Apr 2010 11:22 pm
Gareth Site Moderator
Member Since: 07 Dec 2004
Location: Bramhall
Posts: 26774
My eldest sons have both now passed their test. I have a D3 and my wife a Mini Cooper S convertible. No insurance company would touch us allowing our offspring to learn in either car.
So, I bough a Fiat Punto for £2000 and insured it for me, plus sons for £1600. So, for £3600 I had a car that both sons could drive, and I could use occasionaly. My sons are now living away in full time education, so I am the now main driver. The renewal is up in June and I suspect that unless they can find jobs to supplement the cost, the Punto will be for sale.
There is no doubt about it, the insurance companies do not want the business of young male drivers.
There is no doubt about it, the insurance companies do not want the business of young male drivers.
It is not the business they don't want - but the claims. Historically, that group of people have much higher, and more expensive, claims than other groups - so the premiums charged are proportionally higher. The only way out is to prove one is neither young nor inexperienced - and that takes time (and money).A vaccine does not stop you catching a virus, or passing it on, or getting ill from it, really ill. It does reduce the likelyhood of you dying when really, really ill. Stay Alive - KEEP AWAY FROM PEOPLE.
6th Apr 2010 8:55 am
al cope
Member Since: 08 Nov 2005
Location: Oldbury, WM
Posts: 10352
had a laugh when for "fun" I checked what it was to add my 18yr son to my D3 policy just after he'd passed his test (18months ago) - that'll be another 3 grand sir - like hell it will.
I brought a Pug 206 1.1 Look for 1750, registered and insured in my 17yr daughters name (so that she could learn to drive), added my son (now 19 and full lic for 1 yr, been driving on his moms policy as a named driver whilst he learnt to drive) - TPFT was 1300 quid with direct line. If I'd put the lad first and daughter second, it was over 2 grand. This way round is correct for us, as daughter is the main driver, son just drives it on the odd times he's home from uni.
Comparison sites were crap, get on the phone directly.
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6th Apr 2010 10:17 am
CY
Member Since: 16 Aug 2005
Location: Warwickshire
Posts: 4506
A lot of companies won't insure 'young drivers' on anything over 2 litres, and some (eg. Direct Line) have a blanket rule of no young drivers on 4x4s. I suspect a smaller car with a manual would be better (or, cheaper) to learn in.
Sometimes it is better to go direct and ignore the comparison websites. Direct Line charge me £500 less than the cheapest comparison quote on a our new 2l Laguna Estate.2007 Porsche Boxster (987) 2.7
2008 Discovery 3 TDV6 HSE G4 Challenge (1 of 68)
2023 Defender 90 D250 X-Dynamic HSE
I agree about "forget the comparison sites". They are all producing quotes based on a set of rules for the computer. Best to get an independent insurance broker on the job to get things tailored to your circumstances. This is a situation where the middle-man is worth his cut.
You might also like to try your local NFU agent. You will get details in Yellow Pages. They are the most "sensible" insurer I have ever encountered.A vaccine does not stop you catching a virus, or passing it on, or getting ill from it, really ill. It does reduce the likelyhood of you dying when really, really ill. Stay Alive - KEEP AWAY FROM PEOPLE.
6th Apr 2010 10:38 am
heapster
Member Since: 21 Sep 2007
Location: Sussex
Posts: 257
It costs insurance companies (and sub-brokers) about £40 per referral on aggregator sites so you can shave that off by going direct for a start. Use the sites to get an idea of who is in the market then ring them up for a proper quote.
Try stuff like an atronomical excess to get the initial premium down - it effectively puts some of the "fully comp" element of the policy back on you. A decent broker will find a good specialist carrier for this kind of risk so have a go with someone like Flux or Footman James.
6th Apr 2010 10:56 am
SN
Member Since: 03 Jan 2006
Location: Romiley
Posts: 13710
jonathanj5 wrote:
... if i can insure the D4 for anything less than 1500 a year ...
I'm sorry but you're in cloud cuckoo land - buy yourself a 'first car' (read: banger) and insure that (for about £1500 IF you are lucky)Steve N | 21MY Defender | 08MY Discovery 3 (history) | 06MY Discovery 3 (ancient history)
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