Yes it will be expensive.

No you cannot ‘front’, you need to be accurate with who main user is, who owns car etc. Adding people is fine, and it does brong cost down, so do consider adding extra drivers such as others in wider family.

Be careful with which car you have – IME, insurance group is combined with how ‘boy racer’ a car is perceived as driver and for theft.

Expect £1k+ for a cheap car in low crime area with two claim and point free drivers as well as newbie, and go up from there.

Admiral give NCB to named drivers on multi car. My son bought a van and immediately had two years NCB…

To add – we had a ‘one strike and you’re off the insurance’ rule. That is any accident, any neighbour complaints, any incident that risked the car and our NCB.

And we would have followed through on that. We watched friends who ‘helped’ kids with fronting, with replacing crashed cars for free, with not telling insurance of a written off car, keeping kids insured despite community and school complaints of speeding etc. Just say No.

It is daylight robbery

It reflects the cost of providing a lifetime of care if they **** up and leave someone paralysed. Dealt with too many of those cases back in the 90s.

Their own basic car with their own cover – with both parents as named drivers too.

It smarts but there’s no way round it.

We found a multi-car policy with LV best value. And we didn’t bother with black-box wasn’t much more without.

Their own basic car with their own cover – with both parents as named drivers too.

I thought paying for insurance was costly.

To buy another vehicle, plus VED, plus maintenance seems to me a very expensive decision.

I too found quotes without a black box the same cost as with. I trailed a ‘black box’ app and found real issues. For example:

– we have to use rural roads to get to work – goes against you/marked down

– we set off early for work – goes against you/marked down

– needing to accelerate to 70mph on a short slip road for safety – goes against you/marked down..

We do also find Admiral multi car much cheaper than individual policies.

I figured that the stats would say that you don’t get a lot of young lads crashing these

Good point to consider – my lads underpowered Fabia is around 50% cheaper than his mates similarly underpowered Corsa.

Anyone tried starting them off in a small van ? Transit Connect/equivalent ?

I wonder if the cost would be higher or lower.. Still got 18 months before he’s looking for a licence, but it’s a thought for him, he’d much prefer a van than a car.

Vans are usually more expensive. We’ve had some astronomical renewal quotes for an Aygo – son 23, daughter 20, with both me and wife on car. Fortunately Admiral (who we’ve been with two years) came back with a reasonable price (up 20%) – £1k, as daughter has just passed but will be a very occasional driver (doesn’t need car much).

It is daylight robbery

Government stats on young drivers.
https://www.gov.uk/government/statistics/reported-road-casualties-great-britain-older-and-younger-driver-factsheets-2021/reported-road-casualties-in-great-britain-younger-driver-factsheet-2021

How often will they drive?   Temporary “day” cover when they actually are going to use the car *may* work out cheaper if they will be occasional drivers and are about to go to Uni etc and not needing a car.  Of course if they are going to be using it every day/week then they’ll be higher risk like the 17 yr old who lives a few doors down the street and “somehow” managed to crash into two parked cars (parked sensibly off the road – where that have been in all the 17 years since she has lived there) just 50m after leaving her house – I’ll be surprised if the claim is less that £15K – might be more!

Our lad’s first car was/is a Volvo V50 1.6d. Only £35/year tax but we’ve had to do the clutch/DMF, turbo/oil feed and a few other bits.

He’s done a few modifications which we always declare (lowered, straight piped.

@colp – is your son living in Edinburgh with my son…? Housemate has V50 with stickers and mods….

Young SSS was £2600 for a brand new Ford Ka when he passed his test at 17 years and 5 months. His car, his own name with Mrs SSS and me as named drivers.
With one years NCB, the following year was £650.

How often will they drive?   Temporary “day” cover when they actually are going to use the car *may* work out cheaper

We went this route as they only really needed a car some weekends. It would have been a £1K to add them to insurance which buys a lot of temporary cover!

A year after passing test (and therefore also 18+) insurance was more reasonable so put them back on.

We used comparison sites to get quotes, and if you don’t want a black box Admiral usually comes up at a reasonable cost.

We’ve avoided the black box as the car does get used unsocial hours – son regularly borrows it to travel to motor racing events, so can but up at silly o-clock, and he’s been known to pop out in the middle of the night to rescue mates that have broken down. All four of us can drive the Aygo, but who want’s to be starting an app every time you get in. No thanks.

I used this and other thread https://singletrackworld.com/forum/topic/17-year-old-just-passed-test-who-to-insure-with/ in my recent quest. End result for 17 yr old daughter, Holmfirth West Yorkshire, parked on drive, learning for 7 months, passed yesterday, bought today. Fabia 1.0 60bhp was £1650 with a 0 excess (young driver excess for her of 295), she’s the policy holder and main driver, myself and my wife on the policy with Hastings using their app / black box with no curfew AND only for the main driver (her). Social + commuting.

Admiral Multicar (current car insurer whilst learning) wouldn’t touch, common PAYG policies not taking new business, Veygo whom she had learner cover wouldn’t touch. Cheapest non-telematics was 2100, cheapest me as policy holder her named was £1450 (as for fronting we’ll both be using the car frequently so it’ll be impossible to predict who uses it most). Go Compare and the meerkat thing seemed like the easiest to use and mash the numbers and it was Go Compare that found me the Hastings policy. It’s a minefield and very volatile though. I mistakenly had her pass date in as today and when I set it to yesterday it dropped £100!!

It’s like planning a wedding where you get de-sensitised to costs, but pleased that she has her own policy.

Posted on the other thread I think. Our youngest passed, aged 17 and 10 months, a few months back. He is just starting an apprenticeship in Glasgow and needs to drive daily to get there.

So we bought a base 1.0 23 plate Polo and the best deal we could get, after days of shopping around, was with Acorn, a telemetry box, him as policy holder and main driver and me as second named driver (late 50’s and clean license for 40 years)

£3800..

He is paying the car PCP and the insurance in full, adds up to about £600 a month, though still less than half his take home pay and he’s at home rent free, for now..

We looked at adding him onto his 21 yr old brothers 1.2 71 plate Corsa, which is on an Admiral Multicar policy and it was £5k extra on top of the current £2k per annum.