A couple of weeks after passing her test my daughter had a crash which led to my wife’s car being written off. Technically her fault in the eyes of insurance companies.

Her current insurers now want 4k to renew – so has anyone got experience of brokers who deal with this sort of thing.

We know she’s in for a hit, but 4k! 😱

Policy that allows her to be a named driver with your or your wife as main person but allows her to gain some NCB.

I had a policy with Admiral many many years ago, I was named driver on my Bro’s car and they allowed me to have “Admiral NCB” (NCB only worked with Admiral didn’t work with other companies) so after a few years I transferred to a Admiral policy of my own and it was more affordable as I has some NCB I could use. The year after that the NCB counted as normal NCB I could use for any insurance company as per normal.

Her current insurers now want 4k to renew – so has anyone got experience of brokers who deal with this sort of thing.

The boy racers round here used to always use Adrian Flux so I assume they may cater for that market.

Depending how much she uses the car it may be cheaper to use one of the ‘day insurance’ companies, assuming you can legitimately insure the car in your own name for the rest of the time. She won’t gain no-claims but she will be older and longer since the last accident (hopefully) when she comes to take a policy of her own.

We know she’s in for a hit, but 4k!

Actually, when you consider the potential costs of a payout – it’s remarkable it’s that cheap!

Edit: talking balls, and where has the delete button gone?

Technically her fault in the eyes of insurance companies.

AKA it was her fault

Day insurance isn’t an option, she’s doing 10k a year commuting for her apprenticeship.

The wife was on it today so I’ll see if she sorted anything when she gets home, if not we’ll try Adrian Flux.

AKA it was her fault

You’ve managed to access all the related files and visited the site of the accident then? Well done.

We know she’s in for a hit, but 4k! 😱

That’s steep … 😱

That cost more than the value of my car!

Technically her fault in the eyes of insurance companies.

AKA her fault

That cost more than the value of my car!

My first car insurance in 1983 cost more than the car, nothing new.

Car – £100
Insurance – £270

Elephant. Thank me later…

I’m actually thinking ‘that’s less than I would have thought’…. We’re at £1300 without any bumps with a couple of new drivers.

Worth a broker such as Flux, but at the end of the day that may just be the cost for the next few years…. 🙁

Hastings Direct weren’t too bad after my lad wrote his car off.
Wasn’t in his first year of driving though, 4k is probably proprtional.
A company we used early on was called A Choice

Try Elephant. They are a subsidiary of Admiral and specialise in younger drivers.

Meerkat?

A black box might help. Some may insist on it.

Day insurance isn’t an option, she’s doing 10k a year commuting for her apprenticeship

Turns out i wasn’t entirely talking balls – unless your wife is also smashing in the miles, your daughter should be the main driver. Her as main + 16,000 miles a year (conservative estimate for commuting + pleasure + wifes mileage) + fault claim and it’s gonna sting for a good while. I assume you’ve already got a black box?

She is the main driver, we are both named drivers – it’s been her policy on her own car from day 1 – no black box.

She was a named driver on my wife’s car when the crash happened as I had taken my daughters car to the garage to have some work done.

Still working on it! 🙂

How did she crash

So you’re daughter has her own policy on her car and had the accident whilst driving you’re wife’s car on your wife’s insurance?

If this is right, I assume you’re daughter has a years ncb on her own motor policy to apply to the renewal and quotes? Just making sure you’re not putting zero no claims due to the accident.

So you’re daughter has her own policy on her car and had the accident whilst driving you’re wife’s car on your wife’s insurance?

If this is right, I assume you’re daughter has a years ncb on her own motor policy to apply to the renewal and quotes? Just making sure you’re not putting zero no claims due to the accident.

Basically! 🙂

Trying to get this across to the numpties at Admiral is proving tricky though.

I’m actually thinking ‘that’s less than I would have thought’…. We’re at £1300 without any bumps with a couple of new drivers.

This. There was a period when I had 15+ years ncb having only ever made one claim, which was a true entirely the other drivers fault, where I had to do a lot of searching each year to get a quote much below £800 for a Golf Gti.
OP needs to accept that their daughter is considered a huge insurance risk having had a write off in the first year of driving. I’m actually quite surprised that ‘standard’ insurers have even offered quotes.

Are you still trying to include your wife as a named driver? I had an accident as a named driver in my dad’s car and declaring that I’d had an accident and he’d had a claim made my premiums rocket – it seemed to be treated as two separate incidents whereas my accident and his claim was one incident. I just dropped him from my policy.

Your daughter should still be entitled to one year’s NCD on her policy as she’s not made a claim on it. BUT remember it’s just a discount over their standard rates – she’s young, inexperienced, had a prang, written a car off, so their standard rate will be £ **** huge.

One year discounts are normally c.20-30%. The reason why admiral have offered renewal is probably because there’s a market agreement that they will offer cover at renewal (same thing for drink drivers, once they have served their ban, the original insurer is supposed to offer cover. It doesn’t have to be cheap!).

I don’t know of any specialists who might be good for this but I’ll keep my ears open and post up.

I’d strongly suggest you think about the black box route as mentioned above. It’s time to ring around and see who’ll cover her 🙄

Result! £1029 with LV on a multi-car deal. Policy still in my daughters name.

I’d strongly suggest you think about the black box route as mentioned above. It’s time to ring around and see who’ll cover her 🙄

It should have been time for her to do the ringing around. I’m confused by the number of people who are old enough and responsible enough to drive but unable to do the admin! Fine if daddy wants to pay – but why do the pain in the ass bit too.

It should have been time for her to do the ringing around. I’m confused by the number of people who are old enough and responsible enough to drive but unable to do the admin! Fine if daddy wants to pay – but why do the pain in the ass bit too.

Because my wife works in insurance (not general motor though), so why have a dog and bark yerself! 🙂

Normally we would, but this is a complex situation so needs a bit of knowledge to make sure we get proper cover.

As for wiping her arse – she quit A-levels last Sept, sorted an apprenticeship out herself and lives away now doing 12hr days 6 days a week on a stable yard. She sorts most of her own shit out (and shovels a lot too!). 🙂

At 18 I was paying nearly £2k for a mk3 Escort 20 years ago! By that point I crashed and written off more than one car. £1k seems a good price and hopefully there is no further bumps.

If she’s living away from home and is still managing 10k miles a year, she needs to move her accommodation closer to the job!

Surprised multicar cover works at different residential addresses. Did not know that.

Result! £1029 with LV on a multi-car deal. Policy still in my daughters name.

Snatch their hands off now! Can you take a three year policy with them?

I’m confused by the number of people who are old enough and responsible enough to drive but unable to do the admin!

Yeah, money issues and the conning bastards that are insurance companies – let your offspring learn the hard way eh? Twonk.

That sounds like a deal! My daughter was learning and was a named driver on my insurance. It went up from £300 to £1400 when she passed, this was on a Panda so nothing exciting either. She’s no longer a named driver! Will shop around on renewal though.

Surprised multicar cover works at different residential addresses. Did not know that.

Multi car insurance is a convenient way to insure up to six cars registered to the same address on a single policy.

I’m still confused about what on Earth is going on with his/her/Mum’s policy/policies

That sounds pretty typical for a first year driver fooman. When my daughter passed a few years ago, we found it was cheaper for her to have the policy with me and her mum as named drivers rather then the other way round.

Just over a grand for someone who’s had an accident in their first year, sounds like a dream come true, is there limitations, i.e. black box, curfew, mileage, just seems too good to be true?

I’m confused by the number of people who are old enough and responsible enough to drive but unable to do the admin!

Yeah, money issues and the conning bastards that are insurance companies – let your offspring learn the hard way eh? Twonk.

My lad managed it, somehow.

Yeah, money issues and the conning bastards that are insurance companies – let your offspring learn the hard way eh? Twonk.

One of the most regulated industries are conning bastards out to trick 18 yr olds into taking out bad policies? I’m not suggesting they can’t come to you for advice, to check something, or possibly even to pay (when you can check all the details). Did you learn the hard way? Did your dad do it for you? Did his dad do it for him? When did this become a complicated thing?

Because my wife works in insurance (not general motor though), so why have a dog and bark yerself! 🙂

Eh, so her mum is in insurance, so instead of doing it herself her dad is asking for insurance advice on a mountain bike forum! She crashed the car, that makes affordable insurance hard to find – what you are teaching her is dad will spend his valuable time sorting her mess to save her money. It’s great that she’s taking responsibility for some of her life; when will you handover this part to her too?

Quite glad we have a company car now (or rather the wife does), virtually zero paperwork to sort out for it. Everything is just taken care of and a fully taxed and insured car just appears outside the house.

Think my first insurance premium was £500 ish in ’93 IIRC (didn’t drive till I was in my 20s).

It’s great that she’s taking responsibility for some of her life; when will you handover this part to her too?

Read my reply from earlier!…

As for wiping her arse – she quit A-levels last Sept, sorted an apprenticeship out herself and lives away now doing 12hr days 6 days a week on a stable yard. She sorts most of her own shit out (and shovels a lot too!). 🙂

…it’ll be her job next year. This one needed more experience to sort, or risk bad cover or massive cost.

Eh, so her mum is in insurance, so instead of doing it herself her dad is asking for insurance advice on a mountain bike forum!

And I was asking on here as it’s the font of all knowledge and someone is bound to have experience of it. Insurance is massive industry, my wife deals in commercial insurance and doesn’t do cars (hasn’t done fo years), and the company she works for won’t even touch young drivers, never mind ones who’ve had a crash.