Soldato
Think it costs me more to have my mum on mine too.
Having your Mum as a driver on insurance?
- Thread starter mattyprice4004
- Start date
Soldato
Reverse fronting?
Soldato
My grandmother is on mine. Not that she'd ever drive it
S'alright for some. I tried adding my dad to quotes, but Bell won't insure anyone over the age of 75.
Soldato
My results
I've been doing insurance quotes for me on a 2002 Saxo VTR I'm thinking of getting.
Me = 18yo male passed 6 months ago.
Dad = ~50 driving forever no points
Mum = ~50 driving forever no points.
Just me:
TPFT: £2247.15 (Quinn Direct through Money Supermarket)
Comprehensive: £3232.69 (Insure Your Motor through Money Supermarket)
Me, with mum:
TPFT: £2016.45 (Admiral through Confused)
Comprehensive: £2324.10 (Admiral through Confused)
Me, with dad:
TPFT: £2143.50 (Admiral through Confused)
Comprehensive: £2571.90 (Admiral through Confused)
Me, with mum and dad:
TPFT: £1916.70 (Admiral through Confused)
Comprehensive: £2185.50 (Admiral through Confused)
That's the results of going through all those combinations on all the comparison sites and lots of insurers directly. It was rather long and boring! But I reckon a quote of £1916.70 isn't too hideous...
I've been doing insurance quotes for me on a 2002 Saxo VTR I'm thinking of getting.
Me = 18yo male passed 6 months ago.
Dad = ~50 driving forever no points
Mum = ~50 driving forever no points.
Just me:
TPFT: £2247.15 (Quinn Direct through Money Supermarket)
Comprehensive: £3232.69 (Insure Your Motor through Money Supermarket)
Me, with mum:
TPFT: £2016.45 (Admiral through Confused)
Comprehensive: £2324.10 (Admiral through Confused)
Me, with dad:
TPFT: £2143.50 (Admiral through Confused)
Comprehensive: £2571.90 (Admiral through Confused)
Me, with mum and dad:
TPFT: £1916.70 (Admiral through Confused)
Comprehensive: £2185.50 (Admiral through Confused)
That's the results of going through all those combinations on all the comparison sites and lots of insurers directly. It was rather long and boring! But I reckon a quote of £1916.70 isn't too hideous...
Soldato
It's pretty hideous. That Saxo is a high risk car (or so that's how the insurers see it)
Why don't you look at something else. Focus or a Fiesta??
Soldato
I did look at the Fiesta 1.25, but I don't *need* my own car yet, and I like the boyracer'ness of the VTR.
Also I might be getting a good deal on one - grandparents have had one since brand new, and are getting rid of it as they've got a brand new golf on order 
One intersting stat I found by doing all the quotes, fast forwarding it 6 months to me having a license for a year but still 0 no claims or anything and it drops to:
Me after 1 year, with mum and dad:
TPFT: £1011.60 (Admiral through Confused)
Comprehensive: £1108.20 (Admiral through Confused)
Which is a lot more like it!
I think i saved something like £400 when i first started out (Fiesta 1.25) that was with mum on the policy, a few cars later and she's saved me a good few hundred quid.
Can't do that really anymore as i don't live at home, GF is on the policy which still gave me a saving, but not a lot.
Can't do that really anymore as i don't live at home, GF is on the policy which still gave me a saving, but not a lot.
Adding both parents to my insurance policy reduced my premium by about £350. My father had an accident in his own car so when I last renewed I just added my mother, which reduced the premium by approx. £200.
So for me it was a great saving, with the added bonus that they could drive my car if need be (although, thinking about it... that is a terrible thing).
What is the reasoning behind the saving? I'm sure Merlin will be along shortly to answer. I assume it is because they assume that the named drivers on the policy will be driving the car for x% of the time. Still doesn't make financial sense for the insurance companies though, surely?
So for me it was a great saving, with the added bonus that they could drive my car if need be (although, thinking about it... that is a terrible thing).
What is the reasoning behind the saving? I'm sure Merlin will be along shortly to answer. I assume it is because they assume that the named drivers on the policy will be driving the car for x% of the time. Still doesn't make financial sense for the insurance companies though, surely?
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Soldato
Because most 18yr olds with Saxo VTR's generally don't make it to their second year of insurance!
Soldato
My mum took about £200 off mine originally, she lived 200 miles away!
They didn't ask were she lived......
They didn't ask were she lived......
Soldato
Exactly the same for me too. Adding my mum actually increased the premium, despite the fact she has 9million years NCB. Very odd.
Adding my mother who is not licenced to drive a manual car puts my insurance down by about £100 with mainstream insurers (classic ones don't care, it seems). Funny, seeing as she isn't actually able to drive the car
Then you're not allowed to insure her on it
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