My daughter passed her driving test just under 2 months ago.
Mother in Law has decided to give up driving and so gave (gifted) my daughter her car a 52 plate Nissan Almera which she and the father in law purchased new but hzave only done 32,000 miles in the 19 years or so they have owned it (father in law died 10 years ago)
So as a first car, perfect. I can't stand the thing, but as they say for a first car it is ideal and a second class drive is better than a first class walk and my daughter has nothing to compare it with other than my Mrs C-Max and previous instructors school cars.
Anyway, Mother in law added my daughter on to her insurance policy as a named driver up until November when the registration would be transferred to daughter, car would be taxed in daughters name and she had time to sort out her own insurance policy....
So, daughter starts searching around for her own insurance using the comparison websites and phoning one or 2 insurers directly. Bear in mind she is 30 years old, a Scientists and a female (which the insurers seem to favour) and for TPF&T she was getting quotes ranging between £980 and £3,500, and this is with her agreeing to have a black box fitted....
So out of interest I called our insurance company (the one that promotes a certain Royal Naval rank ) and said we have a multi policy, daughter lives at a different address but you are promoting multi cover for the family even though different addresses might be involved.
Yes was the answer, so I handed my daughter over to go through her details thinking they would come back with some really stupid exorbitant price.
10 minutes on the phone, deal done.
Still TPF&T but first premium? £510...
In August our policy is renewed and hers will become due as well so in effect 9 months cover, but providing she does not have a bang, they will give her a full 1 years no claims at the end of that 9 months which will also help reduce her premiums.
So in 10 minutes for the sake of a phone call she has saved nearly £500, and because we are policy holders, she was not required to pay a massive up front deposit as part of her premium.
So for once, I saw well done to an insurance company who have actually done something positive and helpful for once and actually saved us a lot of money.
So if you have young drivers in the family and premiums are through the roof, maybe worth considering if you have a multi policy with your insurers.
Worked for us, I am sure it could work for others....
Mother in Law has decided to give up driving and so gave (gifted) my daughter her car a 52 plate Nissan Almera which she and the father in law purchased new but hzave only done 32,000 miles in the 19 years or so they have owned it (father in law died 10 years ago)
So as a first car, perfect. I can't stand the thing, but as they say for a first car it is ideal and a second class drive is better than a first class walk and my daughter has nothing to compare it with other than my Mrs C-Max and previous instructors school cars.
Anyway, Mother in law added my daughter on to her insurance policy as a named driver up until November when the registration would be transferred to daughter, car would be taxed in daughters name and she had time to sort out her own insurance policy....
So, daughter starts searching around for her own insurance using the comparison websites and phoning one or 2 insurers directly. Bear in mind she is 30 years old, a Scientists and a female (which the insurers seem to favour) and for TPF&T she was getting quotes ranging between £980 and £3,500, and this is with her agreeing to have a black box fitted....
So out of interest I called our insurance company (the one that promotes a certain Royal Naval rank ) and said we have a multi policy, daughter lives at a different address but you are promoting multi cover for the family even though different addresses might be involved.
Yes was the answer, so I handed my daughter over to go through her details thinking they would come back with some really stupid exorbitant price.
10 minutes on the phone, deal done.
Still TPF&T but first premium? £510...
In August our policy is renewed and hers will become due as well so in effect 9 months cover, but providing she does not have a bang, they will give her a full 1 years no claims at the end of that 9 months which will also help reduce her premiums.
So in 10 minutes for the sake of a phone call she has saved nearly £500, and because we are policy holders, she was not required to pay a massive up front deposit as part of her premium.
So for once, I saw well done to an insurance company who have actually done something positive and helpful for once and actually saved us a lot of money.
So if you have young drivers in the family and premiums are through the roof, maybe worth considering if you have a multi policy with your insurers.
Worked for us, I am sure it could work for others....