Best Car Insurance For Young Drivers

Questions and Answers

Your Questions About Cheapest Cars To Insure For Young Drivers Uk

May 3, 2012

Daniel asks…

Insuring 2 cars? Can I insure two cars with one named driver?

I want to insure 2 cars in my name, I have 9+ yrs no claims bonus (I’m in the UK) I would have one named driver and want my no claims protected. Can I do this if both cars are registered as mine?

The other person has only 4 yrs no claims and is much younger than me with less driving experience so I’m just trying to work out the cheapest way to get both cars covered. Any insurance company suggestions that may do this would be helpful. I’d be looking for fully comp insurance.
Thanks

Administrator answers:

The 9 years NCB you have can only be used on one vehicle and so the second one would start from scratch.
This means that there is no point to your suggestion.
Additionally the 4 years NCB the other person has built up will be lost if they have a break in being a policyholder.
Being a fraudulent main driver on a car policy is fraud and is known as fronting – most often attempted by teenagers and there parents but none the less at any age it is still fraud
See here http://news.bbc.co.uk/1/hi/programmes/moneybox/7052569.stm

If the younger person is a spouse then it may well be good to talk to your own insurers as they might give a substantial second car discount.

Lisa asks…

Any insurance companies offer a no claims bonus even if I haven’t been the policy holder?

I have been driving for five years now since I was 18.

Throughout the five years I’ve been insured on my parent’s policy, as it was obviously cheaper than a young, male first time driver etc getting his own.

However, I’ve now finished Uni and am being thrown out of the nest to fend for myself – including getting my own car insurance.

Are there any UK insurance companies which would take into account that I have been driving for 5 years accident/claim free, despite the fact I haven’t been the policy owner in that time?

Administrator answers:

You should start by contacting your parents insurance co. = they know your details and claim free years ..

Other that this, about the only way to do it is via a specialist high street ‘insurance broker’(who would need to see your parents previous policies to show you as a named driver and current renewal to show no accidents)

It is quite possible that insurance via a broker (with 5 years NCD) will end up more expensive that the best deal you can get on the Inertnet with zero NCD.

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