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+--- Thread: insurance for a learner. (/thread-1263.html)
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RE: insurance for a learner. - Rhubarb - 05-13-2010
Ah,
at 17 you can apply for a provisional licence, which allows you to have lessons to drive a car and or a motorbike. At 16, kids can apply to ride a scooter (50cc) which Philip did and then used the provisional option to take a full bike licence.
He wasn't at all interested in driving a car, until his Company suggested he should for future projects he may have to go to. He goes to Bristol in the summer.
The licence covers individual vehicles, but only if you have taken the appropriate test. It has a section that lists those the holder has taken.
So I have a driving licence but can only ride a 50cc on a provisional (L-plate) but since I've taken my CBT test so I can ride a 125cc (or a 500cc with supervision). I can't ride anything else.
Mark has all the lot, except the HGV (juggernaut) but can drive a truck along with car and any motorbike.
Philip took the motorbike test at 17 but because of his age was limited to 35bhp on any bike he rode for the first 2 years. Now he is 20 he also can ride any size bike, no restrictions (other than the insurance premiums preventing him). He can drive a car on a provisional with some one who is either a teacher or has a driving licence for more than 3 years.
We have got a new quote for him to drive the Fiat today, but we have to double check if it can be added to the Renualt or separate.
The first quote was £27,000 by the way........
Philip's friend has a son who is about to become 17 and was quoted £16,000 to drive his Range Rover (which is quite old now)
The £3,000 was a quote to allow Philip to drive on the very basic cover (which only cover anyone he may have an accident with and it turns out to be his fault- we cannot counter sue if it wasn't)
£600 was the quote we expected.
Philip says his friend drive a 20 year old car (full licence) and pays £1800 a year. The car is worth £450.
RE: insurance for a learner. - Twitchin Kitten - 05-13-2010
That is INSANE! I complain that I'm getting robbed at $1600 / year for full comprehensive coverage! I can't even fathom paying (the converted rate) of $39,389.70 USD! How the hell can you afford that?
RE: insurance for a learner. - Rhubarb - 05-16-2010
That's the point, they Don't want to insure him on the car, so they come up with a stupid figure.
Any how........we were at the Auto-jumble this weekend and there are companies offering quotes, so Mark went in search.
Just before we go ahead he is going to read the SMALL PRINT and we may end up getting something after all. The best so far is £400 on the basis of joining it up with the Renault 4 (which he then can't drive) until that needs renewing at the end of the year.
Grandad has paid for his next test as a gift (he wants him to pass so he can help with ferrying Granny places). 13th July- 2 days before his 21st.