This has probably been covered a thousand times but here goes:

I have my own car with maximum no claims - my daughter is learning to drive (she is 17) and we have the opportunity to buy a cheap runaround but obviously this would need insuring too.

My question is what is really the best, cheapest and legal way of doing this?

I would be the registered keeper/owner and most probably the main driver as she is at college and cannot park there so I would be driving her there and back and also using it to ferry her and friends around so nobody has to drive when they go out on the town so she would be an occasional user (when she has passed her test of course!)

I understand that there are some insurers that will insure 2 or more cars on 1 policy - would this be cost effective?

Any advice would be most welcome.

As long as you are really the main driver, then you can have your daughter as a named driver. Once your daughter has passed her test, some insurance companies may be reluctant to believe that this is really the case if there's a claim. In that situation I'd try to get some proof first just to be sure although my first thought of proof (a speeding ticket in your name) may not be the best - any better ideas?

By all means get some quotes from companies offering "special deals" for two cars, for female drivers, for young drivers, etc. but in my experience such "special deals" are no more than a marketing ploy.

Hi

A friend of mine was knocked down by a car, the council had changed the direction of traffic flow on a familiar road . Friend looked the wrong way for oncoming traffic and stepped into path of car , Ambulance and Police called , in state of bewilderment friend admitted liability to Police. No prosecutions, police not now involved, minor injuries. Really driver should have noticed the pedestrian and taken a wide cautious birth. No other car or insurance co involved.

Car driver (Insurance company) is now claiming car damages on pedestrian ? do normal rules of not admitting liability apply here? ie deny any liability?

Thanks

The Office

The Office:

Hi

A friend of mine was knocked down by a car, the council had changed the direction of traffic flow on a familiar road . Friend looked the wrong way for oncoming traffic and stepped into path of car , Ambulance and Police called , in state of bewilderment friend admitted liability to Police. No prosecutions, police not now involved, minor injuries. Really driver should have noticed the pedestrian and taken a wide cautious birth. No other car or insurance co involved.

Car driver (Insurance company) is now claiming car damages on pedestrian ? do normal rules of not admitting liability apply here? ie deny any liability?

Thanks

The Office

If your friend has insurance that would cover this event, then yes there will be a rule to not admit liability. Your friend's house insurance may have an extension to cover this or she/he may have a personal liability policy?

Thanks very helpful

Giant:

This has probably been covered a thousand times but here goes:

I have my own car with maximum no claims - my daughter is learning to drive (she is 17) and we have the opportunity to buy a cheap runaround but obviously this would need insuring too.

My question is what is really the best, cheapest and legal way of doing this?

I would be the registered keeper/owner and most probably the main driver as she is at college and cannot park there so I would be driving her there and back and also using it to ferry her and friends around so nobody has to drive when they go out on the town so she would be an occasional user (when she has passed her test of course!)

I understand that there are some insurers that will insure 2 or more cars on 1 policy - would this be cost effective?

Any advice would be most welcome.

Admiral have a good deal, they have a lower rate deal for 2 cars in one household, also depending on the policy they will give you a years no claim for only 10 months of premium, and named drivers earn a NCD aswell i believe.

Why not buy yourself a VW Beetle, Morris Minor or similar classic car and then have her as a named driver, then give her the car when she is 20 and insurance is more affordable for her?

The beauty of an older car like that is they are cheap to buy, cheap to run (tax exempt for example) cheap and easy to fix and fun. Much better than some chavved up motor with tupperware all over it anyway!