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I'm 17 and have just passed my driving test.....?
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I'm 17 and have just passed my driving test.....?

my dad is 35 years old, holding full licence for 16 years up until now.
now, what i am not quite sure is should i get joined insurance with him or should i have my car insurance under his policy alone.
which one would it be cheaper and best option for me?

P.S i know i am not going to to have my own policy. it will cost me a fortune for just paying car insurance. therefore i would not go with that option :)


    




MANCHESTER UK
If your Father is happy to include you as a 'named driver' the premium (in UK) would be far lower than if you obtained your own..
Don't let your Dad down.
Remember, the story starts here and even at 66 years of age, I still treat every other driver as my equal but realise I will never be right all the time.


JillPinky
Rating
There are some insurance policies out now which allow a named driver on another person's insurance to accumulate no claims discount. If I were a new young driver I would certainly be looking into this option. Congratulations on passing your driving test. (U.K.)


MK <><
Rating
Congrats...Dont drink nd drive


wheresthevowels
Rating
Congratulations!! When my children were able to drive, I was able to insure them through State Farm at a reasonable rate. A lot of insurance companies would not even insure them. If this option doesn't work, try being added as an additional drive in the household. It is expensive but well worth it.


****
well done on passing, i passed at 18 and went straight onto my own insurance policy. Simply so i can build up my own no claims bonus. I also did my pass plus of which gave me about £100 off my insurance as well as extra driving skills/lessons. Godd luck and happy driving!


JT in DC
You forgot to mention whether or not you have your own car.
Get on dad's policy.
All the best.
JT


MIGHTY MINNIE
Rating
Drive as if your life depended on it (and it does) and GOOD LUCK...DON'T FORGET, DRIVING IS A PRIVILEGE that you don't want to lose..(:>P)


Lee
Some (UK)Insurance companys will allow a named driver to build up a no claims bonus.This may be your best opion stay on Dad's Insurance for a while and then go it alone later,May even be able to have a multi car deal a little further down the line!


kel lou
Rating
congrats!! it may cost a fortune to start but you can at least have the chance to build up no claims bonuses if you dont crash! go on to moneysupermarket and check insurance prices. if your dad has you on his insurance make sure he has protected no claims as if you crash he will lose them if they are not protected!!


fisherwoman
Your dad will need to add you to his policy for one or more of his cars, or put you on as an exclusion from driving any or some of the cars. You are still a minor, therefore there is no other option.


bassmonkey1969
You need to get your name on a policy so that you can build up your no claims bonus's. It may be expensive but it's not going to get any cheaper waiting.


Narky
Well done. I suggest you get insured as a named driver on his policy. Safe travels... don't speed... have fun.


sunset
Your dad will have to get you covered under his policy as an "Additional insured". Congrats on passing your test. Drive Safely!


Ferret
Rating
You should ask his agent. Insurance agents are usually pretty good about making sure you're paying as little as possible. They get paid based on the number of services you have, not how much you pay, so if they can get you to pay less for what you have, maybe you'll add on more services...


LYNDA M
Rating
congratulations pal well done,sorry im not a driver but congrats anyway,drive carefully.


jane g
Rating
hi congratulations on passing . my son was told Norwich union direct will do you a insurance on a pay as you go basis . i dint know if its true but worth a phone call xx


ilovetrack18
Rating
When I get my license I think my family decided that we are going to put it up my mom's policy.I just got my temps today though. If your dad doesn't mind, I think it would be the better way to go.


Jewel
Congratulations on passing your test.

Go for the insurance option that is the most economical although I would advise fully comp.

Drive carefully, don't drink drive or do drugs.

Wishing you a Very Happy and Safe driving life.





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