Following the advice of other members i decided to get a new car insurance quote with an older driver on. I only pay just over £500 a year fully comp but thought i'd see if i could save money by putting my mum on. She's in her 50's, been driving for 17 yrs, no claims or accidents, no convictions and full no claims bonus. Anyway i was shocked when the quote came back at £1470!! Why would i be paying nearly triple to but my mum as a named driver?? anyone got any ideas?

thats very weird! don't understand such a big price different between those two!Can't help you there! Are you sure they didn't have make a mistake?

i went through it twice and tried one othr insurance company which also add a lot on (just over double!) i don't ge it. But i remember years ago when i had a had a ka it cost more with my mum on the insurance! But when i got quote to go on my ex's car (ST170) it was gonna bring his insurance down by a few hundred pounds! oh well, never mind. Mystery of insurance!

maybe because its a woman? but usually its cheaper for woman to insure compared to man because woman "should" be safer driver!

depends which woman is behind the wheel!

lisa thats very strange,do you have a large excess on policy,i increased excess on mine and premium dropped.currantly paying around £380 full comp £300 excess.

hi iceman. i have a compulsary excess of £250 (cos im under 25) then a voluntary excess of £200 i think (might be £175).

Insurance is a big mystery to me also.

For me as a sole driver on my ST, driving for 25 years, no convictions, full NCD with no claims in over 20 years came out at £350.

When i added my wife to the policy, driving for 10 years, no convictions but has had 2 claims in the last 5 years, they knocked £40 off! .

have u paid 4 ure insurance yet or r u just getting quotes at moment.

Strange!

Anyway im off out to rack up some miles! can u believe ive had my ST for 6 months and it only has 2700 on the clock!

i've paid it for myself which was £512 for the yr fully comp. just thought id see if id save money with putting my mum on. so not really bothered if it didnt cos im not exactly paying a fortune for it as it is.

if i was to be insured on my own policy it would be nearly £4000 with my dad its £700 and if we were to add my mum to it(no convictions for any of us btw) it would be over £1000

I agree with u babyboom. of course im an ace driver

Might see what happens if i add my dad then

I'm insure on my own and pay 890 euro for it!thats about £584 not bad I guess! last year I was paying £750 for it!

that is odd. i'm the policy holder and mian driver, with mam and dad as named drivers but with use of other cars (although they are hardly ever in it, i think my mam has done about 25 miles in it in 1 and 1/2 years!) and its 900 if they wern't on it, i'm looking at over a grand. have you tried Admiral? have you got your mam down as having the use of another car? cos if they only think she is going to be in it now and again as opposed to 1/2 of the time, maybe thats why?

i used simple cover to insure my corsa, £1240 on my own, £751 with my mum listed as an in frequent user

May be thats why they make u pay more insurance!

I knew you would like it!

Whatever you do, don't try CIS (Co-op Insurance). I used to work there. Every insurance business has defining business rules as to what sort of driver they prefer. CIS don't like high grouped cars and under 25 drivers. So if you have a car over group 9 and you're under 25, they'll either give you the stupidest quote ever, or decline to quote.

I insured my ST myself, fully comp, for the year, upto 12,000 miles, for just under £700. I am very happy with that. That's with Elephant btw. Directline quoted me just over £800. Every other company was way too expensive (£1300+).

I think a combination of being a touch older (24), plus driving for 7 years with no claims or accidents, plus the fact that my car is always parked in my driveway at night helped keep the cost down. But still, I was surprised. I expected it to be £900 - £1000 for the year.

I was quoted £950 with elephant which i didnt think was too bad for a 20 year old with 3 years no claims bonus. elephant seem like a good place to go.

I agree, for 20 years old, that's a great price.

I actually tried them a few moments ago and they were cheap.

I have actually been driving as a named driver under my Dad's insurance for the last few years, so I don't have any no claims as the policy is in his name. However for the first time in my name for a 21 year old on an it was still good!

minw was around the 1000 mark but coz i lowered the excess and shoved on guaranteed car hire, and the fact i never really owned my own car since this one, always been driving 3rd party on a clio. So this really aint too bad at all. been told that it will be down to 790! at the end of my policy, so cnt wait for that ball to drop, shame the quote wont save till that long

When I rang up admiral they said i fell in to their "favoured drivers" catergory which is under 25 with high powered cars. although i think he was maybe fibbing, cos insurance companies usually don't like that! although they were the cheapest out of anyone, so maybe they do give good quotes to drivers in that catergory, so that they get lots of young people going to them - more business for them i suppose if word gets around?

I have just been quoted £350 fully comp protective no claims and mods declaired with Adrian Flux. Is anyone insured with them or had dealings with them wanted to check them out before give them my hard earned money

i think i heard someone mention that they are rubbish and take ages if you have to make a claim. not 100% sure on this though, but i know alot of people on ukfiestanetwork.com are insured with them, although the last time i was on that site was about 2 years ago, so they maybe aren't now

very strange, adding a driver should bring the price down unless they have a bad record which you say she doesnt. i added my dad to mine last year and it lowered the price by about £200 with Bell and im paying about £510 now, try on this mate http://www.moneysupermarket.com/motor/ you can stick in your added driver info and see wheres offering a lower price, worked for me when i found that Bell quote

Just tried that and the lowest quote i got was £649 which is more than i pay just for myself at the moment. And Bell said they don't support the gender of the main driver (female!). Are any females on here insured with Bell or do they only accept male drivers?

Another tip if the renewal has plopped onto the mat is to ring the company up and "discuss" your renewal with them. I was phoning them to sort out payment options when she went through to the pricing department, came back and my renewal went down by £80!