So your teen has passed their driving test! Yippee! they can take you home from parties, ferry you to the pub, share the driving on holiday ... oh wait... you do know that you need to sort out the car insurance right?
On the very moment they pass their test, they are no longer insured to drive the family car they've been cheerfully practicing in! Yes a quick call to the insurance provider is needed.
In our case Raffy had been driving my Fiat Panda, not a well known sports car or hot hatch, and it had raised my insurance to have her on the policy from £200 a year, to £400.
So it was with some surprise to find that upon passing her test the insurance now rose to £4000.
After some clutching at my chest and deep breathing, I went to a few comparison sites to look around, I did finally find insurance at as little (as little! *bitter laugh*) as £1500 a year, but as Raffy tends to only use the car for about an hour a week to drive to and from college, this seemed excessive. So it looked like her driving days were numbered.
That's when I remembered a product I'd heard of that enabled people to drive your car with a temporary insurance, literally an hour at a time if necessary. It was sold to me at the time as festival driving insurance "giving a mate a lift? why not share the driving to and from the festival" but I realised this might be useful for newly qualified teenage drivers too.
I took a look at Cuvva as it was the first one I had heard of, but it turned out they wouldn't insure drivers under 19. As Raffy isn't 19 for a good while yet I had a hunt about. And I found Veygo. Underwritten by Admiral Insurance it enables you to insure a car for anything from an hour to...well a month or so if you like (perfect when your student comes home for summer from University and wants to borrow dad's wheels) . And as it's done via an app you can even do it on the go. They insure learners too!
I used it for the first time this Monday, and it seems pretty simple to use. You take pictures of the car (if you forget to do that and then need to claim, your excess will be higher) and then fill in the info on the app and it's all good, the policy documents are emailed to you immediately (Mr TM and I joked that Veygo should sponsor Police Interceptors as one of the major crimes seems to be young lads driving uninsured, for only £17 or so they could escape a fine or worse!)
I insured Raffy for 24 hours as she wanted to car late in the evening, Veygo stipulate that for insurance after 10pm and before 5am it must be 24 hrs minimum, but even then it was only £26. For day time only on a Saturday the cost was more like £17. All in all a cheaper option than £1000, as she doesn't have her own car, and is now using mine only occasionally.
So there you go, my top tip. Try out temporary car insurance to ensure your new driver doesn't forget how to drive! Veygo even say you can earn a years no claims discount if you use the app for driving more than 30 days in a year!
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