My son and daughter both passed their driving tests over the past couple of years and are named drivers on my Aviva car insurance policy. However, both are now away at college coming home relatively infrequently. Having them as named drivers on my car insurance policy has increased the cost of my car insurance (probably more than double) so I was thinking of taking them off the policy, although this might be a bit of a pain whenever they are home as they would no longer be insured to drive my car.
My question, however, relates to the benefit of having them as named drivers on my policy. Aviva have told me that, if they were to get their own car in future, they would not get any benefit from having been a named driver on my policy. However, having looked at some other insurers websites, it looks like those insurers would give them some discount for having been a named driver for a number of years (even if the named-driver experience has not been with that company). Just wondering what people's experience of this has been. Do young drivers starting out with their first car get much of a discount for named-driver experience? What level of discount would this typically be and which companies are best for this.
I'm continuing to stay with Aviva for now as I've one more son to get past the driving test shortly and the Aviva driving school is a good option for this. But, I might remove the other two from the policy for now and add them back when it comes to summer holidays which is probably when they would need the car most often. Not sure how much that will really save me...
My question, however, relates to the benefit of having them as named drivers on my policy. Aviva have told me that, if they were to get their own car in future, they would not get any benefit from having been a named driver on my policy. However, having looked at some other insurers websites, it looks like those insurers would give them some discount for having been a named driver for a number of years (even if the named-driver experience has not been with that company). Just wondering what people's experience of this has been. Do young drivers starting out with their first car get much of a discount for named-driver experience? What level of discount would this typically be and which companies are best for this.
I'm continuing to stay with Aviva for now as I've one more son to get past the driving test shortly and the Aviva driving school is a good option for this. But, I might remove the other two from the policy for now and add them back when it comes to summer holidays which is probably when they would need the car most often. Not sure how much that will really save me...