E85 3.0i buying advice wanted

[Pondrew]

The problem is my eldest isn't far from approaching driving age and I'm expecting going as a named driver on my policy will be far cheaper if the NCB is still there. And protecting that NCB with that young driver on the policy is probably a good idea!

Not sure you can transfer NCB to a named driver and they will rate the premium on the youngest (highest risk) driver, so there is not really a way 'around' the costs of a new driver.
The other problem is if the youngster has an accident (many do) whilst a named driver on your policy, it will affect your premiums for years, as well as theirs.
When my daughter got her first car as a learner (2023), we started a policy in her name with us as named drivers. As a learner their premiums are dirt cheap, it only goes through the roof once they pass.
So, by the time she had passed, she had almost a year NCB. Then upon renewal, she had her NCB so her premium was very reasonable. She has now been driving with a full licence for just over a year and will have 2 years NCB in May.
I found this the best way to keep costs to a minimum for a young driver and they have their own NCB going forward.

 

[martduff5]

The problem is my eldest isn't far from approaching driving age and I'm expecting going as a named driver on my policy will be far cheaper if the NCB is still there. And protecting that NCB with that young driver on the policy is probably a good idea!

Not sure you can transfer NCB to a named driver and they will rate the premium on the youngest (highest risk) driver, so there is not really a way 'around' the costs of a new driver.
The other problem is if the youngster has an accident (many do) whilst a named driver on your policy, it will affect your premiums for years, as well as theirs.
When my daughter got her first car as a learner (2023), we started a policy in her name with us as named drivers. As a learner their premiums are dirt cheap, it only goes through the roof once they pass.
So, by the time she had passed, she had almost a year NCB. Then upon renewal, she had her NCB so her premium was very reasonable. She has now been driving with a full licence for just over a year and will have 2 years NCB in May.
I found this the best way to keep costs to a minimum for a young driver and they have their own NCB going forward.

I was thinking about the insurers that offer NCD to named drivers if they go on to take their own insurance policy out in the future. So if I have a policy in my name, get the kids on it as soon as they turn 17, get them to pass their test ASAP (even if they're going off to unit with no intention of driving)...by the time they want to actually have their own car they should have a 2-5 years named driver NCD and have a full license for 1-4 years, all of which will hugely contribute to reducing their premium when they take out their own insurance policy with the same insurer (even if they want to have their own car and insurance as soon as they pass their test, being a named driver on my policy whilst they're learning to drive will still earn them 1 year NCD if they stick with the same insurer)

 

[martduff5]

Hello, I'm possibly still in the market, very much sitting on the fence at the moment. Feel free to send through what you've got.