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I'm confused about something. I've been driving for about 7 months and have my own insurance which is fully comp and I pay £102 each month. Only now my boyfriend drives my car but only has just passed his test last month. I need to put him on my insurance as a 2nd driver. Only I'm sure that I have read and when I took out my own insurance that by putting a 2nd driver onto my insurance would lower my rate. However I have been doin online quotes and all of them are basically sayin I'll be paying around £300 MORE a month, which we cannot afford! I'm confused because I thought that with him being on it we'll be paying less or around the same amount! Can he take out his own insurance on my car or does he have to go on mine? Also does anyone know why it'll cost so much more for him to go on mine? Thank you :)

Public Comments

1. yes, by putting your bf on your insurance it would definately go up. Think about it logically, hes only just passed his test and is inexperienced, as are you. If you want your insurance to go down put someone on who has got lots of driving experience, someone who is older and has held a driving licence for a long period of time, like a parent. No he cannot get a poilcy on your car aswell as you having it.
2. It is the driver who is insured to drive your car. An inexperienced / young driver will always cost more to insure. If your bf carry on holding the lisence for three years, without claim, the premium will come down.
3. The best thing to do is try to search it on the net. Go for an online quotation. You can try to visit this cheap car insurance site in UK http://www.nightbirdssolutions.com for your reference.
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5. No doubt the easiest way to get insurance quotes is on the web. Why would you waste your time on the phone calling around? the last time i needed quotes on insurance i used one of these comparison sites and it was great. this is the site i used and it was quick like less than 5 mins. The last thing I want to do is listen to elevator music while waiting for a salesman. Anyway I got good quotes and ended up saving money so I was happy. So shop around and compare quotes which is easy on the net. Good starting point is at this site. http://www.knowledged.info/go.php?link=insurance Good luck.