Just passed driving oral exam aged 21 what is best passageway to shift more or less saloon insurance on my mothers or start my own?

Answers: Assuming your are within the UK - get your own Inusrance.

Try Tesco's, they are one of the most competitive for Young Drivers - www.tesco.com

Don't go underneath your mum's Insurance, unless you advise the Insurers that you are the main user etc (which will result within a higher premium anyway..) - If you do not tell them, within the event of an accident they can void the policy for 'non disclosure of substance information', which means you will not get a penny.

Good luck. Source(s): Me - I am an Insurance Broker
well the cheapest is to move about on your mums, but you pay the cost for that when you DO want to start your own. So I advise to wage a little more but start getting your own no claims. I wish I have.
depends wot car u get, but at 21 even with no no claims u shud be able to obtain a reasonable priced quote...go to confused.com, they look at evry1 and solitary takes a few minutes
Go near your own. may seem alot at 1st but will work out cheaper in long run, And if you ever want a nice sports car or a sports car you are gonna need a few years no claims aft you
If you can afford it, go on your own and start building up your no claims bonus. You will regret it next if you dont.
Get a quote for both, you might be surprised.
Your mothers would be cheaper.
But at 21 I say grow up and get your own.
GO EMO
Does best mean cheapest??

If you were my kid, I'd ring up my agent, and see if I could get you a spin-off policy from my own carrier. You'll enjoy the most luck with that if you buy a car between 4 and 8 years dated, and pay cash for it, and it's not a fancy sports car.
at 21 it is going to be better for you to start your own and show responsibility!
go on your own you will have a feeling more independent and congrats
As a motor underwriter, I would strongly suggest going alone. Normally, in fact unbelievably likely, the Insurer will re-rate the policy on the youngest driver namely you, which will push the price(or premium) up to where you would usually expect to pay, even if your mom has no claims bonus of her own.

This form of insurance is call "fronting", basically your mother is a front for you to drive the vehicle, however, your mother will pay the cost contained by the long run. If you have any form of crash the Insurers will check to see if you are the main user and if so, which is outstandingly likely either blankness the policy or failing that, if they do pay the claim they will seek a rescue from you as part of the claim.

In short, avoid going on your mother's insurance at all costs. Go it alone, it will be paid sense in the long run when you have a presentation car aged 24/25 etc and you've built up the NCD to insure it. You WILL thank me for that, honest!
Well it would be cheaper to try to get on your mom's insurance because you could probably get some discounts (like if she have both homeowner's and auto with the same company).

However, while it will be cheaper for you. It would be knowledgeable for her to encourage you to get your own insurance because of what's at risk.

If you are on her insurance and you win into an accident and hurt somebody really badly (or god forbid eliminate them)....they will likely hire a lawyer to see how much money they can acquire out of your and/or your mother.

If you have insurance on your own....they can go after you, your insurance proceeds and adjectives your assets (car, money, house, etc.), but they won't be able to go after your mom's stuff.

If you are included on your mom's insurance, they will budge after BOTH your stuff and your mom's stuff.

Which is why....if you mom puts you on her insurance....she really needs to take out a big personal umbrella liability policy to relief pay extra in bag you get in an accidedent....the more liability insurance you hold.....the less likely you'll lose some of your personal assets surrounded by case of an accident.

To start the process....ask your mom what she feel is best.

If she's okay with you being on her insurance.....ring up her agent.

If not, call some agents on your own and explain your situation.
Well at 21 you should have insurance on your own but, its gonna be cheaper if you are on your moms for awhile, because you just get your license. What took you so long?
You are 21 now so you can hold your own car insurance, try taking their free quotes for auto insurance, i always clutch their policies,
"http://www.jdoqocy.com/email-1961891-…
The broker is completley correct. Your policy will be invalid.

Unless of course the car that you are driving is if truth be told the only car contained by the family and it is your mums car, afterwards you would only be a named driver Source(s): I work within the insurance market
I enjoy been a named driver on someone Else's insurance since I passed my theory test. 10 years later I got my own insurance and my 10 years hard-working driving accounted for nothing. I would get your own it will pick up you money in the long run as well because it will receive cheaper every year if you have no claims bonus. I think direct stripe though offers no claims bonus now to name drivers... worth looking into if you can't afford to go it alone. Happy driving!
start your own. it may sound more expensive to originate with, but overall it will work out a lot cheaper especially if you are a not dangerous driver. good luck
If you have got your own sports car, buy your own car insurance, ive recently done it myself, i go with Norwich union coz it be quite cheap compared to other insurers, but driving is an expensive hobby so be prepaired to pay out at smallest lb40 a month for insurance, lb130 a year for tax & lbMOT aswell as petrol! Its great to be free though isnt it!! Good luck & keep motoring!! XX

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