insurance for a 16 year old wihth full driving licence — Scope | Disability forum
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insurance for a 16 year old wihth full driving licence

LisaEB Member Posts: 1 Listener
Hi everyone
This is my first time posting here. 
My son is 16 years old and receives higher rate PIP for mobility, subsequently because of that he has been able to learn to drive at 16. He has now passed his theory and practical test and has ordered a motability car which wont be with him until October. I am trying to find an insurance company that will cover him on my car until his arrives but cant find anyone who will cover him because of his age. They were all happy to cover him as a learner but not now he has a full licence. I have spokn to Motability in case they have any ideas and they couldn't help.  Anyone have any experience or ideas with this?


  • wilko
    wilko Member Posts: 2,457 Disability Gamechanger
    @LesaEB, hello and welcome, if your current insurance provider won’t add your son to your policy and money is not an issue then have you tried the online quotes I expect they also will refuse or charge a heavy price. Your son may have to wait till he gets his mobility car, out of interest which brand and model  is your son getting. Does he need any adaptions. It could be wiser and cheaper to let your son ride up front to get use to being in close views of driving situations.
  • Ross_Scope
    Ross_Scope Posts: 7,487 Scope online community team
    Hello @LisaEB

    Welcome to the community, glad to see you join us. Congratulations to your son on gaining his licence but I'm sorry to hear you are finding insurance hard to come by for him. 

    This isn't an area I know much about, but I hope others do. I have moved your discussion to our category for transport and motoring, hopefully you are able to find a solution but if not I hope October comes around quickly :) 
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  • Lisatho11987777
    Lisatho11987777 Member Posts: 5,788 Disability Gamechanger
    My step son was haveing problems at 18 getting csr insurance at 16 you may not find any one and if you do it will probably be unaffordable  at 18 the indurance was 1500.00 for the year at 20 changed to a moped alot cheaper and got insurance straight away but cbt test was 100.00 pound 

    He may have a better chance if he does a pass plus and has a black box put on his car and drives a 1.1 

    Other than that I don't know what to suggest 
  • Lisatho11987777
    Lisatho11987777 Member Posts: 5,788 Disability Gamechanger
    Your son may have to wait until his mobility car comes has he got to wait for his car until he is 17 ?? I just checked on the insurance data base  only one on the database I was on will accept a 16 year old and that price you could buy a car lol they are asking 5000 pound for the year and I did that on a 1.1  car using my 16 year old grandson lol he rides a moped 78.00 for the year and 13.00 tax for the year he is happy 

    It's easier when they are learning to drive because someone is with them when I had my first mobility car its was different you had to be 18 I learnt to drive in my mobility car so was better 

    Hope you find someone to insure your son 
  • woodbine
    woodbine Member, Community Co-Production Group Posts: 7,751 Disability Gamechanger
    I'm afraid he will have to wait until his notability car arrives.
    Be extra nice to new members.


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