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insurance for a 16 year old wihth full driving licence

LisaEB
LisaEB Community member Posts: 1 Listener
edited June 2021 in Transport and travel
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?
Thanks
Lisa 
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Comments

  • wilko
    wilko Community member Posts: 2,458 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.
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  • Ross_Alumni
    Ross_Alumni Scope alumni Posts: 7,652 Disability Gamechanger
    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 Scope Member Posts: 5,911 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 
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  • Lisatho11987777
    Lisatho11987777 Scope Member Posts: 5,911 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 
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  • woodbine
    woodbine Community member Posts: 11,609 Disability Gamechanger
    I'm afraid he will have to wait until his notability car arrives.
    2024 The year of the general election...the time for change is coming 💡

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  • sunnyinside
    sunnyinside Community member Posts: 9 Listener
    Hello , my daughters just turned 16 and also gets high rate pip . What insurance company did you use for lessons ? 
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  • Cartini
    Cartini Community member Posts: 1,108 Pioneering
    I know this is an old thread, but I have to say that I`m gobsmacked that a 16 year old can legally drive a car when in receipt of enhanced mobility.  I think 17 is too young to legally drive a car, let alone 16.
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  • leeCal
    leeCal Community member Posts: 7,550 Disability Gamechanger
    edited August 2022
    @Cartini I started driving a scooter when I was sixteen and so when I started driving van at seventeen I was a very careful driver. I must admit looking back I was very young to be in charge of a potentially deadly machine. 

    Further to the above I remember most drivers used to cruise along at about forty mph in those days, that’s fifty years ago mind.

    “This is my simple religion. No need for temples. No need for complicated philosophy. Your own mind, your own heart is the temple. Your philosophy is simple kindness.” 
    ― Dalai Lama XIV

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  • Cartini
    Cartini Community member Posts: 1,108 Pioneering
    leeCal said:
    @Cartini I started driving a scooter when I was sixteen and so when I started driving van at seventeen I was a very careful driver. I must admit looking back I was very young to be in charge of a potentially deadly machine. 

    Further to the above I remember most drivers used to cruise along at about forty mph in those days, that’s fifty years ago mind.
    HI @leeCal,
    Most drivers may have cruised along at 40, but there were most likely a lot fewer cars on the road then (not that cruising along at 40 is recommended in (assuming) built up areas).
    I just find that society is going too fast for the generation of today to get a solid grounding, so much so that a 17 year old thinks that he / she is a safe driver after xx number of hours instruction and a test.  My opinion / belief / thoughts about the age of driving also extends to the age of drinking and voting.
    Unfortunately I (we) have no control over any of that <sigh>
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  • sunnyinside
    sunnyinside Community member Posts: 9 Listener
    @Cartini I think any new driver at any age would be just as safe as the next new driver . 
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  • Cartini
    Cartini Community member Posts: 1,108 Pioneering
    sunnyinside said:
    @Cartini I think any new driver at any age would be just as safe as the next new driver . 
    I`m afraid we`ll have to agree to disagree on that point. 
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  • ClareBear1976
    ClareBear1976 Community member Posts: 1 Listener
    LisaEB said:
    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?
    Thanks
    Lisa 
    Where did you get the learner insurance from please!! 
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  • poppy123456
    poppy123456 Community member Posts: 53,914 Disability Gamechanger
    ClareBear1976 said:
    LisaEB said:
    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?
    Thanks
    Lisa 
    Where did you get the learner insurance from please!! 

    This thread is 19 months old and the member hasn't been active on the forum since then so you may not get a reply.
    I would appreciate it if members wouldn't tag me please. I have all notifcations turned off and wouldn't want a member thinking i'm being rude by not replying.
    If i see a question that i know the answer to i will try my best to help.
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  • AaronB
    AaronB Community member Posts: 1 Listener

    LisaEB said:
    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?
    Thanks
    Lisa 
    Dose anyone know how you would book the theory and practical test at 16 if you have a higher rate pip
    (for my son)  
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  • poppy123456
    poppy123456 Community member Posts: 53,914 Disability Gamechanger
    edited April 2023
    AaronB said:

    LisaEB said:
    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?
    Thanks
    Lisa 
    Dose anyone know how you would book the theory and practical test at 16 if you have a higher rate pip
    (for my son)  

    Have you tried to book it online? If you can't then you can ring DVSA directly. You will need to book the theory test first because you can't book the practical until your son has passed the theory.
    Please note that if you can't book it online there maybe quite a wait for them to answer the phone.

    Help with your booking

    Contact the Driver and Vehicle Standards Agency (DVSA) to get help booking your theory test.

    DVSA theory test enquiries
    theorycustomerservices@dvsa.gov.uk
    Telephone: 0300 200 1122
    Monday to Friday, 8am to 4pm

    If extra support is needed you will need to ask for this and there will be options of what extra support can be put into place. Please note that you will not be able to have the test date confirmed online. DVSA will contact you with a date/time of the theory test.
    I would appreciate it if members wouldn't tag me please. I have all notifcations turned off and wouldn't want a member thinking i'm being rude by not replying.
    If i see a question that i know the answer to i will try my best to help.
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  • anawilliam850
    anawilliam850 Community member Posts: 29 Connected

    It can be difficult to find an insurance company that will cover a 16-year-old driver, even with PIP for mobility. However, there are a few options you can consider:

    1. Add your son to your existing car insurance policy as a named driver. Some insurance companies may allow this, but you may need to pay an additional premium to cover him.

    2. Look for specialist insurance companies that offer policies specifically for young drivers with disabilities. These companies may be more likely to cover your son, but you may still need to pay a higher premium.

    3. Consider contacting a broker who specializes in finding insurance for young or disabled drivers. They may be able to help you find a policy that meets your needs.

    4. Contact Motability again and ask if they have any recommendations or resources for finding insurance for young drivers with disabilities.

    It's worth noting that some insurance companies may require your son to have his own car before they will cover him as a primary driver. However, this may not be feasible or necessary in your case, so be sure to shop around and ask plenty of questions to find the best option for your family.

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