The logic is simple: he has to reduce the risk he presents. There are many ways to alter that, somne of which will be considered by some insurers; others won't.
Not much on this planet is MORE likely to have an acciudent than a spotyy 17 boy who already THINKS he can drive!
1) What the HELL is he doing with a 1.4 litre car? When I started to drive, that was the size of a 'Dad's' car, not a kid's car! Reduce the car's PERFORMANCE by getting him something smaler. being hard on you, what ever POSSESSED you to buy a car for him without checking the costs of insurance?
2) Get him to take his 'pass plus' whatever it's called?
3) Get him to agree NOT to go out after the time limitation (11 till 6.30.... I think). Why is that the time, because that's when most kids DIE on the road!
4) Get him to agree NOT to take mates in the car.... EVER! Mates in cars distract kiddies and make them show off...... especially us 'racers'.
5) Get him to agree to carry the camera/recorded use by people like Aviva (I think). Here are the details of something like it, often called a 'blackbox':-
http://www.carinsurancemegastore.co.uk/blog/?p=270
6) Think about getting him a 'classic car', A Morris 1000 ( Something I had...... and LOATHED!). Classic car insurance on limited mileage is often VERY cheap. Daft really as modern cars do grip, brake and steer better,
7) Get him to have a sex-change op..... Girl;s seem to have less accidents and thus are cheaper...... Failing that, tell him to get older, quicker.... Whe he IS driving on his own.... YOU will age quicker, so why shouldn't HE!!
8) By him a bicycle......
You are right in your thinking about him being insured as a name driver on your or your wife's policy. Insurance companies are NOT daft. They'll take your money on that basis but the MOMENT he has a claimable accident, they'll find ANY reason to avoid paying and will note your 'discrepancies' in the named driver/owner
Good luck!
Ian
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