Kids ,cars & insurance (16)

yep i agree this is the correct one to do insurance for your son.

I have both my sons as named drivers for my vehicle but for their own vehichles they have their own independant insurance.

The cost depends on their licence and how long have held, their infridgment notices and their age and also the type of car they are driving.

example, older son has full licence, heaps of infridgment notices, boy racer turbo flash car - he has full insurance but also pays a very high premium but at least he can still get insurance - the cost is high more for the type of car he drives and everything has been be declared about the vehicle.

younger son just has a small car - no turbo and his premiums are cheap even though he is still on a restricted licence.

Mistake alot of people make and think they are ok, is by putting their son/daughters vehicles in their parents names and if something happens, they then think they are covered.

Not the case as you might think you are covered but when times comes to actually making a claim - insurance companies arent stupid and go on alot of things.
eg. how many vehicles you have in your name etc and how often you drive them
so is best you name them as a driver of vehicle.

Also with insurance companies, if you get tickets, you actually have to notified your insurance company of those which can make a difference to your access or your premiums.

But for people that dont disclose, when comes to lodging a claim - you might find yourself not getting paid out, as insurance companies will use that against you as you need to update with them all time and disclose new tickets (speeding, not parking tickets )

This is in nz but i would say probably would apply or be similar to oz rules as well.

Sorry for the dribble but hope this info might be of value to others as well.

As alot of people might pay, thinking they are insured, but when comes time to make a claim = may find out otherwise, no.