My teenager just got a driving licence and the insurance rates are through the roof. Is it best to add him to my policy? Do I have any other options?

Unfortunately we cannot add a teenager onto their parent's policy, as it represents a much higher risk to the Insurer. Generally speaking if the teenager is using the vehicle more frequently than any of the other drivers, the policy should be set up in the teenager's name. This will also give the teenager the chance to start earning his or her own no claims bonus. Herts Insurance offer specialist young driver policies, which can even accommodate modified vehicles so we should be able to offer a competitive premium. These policies also allow discounts for the teenager if they have completed a Pass Plus scheme, or similar advanced driving course, so this may be something for your teenager to consider in order to reduce their premium.

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