@TomThumb It’s a nightmare scenario but, with respect, that approach is the wrong way around. You don’t want to buy her a car only to find out that she can’t get insurance or the cost is prohibitive. By far the more sensible approach is to run the insurance quotes now and see what the options are. Simply go on the comparethemarket, enter all her details under an assumed car that she might buy, enter all her details (including the accident and disqualification) and you will know what you are dealing with. That will inform any decision to leave the scheme. I used this approach myself when deciding to leave the scheme. Sometimes you can get a pleasant surprise. I’m getting a group 50 high value and high performance car with just 3 years no claims bonus and I expected the premium to be thousands, and it was just £648. Admittedly I’m the wrong side of 60 with a clean licence and live in a low risk area, but the principle is the same. You don’t know what you are dealing with until you run the quotes.
Does your daughter have to re-take her driving test in order to get her driving licence back? If so, that’s another buggeration factor as there are 6-12 month waits for driving tests
EDIT – sorry Tom. I just realised that you said ‘proposed’ car, so I think you are doing what I suggested.
