Kigiin

My 15 1/2 daughter has gotten her temps and will now be driving. We have three cars (the 993, 2000 Lexus LX470, and 2002 Lexus GX470). The daughter will learn with one of the trucks but at some point over the next year or so we will probably get her a car or small SUV.

My wife, in speaking with our Insurance company (Progressive),is telling me that the daughter must be listed as an occasion driver of the 993 since it is one of the cars listed in the policy. This despite the fact that I will never allow her to drive it.

Do any of you with teenage drivers have this problem with your p-car?

Rob

zicoramone

imagine they don't listed her. One day without your consent, to impress some teen crowd she takes the car for a little ride and have an accident. Quid Iuris?

95 C4 993

I may have the same issue in about 14 years. I will let you know then. :-)

Terry Adams

BTDT and paid the consequences.

mike cap

Rob,

No way around it if your 993 is part of your personal auto insurance package. I got around it (two teens through the house and one left) by owning and insuring the 993 through my company as a company vehicle. If you don't have that option, you're stuck.

zicoramone

Bingo!

RallyJon

What doesn't make sense about this, is that you could let some fast-and-furious 16 y.o. stranger take your car out to thrash and he would be completely covered.

Kigiin

I didn't say it didn't make sense. While there is the remote potential she could drive it without my permission (although she isn't learning to drive a manual), I wasn't sure it would necessary to insure.

RallyJon

Exactly. If, heaven forbid, there was an emergency and your daughter had to drive the car, the insurance co should not be able to deny coverage any more than they could for a total stranger.

RickBetterley

Hi Rob
In some states (MA being one) you can make an agreement with the insurance company that your daughter agrees to not drive that particular car EVER until the agreement expires or is changed.
You both sign it.
Of course, NEVER means Never. If she drives it, there is no coverage and you are in a heap of hurt if there is an accident.
We did sign such an agreement; Chip still doesn't drive a standard. You of course should make your own decision for what is right for your family.
I feel your pain about auto insurance premiums and teen drivers. Chip drives a 1996 Nissan Altima (no, not tricked out) and the premium is $1850/year with collision, $450 less with limited collision. Ouch.

Robin 993DX

I wouldn't have any problem as long as she participate in all the PCA events first and get really involved with the Porsche club and learn how to handle a car on the track first.

It is not the daughter you should really be worrying about, but is the "bad" boy friend that already have his eyes set on your Porsche that you need to keep an eye on.

177mph

Hey Rob - not to hijack here - but are you sure your Lexus GX is a 2002? They didnt come out till 2003.....

Reynard38

Why not put the Porsche with a collector car company, and leave the other vehicles with your present insurer? Tell your present company they can either live with that, or you'll take all your business elsewhere.

993Maineiac

I have 2 teen drivers and feel your pain. I considered taking out a separate policy, but didn't feel the risk-if son or daughter decided to take it "around the block" and had an accident when I was gone were too great to do that. Just consider it a cost of parenting-and a heck of a lot cheaper then having them damage it without coverage.

Al

Kigiin

Your right - it is a 2003. I don't pay much attention as it's the wife's car.