21 replies to this topic

[AVV IT]

I know someone who is 18 and has one of those "curfew" policies that prevents him from using the car between 10pm and 6am, which sounds a bit harsh but he saves £1000 per year on his premium because of it. He is insured to use the car outside those hours, but there is this tracker gizmo fitted in the car that alerts the insurance company if the car is moved outside of the agreed hours and he gets a £40 fee/fine. Which means he can use the car if neccesary, say in an emergency, or when he and his mates want to club together and pay £10 each for him to drive on a night out!

[callumsfirstcar]

yeah ive heard of a few like that,

you can also get some were they charge you for every mile you do a month rather than pay the same allt he time, but its very cheap on some of them:)
im going to look into it more when my test is actually booked, (not long hopefully)

[Jacko-lah]

Anyway how do you define main and second driver?

Insurers do not seem to be defining this in terms of driver hours or miles. After all, unless they were to fit some kind of tachograph type device for recording the individual driver miles/hours fitted in each car, then it would be pretty much impossible to technically distinguish one driver from another in that way.

However I understand that the insurance industry are declaring policies to be "fronted" and therefore fraudulent, where the actual main driver is quite obviously not the person who has been declared as such. Basically this is when the circumstances surrounding a policy or claim are particularly suspicious. For example a middle aged parent purchases a small, lowish powered & older second car for themselves and also insures their 17 year old daughter who has just passed their test as an additional driver at the same time !! or.... The registered keeper of a newly purchased car is then transferred from teenage son/daughter to a parent shortly before the policy is taken out. or...... When a claim is made for such a car by the additional driver son/daughter for an accident that occurs at a university address during term time. or........ an insurance inspection reveals that a car that is owned by a middle aged woman with her son as an occasional driver, has what appear to be stereotypically teenage modifications and accessories.. (i.e would a middle aged mother really have tinted window film, uprated aftermarket stereo, with separate amp and a massive sub in the boot??)

I see the logic. But what if the parent has a group 14 car and decides that as they can't add the child onto the policy, and they'll sell the group 14 car and buy a car in group 1 or 2. The only reason they have a group 14 car is because it was cheap at the time, and it'd not proven to be the best car for their needs. It looks like they specifically went out to buy a car for the child, but what they were actually doing was buying a car for themselves, but which would be low enough insurance to allow the child as a named driver.


What if the car was in the childs name and transferred because the father actually liked it alot and wanted to modify it with tinted window film (I have a roll I bought 5 years ago but never used) ?

What if the parents gave the keys to the son, to go and pick up his stuff from university to save them the hassle. When I was at Polytechnic, my parents came down to coventry in the sierra, and got me to drive them to Birmingham airport, and I was tasked with looking after the car, driving to brunnel university to move my sister home for summer, and drive back to pick them up from their hols 2 weeks later. The fact that I also drove to Newquay to go surfing is perhaps more than they'd agreed to but hey. I did 2000 miles in 2 weeks.

What if the stereotypical modifications were actually the parents idea. I'm what they call middle aged, I've 'improved' various cars over the years, although I don't like loud music, I do like loud exhausts. And whilst I like my comfort I've also fitted GSi suspension and brakes to a 1.4 astra, to go with the 195 tyres instead of 155.

I have an Astra GTE bonnet vent waiting to go on the bonnet of the cavalier.

My 17 year old son thinks these ideas are stupid.

I digress. Why are there so many UNinsured drivers out there ? Cost ?

[mikey72]

To answer the op, (sort of)
My daughters insurance was about £550 tp f&t with footman james on a 998cc mini, with european breakdown cover, age 17, just passed her test, on her car.

Edited by mikey72, 14 October 2010 - 04:51 PM.

[Jacko-lah]

To answer the op, (sort of)
My daughters insurance was about £550 tp f&t with footman james on a 998cc mini, with european breakdown cover, age 17, just passed her test, on her car.

Recently ? Did he get a sex change ? I ask because the risks for males is much greater and it might be cheaper to have surgery.

[danrock101]

First off, there is NO one cheap insurance company, obviously there may be some cheaper ones but there's more variables than just age! I found RAC to be cheapest for me, but that's just me, my mate who also has a mini found M+S to be cheapest, it's totally random the only way to get the cheapest insurance quote is to ring up every insurance company and go on all the comparison sites, it is however worth trying companies like Adrian Flux, Footman James etc as I frequently hear of 17 year olds with sub £1k quotes with people like them. I'm 18 and cheapest I've found for a 998cc mini is just under £1200 fully comp, that's with a years no claims bonus and without mods claimed, which I've got so it will be double that lol, I haven't tried calling Adrian Flux and Footman James but I intend to when I need my insurance renewing, one of those 2 you can get TMF+ discount too, might be 5% or 10%.

[callumsfirstcar]

thanks:)