58 replies to this topic

[Dolly 89]

right well basically it has all been said before but it might help to hear it from more people
i dont know if you already have but make sure the insurance company know that you are on a provisional licence
about the driving any car thing it is only with certain companys i looked into it this year and found the companys that offer it where alot more expensive so i never bothered with it

[wolfie]

You said I was assuming I could drive any car because my dads car is insure fully comp... however I never once said that

In december I will be looking to insure my mini and was wondering whether or not fully comp would allow to drive any car... you're still wrong...

Oh and also: the know it all attitude and name calling is poor

... You really are a jumped up idiot .... little bit hypocritical..

oh my word read what your typing you really need to wind your neck in, several people here have given you good sound advice about non disclosure and you had to courtesy to call them diicks not nice not big and not clever, i called you an idiot yes a name but not hypercritical considering how you have thrown peoples sound advice in there faces and what you have actually posted, personally i would call it a statment rather than name calling but read it how you will you clearly just pick bits from whats written anyway, anyway what do i know i have only been insuring my cars vans and bikes for 22 years your 17 and know everything about insurance.

I asked you a question, are you asuming that you can drive other cars? i asked if you had actually read the policy? you get defensive and start with the attitude, the facts are its very unusual for a named driver to drive other cars on a fully comp policy its also very unusual for anyone under 25 to be covered to drive others cars and if you actually read the policy you might actually find this out, you cant have a pop at people for beliving your non disclosure when you are being very evasive with the facts.

As stated you have a very poor attitude, if you have not disclosed information this is as bad as giving false details, i pick up 2-5 section 169's a weekend and its actually very unusual for the driver to know they were not properly insured, still if people like you want to line my pockets then knock yourself out.

Edited by wolfie, 22 October 2010 - 08:58 AM.

[newbambeeno]

Non-disclosure is a pain in the rump steak!

When I was 18, some bloke crashed into the back of my Mini, it was only a little job to fix, but I was without my her for about 4 days, and, at the time I was working out of town so needed my car for commuting to work. I had free courtesy car on my insurance for this very reason, I simple couldn't do without a car at the time.

So, my insurance company were all very nice, and they got somebody to pick me up from work, drive me to their place and offered me a Ford Ka with about 500 miles on the clock. It was all lovely and everything on it smelt of new car! So, I'm signing all the papers, promising them I won't drive everywhere at 90mph drunk and without my glasses, all well and good.... They then call my insurance company, just to inform them, "He is driving 'Reg plate' for the next 4 days...the insurers then asked to speak to me. They were asking for £180. Turns out, because I was under 21 I wasn't covered by the car hire company and so I had to change my personal insurance for the 4 days. I argued (as you would) and they told me because I didn't tell them I was under 21 it was up to me to pay this amount. If I had told them I was under 21 they would of offered to make my insurance £20 more for the year to cover courtesy insurance. I was baffled and asked them what they have my date of birth as, and they obviously know how old I am etc as it's all in my insurance details.

Turns out, in the small print, when I got my documents, I was supposed to phone them and ask for this £20 extra.

So yeah, despite them knowing I was 18, they didn't know I was under 21. I eventually got them to pay £90 and me to pay £90, but it was still a kick in the teeth. You can't be too careful, you might be sold insurance by somebody on the other end of the phone, who isn't paying attention, on their first day at work or just not up to scratch. Their lawyers on the other hand will be paying attention and right on the ball as soon as you want to make a claim.

[Lloydie Boy]

i hate insurance companies. when i had a minor insident and it went 50-50 but i made no calm and the other guy did so it was on his own insurance not mine they still took my no claims bonus becuase they could was the reason i got.

also i got the because we can reason when i asked why if i wanted to pay monthly they can put a extra £600 on the policy price!

check gits aint they. i know a guy who works for a insurance company and he said the same. they will take you to the cleaners for any little detail!

[CooperMad93]

I think i got very fair insurance for my age (17) was £2700 on my polo (a lot i know but a lot cheaper than most cars) its the no claims which knocks off the £££. I told the insurance that I had passed and required cover for my full uk license, because you cant have provisional insurance if your a passed driver now... got fully comp which does allow me to drive registered owners cars with their permission e.g my dads 4x4 but its 3rd party when in that car,but I wouldnt even bother trying to manipulate what you say to the insurance companies, if you lie it will come back to bite you when you come to claim

e.g

Got a standard polo here 1.2 ...
*crashes it into a nice porshe and then claims*
"ok your policy states that your car is standard"
haha...about that... *lifts bonnet up to reveal in fact a 1.8 supercharged engine*
well...thats not standard is it...VOID

end of that and you now face paying a hefty price for that porshe you just smashed up not to mention the money towards that policy is down the drain...

- slightly off topic but cant wait for my next car (hopefully a mini 1275) standard. looking at about £1000 to insure with 1 years no claim

So to sum up all of this... just tell them your on full now not provisional

[minili]

I think i got very fair insurance for my age (17) was £2700 on my polo (a lot i know but a lot cheaper than most cars) its the no claims which knocks off the £££. I told the insurance that I had passed and required cover for my full uk license, because you cant have provisional insurance if your a passed driver now... got fully comp which does allow me to drive registered owners cars with their permission e.g my dads 4x4 but its 3rd party when in that car,but I wouldnt even bother trying to manipulate what you say to the insurance companies, if you lie it will come back to bite you when you come to claim

Not at your age it doesn't Very rarely anyway - check the wording verrrrry carefully before you go galavanting in someone else's car!

just tell them your on full now not provisional

And they will refuse to pay out in the event you have an accident before you pass your test.

[spi-bwk]

There's normally clauses in your insurance that state that if they can prove that you are in fact driving the 'insured' car on a very regular basis as opposed to simply being named on your parents insurance they will void it. This prevents young people from simply paying x amount and then living forever off their parents insurance. I am not saying that this is the case here, simply stating that these MASSIVE companies and EXPERTS in evasion, laws, etc etc (thats how they make their money after all) will probably know every trick in the book and so will have a clause, loop hole or adviser to assist them in getting away from paying out.

i work a lot with claims and have to go to court on a regular basis as a witness to defence and a phrase that comes up an awful lot by the judge is; "Naivity is no excuse and is not recognised in a court of law".

Food for thought.

If you got a good deal and it's all there in black and white and you've checked the details then fair play to you, go and buy some cool stuff with the same money but 'name calling' won't win you any friends - be it online or should you want to meet up (once you've insured your mini)

Theres my $2 worth.

[Mini Adam]

I think i got very fair insurance for my age (17) was £2700 on my polo (a lot i know but a lot cheaper than most cars) its the no claims which knocks off the £££. I told the insurance that I had passed and required cover for my full uk license, because you cant have provisional insurance if your a passed driver now... got fully comp which does allow me to drive registered owners cars with their permission e.g my dads 4x4 but its 3rd party when in that car,but I wouldnt even bother trying to manipulate what you say to the insurance companies, if you lie it will come back to bite you when you come to claim

e.g

Got a standard polo here 1.2 ...
*crashes it into a nice porshe and then claims*
"ok your policy states that your car is standard"
haha...about that... *lifts bonnet up to reveal in fact a 1.8 supercharged engine*
well...thats not standard is it...VOID

end of that and you now face paying a hefty price for that porshe you just smashed up not to mention the money towards that policy is down the drain...

- slightly off topic but cant wait for my next car (hopefully a mini 1275) standard. looking at about £1000 to insure with 1 years no claim

So to sum up all of this... just tell them your on full now not provisional

£2700, and you think that's very fair!? That's ridiculous. Also, the whole thing about driving someone elses car with their permission only applies to people aged 25 and over.

[charie t]

which means I'll also be insured dad's car when I've passed too (the insurance doesn't specify that it's for a provisional licence only)

So before you've even started driving started, you are planning to commit insurance fraud?
The insurance is cheap because part of the policy states you have to have a appropriate person accompanying you, its basically allows you lessons. I have added a friend on a provisional licence for £20 for 6 months before. Once you pass that test it will rocket up to the crazy prices every one is paying right now.

[mt2man]

When i first started driving (almost 2 years ago) i paid £609 for insurance on a 1.2 corsa as a learner drive, i phoned them once i passed my test and it went up £631 which i thought was fair enough!

But, reading my policy it clearly stated i was insured to drive any other insured vehicle with the owners permision, i too was sceptical but phoned them up and it turned out i was allowed to drive any other car, at 17?! I was so happy! haha, especially since my dad let me drive his 2.5 turbo Nissan Skyline a few times .

So really insurance makes no sense, at all, your best bet is to just phone them and go through all your details and make sure they are right, and make sure you know what you are entitled to.

[MiniLuke]

When i first started driving (almost 2 years ago) i paid £609 for insurance on a 1.2 corsa as a learner drive, i phoned them once i passed my test and it went up £631 which i thought was fair enough!

But, reading my policy it clearly stated i was insured to drive any other insured vehicle with the owners permision, i too was sceptical but phoned them up and it turned out i was allowed to drive any other car, at 17?! I was so happy! haha, especially since my dad let me drive his 2.5 turbo Nissan Skyline a few times .

So really insurance makes no sense, at all, your best bet is to just phone them and go through all your details and make sure they are right, and make sure you know what you are entitled to.

Yes, but you will most likely only have 3rd party cover on any other vehicle you drive with permission, therefore if you crash it they will not receive anything to repair their vehicle. That's the point, they give permission, and the insurance company are off the hook for that car..... take care in the Skyline won't you.....

[Dan]

You should also check the policy document (not certificate - the policy) very carefully because the driving other cars clause always excludes other cars owned by yourself and very frequently other cars owned by your household. Which would include your Dad's Skyline.

[Mini Adam]

When i first started driving (almost 2 years ago) i paid £609 for insurance on a 1.2 corsa as a learner drive, i phoned them once i passed my test and it went up £631 which i thought was fair enough!

But, reading my policy it clearly stated i was insured to drive any other insured vehicle with the owners permision, i too was sceptical but phoned them up and it turned out i was allowed to drive any other car, at 17?! I was so happy! haha, especially since my dad let me drive his 2.5 turbo Nissan Skyline a few times .

So really insurance makes no sense, at all, your best bet is to just phone them and go through all your details and make sure they are right, and make sure you know what you are entitled to.

Yes, but you will most likely only have 3rd party cover on any other vehicle you drive with permission, therefore if you crash it they will not receive anything to repair their vehicle. That's the point, they give permission, and the insurance company are off the hook for that car..... take care in the Skyline won't you.....

You're only ever insured TPFT when driving someone elses car..

[tangerinebean]

To be fair you are quite lucky to get fully comp on most mini, a little while ago, (it may have changed) a lot of companies refused to supply fully comp insurance on cars worth less than £5000.

It also pays to experiment, when i was younger i added my mum and dad to my policy as named drivers and the price came down a lot.

You have to find the best combination, i think it came down when added my mum but then when i added my dad it went up a bit.

I agree with most others on here, you have to read the Ts & Cs of the insurance with a fine toothed comb, the insurance are buggers for rooting a way out, but they may also tell your old man that is all ok, because while they are taking your money then its fine.

But when you need them they will back track like no tomorrow, tip though, the "these calls may be recorded for training purposes", helps, because they can listen to the conversations back, if you had to go to court it can really work in your favour if you were mislead by them.

But as mentioned before, ignorance is no excuse, which is why its so important to read through it all, the information on the insurance certificate isn't enough if there is loads of clauses in the policy documents.