TMF Mug
Posted 07 February 2012 - 11:42 AM
Do you have an older brother or sister? Putting them on your insurance works better than your parents as putting parents on your insurance doesnt do anything anymore but siblings whom are older have a major affect on your insurance.
There's a guy at my college driving skyline because both his brother and sister are on his insurance and he's only 18
Up Into Fourth
Posted 07 February 2012 - 11:46 AM
One Carb Or Two?
Posted 07 February 2012 - 12:12 PM
I bet its stupidly small, like the cost of packet haribo lol
I am a shed dragger.
Posted 07 February 2012 - 12:17 PM
I bet its stupidly small, like the cost of packet haribo lol
Haribo prices have risen faster than insurance!
TMF Mug
Posted 07 February 2012 - 12:20 PM
I bet its stupidly small, like the cost of packet haribo lol
Up Into Fourth
Posted 07 February 2012 - 01:07 PM
I bet its stupidly small, like the cost of packet haribo lol
Haribo prices have risen faster than insurance!
Mini Mad
Posted 07 February 2012 - 01:24 PM
Mini Mad
Posted 08 February 2012 - 12:45 PM
Best company I found was Adrian Flux. I'm 19, with an accident and mods declared my quote was £690. Cheapest I got on comparison sites was £850. They gave me quite a big discount because I said I was a TMF+ member and a member of another local club. Try then out.
On The Road
Posted 09 February 2012 - 07:27 PM
Hi man I think you've got the total wrong end of the stick, I was just using me as a named driver on my mums policy for a mini as an figure to compare it to. The price for me as the main driver of the mini is actually basically the same as being a named driver so I wouldn't gain I would probally loose out in the end as I wouldn't have a NCB.
Try LV they're usually quite good, gave me a quote as a named driver on my mums insurance for a 998 and it came to £640 odd something... And I'm 18 and have only been driving 8 months! I expected it to be around 2 grand!
Also yeah like 'Dog.' says comparison sites are dodgy and if you renew with them they charge you extra, try sites with online discounts etc.
It's worth noting that you are technically uninsured though. I can get insurance for free if I just drive uninsured so £640 is a lot to not be covered.
Worth paying extra to know they would pay out if you did have a crash!
Beej is quite right, unless that actually is your mothers car and you really are only a named occasional driver on it, then you are probably committing an insurance fraud known as "fronting". People naively seem to think that they will get away with this, just because the V5/log book and the insurance is in their parents name and that no one will know ever that they are actually the main driver. However insurance companies are much more aware than people seem to give them credit for. As "fronting" defrauds insurers of thousands and thousands of pounds in premiums, they are very wise to it these days.
If a parent suddenly acquires a small low powered second car and then coincidentally also insures one of their teenage off spring on it as a named driver, any insurer will automatically be suspicious from the outset. In the event of any collision they then find the teenage "occasional driver" to actually be driving, they have a variety of detection and investigatory methods to try and establish just how occasionally the named driver is driving (including going on to insurance areas of well known motoring forums, to read posts by people who are boast about how cheap their premium is on their mums policy!!). The point is that they don't actually need to be able to prove in a court of law that you are committing a fraud, they just need enough evidence to prove beyond reasonable doubt that you are not just an occasional driver, in order to invalidate your policy.
If however you are lucky enough to have a parent that genuinely lets you drive there existing car once you have passed your test, then being a named driver on their policy will usually be readily accepted by an insurer and it's unlikely to cause any suspicion. But I'm afraid that an extra car that is bought and insured in your parents name for you to drive "occasionally", just screams of "Fronting". Like Beej says £640 is an awful lot of money to pay for invalid insurance.
probally to the happiness of my mum hahaha.
Starting My Mini Up
Posted 09 February 2012 - 11:04 PM
Hi man I think you've got the total wrong end of the stick, I was just using me as a named driver on my mums policy for a mini as an figure to compare it to. The price for me as the main driver of the mini is actually basically the same as being a named driver so I wouldn't gain I would probally loose out in the end as I wouldn't have a NCB.
Try LV they're usually quite good, gave me a quote as a named driver on my mums insurance for a 998 and it came to £640 odd something... And I'm 18 and have only been driving 8 months! I expected it to be around 2 grand!
Also yeah like 'Dog.' says comparison sites are dodgy and if you renew with them they charge you extra, try sites with online discounts etc.
It's worth noting that you are technically uninsured though. I can get insurance for free if I just drive uninsured so £640 is a lot to not be covered.
Worth paying extra to know they would pay out if you did have a crash!
Beej is quite right, unless that actually is your mothers car and you really are only a named occasional driver on it, then you are probably committing an insurance fraud known as "fronting". People naively seem to think that they will get away with this, just because the V5/log book and the insurance is in their parents name and that no one will know ever that they are actually the main driver. However insurance companies are much more aware than people seem to give them credit for. As "fronting" defrauds insurers of thousands and thousands of pounds in premiums, they are very wise to it these days.
If a parent suddenly acquires a small low powered second car and then coincidentally also insures one of their teenage off spring on it as a named driver, any insurer will automatically be suspicious from the outset. In the event of any collision they then find the teenage "occasional driver" to actually be driving, they have a variety of detection and investigatory methods to try and establish just how occasionally the named driver is driving (including going on to insurance areas of well known motoring forums, to read posts by people who are boast about how cheap their premium is on their mums policy!!). The point is that they don't actually need to be able to prove in a court of law that you are committing a fraud, they just need enough evidence to prove beyond reasonable doubt that you are not just an occasional driver, in order to invalidate your policy.
If however you are lucky enough to have a parent that genuinely lets you drive there existing car once you have passed your test, then being a named driver on their policy will usually be readily accepted by an insurer and it's unlikely to cause any suspicion. But I'm afraid that an extra car that is bought and insured in your parents name for you to drive "occasionally", just screams of "Fronting". Like Beej says £640 is an awful lot of money to pay for invalid insurance.
and also sorry for going quiet guys passed my test on Friday and was out in my mums car was put on the insurance for a week (£45 not bad) but it sadly runs out tomorrow dinner time
hate living in a shitty area!
Mini Mad
Posted 27 February 2012 - 05:36 PM
Best company I found was Adrian Flux. I'm 19, with an accident and mods declared my quote was £690. Cheapest I got on comparison sites was £850. They gave me quite a big discount because I said I was a TMF+ member and a member of another local club. Try then out.
Is that a classic car policy? or can you build a no claims bonus?
Up Into Fourth
Posted 27 February 2012 - 11:46 PM
I bet its stupidly small, like the cost of packet haribo lol
Haribo prices have risen faster than insurance!
Ha, Icelands £1 my friend
Still £1200 a year thats bloody good for a skyline
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