help me out please....

[scott07]

im turning 17 next week and was wanting to get a vtr for my firt car...

so i was lucking at insurance quotes and if i am on my mams policy it was 1400 which i fink is ok with quinn direct oh n thts fully comp bt thts with me with a provisional licience but if i put full uk it goes up 2 2600 n i was just wondering if i insure it on provisional n thn pass in a couple of months what happens?

is the insurance still valid?
will i be able 2 drive it?

will some one help me out please....

thank you

[johnny_vts]

Hi mate,

You have to declare to your insurer when you pass your test (otherwise your insurance becomes invalid); hence your insurance will then take into account that you'll be driving unaccompanied and is likely to increase. It may be worth shopping round to see if you can get cheaper quotes with a full license.

[Scattle]

AS above^^, once you have passed you have no one to help you as such if a situation arises, and you are still a risk, so it rises. I think it will invalidate the policy if you don't tell that you have passed. Have a look www.endsleigh.co.uk or brentacre are pretty good. Adrian Flux has a discount with sax-p aswell.

[scott07]

thanks 4 the info

if thers any 17 year olds with a vtr who looks at this will they please tell me what they paid for their insurance n who with thanks xx

x

[liamduffett106]

i was with quin direct, on my first car a 106 1.1i. I rang them up to insure it on a provisional licence was 1175, just to practice for my test. Then when i passed (expecting to pay 200 quid more as i had quotes for when i had passed) told them over the phone and was not asked to pay anything extra :D

[scott07]

ohh i minte ring them up them if its lyk tht... thts what i was wondering thanks for that liam

xx

[Sir_swann1989]

Same here m8 ... Im insured with quinn .. insured my car as provisional 12th feb at 10 O'clock at night and passed my test at 11:11 AM 13th feb ... notified them about an hour later and didnt have to pay any extra ... started driving there and then ...

[scott07]

well i defo duin tht itl save me abrt a grand :P

[Jake007]

thanks 4 the info

if thers any 17 year olds with a vtr who looks at this will they please tell me what they paid for their insurance n who with thanks xx

x

Turned 17 last month, i'm with Quinn an drive a VTR, it was £1291 on my own third party fire an theft.

[scott07]

if i do that its £1400 tpft on my own policy.

so what do you reckon is the best own policy tpft or.....

on my mams policy fully comp

there both just about the same price.

[Jake007]

Yea, fully comp will be better definatley, if you can afford comp it's worth it, but under your mum do you get your no claims bonus? Quinn said i wouldnt get my ncb if i was a named driver under my mum/dad! Aslong as i don't crash in the 1st year i should be alright.

Jake

[scott07]

no i wouldnt get any no claims bonus bt oh well...

and im shure u wont :)

x

[Jake007]

lol I will hold you to that! Jake

[polan]

well i was 19 and with a 1.2 clio paying 1.5k lol with a poo company tho a-plan insurance then about 1.3k at 20 for a 1.1 saxo in red :( so insurance is bad but then i had a poo company if u r staying with quinn fair enough but i think bell r good which who i wanna go with next atm with elephant who aint bad neither but soon as i passed i went on my own insurance no one elses that way u can build your no claims up yes it will cost a bomb on insurance for first year but soon as u get that one years no claims i really helps a bunch r sure u want insurance group 7 vtr tho as a first ? the 1.4 furio is a 5 and prolly a bit cheaper not sure how much cheaper tho tis up to you tho :)

[scott07]

ino what ur sayin but its only £200 cheaper 2 insure a furio 1.4 than the vtr so tbh id rather pay £200 quid more and drive a vtr.

neway thanks 4 ur advice x