More th>n

[Josh_24]

just got in sured fully comp for 1200 quid
its on a new policy were they put a tracker in your car
and your insured from 6am to 11pm
im gunna have to grin and bare it cause its saved me well over 2 grand

[David]

So if you're insured between 6am-11pm, what happens if someone breaks in at 2am?

[Josh_24]

i think im still covered for theft not to drive the thing
they fit a tracker so if it goes missing then they will in form me

[b0t13]

u get charged alot for driving out them time limits. so make sure u dont get an urge to use it at night..

[Josh_24]

its 25 quid
but im happy with the price
itll do for my 1st year fully comp
just glad im on the road

[shooorn94]

I couldn't stand a tracker system as I tend to go out/come home at night in my sax. Although it could of saved my old saxo :(

Good to get insured at such a low price. With more than when I was 17 with pass plus I was to be charged £2500 tpft.

They love us young-uns ;)

[Barry123]

itll do for my 1st year fully comp
just glad im on the road

nail on the head. yup its an expensive thing insuring a car... you've made some smallish sacrifices to get it to an acceptable price.

enjoy driving :)

[Dez]

tbh that takes the piss! is it £25 everytime you drive out of their " peak times "?

[Pat_Vts]

im insured with more than fully comp for 600 pounds... does that mean i have to drive at times?... :S

[kristel10589]

im insured with more than fully comp for 600 pounds... does that mean i have to drive at times?... :S

Not unless you specifically chose for pay-as-you go insurance. Their other Insurance is just normal.

[VTR_Dan_VTS]

wonder how much a vts would cost for me at 18 with that system? Its a good one! But why the fuck have they chose 6am till 11pm?

[kristel10589]

wonder how much a vts would cost for me at 18 with that system? Its a good one! But why the fuck have they chose 6am till 11pm?

Too high risk, they won't insure you. I've already tried that :(

[Spanky]

why didnt your mam/dad just be kind and insure it for you? by that i meen, my saxo is registerd to my mam, and im a named driver and we both use it "ahem" cost me £450! its the way forward! and i can use it 24hours a day :P

[kristel10589]

why didnt your mam/dad just be kind and insure it for you? by that i meen, my saxo is registerd to my mam, and im a named driver and we both use it "ahem" cost me £450! its the way forward! and i can use it 24hours a day :P

then you never build up your no claims!!!

[Spanky]

then you never build up your no claims!!!

Technicaly your wrong, you get all these companies saying named drivers get their own no claims blah blah and they use it as a selling point, but in reality, say i go to a different insurer, more than HAS to say i have not had a claim regardless if i was a named driver or not, thus prooving i have however many years no claims.

for example

my mum was with an insurance comapy thru the MG Owners Club and she done it online for 3 years, not knowing that you dont get a no claims bonus if you do it online (stupid i no!) but when she went to more than her old insurance company HAD to say she hadnt had a bump, so more than took it as 3 years no claims!!

so all this about named drivers not geting no claims etc is a load of pap really :A: :A:

[Siders77]

why didnt your mam/dad just be kind and insure it for you? by that i meen, my saxo is registerd to my mam, and im a named driver and we both use it "ahem" cost me £450! its the way forward! and i can use it 24hours a day :P

Good luck if you have a crash :y:

[Spanky]

how you meen by that? im coverd fully comp on it, so me having a crash in it wold be no different than my mam having a bump in it ........

[Siders77]

If they find out that you've been driving it all the time (Which they will) and you have a crash then they won't pay out.

[VTR_Dan_VTS]

stop the bitchyness ;)

[Siders77]

Not being bitchy, just letting him know ;)

[kristel10589]

If they find out that you've been driving it all the time (Which they will) and you have a crash then they won't pay out.

Yep that's right, Therefore your £450 is a waste of money because your insurance is invalid anyway. Good luck if you crash into a Bugatti!!

[Spanky]

lol believe me ill be fine, and i dotn drive it all the time as im insured on the saxo and on a MG ZR so i have each for about 2 weeks each, so technically i dont drive it all the time :)

[Siders77]

But you say "we both use it "ahem" " So to me it seems that you're saying that your mum doesn't use the car and you do, even though you drive it for about 2 weeks YOU still drive it all the time, when the car is being driven. If you get what I mean.

[xxxvickxxx]

your mum has to drive it more than you for your policy to be valid!


but on topic i couldnt stand not driving after 11pm wouldnt have a life if i couldnt go out lol

[Spanky]

yea, but my mum also drives it, so technically they cant proove who has it more as its never in the same place more long periods of time, really... and i have cctv evidence incase anyone else tried to say otherwise lol either way id find away round it lol

but yea as you lot say it is risky, but its saving me a god damn bomb!

and if i crashed all by myself a wudnt bother claiming anyways, my own fault then!

[BBL]

not for most people, i work shifts so they can hardly offer that to me aruond those hours lol

[VTR_Dan_VTS]

never been so sure on the policy and rules of driving a car thats in your mums name and your on the insuance policy.... loads of my mates are like.. OOO YEAH £300 a year on VTR fully comp... and im staying genuine paying £1500!

[Spanky]

oh ill be going genuine eventually lol just money is tight at the mo and didnt want a poncey 1.poo lol! all get a few years no claims behind me and it will be in my name!!

[Oroblram]

How long do you get for driving without valid insurance cover nowadays?

I pay £1800 for my full comp insurance, if you cheat the system it will screw you.

[Spanky]

yea well if i get screwed its my own fault, no one elses and its a risk im willing to take to save myself around 2500 (got quoted 3k for my vtr fully comp :O

[Oroblram]

What happens if your insurance is found to be void and you do massive amount of damage or worse, hurt somebody else.

I cant see how people can justify there actions, just because they don't want a "1.poo" they are willing to cut corners on insurance and risk serious prosecutions. The whole thing seems very selfish and with no respect for fellow man.

[Spanky]

What happens if your insurance is found to be void and you do massive amount of damage or worse, hurt somebody else.

I cant see how people can justify there actions, just because they don't want a "1.poo" they are willing to cut corners on insurance and risk serious prosecutions. The whole thing seems very selfish and with no respect for fellow man.


Well that is a matter of opinion, in my eyes anyways, anyways, it hasnt happend yet and im not wanting it to, so can we drop it? end of day im gettin a good deal and im happy with it, up to me what i do and up to you lot what you do, everyone has there own ways..... and this is mine :)

Chow For Now!

[VTR_Dan_VTS]

one big mess if you have an accident with someone else without being insured tbh!

[Spanky]

oh god man, i am insured !!! im coverd fully comp on the car, yea if they wish to go down the line of who has the car more blah blah let them do it, but untill that time comes (and hopefully it wont) im happy with what im doing regardless of what anyone else thinks, im coverd for everything except comuting which i dont do

[Oroblram]

oh god man, i am insured !!! im coverd fully comp on the car, yea if they wish to go down the line of who has the car more blah blah let them do it, but untill that time comes (and hopefully it wont) im happy with what im doing regardless of what anyone else thinks, im coverd for everything except comuting which i dont do

Not if your insurance is void, its not worth the paper it written on then.
Each to there own, I just don't understand why people take the risk.
Sure, your not alone, lots of people do it, but that doesn't make it right.

[Spanky]

oh i no it dont make it right and im not saying it is right either, but at the mo its going ok for me and i dont plan to do it forever you no!

but yea fair play if i have a bump im propbs in big poop, but ill jst have tomake sure i dont!!

thanks for the advice and info tho guys, but like i said everyone is different!

[shooorn94]

If they find out that you've been driving it all the time (Which they will) and you have a crash then they won't pay out.

Mate crashed his 306, his mum never has used his carand she was the main driver... and everything was fine :y: They don't find out, they have no way of finding out anymore. They only get suspicious if you crash more than once. As long as its registered to the policy holder it's fine.

[Spanky]

Mate crashed his 306, his mum never has used his carand she was the main driver... and everything was fine :y: They don't find out, they have no way of finding out anymore. They only get suspicious if you crash more than once. As long as its registered to the policy holder it's fine.

AMEN TO YOU MATE!

[BBL]

lol to all the arguing, Lock and delete?