My Master Plan... Legal??

[smiith]

Well, since im gettin banned, doubt insurance will touch me when i tell em i have 14 points when i take my test again...

So, i was thinking, if i insure my saxo,with no tax, as off the road, in my garage, doin 0 miles a year....

But with Quinn, i do the usualy "drive any car 3rd party F&T" and then buy a new car, put the car in my mums name.

Would i be able to drive it as much as i wanted with the drive any car?

and would she need to insure the car so i could drive it on my insurance?

Legal? would it work?

[JimoVTR]

thats called fronting.
so, not really

[smiith]

its not fronting though is it.... the car isnt insured for sum1 else to be driving it while i am, my insurance covers me to drive any car 3rd party, doesnt say how much...

[dannyc]

but your banned, so u shouldnt be driving aything surely?

[phillyh]

I thought that, you shouldnt be driving at all should you matey?

[smiith]

no,i gota redo my test, i mean when i get it back.. they wont touch me on a vtr, so if its just insured as been in the garage and off the road, it wont cost alot, coz thats where it will be, been converted to track, so i will need another car, but insurance will suck on 2 cars, so if quinn let me drive anything, if i got another car in my mums name, i could drive with quinn covering...

[Luke]

Nothing wrong with that if I am reading it right.

You want to get your own insurance where you can drive any car 3rd party?

You Mum gets a car, insures it in her name and you drive it on the yours, correct?

[Payney]

How can he drive a car with NO LICENCE?

[Mr_suv]

hes talking in the sense of when he gets it back i presume! i dont really see anything wrong with that at all tbh but id let one of the insurance gurus answer your question and listen to thier advise.

[kezajones]

you need the car to be insured properly by someone else otherwise when you leave the car it will effectively be uninsured

[Paul]

Your mum would have to insure the car.

Your only 3ptft on insured cars.

Makes sense?

So you mum buys a car (which im guessing you'll pay for but have it in her name)
She insures it as hers.
You insure your car that you will never drive, 0 miles a year w.e
Then drive your mums car that shes paid for?

Should be ok. but bear these costs in mind:

The money you will have to give your mum (to buy the car and insure it herself)
The money you will have to give insurance company to insure your 'off the road' car .. still will cost quite abit i think.


^I think thats what your saying.

Will make it clearer for one of the insurance guru's to tell you if its legal or not.

[Noddy]

above makes sense, however, insuring the R will be very hard as you will have to state that you have been banned for xyz reason. Any insurance company will bend you over for this royally..

[TU-Tuning]

Its do-able yeah. Could probably even insure a shitty 1.1 metro, and put your VTR in your mums name and get her to insure it, then drive it under the third party thing.


Would get complex if you crashed though, they are very very likely to investigate it further and find out if youve been driving it more than her

[Quick]

If its a zero miles (garage policy) it probably won't have the other cars part on it!

[jae-jae]

ye i reckon you'll get away with it mate =]

[shooorn94]

you're asking about the whole; drive anyones car under your insurnace aren't you smiithy?

So you'll insure the R for cheapness but have a wad of dosh on top to pay due to the "drive anyones car" part. And you just simply want to drive your mums car every so often?

But you state you'll be buying it, and your mum just insuring the car in her name with you not as a named driver, therefore not fronting-technically.

That seems fine to me, and should be fine :y: but I thought the drive anyones car, was for over 26 year olds?

[Ashleyp]

Nothing wrong with that if I am reading it right.

You want to get your own insurance where you can drive any car 3rd party?

You Mum gets a car, insures it in her name and you drive it on the yours, correct?


thats the impression i got too

if thats the case, then it should be fine i think! best way is to speak to an insurance company and see what they say.. or get a few quotes and see if its cheap

[smiith]

Its do-able yeah. Could probably even insure a shitty 1.1 metro, and put your VTR in your mums name and get her to insure it, then drive it under the third party thing.


Would get complex if you crashed though, they are very very likely to investigate it further and find out if youve been driving it more than her

the VTR is getting a S engine and a cage and becoming a track car...

but i want a clio 1.8 16v.

so if i insure it 3rd party for her, put the car in her name, il be reet to drive it :)

thats all i needed to know :)

god im good

[smiith]

you're asking about the whole; drive anyones car under your insurnace aren't you smiithy?

So you'll insure the R for cheapness but have a wad of dosh on top to pay due to the "drive anyones car" part. And you just simply want to drive your mums car every so often?

But you state you'll be buying it, and your mum just insuring the car in her name with you not as a named driver, therefore not fronting-technically.

That seems fine to me, and should be fine :y: but I thought the drive anyones car, was for over 26 year olds?


quinn do it with anyone over 18 :)

[Luke]

You received your letter yet Glenn?

[Kelly]

If I were you I would query it with the insurance company as I'm sure there will be some small print somewhere stating that the 'drive another car 3rd party' thing will be limited and not an everyday/regular thing. So if you were to have an accident or something then they may not pay out. I'm not sure on this one but I'd check it out if I weret you

[Yates]

companies are clamping down on this kind of thing, do you not think hang on this lad wants to insure his car that does 0 miles a year off road, yet wants the option to drive any other car 3rd party...

plus despite the fact it could be declared off road, it still insurance group 7 and you have the points so they may not even insure you, let alone offer you the option of driving any other car.

they are wising up things like this, someone buys a shit box then drives another more expensive car around 3rd party. plus if they find out you drive another car more than the person whose insurance policy it is, they can refuse to pay out i think, if they find out your the main driver.

just wondering what kind of car were you thinking of gettin in your mams name?

personally wouldnt do it

[Yates]

also are you going to declare the s engine in the vtr? to take it on track some places it has to be road worthy, would have to get tax and mot on it, and depending where you take it some places may fail you for having it down as a vtr and having an s engine in

[Paul]

also are you going to declare the s engine in the vtr? to take it on track some places it has to be road worthy, would have to get tax and mot on it, and depending where you take it some places may fail you for having it down as a vtr and having an s engine in

Theres a million and one garages out there that will give him a MOT for extra £££ ..

[Kelly]

Theres a million and one garages out there that will give him a MOT for extra £££ ..

well they are mugs cos ones like that eventually lose the right to conduct mots. guy at a garage near me used to do stuff like that all the time. got grassed up and now he can't do mots. bit silly imo

[Yates]

Theres a million and one garages out there that will give him a MOT for extra £££ ..

personally i wouldnt encourage that

back to the master plan, is it not some kind of fraud if hes not listed on the insurance policy as a named driver of the car he plans to buy for his mam, yet would be driving the car and would be the main driver?

[Danr]

I know that Quinn don't cover you on all cars. Needed to drive DAmo's car once and they said no, no, no.

[PosiBlue]

Think you only get the third party on other cars if you have a fully comp policy. You would have to insure your off-the-road R fully comp so it would defeat the object.

[Paul]

I know that Quinn don't cover you on all cars. Needed to drive DAmo's car once and they said no, no, no.

When i rang quinn last year they told me i dont need to tell them about any mods that dont increase performance and i am insure on any other vehicle aslong as it's insured by another person. =\

[Payney]

Who bad repped me? I never knew he was on about when he got his licence back?

LOL at whoever it was, your a joke.

[Danr]

When i rang quinn last year they told me i dont need to tell them about any mods that dont increase performance and i am insure on any other vehicle aslong as it's insured by another person. =\

They said it was an age thing. As in some companies won't insure young drivers on certain cars. My old insurance company wouldn't insure me on my gti meaning i had to change.

Who knows.

[Ashleyp]

if he said his saxo was strictly for track, then surley it wouldnt be on road anyway? just wants insurance mainly in case someone breaks in or something.

therefore needs the use of a run-around (mums car)

[Andy72]

having a car sat up a garage is a differnet type of insurance. Normal insurance companies wont cover normally as theres nothing stopping you from getting it out and driving around even though yo said it would be off the road. There are specialist companies that offer this kind of thing, mainly for project or stored cars to cover theft only ie not 3rd party risks.

These types of covers will also not provide use of another car 3rd party only. In their view, your insuring a car which is off the road against theft. Why would you need 3rd party cover on another car?

[Karl]

is fine, or should be fine.
0 miles a year though.
didnt think that was an option.

[Jim-Bob]

i love the sound of ur plan m8...

finking of copying its that gd :y:

wanna get a vtr nxt year wen i can afford...so wos gunna sell the vtr to pay for the insurance...but i could keep the 1.1 insured cheaply wiv drive any car and drive the vtr...declare the 1.1 off the road and keep it till my brother is old enuf to start driving

genius!!!

james

[Yates]

i can drive any car but it was an option on my insurance, can be costly, only cost me 15 quid, never had it as an option before on any company when going for quotes

Andy has also made a good point, wasnt too sure on it myself why i never said anything.

but with your master plan it still screams fraud and illegal at me