is this illigal??

[dobbo_1]

right im insured with quinns direct and on my policy i can drive any car 3rd party im looking in to bm's and audi s3's but the insurance is ridiculous at 18 if i where to buy the car and put it in my mums name then get her to insure it on her own would i be able to drive it 3rd party if i keep my saxo and keep the insurance?

[Jaytee]

hmmmmmm probably not illegal if your not driving it a lot but if it can be proven that you use the car more than your mum you could get in trouble.

[dobbo_1]

ok cheers mate im going in the raf soon if all goes through so i just need something to spend more money on and cant afford to insure a group 18/19/20 car at 18 lol just looking for some ways around it

[Marcos]

isnt illegal just if you crash it then you left with a fooked car and noway of fixing it cheap

[dobbo_1]

yer i know but no way of me insuring the car i want for under around 10 grand fully comp god i hate being able to afford fast cars but not insure them:(

[Marcos]

you tryed bell? everybody was quoting me around 3k on golf i should be getting and they said £1200 worth a try if you havnt more to insure saxo 3rd party with them than golf fully comp

[dobbo_1]

yer wil ive been looking at m3's e46 shape st-3's , s3's and r32's anythink around 15 to 20 grand the insurance is just a killer

[dobbo_1]

just tryed go compare and got one quote of 12k on a m3 the rest wouldnt insure

[Mr_suv]

i got a quote though swinton on a m3 for 1533pounds made me think a bit , because im sure that chris knott or flux will gladly undercut that by a right chunk!

[dobbo_1]

yer i hate being 18 owel think i will get my mum to insure it and drive 3rd party

[bluearmy]

not illegal but check first as some insurance companys don't cover drivers under 25 to drive another vehicle on their insurance

[Mr_suv]

i was shocked im only 21!!! last time i tried it was about 8k 2yrs ncb does alot as well as living in a low crime rated area!

[dobbo_1]

yer have checked and my policy just states covered on any car 3rd party so think im sorted just want a nice car to show off tbh and quite fancy a ring trip in it;)

[Ocego_VTR]

You can afford to lash £20k on a car why drive a saxo :S

Best thing to do is buy a fezza st mate.

Oh if you live over the wirral your fucked if your seen in a S3 or R32 busys pull them over all the time mate.

[alex19]

I'd just make a monster of a perfect saxo with about 10k, never mind 20.

[dobbo_1]

You can afford to lash £20k on a car why drive a saxo :S

Best thing to do is buy a fezza st mate.

Oh if you live over the wirral your fucked if your seen in a S3 or R32 busys pull them over all the time mate.

joining the raf soon mate if all goes to plan i will be in january and i will be on a good wage so shud be able to get finance and a 52 plate m3 is only around 12/13k

[dobbo_1]

I'd just make a monster of a perfect saxo with about 10k, never mind 20.

im keeping the saxo to track as the raf will subserdise motorsport and track days:y:

[Ocego_VTR]

joining the raf soon mate if all goes to plan i will be in january and i will be on a good wage so shud be able to get finance and a 52 plate m3 is only around 12/13k

I've tried the 3rd party insurance trick so i can drive our scooby they limit you on insurance groups unfortuanly

[dobbo_1]

I've tried the 3rd party insurance trick so i can drive our scooby they limit you on insurance groups unfortuanly

got my polocy hear mate and it says any car up to 25k in value so its legal on that side the only problem i am going to have is with being away with the raf is if im on base 200 miles away from home if i get pulled i will have to think of excuses why i am in my 'mums' car

[Ocego_VTR]

yerr think they just say is this your mums car etc you get away with it i think mate

[dobbo_1]

sound will look in to it further, got a family friend who is a insurance broker will ask im where i stand over it all

[Ocego_VTR]

sound will look in to it further, got a family friend who is a insurance broker will ask im where i stand over it all

Good luck mate!

[dobbo_1]

Good luck mate!

cheers will need it, she dont know what she is insuring yet lol

[Stickyjam]

got my polocy hear mate and it says any car up to 25k in value so its legal on that side the only problem i am going to have is with being away with the raf is if im on base 200 miles away from home if i get pulled i will have to think of excuses why i am in my 'mums' car

borrowing it for the weekend...

[Curran]

i very much doubt you will be insured on any car upto 25k at 18 third party. it will most likely be in the small print that you have to be over 21 or 25.

it will probably be best just to ring and ask rather than reading all the small print.

you dont have to tell them you will be using it all the time, just as in general if you can drive other cars.

[craigy_87]

i pay extra for 3rd part cover on other cars, phoned them up to ask about age an they said its usually 25 an over when your fully comp but as i pay extra its ok at my age. Then again all i use it for is if i needed to use the gf's/mums/sisters car for a trip to the shop nothing more.

[dannyc]

getting pulled in a car that isnt in your name usually is not an issue.

They will do a quick insurance/stolen check, long as your name pops up on the insurance and there is no stolen indicators, you wont have an issue... My missus mum is a road traffic cop so ive already asked her in relation to something similar.

Dunno where u found that about driving others cars at your age tho, the 4/5 companies i tried were 25+. Nightmare really, cos my sax drinks fuel as it stands, so i just wanna borrow the others halfs motor!

[craigy_87]

yeah i got told by a mate it was 25+ an i pooped myself as i realised i was payin extra for it so phoned up an they said i was fine at my age as i was on a different type of policy an payin extra to drive other cars 3rd party aslong as there insured

[smiith]

you should read the small print on your insurance ;) if the engine has so much power you're not covered at all on the car.

Also hope you know you arnt going to make a fortune been in the RAF, you still pay money out while you are there, on food and living and stuff... its not just every weeks wage into the bank untouched

[saxowebby]

read the small print, need to be 21 and be insured fully comp

[m17vos_vts]

with quinn on any policy you are insured on any car tpft. i phoned them up when i was 17. i was the policy holder which enabled me to drive any ar tpft, got them to send it to me in writing.

[dobbo_1]

read the small print, need to be 21 and be insured fully comp

all policies differ mate and it clearly states any car 3rd party no ages restrictions

[craigy_87]

yeah doubt i'll be tryin to drive any supercars with my 3rd party cover
just the mum an sis corsa's

still worry abit even if i'm using them but no police have stopped me yet

[jamieowen112]

im with quinn and i drive my old mans 535i, ive been pulled in it for lookin ... to young in a flash motor, and if you explain they seemed fine with me about the hole thing. give it ago, but the only thing is like ppl have said if they can prove your the main driver etc then you'l get screwd. make sure the m3, s3 or wotever u buy is registered in your mums name obviously aswell. but like i said ive got away with it. best of look

[saxowebby]

NEVER, guess im going back with quinn then

[b0t13]

with quinn the only restrictions are are that its not a commericial vechical or van, and it has to have tax and mot, no seperate insurance is needed on it, no age limits or power limits tho and u can get this cover on a tpft policy not just fully comp which is weird, my mate owns a 1.2 punto and an mr2 turbo thats how hes done it, and its fully legal technically but the mr2 isnt covered if he crashes as its third party. ive checked this alot and trust me its true, which is bad because every 17yo can drive m3's etc if they knew about it :S