What if..

[Riquer]

Hello,

Im new and I have some questions.

I will get the VTS in a few days.
The reason why I'm getting this car is price, my friend bought new car and he's selling saxo for 200 pounds.

I'm 20 in october and I don't have a driving licence yet.
I will have practical exam next month.

The question is:

If my dad buy this car and he insure it as a main driver and I will be the second one, how big the insurance might be?
My dad has driving licence over 18 years and he's got 2 cars insured on his name already.
The company where he have those two cars is Admiral.

I think about the multicar insurance, what do you think?



Sorry fror my English. If you don't understand something just ask. I will try to explain.

[Riquer]

It's VTR sorry for that.

[jasonmayall]

Being a second driver on your main car is illegal, and probably wont reduce the price, but increase it.
I've tried the multicar quotes before, and its always turned out to be a LOT more expensive than insuring them separately.

[devilsadvocate]

Being a second driver on your main car is illegal, and probably wont reduce the price, but increase it.
I've tried the multicar quotes before, and its always turned out to be a LOT more expensive than insuring them separately.

It's not illegal as such but it is against the terms and conditions of the insurance policy. This means they could void the policy if they found out and if you had been involved in an accident where your insurance company made the policy void, the police 'could' in thoery prosecute you for having no insurance.

Its unlikely but could happen. I would make yourself the policyholder as A) There is no risk and B) You build NCB.

[Manu]

Then when you decide to be the main driver, you'll be raped again for not having any NCB.

how big the insurance might be?

How long is a piece of string? Make a phone call/get internet quotes and find out. I don't get why people buy whatever car (let alone a VT as first car) then worry about the insurance, talk about putting the cart before the horse tbh

[jasonmayall]

Then when you decide to be the main driver, you'll be raped again for not having any NCB.



How long is a piece of string? Make a phone call/get internet quotes and find out. I don't get why people buy whatever car (let alone a VT as first car) then worry about the insurance, talk about putting the cart before the horse tbh

I made the mistake of buying a mk4 Fiesta as my first car, I done some quotes on the 1.3 and it was about £1800 (at 17 it was by far the cheapest) except i accidentally bought a 1.25 which was 'more powerful' and i paid 2600 for my first years insurance.

Lucky for me when i turned 18 after about 6 months of driving i could get a Zetec-s for a grand less... So i did.

I made a mistake and it cost me a fortune, Make sure you get yourself some quotes before you buy your car lol.

[AirVTS]

Then when you decide to be the main driver, you'll be raped again for not having any NCB.



How long is a piece of string? Make a phone call/get internet quotes and find out. I don't get why people buy whatever car (let alone a VT as first car) then worry about the insurance, talk about putting the cart before the horse tbh

Agreed. Regardless of how you try and swindle it. Getting insured on a VTR at 20 years old with no driving experience and no NCD is going to be a hefty price.

As mentioned above, you can be a named driver, and still earn NCD with some companies but given your lack of driving experience on the road, and the car in question, I'm seeing the chances of a crash is very likely, and if you are found to be the main driver you are then in contempt of fraud and will lose everything basically.

Not worth the hassle. Get a 1.1 save money, build experience and then move onwards and upwards. Play the long game, it'll be worth it in the end. I started off with a Ford KA!!! Sacrafices!! :wall:

[Manu]

I know a girl who done that for years and years and years, her mums being registered as main driver. Then she tried getting insured on a puny, rusty ford Ka. £1400 :homme:

Imagine OP's tears and dad's NCB gone if he crashes, like most silly inexperienced young drivers do. Is it worth it, being uncovered as a fraud and the insurance cover made void because of failure to disclose genuine details? Of course not.

I made the mistake of buying a mk4 Fiesta as my first car, I done some quotes on the 1.3 and it was about £1800 (at 17 it was by far the cheapest) except i accidentally bought a 1.25 which was 'more powerful' and i paid 2600 for my first years insurance.

Lucky for me when i turned 18 after about 6 months of driving i could get a Zetec-s for a grand less... So i did.

I made a mistake and it cost me a fortune, Make sure you get yourself some quotes before you buy your car lol.

aye aye aye ouch. Last car I bought, first thing I did was to get insurance quotes before even putting a deposit on it.

[jasonmayall]

aye aye aye ouch. Last car I bought, first thing I did was to get insurance quotes before even putting a deposit on it.

Same, I learnt my lesson almost immediately.
Every time I change my car for a more powerful one my insurance comes down, Possibly because I've been honest.

Although I did need to insure myself on my dads old Subaru, that was the cheapest insurance I've ever had (at 21!) I was a named driver on that but I still used my own car daily. I've just renewed my own on my rover at a smidge over 800, fully comp and modifications declared.

If you are genuinely a second driver it does work out cheap sometimes, but you usually need your OWN car for that to happen.

OP - Do it properly from the start, you'll be rewarded as already said above.

[Riquer]

Ok but how police could prove that my dad is not driving this car?

[josh11490]

Ok but how police could prove that my dad is not driving this car?

This is why most people will front insurance, they can't really prove it unless they are constantly watching.

[f13sta]

Thing is the insurance companies are getting wise to this.
I did this myself at 17-19 ish.
Paid no more than £550 For the two- three years before I got a job and went on my own insurance.
However it is now more expensive to go on a parents insurance as a named driver if you have no car of your own.
This year is the first year I've paid more than £1000 for insurance and that because I've upgraded to a vtr after my 1.4 was written off (non fault wasn't even in the car ) and I've insured my mk2 fiesta xr2
That's at 21 with 2 years no claims.
This is I didn't have any no claims when I first insured the 1.4. And that was £800 fully comp. but I'd been driving 2-3 years.
Get your dad to phone admiral. And find out how much extra it would be to add you as a main driver to your vtr on the multi car policy.
That way you still get no claims discount
You are totally legal
And you still get a bit of discount because of the multi car policy