VTS @ 18 as named driver

[Tammy_VTS]

norich union reckon they would let me @ 18 drive a vts as a named driver :) my old dear just got one :O and i wannaaaa go :(

[Mitchell]

lol thats just stupid. you'll be paying a shittttttttttttt load insurance, more than the car is worth FOR SURE. its only a vts, why bother?

[Tammy_VTS]

ok Mr.Krovean im sorry :cry: :cry: :cry: :cry: :cry: :cry: :cry:

[MaKaVeLi]

look on moneysupermarket.com ive got insured on a vtr as a named driver at 17 for £520 fully comp. Insurance is probably shit but i don't care as long as im insured.

[saxodan]

look on moneysupermarket.com ive got insured on a vtr as a named driver at 17 for £520 fully comp. Insurance is probably shit but i don't care as long as im insured.

WTF when was that and who with

[ricksimmonds]

yeah WTF?!

[ricksimmonds]

lol thats just stupid. you'll be paying a shittttttttttttt load insurance, more than the car is worth FOR SURE. its only a vts, why bother?

who gives a shit how much it costs? tammy is guna b king of the streets, amongst most of his 18 year old frends anyway! if there was any insurance company in the country who wud insure a crasher like me on a vts id b in! money no object!

[DarylVTR]

king of the streets in a VTS? lol ur having a Jeraffe arn't you lad?

Wkd mush init

[Sean]

norich union reckon they would let me @ 18 drive a vts as a named driver :) my old dear just got one :O and i wannaaaa go :(

if you're only driving the car once every so often then that's fine, but insurance companies are wise to young people being put on parent's cars as named drivers then driving the car more than the parents do. if you plan to do it this way then have a think about it as then what you're doing is technically illegal ie you're giving false info regarding the insurance cover and may find yourself in the shit come a claim.

[MaKaVeLi]

WTF when was that and who with
Just put your details in www.insuresupermarket.com and it comes back with loads of different quotes.

[MaKaVeLi]

if you're only driving the car once every so often then that's fine, but insurance companies are wise to young people being put on parent's cars as named drivers then driving the car more than the parents do. if you plan to do it this way then have a think about it as then what you're doing is technically illegal ie you're giving false info regarding the insurance cover and may find yourself in the shit come a claim.

how would the insurance companies know that you're driving it more than your parent though?

[Sean]

they'll check things like whether your parents have another car. obviously if they have then they'll be more suspicious that you'll have more use of this car than them and therefor less likely to offer you cover, but if it's your parents' only car then they're more likely to need the car all the time or at least more than you. that's assuming they even give you cover in the first place, which i'm highly sceptical of to be honest.

[MaKaVeLi]

but even if you do get insured, there's no way to prove that the parent will never be driving.

[Sean]

sdidn't say there was, but come an accident they will investigate every possible angle to try and get out of paying out. what i'm saying is be careful if you're going on a policy as a named driver fully intending to be the main driver, still illegal however you look at it. same as not declaring mods imo, driving about technically uninsured and not worth it just to save a few quid in the long run.and even if you do get on the policy as a named driver, i'd be very surprised if they didnt add on close to what it would cost you on your own policy anyway, you're still a risk whether you're a named driver or main driver.

[Mitchell]

who gives a shit how much it costs? tammy is guna b king of the streets, amongst most of his 18 year old frends anyway! if there was any insurance company in the country who wud insure a crasher like me on a vts id b in! money no object!

not everybody lives off there mummy and daddy little man.

king of the streets in a saxo LMAO!! grow up...

[ricksimmonds]

not everybody lives off there mummy and daddy little man.

king of the streets in a saxo LMAO!! grow up...

including me, infact i probably work more hours than you have ever done in your life. and the king of the streets thing was me comparing to my vtr...also it was joke so chill out babe

[ricksimmonds]

p.s, my mum often owes me money which just takes the piss

[ricksimmonds]

anyway, breaks over i spose i beta get back to WORK (krovean)

[Mitchell]

im a chef, i work 67 hours a week.

doubt it.

[MaKaVeLi]

sdidn't say there was, but come an accident they will investigate every possible angle to try and get out of paying out. what i'm saying is be careful if you're going on a policy as a named driver fully intending to be the main driver, still illegal however you look at it. same as not declaring mods imo, driving about technically uninsured and not worth it just to save a few quid in the long run.and even if you do get on the policy as a named driver, i'd be very surprised if they didnt add on close to what it would cost you on your own policy anyway, you're still a risk whether you're a named driver or main driver.

oh well, i'll have to drive carefully then. they shouldn't charge teenagers so much, theiving bastards.

[samcook]

im 18 and got quoted £1350 fully comp on a vts with my own policy with my mum as a named driver as she often drives my car wen i need a lift into town and my dads got her car!

[mattturbo]

was 18when i got my vts and i payed 1150 with 1 years no claims

[ricksimmonds]

im a chef, i work 67 hours a week.

doubt it.

i dont work that many hours no, and considering a full time week consists of 37.5 paid hours ur doing a heavy work load mate.

But the bottom line is, im a full time student, i work almost all of my spare time and manage to earn 190 a week to support myself while still in college and passing my exams, so i just dont appretiate ur sacarcastic comments.

in future please keep them to uself.

(im not retlaiating this is my closure!! lol)

[Mitchell]

i dont work that many hours no

fuckin right u dont!

lol do you realllllly think im gonna do what a student newbie is gonna tell me? wake up... i couldnt care less what u appreciate and what u dont n no i wont keep them to myself.

not even gonna waste ma time arguin with a newbie like urself.

such a waste of time.

[potatopete]

considering a full time week consists of 37.5 paid hours ur doing a heavy work load mate.



It's been a good long time since I had the pleasure of working 37.5 hours perweek. I do, on average, 55 hours per week, sometimes more.

[Mitchell]

u get used to it though, i suppose. If i was to start a 9-5 job i'd think it was a piece of piss.

gonna have to find me one of those.

[ricksimmonds]

u do that there plent around, manual ones aswel cus i doubt ur educated? besides the potatoes in the oven type of labour?

[ricksimmonds]

or maybe we're just missing the point, and im prepared to pay more for insurance than u? cus that how this started!

[Trance-Robbo]

hi im 19 and just bort i vts, i didnt have too many problems getting insurance.i have no no claims and i have been insured for 1200.BUT thers always a BUT, im only paying for 10 months, i still get a years no claims, its not too bad.

Bell insurance, its part of the admiral group, iff u go on www.moneysupermarket.com theres a insurance generator, check it out.!!!

Andy

[Mitchell]

or maybe we're just missing the point, and im prepared to pay more for insurance than u? cus that how this started!

such a cheeky little fucker.

i dont have to pay a load for insurance, i already own a vts, i can afford to insure 4 of the fuckers if i wanted.

its ok to be jealous.

[ricksimmonds]

thats sounds wicked mate, only payin for 10 month and u get a full years no claims! thats a bargain!

[ricksimmonds]

such a cheeky little fucker.

i dont have to pay a load for insurance, i already own a vts, i can afford to insure 4 of the fuckers if i wanted.

its ok to be jealous.

i am jealous, so what?!

[Jonny_H]

kroven y can u afford 4 of them? . i 18 n payin £1650 fully comp on a 1.1. with 1 yr ncb.
i cant even get insured on a vts.

[Mitchell]

im £510 fully comp on a vts, i could afford to pay £2400 on insurance. anything over is pushing it n id be strapped for cash.

my renewal is in february so it would be even cheaper then, and this is the last month of insurance to pay until then... win!

[ricksimmonds]

kroven y can u afford 4 of them? . i 18 n payin £1650 fully comp on a 1.1. with 1 yr ncb.
i cant even get insured on a vts.

Thats alot tho mate, not the best deal tbh :sad:

[Jonny_H]

i paid 2400 for my 1st yr on a 1.1. ha. n i will still be paying weel over £1000 nex yr. with 2 ncb. insurance is a bit*h

[ricksimmonds]

dont renew wiv ur currnet ones, shop around i garuantee u cud knock soo much off that premium

[ricksimmonds]

and they say it cud rise by 40 fuckin percent!

[ricksimmonds]

ill b fucked if that happens, at least krovean will b alrite tho!! lol im jokin

[Jonny_H]

that was with sum1 else. i cud have got it for 1550 but wud've had to pay xtra for mods. so went with quinndirect as they dont charge for mods

[DarylVTR]

fuckin right u dont!

lol do you realllllly think im gonna do what a student newbie is gonna tell me? wake up... i couldnt care less what u appreciate and what u dont n no i wont keep them to myself.

not even gonna waste ma time arguin with a newbie like urself.

such a waste of time.

Krovean - mate you fuckin rock!!!!!

[ricksimmonds]

o ur with quinn direct, i thort they wud of been cheaper, that who im goin with, they're the only ppl who will touch me on a vtr bein 18 with a claim. btw, u no quinn direct dont care about cosmetic mods... do they still pay out for the mods in the event of a claim?!

[Jonny_H]

ye i no, but other places do care so thats y i chose them. not sure if they pay out for mods. they said they expect u to include mods within ur car value when they ask u.
they cared about lowering tho, had to pi*s about gettin stuff signed by the machanic who lowered it. took a while to all go thru as well. bit of a joke.