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Vehicle Insurance Please use this forum to discuss vehicle insurance companies, services, quotations, recommendations, etc.

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Old 9th October 2007, 23:46   #21
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my saxos in my gf dads name, hes the policy holder. and its a grand cheaper than on my own.

but if i ever split up with her im screwed, ther cars in his name
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Old 10th October 2007, 00:12   #22
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my saxos in my gf dads name, hes the policy holder. and its a grand cheaper than on my own.

but if i ever split up with her im screwed, ther cars in his name
Now that just seems like a silly idea.
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Old 10th October 2007, 09:47   #23
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He could even say u nicked the car and you will be in the shi one t
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Old 10th October 2007, 09:53   #24
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Originally Posted by MikeCracknell View Post
I do totally agree, but the two cases I am thinking of, the cars were registered in parents names with the lads on the policy....modified etc.

Insurance company look at car and say "Would a 50 year old be driving that as their main vehicle? No, I don't think so"

I agree with the cheap comments though! It is stupid the cost of insurance for first timers!
My dad's 44 and he'd have my car as his daily drive alloys and all so they can't really pass judgement on that can they?

For the record my insurance is in my name with my dad on. He doesn't drive the car but it lowers the price
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Old 10th October 2007, 09:57   #25
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Originally Posted by Rootyuk View Post
but is that really important unless ur a boy racer?
well yeah cos i can assure you if you're on the motorway and a lorry gets in your path a 1.1 doesn't hae sufficient 'boot' behind it to get out the way in time. I should know cos I've had a lot of experiences like this when I had my 1.1 and lorries don't care if they come out to go in your lane and you've got nowhere to go. the car looked sporty so they expected me to fly out the way
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Old 10th October 2007, 10:28   #26
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Originally Posted by Ben_Saxo View Post
If they expect people to play by the rules then they should make sure their premiums arent so stupidly high for such a comparitivly poor age group.
Difficult one this, but in general young / inexperienced drivers are classed as a high risk and the premium is loaded accordingly. Get a car that is cheaper to insure for your first 12 months, do a pass plus, don't modify it, see if there is a discount for not driving after midnight, restrict the mileage - it won't add to your premium and may in some cases decrease it.

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Originally Posted by Rootyuk View Post
anyway a 1.1 or 1.0 even can do 70mph which is the max limit here so y even need a bigger engine??
Don't forget there are proposals to limit engine size and / or power for young / inexperienced drivers.

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Originally Posted by Wade View Post
Not majorly important no. But i do like to get up to speed quicker if on long journeys as i can get there that bit quicker.
Are you serious? How much quicker are we talking, on a journey of say an hour, with a mix of urban and motorway driving the time saved is probably less than the time you need to park the car. If you are on such atight deadline, I would suggest leaving a few minutes earlier.

When I was younger, I could never understand why my dad could drive somewhere quicker than me with my very heavy right foot. It turns out that there's no big secret, drive smoothly, anticipate and look ahead. I may have been up to 70 / 80 quicker than him by about 5 seconds, but I was continuously having to slow down for traffic lights and other road users. My dad meanwhile just carried on, reading the road - anticipating obstructions, got there much quicker in the end, less stressed and he also used an awful lot less fuel.

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Old 10th October 2007, 18:20   #27
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Originally Posted by vidal View Post
Difficult one this, but in general young / inexperienced drivers are classed as a high risk and the premium is loaded accordingly. Get a car that is cheaper to insure for your first 12 months, do a pass plus, don't modify it, see if there is a discount for not driving after midnight, restrict the mileage - it won't add to your premium and may in some cases decrease it.


Don't forget there are proposals to limit engine size and / or power for young / inexperienced drivers.



Are you serious? How much quicker are we talking, on a journey of say an hour, with a mix of urban and motorway driving the time saved is probably less than the time you need to park the car. If you are on such atight deadline, I would suggest leaving a few minutes earlier.

When I was younger, I could never understand why my dad could drive somewhere quicker than me with my very heavy right foot. It turns out that there's no big secret, drive smoothly, anticipate and look ahead. I may have been up to 70 / 80 quicker than him by about 5 seconds, but I was continuously having to slow down for traffic lights and other road users. My dad meanwhile just carried on, reading the road - anticipating obstructions, got there much quicker in the end, less stressed and he also used an awful lot less fuel.

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Old 12th October 2007, 23:28   #28
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whos every1 with for there insurance then i got a quote for £4500 otha day insurance went up this month and thats with pass plus granted i am 17 tho but still.
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Old 13th October 2007, 01:00   #29
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Originally Posted by webby1989 View Post
my saxos in my gf dads name, hes the policy holder. and its a grand cheaper than on my own.

but if i ever split up with her im screwed, ther cars in his name

m8 be carefull, my gsi redtop corsa was in my ex's name, we split, i went away with the boys for a week, came home to no car!!! police couldnt do jack and she had sold my MINT redtop gsi corsa for £500 to some bloke, i see it all the time and it makes my blood boil!
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Old 1st November 2007, 22:38   #30
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Don't get me wrong i can see why people are insuring there veichles in there parents names cause the price is cripling and i can vouch for that as i pay 1600 thpft in my own name on my vtr but i expected that but at least i will be getting my own ncb and in the long run it will be gettin cheaper
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Old 1st November 2007, 23:15   #31
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Originally Posted by Rootyuk View Post
but is that really important unless ur a boy racer?
don't tell me if you could afford to insure a VTR or a VTS you wouldn't

i understand your point mate but lets be honest.. you won't be sticking with cars that "just get upto 70mph" for the rest of your life
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Old 6th November 2007, 18:55   #32
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im the other way round my car is registered as my mums she owns it but im the insurance policy holder does that mean i could not be insured?
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Old 6th November 2007, 19:09   #33
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thethorne you are almost 100% likely to be not insured, its normally the policy holder has to be the registered owner of the vehicle.
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Old 6th November 2007, 19:09   #34
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Originally Posted by thethorne View Post
im the other way round my car is registered as my mums she owns it but im the insurance policy holder does that mean i could not be insured?
im the same, car is in my mums name but im insured on it perfectly fine.

u might want to ring the insurance company up to check because some companies may be different.. if ya with quinn then ur fine..
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Old 18th November 2007, 21:23   #35
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Originally Posted by DavidKent View Post
They don't know that?

I saw some old lady around local to me, driving a Puma - Not just a standard one, it looked pretty one off, didn't have any aftermarket stuff, but looked smarter than the average 1.7 Zetec.

I say old, she was probably 60-65, but still - Doesn't mean to say a 50 year old man (My dads only 42!).. so 42 year old man wouldn't drive a Modified Saxo.

Doesn't mean jack, you could argue it.. though i have known them to ask neighbours who is the main driver of that car..

There's ways around it in both respects.
Prices are stupid though!
I do agree with that, but I will keep on pointing to this one case (and since then, another) where they won't pay out as they suspect that it is fronting.
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Old 18th November 2007, 21:43   #36
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Yeah i know - To be fair i think its a good thing.
I took out my own policy - and yeah, i've claimed.
Twice.
So i'm paying more for it, but it means i'm actually going to learn from it, and change things about.
Not just add myself to my dads policy for £300, and everything be happy days!
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Old 27th November 2007, 12:12   #37
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i'm currently looking to buy a saxo vtr and the prices are ridiculous for insurance. for me it costs just over £3100 as a policy holder and with my mum as a named driver. i am 17 so i suppose thats why. does anyone know of a good insurer that would give me a better quote than that and that price was based on third party fire and theft and non modified
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Old 27th November 2007, 12:18   #38
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Admiral, Bell, Quinn...
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Old 27th November 2007, 12:22   #39
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On your parents insurance is alot lot cheaper,

In your own name with both parents as named drivers brings it down quite a bit

For example, £1100 on a VTR at 18 with my mam and dad as named drivers
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Old 27th November 2007, 12:35   #40
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i'm currently looking to buy a saxo vtr and the prices are ridiculous for insurance. for me it costs just over £3100 as a policy holder and with my mum as a named driver. i am 17 so i suppose thats why. does anyone know of a good insurer that would give me a better quote than that and that price was based on third party fire and theft and non modified
Do pass plus!
Choose a car with a lower insurance grouping!
Try a Furio/Westcoast as they are only group 5 insurance!
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