Warning to anyone insured under their parents name. UPDATE 1st PAGE

[p2ck]

Originally Posted by Graeme

tbh simply way round it is just get the car regested in your parents name and not yours!!!

then they cant say shite as the car will be registerd to the policy holder

yep, thats what i've done with mine, its in her name and i'm reg'd fully comp inc' business..

[simon179]

i do it in my own name with mum as named driver makes my quote on a vtr 800 cheaper :| lol

for first yr of drivin i was a named driver but car was registered to me and on the insurance details it was that i was main driver and owner, but my mum was the policy holder! all worked and legit even rang them a few times to confirm!

[MikeCracknell]

See 1st post.....

[dobbo_1]

can i put my car in my mums name then? and go as second driver legaly? bit confused on all this insurance laws

[MikeCracknell]

Originally Posted by dobbo_1

can i put my car in my mums name then? and go as second driver legaly? bit confused on all this insurance laws

No, if you are the main user. That is Fronting too

[dobbo_1]

cheers man jus goin to have to pay the full whack

[KamRacing]

I think what I would recommend to anyone just coming to the legal age to drive is get your provisional and then purchase a £50 small engined cheap to run car. Insure it and leave it on the drive while you learn. By the time you pass you'll have best part of a years no claims and that will knock off an incredible amount off your insurance! Insure for a few months to cover the gap then get your years policy

[Jim-Bob]

another crack down is using parents no-claims on a second policy, they not allowing it any more i used my dadsto take a policy then got a letter saying that we couldnt use he no claims and we had to pay another 800 quid or they were cancelling the policy!!

so i used my mums instead cos she not got ne policies but she got the no claims lol

be careful the insurance companies only need the samllest fing to invalid ur insurance and they wont pay out

hope this helps

james

[Ashleyp]

i pay £600 a year full comp on my dads insurance as an 18 year old on a vtr and made a claim last year.

to get insured on my own policy the cheapest quote i got was over £2000.

and coz im still at college, theres just no way i could afford to pay that on a part time job

[snottybadger]

Originally Posted by vidal

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.

V.

Yup, a heavy right foot doesn't get you there much quicker. My old Honda Prelude cruise control that would only work upto just shy of 70mph (with it being an import). Now if I went down the M6 for about a 100 mile and sat 80-90 it would take about 1hr20mins set the cruise control to its max of 65-70 and it'd take about 10 mins longer and use a lot less juice!

Plus all the points I've had came from m-way driving so stops be accidently wandering over.

On the insurance being to expensive, yeah it is but if you want the sporty model you gotta pay for it. Personally I've never paid more then £600 for insurance, and always had my own policy. You really should start building up your ncb as soon as possible..

[RCD-Performance]

Originally Posted by Rootyuk

jus stick to bein the policy holder, if u cant afford the insurence dont get the car simple, thats wat iv always done.

anyway a 1.1 or 1.0 even can do 70mph which is the max limit here so y even need a bigger engine??

Because some of us get thrills from acceleration? the same kind of thrills you get from a roller coaster? But better as your in control?

Originally Posted by Rootyuk

but is that really important unless ur a boy racer?

Thats just a stupid statement.......why are we boy racers just because someone likes a fast car? So does that mean everyone who drives a bigger engined car than you is a boy racer? Thats my old man fucked the engine is his weekend play car is 6.0l LOL! AND HE'S 60!!!

People like this make me laugh!

[EH_Fella]

Originally Posted by RCD-Performance

So does that mean everyone who drives a bigger engined car than you is a boy racer?

Very possibly if they're fronting on their insurance lol

Another one in the 'if you can't afford the insurance, don't get the car' camp here - for future reference try moneysupermarket.com for insurance quotes - add parents as named drivers, increase voluntary excess to £500 (up from £250 standard) and keep checking those quotes as premiums change constantly.

[Nij]

my mrs makes my insurance £160 cheaper - even though she had a fault claim this year!

WOMEN!!!!!

[ayshe]

i've got my own policy with my mum as a named driver as it makes it a lot cheaper and occasionaly i let her drive it

that way you can build up your own no claims and pay a smaller fee. i tried charging her to be on the policy but she didnt think much of that idea lol

[Dancollier]

im 18 and driving a 1.0i T-reg saxo and the cheapest I managed to get on the insurance was £1200 fully comp on my mums insurance with her being the owner and the main driver...shes never allowed to drive it haha.

I dont see why I should have to pay £1200 insurance on a £1000 car that is impossible to speed in haha...0-60 in about 20-25 seconds :o its rediculous why i should have to pay so much for the insurance though!

The most annoying thing is I cant build up my no claims as im only a named driver, and yet to get tpft on my own policy I cant get much short of £1400!

please excuse my rant haha

[Spanky]

Well i just got a quote from bell for £1458 for TPFT on my VTR me as the registerd keeper, policy holder and my gf as a named driver with all mods declared and i have just had a crash and im 18 btw!

Dont no how you people with 1.0, 1.1's etc cant get cheap quotes lol

[J-Reid]

where the vehicle was registered in the lads name, but parents were the policy holder

fuck thats me !

[Spanky]

Originally Posted by J-Reid

fuck thats me !

I would not worry about it TO much, its fine for the parent to be the registerd keeper and the lad was the policy holder..... i ran gup and checked, so why should it be different the other way around? really?

If u did have a bump etc etc all yuou have to say is that yea its your car, but you don have time to use it very much, so you made your mum/dad the main driver as they use it more than you but you still wanted to be insured on the vehicle so you could still use it

[Dancollier]

i cant find cheap quotes anywhere man, i just got £1180 tpft on my 1.0i which is rediculous!

[Mr_suv]

Originally Posted by Ben_Saxo

No one sticks 70 on the motorway apart from limited trucks and the elderly. And Sayer

and me i cantafford to go quicker you would save yourself more money too if you dont 'hoss' it tbh sayers guides are rather good you should read them sometimes lol