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

[Marky_C]

Originally Posted by jowe

Young lad, out in a modified Saxo....

"its my mums car officer"

"so your mother drives a modified saxo with a heavy ice install"

"...yeah..?"


To be honest, they will clearly know its your car, but if the policy says its in her name and so does the log book, they cant prove anything!

An old couple near me have a 106 rallye phase 1, which has been modified!!!
So it can happen

[dispin]

Originally Posted by jowe

Young lad, out in a modified Saxo....

"its my mums car officer"

"so your mother drives a modified saxo with a heavy ice install"

"...yeah..?"


To be honest, they will clearly know its your car, but if the policy says its in her name and so does the log book, they cant prove anything!

The police are not allowed to generalize like that.

[Pieface]

Theres this really old man around here who drives the chavviest Ford KA ever. Chrome bits EVERYWHERE.

[DavidKent]

There used to be an old woman driving around in a puma with a full wide kit on it round here.

Actually looked really really good - she was well into her 60's at least!

[Hugo]

Hey everyone!
I just read this post and didnt know about this!!
And because my dad just changed the car to my name but his the first policy holder!!
wht should i do then, put the car in my dad's name again!!???

[chriswoodward]

Originally Posted by Hugo

Hey everyone!
I just read this post and didnt know about this!!
And because my dad just changed the car to my name but his the first policy holder!!
wht should i do then, put the car in my dad's name again!!???

haha no! insure it properly with the policy in your name and car in your name, if you cant afford it you shouldnt have bought the car

[chriswoodward]

the thing is anyone who is fronting is not being clever and "saving money" your not earning any ncb so your premiums wont go down as quickly when you do come to get your own policy!

[carlos7777777]

im ok , insurance in my own name... 953 tpft on a 1.1 as a 17 yr old male

[MF_Domingo]

they didnt pay out on my mg-zr because of this ,because the payments came out of my bank account they decided it had nothing to do with my mum and then wondered why she had 2 cars in her name and i was only named on one.
im on my own on my vtr and its 1200,
and if u have modded ur car eg lowwered they wont pay out anyway unless u have declared it

[Posibluecomingafteryou]

im with quinn direct and i have 1 years ncb and im paying £60 a month with my loweered suspension declared and im 19. i reckkon thats pretty good

[Llardy]

Simple answer to a complicated question:

Don't crash your car

[vtr_cheshire]

mate of mine got done for this last year, his insurance voided when he crashed and he now struggles to get insurance...

you will be black listed if your not careful

he pays bout 3200 tptt on a 1.1 V reg KA now... gutted

[89me11]

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

Exactly, that's what Ive done for the last two years. Quinn wouldnt let me insure it as a named driver whilst it was still registered in my name anyway, they said it would have to be in my mums name for her to be the main driver on the policy. So they practically told me to do it anyway.

Saves shite loads of money, insurance is a friggin joke! I still pay about £1200

[Devoner]

Originally Posted by Rootyuk

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

my 1.1 forte can get 115 maxed out...... that was on a motorway with a slight decline in the road... with 3 other ppl in the car, i have taken out everytihng and onlu have 2 seats in my car now...... but it is still registered as a 5 seater

[laberridge]

ive noticed now when you do, quotes to go on your parents insurance and you as a named driver the price seems to be higher than if you went on your own. :/

[LaurenceVTR]

You can't just say insurers can't claim that your the main driver just cos you say you've seen older people with moded cars in your area, they probs don't have a 17 year old son on their policy do they.
It's even more obvious when your parents have two stock cars sat in the drive in my case a pug 307sw & an alfa 159 JTD, it doesn't make sense why an adult would buy a vtr and modify it when they have two nicer non moded cars and why they'd choose to drive around in a vtr.

[wingswest]

I phoned around for quotes on my vtr and told the insurance company that my mum will be the main driver of the vehicle!
The guy said to me so your mum likes to drive about in saxo vtr with a pearl paint job,bodykit and chrome rims - I replied "yes, shes into modified cars"!He then said that the underwriters will have a laugh when they see that and not insure it!
LOL

[LaurenceVTR]

Originally Posted by wingswest

I phoned around for quotes on my vtr and told the insurance company that my mum will be the main driver of the vehicle!
The guy said to me so your mum likes to drive about in saxo vtr with a pearl paint job,bodykit and chrome rims - I replied "yes, shes into modified cars"!He then said that the underwriters will have a laugh when they see that and not insure it!
LOL

Lol mate get your mum to dress up like a proper chav and get her to go down to an insurance company in person and they will probs believe shes gna be driving round in the vtr loll

[onegoldvtr]

Originally Posted by Ben_Saxo

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

if your doing 70 on the moterway in a vtr/s think u shud change to 3rd gear lmao


true the people on the left hand lane chug along at about 65

[NobbyClarke]

i am 17 with a Saxo X 1.1i and the insurance quotes im getting are nearly £4000 on a Full uk licence + dad with clean UK licenses since 1968 !!! any ideas to get cheaper insurance ??