mikky Posted January 19, 2010 Report Share Posted January 19, 2010 can anyone recommend a site for car insurance,my lad has passed his theory and has had over twenty lessons,i have got an old fiesta ( 500 quid ) to get him up and running ,his test is in 8 weeks time....got a feeling this is'nt going to be cheap mikky Quote Link to comment Share on other sites More sharing options...
cowboy1403 Posted January 19, 2010 Report Share Posted January 19, 2010 if you shop around some insurers will do cheaper young persons insurance but it will come with strict conditions. he might be limited to the amount of passengers he can carry at any time.some will restrict the hours he can drive i.e. cant drive after 10.30pm or before 5.00am he will only be able to drive a certain cc or below. other than that prob looking at £1000 a year mark. Quote Link to comment Share on other sites More sharing options...
Bleeh Posted January 19, 2010 Report Share Posted January 19, 2010 Look how 17 year old lads drive? yep. I think that should answer your question. You'll be looking at, around £1400 for a 1.2. Enjoy. Quote Link to comment Share on other sites More sharing options...
Starman Posted January 19, 2010 Report Share Posted January 19, 2010 The insurance is definately gonna be a lot more than the car. Sorry can't really help with any recommendations. Quote Link to comment Share on other sites More sharing options...
Edward Posted January 19, 2010 Report Share Posted January 19, 2010 ok I got quoted by aviva around 4 grand for an orignal mini with a modded 1.4 and all the tat costing 3grand (I dont actually have one I was thinking but to £££) anyway quinn quoted 840 pound.... now thats not too bad :lol: Quote Link to comment Share on other sites More sharing options...
shot shot Posted January 19, 2010 Report Share Posted January 19, 2010 IF you can get the car insured in someone elses name, with your son as a named driver, you should be able to get it down to 700 ish, mine is 760 odd for me and my mum, and I've had to declare previous accidents. O, and try and find local insurers, for me they were much much cheaper (a third of the price) than the national brokers good luck Quote Link to comment Share on other sites More sharing options...
mr lee Posted January 19, 2010 Report Share Posted January 19, 2010 NFU quoted the farmers 17 year old daughter over £2500 for a 1.3 jimny. Ridiculous prices for young drivers now due to all the 'where theres blame theres a claim' tosh going on. Quote Link to comment Share on other sites More sharing options...
Starman Posted January 19, 2010 Report Share Posted January 19, 2010 Think commercials are cheaper. Maybe swap the fiesta for a little fiesta van. Quote Link to comment Share on other sites More sharing options...
Edward Posted January 19, 2010 Report Share Posted January 19, 2010 I just got quoted 735 for a jimny by quinn again Quote Link to comment Share on other sites More sharing options...
fatcontroller Posted January 19, 2010 Report Share Posted January 19, 2010 Just about to pay for my boys insurance he passed his test this week. £1,950 for a 1.6 fiesta with Quinn coz he lives in london FC Quote Link to comment Share on other sites More sharing options...
Starman Posted January 19, 2010 Report Share Posted January 19, 2010 Just about to pay for my boys insurance he passed his test this week. £1,950 for a 1.6 fiesta with Quinn coz he lives in london FC Think i'll be getting my daughter some walking shoes. Quote Link to comment Share on other sites More sharing options...
RC45 Posted January 19, 2010 Report Share Posted January 19, 2010 We were told they load the policies if it's a ford, and girls are 30% cheaper. They said fiat/renault etc are cheaper. It was easy £1250 to insure and check to see how much it goes up when he passes his test. My sons went up by £500 when he past his test! Phil Quote Link to comment Share on other sites More sharing options...
Ozzy Fudd Posted January 19, 2010 Report Share Posted January 19, 2010 IF you can get the car insured in someone elses name, with your son as a named driver, you should be able to get it down to 700 ish, mine is 760 odd for me and my mum, and I've had to declare previous accidents. dont do that its called fronting (insuring a car in your name for someone else), in simple terms its fraud, and if you get caught doing it and theres an accident you will be up the proverbial creek without a boat, never mind a bloody paddle Quote Link to comment Share on other sites More sharing options...
Boromir Posted January 19, 2010 Report Share Posted January 19, 2010 Id say if your son has got a full time job insure him, if not wait a couple of years unless your loaded Quote Link to comment Share on other sites More sharing options...
joeainscow Posted January 19, 2010 Report Share Posted January 19, 2010 dont do that its called fronting (insuring a car in your name for someone else), in simple terms its fraud, and if you get caught doing it and theres an accident you will be up the proverbial creek without a boat, never mind a bloody paddle Loads of people do this so long as the parent drives the car aswell sometimes then its fine. Joe Quote Link to comment Share on other sites More sharing options...
windrush Posted January 19, 2010 Report Share Posted January 19, 2010 Loads of people do this so long as the parent drives the car aswell sometimes then its fine. Joe I think you'll find loads of people are wrong or just deluding themselves. Quote Link to comment Share on other sites More sharing options...
joeainscow Posted January 19, 2010 Report Share Posted January 19, 2010 I think you'll find loads of people are wrong or just deluding themselves. if your a named driver then it's fine. There's normally a catch saying the main driver has to be the main one. Virtually every site offer to be a named driver on the policy. Joe Quote Link to comment Share on other sites More sharing options...
Bleeh Posted January 19, 2010 Report Share Posted January 19, 2010 Loads of people do this so long as the parent drives the car aswell sometimes then its fine. Joe Read this. http://news.bbc.co.uk/1/hi/programmes/moneybox/7052569.stm Quote Link to comment Share on other sites More sharing options...
groach1234 Posted January 19, 2010 Report Share Posted January 19, 2010 (edited) NFU quoted the farmers 17 year old daughter over £2500 for a 1.3 jimny. Ridiculous prices for young drivers now due to all the 'where theres blame theres a claim' tosh going on. You taking the ****? Me and all my brothers for insured on a 2.0 liter diesel non tub golf with them for less than £600 per person as named drivers and i know someone who has basically any car insurance at 19 with the NFU for that sort of money George Edited January 19, 2010 by groach1234 Quote Link to comment Share on other sites More sharing options...
joeainscow Posted January 19, 2010 Report Share Posted January 19, 2010 You taking the ****? Me and all my brothers for insured on a 2.0 liter diesel non tub golf with them for less than £600 per person as named drivers and i know someone who has basically any car insurance at 19 with the NFU for that sort of money George We've got a similar policy. We're charged a set fee per car we add. The insurance group is capped to 19 though. So long as you share the car and you ensure that you tell the insurers that the policy holder is the main driver then your ok. If your son where to drive it to college everyday ect then this policy probably wouldn't be a gd idea. If you ring up local insurers many of them will do a joint insurance package for you and your child which isn't effected by who uses it the most. Joe Quote Link to comment Share on other sites More sharing options...
Ozzy Fudd Posted January 19, 2010 Report Share Posted January 19, 2010 Loads of people do this so long as the parent drives the car aswell sometimes then its fine. Joe no it isnt. if the car belongs to the parents, and its declared that the young driver will be the main user, then it might be ok, but companies will normally load the premium (which canmake it work out dearer than if it was set up in the young drivers name) or they will just refuse to take it. BUT if the car actually belongs to the young driver then they have to insure - in technical terms it comes down to insurable interest (cant insure something that doesnt belong to you) and, as i said, fronting (older driver insuring a car for a younger driver to get the price down = fraud). all it takes is to have an accident and the insurance company to get suspicious and youre in trouble - a friend of mine insured his car in this way and crashed into a bus, £40,000 worth of personal injury claims were put in by some of the passengers, the insurance company realised that it was his car and walked away from the claum. he was left with a bill for £40k and was lucky the insurance company didnt prosecute him. btw, i know plenty of people do it, and i wish ******* housewives would stop ringing me and saying "oh ive never had a car in my own name before, but i just decided to buy myself a nice tdi golf with alloys and body kit at the weekend, can i have a price? oh and i was also wondering if it would be possible to add my 17yr old son who just passed his test last week...." - if theyre lucky they get a sarcastic response before i explain ive heard it all before, and why i cant do it Quote Link to comment Share on other sites More sharing options...
joeainscow Posted January 19, 2010 Report Share Posted January 19, 2010 no it isnt. if the car belongs to the parents, and its declared that the young driver will be the main user, then it might be ok, but companies will normally load the premium (which canmake it work out dearer than if it was set up in the young drivers name) or they will just refuse to take it. BUT if the car actually belongs to the young driver then they have to insure - in technical terms it comes down to insurable interest (cant insure something that doesnt belong to you) and, as i said, fronting (older driver insuring a car for a younger driver to get the price down = fraud). all it takes is to have an accident and the insurance company to get suspicious and youre in trouble - a friend of mine insured his car in this way and crashed into a bus, £40,000 worth of personal injury claims were put in by some of the passengers, the insurance company realised that it was his car and walked away from the claum. he was left with a bill for £40k and was lucky the insurance company didnt prosecute him. btw, i know plenty of people do it, and i wish ******* housewives would stop ringing me and saying "oh ive never had a car in my own name before, but i just decided to buy myself a nice tdi golf with alloys and body kit at the weekend, can i have a price? oh and i was also wondering if it would be possible to add my 17yr old son who just passed his test last week...." - if theyre lucky they get a sarcastic response before i explain ive heard it all before, and why i cant do it My mistake i thought the car was the parents and just wanted their son to drive it too. joe Quote Link to comment Share on other sites More sharing options...
hawkeye Posted January 19, 2010 Report Share Posted January 19, 2010 After nearly 30yrs in insurance been retired 7 years i can tell you it used to be you can insure a motor and put your son on as a named driver but it is a can of worms really as you have to name the main driver (WHO IS CLASSED AS THE PERSON WHO DOES THE MOST MILES IN THE YEAR) and if that is your son then the premium will be based on his age.. Another thing to watch out for is if the car you have bought is in your sons name (ON THE LOG BOOK) then he is classed as the main driver.. Once a good client of mine asked me for a quote for a second motor with his son as a named driver when asked he said the car was registered in his name so no problems.. Six months later the son smashed the car up complete right off log book was sent away to insurance company they noticed the owners name on the log book was the son they refused to pay out classed it as fraud even threatened him with court.. Quote Link to comment Share on other sites More sharing options...
rjimmer Posted January 19, 2010 Report Share Posted January 19, 2010 (edited) I think I have seen mention of a policy where a named driver can accumulate a no-claims bonus. That used to be a problem of being on your parents' insurance. You have to start from scratch later on. Edited January 19, 2010 by rjimmer Quote Link to comment Share on other sites More sharing options...
Ozzy Fudd Posted January 19, 2010 Report Share Posted January 19, 2010 I think I have seen mention of a policy where a named driver can accumulate a no-claims bonus.That used to be a problem of being on your parents' insurance. You have to start from scratch later on. some companies will give you an introductory bonus, ie for every full claim free year that youve been named on another policy they will give you the equivalent discount if you take a policy out in your own name, eg named on your mums policy 3 years, theyll give you the equivalent 50% discount, but not all companies will accept named driver experience (most dont in fact). still, it can really bring the price down Quote Link to comment Share on other sites More sharing options...
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