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Car insurance advice

Donleeone Avatar
9y, 2m agoPosted 9 years, 2 months ago
Im almost 20years old and been driving for 2 years. I'm a very good driver and have never claimed or had an accident. Only problem is for these 2 years i've been a named driver on my mums policy which means I havn't been able to build no claims. The insurer im currently with said i can earn no claims from this year but if i leave the company I cannot keep the no claims.

Now my insurance is due, i've shopped around and the quotes are still high because I have no claims even though i'm a good driver!

Any advice?

Thanks
Donleeone Avatar
9y, 2m agoPosted 9 years, 2 months ago
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banned#1
welcome to the ****** world of insurance!!!

Take out a policy this year with the same company that your mum is with, they will give you the two years no claims that you have afforded on your mums policy, then either half way through the year or next year after you have built up no claims independantly (hopefully 3 years) you should find your premiums start coming down.
#2
Donleeone
Im almost 20years old and been driving for 2 years. I'm a very good driver and have never claimed or had an accident. Only problem is for these 2 years i've been a named driver on my mums policy which means I havn't been able to build no claims. The insurer im currently with said i can earn no claims from this year but if i leave the company I cannot keep the no claims.

Now my insurance is due, i've shopped around and the quotes are still high because I have no claims even though i'm a good driver!

Any advice?

Thanks


I don't think I have ever come across anyone who doesn't describe themselves as a good driver!!!

On quidco car insurance with "Prudential Car Insurance" is claiming to offer £130 cash back before 1st October 2007 - would that offset the cost difference?? That level of cash back almost seems to good to be true, I got a quote from them and that would be ~60% cash back on the policy cost:w00t:
#3
im 20 years old, tahnkfully i only just have 1 yrs noo claims which helps but im still a fortune, ave shooped sround loads, just took out new insurance this morning for my new car, civic type r, 1300 for me my lad (who has a 6000 claim) and my dad. if u wanna tell me what car urtryin to insure and how much you are being quote i could help maybe??
#4
its a fiat punto 2001 ELX. A major problem is that I live in London and is considered high risk. I also want full comp. If I stay with CIS in my mums name the premium is about £700-800 whereas in my own name looking at like £2000. madness!!

Will prob just stick it out for a few years till im 21-22 then hopefully the premium will come down! thanks for eveyones help, rep added
#5
hav u tired admiral with your won name but adding on ur mum, and another adult who has been driving forover 15yrs we no accidents in the last 3 yrs, ??
#6
Donleeone
Im almost 20years old and been driving for 2 years. I'm a very good driver and have never claimed or had an accident. Only problem is for these 2 years i've been a named driver on my mums policy which means I havn't been able to build no claims. The insurer im currently with said i can earn no claims from this year but if i leave the company I cannot keep the no claims.

Now my insurance is due, i've shopped around and the quotes are still high because I have no claims even though i'm a good driver!

Any advice?

Thanks


Best thing to do is to stay with this insurer if they are prepared to let you build a 'no claims bonus' whilst still being only a named driver (or move to another insurer who will do the same - there are a few about that offer this) and stay as a named driver until you are 25+. At this point switch to your own policy (even if it means staying with the same insurer for an additional year to carry over the 'no claims bonus' onto your own policy). Once this first year ends of you being the policy holder you can then transfer your insurance to another company and still keep the whole 'no claims bonus' you have built up.

It's a bit of a pain being a named driver but I'm afraid thats by far the cheapest option until you are 25+ with a few years no claims bonus. It doesn't surprise me to see the difference of £1300 between you as 'named driver' and your own policy. Car insurance between 17 and 25 is horrendous.
#7
Well im 20, and was like the above, Was on my dads for 2 years, Managed to get one years no claims after that. Also 3 points, just purchased a renault megane sport, 2litre turbo. And everywhere were quoting like £6000 then i found bell.co.uk, just a tad over £2000. So give them a try!
Cheers
#8
My lad is 21 he drives a year 2000 punto and his insurance tpft is £500 with kwik-fit.oh he has 2 years no claims.

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