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Car insurance

t0mm Avatar
8y, 9m agoPosted 8 years, 9 months ago
Just having a gander around gathering quotes.

The cheapest i've found is £1,500 a year.

I'm 17, or will be soon.

Can you guys give me a list of insurers who arn't a rip of?

Ie. The AA want £3,500 a year
t0mm Avatar
8y, 9m agoPosted 8 years, 9 months ago
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(34) Jump to unreadPost a comment
Comments/page:
#1
elephant are pretty reasonable usually
#2
What type of car, age of car? you male/female? fully comp/TPF&T?
#3
I used confused.com, and last year kwik fit came up cheapest for me, and you get a 10% discount card for the year. Not that I actually used it though.....
#4
kyleb
you male/female?


D'ya wanna ask the audience or go 50/50 t0mm??!
#5
confused.com is best
#6
kyleb
What type of car, age of car? you male/female? fully comp/TPF&T?


Ford mondeo 1.8L
1996
male
TPF&T.
#7
esclad
confused.com is best


For the male/female question???:-D
#8
Cheapest is Quinn Direct £1,188 Well so far, using confused now.
#9
I'm so glad I'm not your age....
Insurance is such a rip off
#10
Confused was no help!
#11
Hmmm methinks your problems lie with wanting to insure a powerful car!:whistling:
#12
Have you tried Moneysupermarket.com? :)
#13
muckypup
Hmmm methinks your problems lie with wanting to insure a powerful car!:whistling:


It's dads car, don't want my own, he rarely uses his, uses his work van so I could just use his car whenever i please.
#14
t0mm
It's dads car, don't want my own, he rarely uses his, uses his work van so I could just use his car whenever i please.


just pay the extra few £100 and be a named driver m8, dont pay that price for insurance that's twice as much as the car is worth.
#15
Called fronting & is illegal...................but everyone does it !
#16
ChrisUK
Called fronting & is illegal...................but everyone does it !


whats illegal, me and my brother have been on my dads car insurance last 5 years, when you signup it even asks if you want other drivers on insurance.
#17
If the main driver is not the policy holder, it is illegal.....
#18
ChrisUK
If the main driver is not the policy holder, it is illegal.....


ah i c and course dad is the main driver we make that so :thumbsup:
#19
Exactly ;)

You only drive every now & then !
#20
ChrisUK
Exactly ;)

You only drive every now & then !


every now and then and every day :oops: but dad drives like a mile more each day so that makes him main driver dont it.
banned#21
Its not illegal - its just the insurance company will refuse to pay out in a claim if they discover you are the main driver insured under a parent. Not a lot of people know that :)

until it comes to a claim of course. These days its easy for them to find out too. (e.g. ask your company what car you drive to work, etc.)

To the OP:-

Sell the mondeo and get a group 1 car and knock 50% of your insurance at a stroke.
banned#22
Daytrader;1577537
every now and then and every day :oops: but dad drives like a mile more each day so that makes him main driver dont it.

Not at all. You would be insured as an occassional driver. Your dad wont be happy if you go up the back of a porsche and he ends up in civil court liable for all the repairs when the insurer refuses to settle!

Also you are not building up any no claims bonus whatsoever. better to bite the bullet now and get insured in your own name.

Or do what others do and dont bother with insurance, tax & mot. The fines only £50 around our way! Not recommended though.
#23
csiman
Its not illegal - its just the insurance company will refuse to pay out in a claim if they discover you are the main driver insured under a parent. Not a lot of people know that :)

until it comes to a claim of course. These days its easy for them to find out too. (e.g. ask your company what car you drive to work, etc.)

To the OP:-

Sell the mondeo and get a group 1 car and knock 50% of your insurance at a stroke.


It is illegal as you will invalidate your insurance thus you having no insurance. I'd be less worried about the cost of mending the Porsche but more of it you crash into him and he's crippled for life and sues you for millions of pounds.
banned#24
Apparently the insurers like catching named drivers out when the car is at university and the parent is at home 200+miles away working lol
#25
well if i had a accident it would be on the day i occassionly drive my dads car
banned#26
GAVINLEWISHUKD;1577590
It is illegal as you will invalidate your insurance thus you having no insurance. I'd be less worried about the cost of mending the Porsche but more of it you crash into him and he's crippled for life and sues you for millions of pounds.

Yes I stand corrected. You are quite right as I hadnt thought about that aspect. You could even be nicked for insurance fraud in that case.
banned#27
Daytrader;1577613
well if i had a accident it would be on the day i occassionly drive my dads car

Of only it was that simple. They dont just receive the claim form and pay out. They would investigate you personally and your life style and would quite easily find out you were the main driver (e.g petrol payments on your credit card).

Insurance investigators know all the tricks these days
#28
csiman
Yes I stand corrected. You are quite right as I hadnt thought about that aspect. You could even be nicked for insurance fraud in that case.


Yes and get charged for driving without insurance. You are better off not insuring yourself at all. If your dad is insured your car wont be picked up unless you do something silly. Then even if you do the fine will be £250-£300 which is a lot cheaper than the insurance.

I dont condone doing this though.
#29
i still think if your any of the named drivers your be ok, i cant remember seeing anything about occasional driving of car only tbh, just who you would like added to insurance policy, nothing wrong in shareing one car is there, my dad 75 me 44 and my brother 43 we dont want 3 cars, what about husbands and wifes that always get joint insurance.
#30
Daytrader
i still think if your any of the named drivers your be ok, i cant remember seeing anything about occasional driving of car only tbh, just who you would like added to insurance policy, nothing wrong in shareing one car is there, my dad 75 me 44 and my brother 43 we dont want 3 cars, what about husbands and wifes that always get joint insurance.


The policy holder must be the main driver. This tends to be looked into more when you have young or inexperienced drivers.
#31
try ecarinsurance.com my son was 17 with a custom car his was £1200
#32
t0mm my only advice on if you go down the named driver route then make sure you go with an insurer that will let you build your no claims discount.
#33
csiman;1577625
Of only it was that simple. They dont just receive the claim form and pay out. They would investigate you personally and your life style and would quite easily find out you were the main driver (e.g petrol payments on your credit card).

Insurance investigators know all the tricks these days

i think youve watched too many films mate!
theres not a way in a world an insurance firm would be able to get the information about how much money you had spent on your credit card on petrol. have you never heard of the data protection act?
seriously with all this uproar lately about 'lost' records and **** big companies would not disclose a single thing that would leave them open to a prosecution under the data protection act/any bad publicity.
if your not going to be than main driver i would seriously suggest either getting a smaller car or getting put on your dads drive until you are 21.

ps have you tried directline? when i got my first car they were a good £200 cheaper that the nearest alternative
banned#34
marcdr;1579008
i think youve watched too many films mate!
theres not a way in a world an insurance firm would be able to get the information about how much money you had spent on your credit card on petrol. have you never heard of the data protection act?
seriously with all this uproar lately about 'lost' records and **** big companies would not disclose a single thing that would leave them open to a prosecution under the data protection act/any bad publicity.
if your not going to be than main driver i would seriously suggest either getting a smaller car or getting put on your dads drive until you are 21.

ps have you tried directline? when i got my first car they were a good £200 cheaper that the nearest alternative

Investigators would ask the claimant for credit card statements / receipts, not the credit card company. They are within their rights to request this info to validate insurance claims.

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