Car insurance? :| - HotUKDeals
We use cookie files to improve site functionality and personalisation. By continuing to use HUKD, you accept our cookie and privacy policy.
Get the HUKD app free at Google Play

Search Error

An error occurred when searching, please try again!

Login / Sign UpSubmit

Car insurance? :|

gs-rai Avatar
8y, 4d agoPosted 8 years, 4 days ago
iv bought an 206. however the insurance quoats im getting are crazy

its a 1.4 y reg btw
im 18, passed 6months ago, done a passplus, insured on another car

So what im asking, what insurance companies genreally have the lowist quoats..?

it wouldnt have to just be on my name only, could have it on my mums as shes 9+ ncd etc

what companies would you reccomend?

thanks :)
gs-rai Avatar
8y, 4d agoPosted 8 years, 4 days ago
Options

All Comments

(28) Jump to unreadPost a comment
Comments/page:
#1
Varies so much,

I go on confused.com,check quidco for cashback which helps too.
#2
Try putting your mum first and you second on Diamond car insurance.

or try putting her as a second driver on Elephant.co.uk

Me and OH find these 2 companies best, being young drivers

HTH :thumbsup:
#3
Dont forget Directline.If you look on comparison websites they only show companies that pay them commision so its as well to check directline also ,
Tony
#4
ahh thankss for the replies, will give those a try,
Oh the one thing what annoys me the most is filling out those silly forms one after another!! ahh!
#5
It is not quoats

It is quote or quotes
#6
Quinn Direct were cheapest for my brother, slightly under £1,000
#7
Mrs.Z;3679593
Try putting your mum first and you second on Diamond car insurance.


Do not do this if you are the primary driver as this is insurance fraud, in the case of an accident the insurance company can refuse to pay out and you can be taken to court by the police for driving uninsured.

John
#8
dontdothatagain;3679679
Quinn Direct were cheapest for my brother, slightly under £1,000


And he hasnt passed his test yet!
#9
Adrian flux was best for me, i was going to buy a 1.4 98 Peugeot 106, just after i passed ( i was 19) they quoted me just over 1000.
#10
im 18


Poundland sell petroleum jelly :thumbsup:

What sort of prices are you getting btw and where do you live?
#11
try britannia and add your mother and father on my daughter passed in July her insurance fully comp is £650 for a Corsa SXI sport
#12
As has been said, naming another driver as the main driver, when it is infact you, is called "fronting" and insurance companies are clamping down on it, and they DO have their ways of finding out.

Plus, NCB can only be used on one car anyway, so will be on your Mums. Plus, from the insurance company point of view, why would your Mum be the main driver on your car when she has her own :p
#13
Johnmcl7
Do not do this if you are the primary driver as this is insurance fraud, in the case of an accident the insurance company can refuse to pay out and you can be taken to court by the police for driving uninsured.

John


:? define primary driver... e.g. John Smith uses the car ONLY to drive to and from uni 50 miles away. drives it back everyweekend and some weekedays to his family, his mum uses it every sat/sunday for shopping and visiting family, his dad uses it also (nightime) for going to the casino/friends.. little sister uses it to learn how to drive with it on occations on a sat morning before the mum goes shopping with it.

Whos the primary driver? :thumbsup:
Or more to the point, prove that he is or isnt the primary driver with evidence.
#14
Inquisitor
Whos the primary driver? :thumbsup:
Or more to the point, prove that he is or isnt the primary driver with evidence.


In your described situation John Smith is the main driver. And the insurance companies have there ways of finding out :thumbsup:
#15
Inquisitor;3680555
:? define primary driver... e.g. John Smith uses the car ONLY to drive to and from uni 50 miles away. drives it back everyweekend and some weekedays to his family, his mum uses it every sat/sunday for shopping and visiting family, his dad uses it also (nightime) for going to the casino/friends.. little sister uses it to learn how to drive with it on occations on a sat morning before the mum goes shopping with it.

Whos the primary driver? :thumbsup:
Or more to the point, prove that he is or isnt the primary driver with evidence.

Assuming John Smith is the registered keeper then he is the primary driver.

Car insurance companies are rejecting thousands of claims due to this and they're under pressure to prevent it happening at all, at the same time the police are drilling down harder on uninsured drivers which carries a hefty six points. It's a somewhat contrived setup you've given anyway, more likely is that a parent will be policy holder for two cars with one being a cheaper hatchback which has a young driver named on the policy.

http://news.bbc.co.uk/2/hi/programmes/moneybox/7052569.stm
http://www.thisismoney.co.uk/insurance/car-insurance/article.html?in_article_id=424629&in_page_id=35

I've seen people recommend this several times on the site to reduce insurance, they should not be doing so.

John
#16
Dont put your parents as the primary, just put them as named.

I have both my parents as named drivers, it reduced the insurance by a fair ammount and they can drive it if they want / if we have problems with our other cars
#17
Johnmcl7
I've seen people recommend this several times on the site to reduce insurance, they should not be doing so.


And considering you can get a good discount with the parent as named driver, it's a pretty pointless risk. When the wife gets insurance she puts me as a named driver on her policy to drop the price. Nothing wrong with that scenario as I 'may' potentially drive her car (when hell freezes....) :lol:
#18
try adding your mum as a named driver you should get a good discount my son saved 400 pounds having his mum as a named driver ( not main driver)
#19
peodude
In your described situation John Smith is the main driver. And the insurance companies have there ways of finding out :thumbsup:


Big Brother cameras..! :-D
#20
I am currently uswing quinn direct, 25% cheaper than anyon else
#21
can you put someone with a provisional only as a named driver?
#22
joshuaburrell;3767600
can you put someone with a provisional only as a named driver?


Yeah but it will push the cost up by a fair ammount (it did when i was put on my parents)
#23
You can have your Mum as the policyholder and put yourself down as the principal driver. This is perfectly legal and usually doesn't increase the premium (it certainly didn't in my case).

Alternatively as previously mentioned, you can put the policy in your name and add your Mum as a named driver. This will probably cost more than doing the above but is cheaper than just having it in your name and is just as legal.

Take a look here for further ways of saving money on car insurance: http://www.moneysavingexpert.com/insurance/compare-cheap-car-insurance

HTH
#24
I've just been playing round with insurance quotes for my sister, on her own it was coming out at £1300, with my Dad as a named driver it was £1000, and with my Dad and Grandad it was £900

All with my sister being the main driver and policy holder. This being the best way , as No Claims will be accrued and insurance falls fast.

So i'd put a load of old people on your insurance, who have had their license for a long time, even if they have no intention of driving it.
#25
Shengis
When the wife gets insurance she puts me as a named driver on her policy to drop the price.


peodude
So i'd put a load of old people on your insurance, who have had their license for a long time, even if they have no intention of driving it.


:oops::w00t::lol:
banned#26
To join in the "fronting" debate....

It doesn't get you lower quotes for insurance anymore. In fact, it hasn't done for years. Insurance quotes are all based on risk. If your mum is 45 and you are 18, you are the highest risk. Therefore the price of the insurance is based onthe highest risk.

Years ago it didn't always work like that and you could get cheaper quotes.

Also, to be the main driver on a policy, you also need to be the registered keeper of the car. So if son buys the car, gets V5 in his name and gets dad to insure it, dad should be the named person on the V5. If he's not, the insurers can say that the insurance is void as the person who bought the insurance had no insurable interst.

In summary, tell the truth because karma always bites you on the **** .
#27
flyingflea
You can have your Mum as the policyholder and put yourself down as the principal driver. This is perfectly legal and usually doesn't increase the premium (it certainly didn't in my case).

Alternatively as previously mentioned, you can put the policy in your name and add your Mum as a named driver. This will probably cost more than doing the above but is cheaper than just having it in your name and is just as legal.

Take a look here for further ways of saving money on car insurance: http://www.moneysavingexpert.com/insurance/compare-cheap-car-insurance

HTH


Unless your Mum is the main driver then this is certainly not legal, it's something that both insurance companies and the police have cracked down over the last couple of years.

John
#28
flyingflea
You can have your Mum as the policyholder and put yourself down as the principal driver. This is perfectly legal and usually doesn't increase the premium (it certainly didn't in my case).

Alternatively as previously mentioned, you can put the policy in your name and add your Mum as a named driver. This will probably cost more than doing the above but is cheaper than just having it in your name and is just as legal.

Take a look here for further ways of saving money on car insurance: http://www.moneysavingexpert.com/insurance/compare-cheap-car-insurance

HTH


If you do this then you will have to start the policy as having 0 yrs NCD as I assume your mum will be using her own 9 years on her own car and you cant use it on more than 1 vehicle at a time. Good luck, gocompare is usually the best.

Post a Comment

You don't need an account to leave a comment. Just enter your email address. We'll keep it private.

...OR log in with your social account

...OR comment using your social account

Thanks for your comment! Keep it up!
We just need to have a quick look and it will be live soon.
The community is happy to hear your opinion! Keep contributing!