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Car insurance help please?

andel90 Avatar
6y, 1m agoPosted 6 years, 1 month ago
Hi i have bough a new car with my dad being the first named driver as insurance is too much for me at the moment on my own, my dad also has a car that is fully insured on his name, the new insurance company have asked for details of his no claims bonus from his previous company (esure) but they have refused to give the no claims bonus certificate is there anything i can do about this?

Thanks :)
andel90 Avatar
6y, 1m agoPosted 6 years, 1 month ago
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(21) Jump to unreadPost a comment
Comments/page:
#1
in short, no.
(What you're doing is illegal)
#2
Goonieman
in short, no.
(What you're doing is illegal)


Thanks for your answer i was kind of thinking that aswell, whys that then mate? is there any way round this? any way i can get the certificate?

Thanks
#3
as already stated,this is illegal-you cant buy a car and circumvent the correct premiums by having your father as main driver(which he clearly isnt) used yo happen all the time-insurance companies are wise to it now tho.
#4
Google "fronting" and have a read. Its illegal and could invalidate your insurance.
#5
Okay is there any way round this?
#6
Get your own insurance
#7
TUSSFC
Get your own insurance


Lol costs to much but to be honest my dad is thinking of selling his own car and sharing mine, that wouldn't be obviously classified as fronting now would it.
#8
andel90
TUSSFC
Get your own insurance


Lol costs to much but to be honest my dad is thinking of selling his own car and sharing mine, that wouldn't be obviously classified as fronting now would it.


Not if he is driving it the majority of the time. And it costs a lot for a reason.
#9
some people just dont want help, either pay the premium legally or you may as well just not bother with insurance as your way of doing it will result in invalidated insurance anyway.
#10
but you can use the no claims on just one vehicle cant you?
banned#11
Get an insurance quote first next time then buy the car
#12
plumberman01
but you can use the no claims on just one vehicle cant you?


Thats what i would like to know lol
#13
try Quinn direct, young drivers dont get such a heavy pasting from them.

they did go bust however they are back and still very cheap.
banned#14
andel90
plumberman01
but you can use the no claims on just one vehicle cant you?
Thats what i would like to know lol

Yes you can only use your no claims bonus on one policy
#15
They wont give you details of the no claims bonus because it is still being used on your dads main vehicle. You will need to ask for insurance with your dad as the main driver but without a no claims discount
banned#16
esure do multicar policies so just add the car to the original policy
#17
Okay thanks alot for that guys i appreciate it :)
#18
Buy a classic car, and get classic car insurance :) - even though Mini's etc. aren't cheap, if you're a very new driver you'll save a fortune on insurance, mine is 2 and a half times my friends premium, and his car isn't great.

Mini's are great fun, fairly quick, handle like go-carts, are cheap to service, or you can do it yourself easily, and appreciate in value, not depreciate. Lots of modifications you can do, and Footman James don't even seem bothered about any of engine mods declared, or exterior modifications.

Rust is a problem though!

Matt

Edited By: Baines93 on Oct 17, 2010 22:56: .
banned#19
sn0ttyang3l
They wont give you details of the no claims bonus because it is still being used on your dads main vehicle. You will need to ask for insurance with your dad as the main driver but without a no claims discount

might as well put the no claims down in the quote if hes gonna put his dad as the main driver. Either way he will be paying for insurance which wont pay out in the even of a claim

Oh and he and his dad will probably get a civil claim from the other party in an accident, a police prosecution resulting in at least 6 points each on their licences and a hefty fine each
#20
csiman
[quote=sn0ttyang3l]

Oh and he and his dad will probably get a civil claim from the other party in an accident, a police prosecution resulting in at least 6 points each on their licences and a hefty fine each


As well as having the opportunity to get the car crushed.
banned 1 Like #21
Inactive
csiman
[quote=sn0ttyang3l]

Oh and he and his dad will probably get a civil claim from the other party in an accident, a police prosecution resulting in at least 6 points each on their licences and a hefty fine each


As well as having the opportunity to get the car crushed.

LOL - forgot about that. Always makes me smile when I see a car on a tow truck with a big sign saying "NO INSURANCE - NO CAR!".

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