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Car insurance quotes

dandoc2 Avatar
8y, 4m agoPosted 8 years, 4 months ago
Ok so im looking to get a car but whats ruining it for me is the insurance quotes

Now for some reason when i do the quote if add £600 for my being unemployed and £200 more for ym automatic license

Can some explain what

Anyone any hints or tricks to knock down your insurance - not illegally though

Daniel
dandoc2 Avatar
8y, 4m agoPosted 8 years, 4 months ago
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Comments/page:
#1
Go Thru Quidco and type in inurance.

Lloyds and Privelidge knock 70quid off
#2
Get your mum/dad on there as a named driver.
#3
if you go for a higher excess to pay ,you should get it down a little - be aware tho if you do need to claim you pay the access
#4
Shengis
Get your mum/dad on there as a named driver.

Ive added my dad onyl knocks like £200 off

Is it illegal to put my dad as the main insurer and my below him as a named driver
twinks
Ok try other insurers,:
The majority dont ask auto/manual licence?
Change from unemployed to student or 'houseperson' (other option to housewife)
Definately try and get an experienced driver on your insurance if you can, or just go on theirs, the only downside is not earning your own no claims...
Go through Quidco or another cashback site


Houseperson yeh that sounds good
elephant my dad rang up and they quoted him £1800 and when he said i was auot they said oh thats £2000

will retry it now ty
#5
Your insurance will be quite high if you're male and have only been driving for a short amount of time. A lot of my male friends' insurance was £1000+ for their first cars when they first passed.
#6
Dont think so Daniel, when I had a look on a corsa with my dad as main driver and me as a named it only costed £400 but if i did it as me as main it costed £980. (with my provisional)

I think you can only do it this way if the car is registered in your dads name btw or the insurance is void.
#7
angelfairee
Your insurance will be quite high if you're male and have only been driving for a short amount of time. A lot of my male friends' insurance was £1000+ for their first cars when they first passed.


it is sexist though how womens insurance is cheaper
#8
What car are you quoting on? Who have you tried? Doing my own insurance quotes now for renewal but I have 3 years No Claims.

Yours is going to be high at the end of the day. My first insurance was £1000 on a Peugeot 306 1.6 Manual at 19.

Some suggestions: Adrian Flux (not on a comparison site) and Quinn Direct.
#9
dandoc2
it is sexist though how womens insurance is cheaper


Yep, but that's the way it goes. When I first started driving I had a 1.4 Fiesta in my own name and it was about £500 for the insurance, whereas male friends with cars with smaller engines were paying £1000 to be a named driver on their mum/dad's insurance.

Teehee.
#10
twinks
Lol, now you know how us women feel :-D


well both have crashes i know 2 close friends - 1 male 1 female both crashed their cares withint 1 month of passing their test
#11
dandoc2;2512028
Ive added my dad onyl knocks like £200 off

Is it illegal to put my dad as the main insurer and my below him as a named driver


This is technically legal however if the insurance company find out you are the main driver and not your Dad then they can void the insurance and refuse to pay out in the event of a claim.

John
#12
So am i breaking any laws by saying im a house husband when im 19 and not married
quote came up as £1800 btw full comp wiht £500 excess

Just did it third fire and theft with £250 excess came to £1500
#13
twinks
did it specifically say house HUSBAND or did it say houseperson/homemaker?

No one can deny that you are a houseperson or homemaker if you are at home not working its too much of a grey area, but the word husband..well thats a lie :p


There no houseperson just house husband or wife#


Ok to show how unfair it is

For househusband (not a job that brings in money )
My quote 3rd party fire and theft with £250 excess is
£1500

For unemployed( not brinign in any money)
3rd party fire and theft with £250
£2190

No joke
#14
twinks;2512254
very difficult to prove no?


Not particuarly, if the named driver was the one driving when the claim was made the insurance company can simply reject it and request proof that the person isn't the main driver. Admittedly it's not something I've had to experience myself but I have seen how eager insurance companies are to avoid paying out. News article on it here:

http://www.thisismoney.co.uk/insurance/car-insurance/article.html?in_article_id=424629&in_page_id=35

John
#15
twinks;2512310
So, in theory my idea could save you over £600? next rounds yours ;-) oh, forgot, you arent old enough lol

whose to say you dont have a live in girlfriend who works?

he's 19 :thumbsup:
#16
twinks
So, in theory my idea could save you over £600? next rounds yours ;-) oh, forgot, you arent old enough lol

whose to say you dont have a live in girlfriend who works?


if only i had a girlfriend - could marry her and cut my insurance down as a house husband :p
#17
ok so its illegal to put my dad as the owner of the car and then me as a named driver if its gunna be my car ok
and its illegal to put my job as something im note

So basically pay £2000 a year min or face a fine - thanks government so much for a free world
#18
twinks
Househusband is pretty bias towards being married, but again, very difficult to prove you dont consider yourself a househusband to your 'live in girlfriend'
Other option is housekeeper..in that you housekeep for your parents..i know its a technicality but again, if in general you do that day to day then put it.


hmm will try :-D

lol as long as my job seekers allowance that i just got isnt linked to my insurance as they will say hey uour got a job no money for you

wish there was an option - " lazy sob but i have money saved up to cover my quote"
#19
have you thought about doing a pass plus course?This brings the cost down, when I passed I bought my pass plus certificate from my instructor for £50 and it reduced my insurance by 50%, it came down from £1400 to just over £700.
#20
treble99
have you thought about doing a pass plus course?This brings the cost down, when I passed I bought my pass plus certificate from my instructor for £50 and it reduced my insurance by 50%, it came down from £1400 to just over £700.


nah not worth it tbh

Btw what do i put as business sector for housekeepr??

also for student do i Actualyl have to be a student or could i say im studying the effects of unemployment

the joke is i need the car to help my prospects of finding work but i cant reduce the insurance without the job
banned#21
If you stick your dad as the main driver but you are the one using it most of the time then your insurance will become void if you crash, basically they can tell if your dad already has a car etc so why use a second car, theres a special word which is used which describes this type of 'cheating' called Fronting

http://www.insurancedaily.co.uk/2007/11/01/illegal-fronting-in-car-insurance-a-growing-problem/

It's easy for the insurance company to void your policy, but a lot harder for you to fight the void if you crash.
#22
It's not really sexist that woman have it cheaper, it is just based on statistics. Womans claims tend to not be as high as that of males. You can also bring it down a small bit if as said before you add more voluntary excess (usually max is £500).

My friend bought insurance with ESURE recently.. said they never asked for proof of no claims discount. Strange ?
#23
thrustmaster;2512450
It's not really sexist that woman have it cheaper, it is just based on statistics. Womans claims tend to not be as high as that of males. You can also bring it down a small bit if as said before you add more voluntary excess (usually max is £500).

My friend bought insurance with ESURE recently.. said they never asked for proof of no claims discount. Strange ?


I had the same with Arnold Clark, it was some fixed rate quote - caused quite a few headaches the year after though.

John

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