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    Insurance Madness

    Getting a car soon ( original mini)
    and been checking insurance out recently ( ive not claims bonus and have had my licence for a month)
    Anyways i put in £500 excess - 3rd party - my dad additional driver - unemployed ( as its makes a diff) came up £2054 - no legal cover or breakdown

    Then i do £0 excess - full comp - no additional driver - unemployed - comes up £1800
    With free legal cover + breakdown

    Can anyone explain that

    Daniel

    21 Comments

    Does your dad have any crashes/ points on his license?

    Original Poster

    Titchimp;2859142

    Does your dad have any crashes/ points on his license?



    10+ years held licence and claims bonus 10+
    no crash or anything

    need to get my mini quick

    dandoc2;2859173

    10+ years held licence and claims bonus 10+ no crash or anythingneed to … 10+ years held licence and claims bonus 10+ no crash or anythingneed to get my mini quick



    is it the same company both times?

    Mine was cheaper Comp than 3rd party.. but it was because one company wouldnt offer me the insurance 3rd party

    how old are you

    i done my car insurance in january 2 days after passing my test, with ecarinsurance (you can get cashback with various cashback sites aswell)

    for a 1.3i hyundai accent coupe P reg they insured me for £800, not too bad, this is on my own policy(not on a parents)

    have you tried using a comparison site?

    This was for fully comp and excess £100

    Have you tried making it so that your dad is the main driver and it is his policy but he has protected no claims? Im currently insured for £1000 fully comp with legal protection on a 02 corsa 1.7di with my mum and dad as drivers.

    Original Poster

    Tatey;2859242

    Have you tried making it so that your dad is the main driver and it is … Have you tried making it so that your dad is the main driver and it is his policy but he has protected no claims? Im currently insured for £1000 fully comp with legal protection on a 02 corsa 1.7di with my mum and dad as drivers.



    Nope its going to be my car and if i did that its illegal

    Banned

    dandoc2;2860407

    Nope its going to be my car and if i did that its illegal



    what? how do you work that out - lol

    Banned

    dandoc2;2860407

    Nope its going to be my car and if i did that its illegal



    WTF?

    If your dad wants to insure the car and name you as the driver, thats up to him. Obviously it would affect his NCB if you crashed it.

    dandoc = pwned

    Actually its called fronting and it is illegal, of coarse it is unlikely you will get found out though.

    Legally you can insure the car in a parents name as long as you declare the correct main driver and number of vehicles in the household, if they have not got any spare no claims bonus though it will not be any cheaper as the policy will be rated on the young/inexperienced driver anyway.

    (I am in the trade so I know what I am talking about)

    Original Poster

    jallsey;2860644

    Actually its called fronting and it is illegal, of coarse it is unlikely … Actually its called fronting and it is illegal, of coarse it is unlikely you will get found out though.Legally you can insure the car in a parents name as long as you declare the correct main driver and number of vehicles in the household, if they have not got any spare no claims bonus though it will not be any cheaper as the policy will be rated on the young/inexperienced driver anyway.(I am in the trade so I know what I am talking about)




    Yer thats what i meant - fronting - if it was my car and my dad was named driver and i crashed im ******

    Its going to be my car so its my insurance and im not breaking the law to save a few hundred

    Original Poster

    guv;2860528

    WTF?If your dad wants to insure the car and name you as the driver, thats … WTF?If your dad wants to insure the car and name you as the driver, thats up to him. Obviously it would affect his NCB if you crashed it.



    yer thats why im not doing it like that

    dandoc2;2865378

    Yer thats what i meant - fronting - if it was my car and my dad was named … Yer thats what i meant - fronting - if it was my car and my dad was named driver and i crashed im ****** Its going to be my car so its my insurance and im not breaking the law to save a few hundred



    but that wouldnt be breaking the law. Just means you won't be building up your own ncb by not having your own insurance and your dad will suffer if you crash

    autolesbona;2865547

    but that wouldnt be breaking the law. Just means you won't be building up … but that wouldnt be breaking the law. Just means you won't be building up your own ncb by not having your own insurance and your dad will suffer if you crash



    It IS illegal, and is called Fronting

    A fraud called "fronting" occurs when a young person has a car in their … A fraud called "fronting" occurs when a young person has a car in their own name, but the insurer is falsely told that a parent is the main driver.Premiums are cut by hundreds of pounds but claims are rejected as the driver is told they are not properly insured.



    news.bbc.co.uk/1/h…stm

    Original Poster

    Managed to get it for £1887.90 from churchill with legal cover

    Banned

    dandoc2;2914866

    Managed to get it for £1887.90 from churchill with legal cover



    Bargain!!! :w00t:

    Original Poster

    guv;2914929

    Bargain!!! :w00t:



    Yer full comp - £0 excess for a 1994 rover mini spirte which i get this sat

    dandoc2;2915144

    Yer full comp - £0 excess for a 1994 rover mini spirte which i get this … Yer full comp - £0 excess for a 1994 rover mini spirte which i get this sat




    you should put some Excess on it, it really brings the price down - try getting another quote for £500 excess - in fact i'm suprised they even gave you a quote with £0 excess

    NO excess? Like hook said.. i would put a few hundred on.

    Banned

    dandoc2;2860407

    Nope its going to be my car and if i did that its illegal


    For once, I partially agree with Dandoc :w00t:

    Whilst not being strictly illegal, the insurance company will not pay out for a claim if they can prove Dandoc was the main driver.

    They do have vays of making you talk ;-)

    Original Poster

    Captain Hook;2915238

    you should put some Excess on it, it really brings the price down - try … you should put some Excess on it, it really brings the price down - try getting another quote for £500 excess - in fact i'm suprised they even gave you a quote with £0 excess



    lol i put the same quote with £500 excess adn it was £2000 so........
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