What a joke! It's ridiculous, i've just passed today and the cheapest quotes i'm finding are like 6/7 grand for little cars like puntos etc. So i'm just wondering if anyone knows any cheap insurance companies and cars for a 17 year old lad whos not been driving a day. Apparently i live in a black spot? My house is across the road from a police station and is quite a nice area where (touch wood) we never hear of any car crime.
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Car insurance
- Thread starter mcfcjosh
- Start date
1_barry_conlon
Well-Known Member
mcfcjosh said:What a joke! It's ridiculous, i've just passed today and the cheapest quotes i'm finding are like 6/7 grand for little cars like puntos etc. So i'm just wondering if anyone knows any cheap insurance companies and cars for a 17 year old lad whos not been driving a day. Apparently i live in a black spot? My house is across the road from a police station and is quite a nice area where (touch wood) we never hear of any car crime.
Can you not get on your parents insurance,might prove a bit cheaper for the time being?
adamgregory
Well-Known Member
mcfcjosh said:What a joke! It's ridiculous, i've just passed today and the cheapest quotes i'm finding are like 6/7 grand for little cars like puntos etc. So i'm just wondering if anyone knows any cheap insurance companies and cars for a 17 year old lad whos not been driving a day. Apparently i live in a black spot? My house is across the road from a police station and is quite a nice area where (touch wood) we never hear of any car crime.
your best bet is to get your mum or dad to insure it as if they were the main driver with you as a named driver mate, otherwise you will continue to have your pants pulled down. you will prob still pay about a grand or 2 but thats better than 6 isnt it. your age youre bound to have daft quotes as its 17-24 year olds that cause most accidents.
You mean using their car? Its got too big an engine so i can't get insured on it<br /><br />-- Mon Sep 20, 2010 4:31 pm --<br /><br />1_barry_conlon said:mcfcjosh said:What a joke! It's ridiculous, i've just passed today and the cheapest quotes i'm finding are like 6/7 grand for little cars like puntos etc. So i'm just wondering if anyone knows any cheap insurance companies and cars for a 17 year old lad whos not been driving a day. Apparently i live in a black spot? My house is across the road from a police station and is quite a nice area where (touch wood) we never hear of any car crime.
Can you not get on your parents insurance,might prove a bit cheaper for the time being?
The only problem is, I don't gain any new claims that way do i so it will stay quite dear? i will look into it though. cheersadamgregory said:mcfcjosh said:What a joke! It's ridiculous, i've just passed today and the cheapest quotes i'm finding are like 6/7 grand for little cars like puntos etc. So i'm just wondering if anyone knows any cheap insurance companies and cars for a 17 year old lad whos not been driving a day. Apparently i live in a black spot? My house is across the road from a police station and is quite a nice area where (touch wood) we never hear of any car crime.
your best bet is to get your mum or dad to insure it as if they were the main driver with you as a named driver mate, otherwise you will continue to have your pants pulled down. you will prob still pay about a grand or 2 but thats better than 6 isnt it. your age youre bound to have daft quotes as its 17-24 year olds that cause most accidents.
adamgregory
Well-Known Member
mcfcjosh said:The only problem is, I don't gain any new claims that way do i so it will stay quite dear? i will look into it though. cheers
you wont gain any but the thing that doesnt help you at the minute is youve only just passed so have no years experience, no no-claims, and a bad age group. I sacrificed the no claims until i was 21 so the fact that I had 4 years experience and was a slightly better age group countered the fact I had no no-claims. its up to you mate, horses for courses really
adamgregory said:mcfcjosh said:What a joke! It's ridiculous, i've just passed today and the cheapest quotes i'm finding are like 6/7 grand for little cars like puntos etc. So i'm just wondering if anyone knows any cheap insurance companies and cars for a 17 year old lad whos not been driving a day. Apparently i live in a black spot? My house is across the road from a police station and is quite a nice area where (touch wood) we never hear of any car crime.
your best bet is to get your mum or dad to insure it as if they were the main driver with you as a named driver mate, otherwise you will continue to have your pants pulled down. you will prob still pay about a grand or 2 but thats better than 6 isnt it. your age youre bound to have daft quotes as its 17-24 year olds that cause most accidents.
Technically classed as insurance fraud, if you were to make a claim and they look into it (which insurance companies are doing more and more) and find out you are actually the main driver of the car and were insuring it that way to make it cheaper they will refuse to pay out to you and any third party making a claim on your insurance.
A customer of mine did this for their lad and he stacked the car into someones house, taking out the living room wall and writing off the car an the driveway. Insurance company knew the son was driving as police attended, looked into things a bit more, talked to residents of street the family lived in and came to the conclusion the parents were 'Fronting' the insurance to make it cheaper for the lad. Refused the claim and the parents are left with a bill of over £10000 to rebuild the house wall and replace the written of car, on top of that they have to replace their written of car and as they have commited insurance fraud are finding it hard to get anyone to insure them.
We told them this when they bought the car from us and they acutally used the phrase 'It will be OK, it won't happen to us'......7 weeks after buying the car the accident happened.
A lad in our workshops has an MG ZR 55 reg , is 20 years old and has a reasonable insurance policy, the have put a tracker in the car, he can't drive it between 11pm - 5 am. If he needs to go out in these hours he pays a one off £45 fee.
The insurance was quoted at £2900, with tracker form company called IKube it was £1200 fully comprehensive.
tueartsboots
Well-Known Member
Well said Cake, yes it is fraud.Cake said:adamgregory said:your best bet is to get your mum or dad to insure it as if they were the main driver with you as a named driver mate, otherwise you will continue to have your pants pulled down. you will prob still pay about a grand or 2 but thats better than 6 isnt it. your age youre bound to have daft quotes as its 17-24 year olds that cause most accidents.
Technically classed as insurance fraud, if you were to make a claim and they look into it (which insurance companies are doing more and more) and find out you are actually the main driver of the car and were insuring it that way to make it cheaper they will refuse to pay out to you and any third party making a claim on your insurance.
A customer of mine did this for their lad and he stacked the car into someones house, taking out the living room wall and writing off the car an the driveway. Insurance company knew the son was driving as police attended, looked into things a bit more, talked to residents of street the family lived in and came to the conclusion the parents were 'Fronting' the insurance to make it cheaper for the lad. Refused the claim and the parents are left with a bill of over £10000 to rebuild the house wall and replace the written of car, on top of that they have to replace their written of car and as they have commited insurance fraud are finding it hard to get anyone to insure them.
We told them this when they bought the car from us and they acutally used the phrase 'It will be OK, it won't happen to us'......7 weeks after buying the car the accident happened.
A flad in our workshops has a MG ZR, is 20 and has a reasonable insurance policy, the have put a tracker in the car, he can't drive it between 11pm - 5 am. If he needs to go out in these hours he pays a one off £45 fee.
The insurance was quoted at £2900, with tracker form company called IQube it was £1200 fully comprehensive.
tueartsboots said:Well said Cake, yes it is fraud.Cake said:Technically classed as insurance fraud, if you were to make a claim and they look into it (which insurance companies are doing more and more) and find out you are actually the main driver of the car and were insuring it that way to make it cheaper they will refuse to pay out to you and any third party making a claim on your insurance.
A customer of mine did this for their lad and he stacked the car into someones house, taking out the living room wall and writing off the car an the driveway. Insurance company knew the son was driving as police attended, looked into things a bit more, talked to residents of street the family lived in and came to the conclusion the parents were 'Fronting' the insurance to make it cheaper for the lad. Refused the claim and the parents are left with a bill of over £10000 to rebuild the house wall and replace the written of car, on top of that they have to replace their written of car and as they have commited insurance fraud are finding it hard to get anyone to insure them.
We told them this when they bought the car from us and they acutally used the phrase 'It will be OK, it won't happen to us'......7 weeks after buying the car the accident happened.
A flad in our workshops has a MG ZR, is 20 and has a reasonable insurance policy, the have put a tracker in the car, he can't drive it between 11pm - 5 am. If he needs to go out in these hours he pays a one off £45 fee.
The insurance was quoted at £2900, with tracker form company called IQube it was £1200 fully comprehensive.
Can understand the temptation in doing it but for me it just wouldnt be worth the risk.
My Mrs's sister has just done her insurance through this IKube company, she gets pissed off sometimes as wants to use her car after 11pm but the blow is softend by the £1400 saving she has made for a years insurance.
adamgregory
Well-Known Member
tueartsboots said:Well said Cake, yes it is fraud.
Not if done correctly, I used the car some evenings and at weekends which was within the law and still got about fine, hung about with my mates and stuff and my mum took it to work every other day instead of her car so she used it more than me. done properly as its intended is fine, the fool who bought a car for someone and did this to save money well they deserved what they got.
I got 4 years driving experience out of it and got to use the car when i needed it, when my mates were off out in theirs, we would all take turns to leave our cars at home and be passengers in others.
tueartsboots
Well-Known Member
Still dodgy. To the OP, there are policies that are cheaper but have restrictions, no driving after 11pm and the such. You should also look into Motorway driving test and there is another course, I forget what it's called but can reduce insurance costs quite dramatically.adamgregory said:tueartsboots said:Well said Cake, yes it is fraud.
Not if done correctly, I used the car some evenings and at weekends which was within the law and still got about fine, hung about with my mates and stuff and my mum took it to work every other day instead of her car so she used it more than me. done properly as its intended is fine, the fool who bought a car for someone and did this to save money well they deserved what they got.
I got 4 years driving experience out of it and got to use the car when i needed it, when my mates were off out in theirs, we would all take turns to leave our cars at home and be passengers in others.