Car Insurance

[daveduke67]

I drive an Audi A4 2001, 10 years no claims although i have 6 points. Clocked doing 38mph in a 30mph zone. I'm not a fast driver although was caught by the same fooking camera twice! I pay £470 full comp with Swift Cover although i expect it to rise when my renewal is due in July.

To the OP - Would your son be better off with a scooter?

Have you told your insurance company of your points? If not your insurance is invalid - you have to tell them - check your policy documents.

 

[Randomer]

I drive an Audi A4 2001, 10 years no claims although i have 6 points. Clocked doing 38mph in a 30mph zone. I'm not a fast driver although was caught by the same fooking camera twice! I pay £470 full comp with Swift Cover although i expect it to rise when my renewal is due in July.

To the OP - Would your son be better off with a scooter?

Have you told your insurance company of your points? If not your insurance is invalid - you have to tell them - check your policy documents.

Points only kick in at renewal, they do not affect your current policy

 

[daveduke67]

Have you told your insurance company of your points? If not your insurance is invalid - you have to tell them - check your policy documents.

Points only kick in at renewal, they do not affect your current policy

I'm pretty sure that any change in your situation can attract a reduction/increase in premiums. It's a while since I dealt with motor insurance but I'm sure you'd be hit with a loading.

From my Aviva policy

''Please tell us immediately you become
aware of:
any changes to your circumstances which
may affect this insurance; or
any other facts noted within the
Information Provided By You document and
your schedule issued by us – for example,
a change to the people to be insured,
motoring convictions for any of the people
to be insured, a change of vehicle, any
vehicle modifications, conversion or a
change in the way that the vehicle is used.''


You do have to tell them though - simple as that.

 

[Randomer]

Points only kick in at renewal, they do not affect your current policy

I'm pretty sure that any change in your situation can attract a reduction/increase in premiums. It's a while since I dealt with motor insurance but I'm sure you'd be hit with a loading.

From my Aviva policy

''Please tell us immediately you become
aware of:
any changes to your circumstances which
may affect this insurance; or
any other facts noted within the
Information Provided By You document and
your schedule issued by us – for example,
a change to the people to be insured,
motoring convictions for any of the people
to be insured, a change of vehicle, any
vehicle modifications, conversion or a
change in the way that the vehicle is used.''


You do have to tell them though - simple as that.

You're right in the sense that you should tell them, but the loadings are not applied until the renewal premium is calculated as it is not an amendment to the policy.

If, however, you make an amendment forcing a recalculation of premium (say a change of vehicle, additional driver...) then the new loadings will probably kick in.

 

[whosonthebench]

I bought a little 106 when i was 17 that cost me £600. The insurance (TPF&T) was 2 grand.

Now at 20 ive got a punto that costs me 1400 on the insurance.

It does go down, you just have to pay it and don't crash or anything.

 

[urmston]

I'm pretty sure that any change in your situation can attract a reduction/increase in premiums. It's a while since I dealt with motor insurance but I'm sure you'd be hit with a loading.

From my Aviva policy

''Please tell us immediately you become
aware of:
any changes to your circumstances which
may affect this insurance; or
any other facts noted within the
Information Provided By You document and
your schedule issued by us – for example,
a change to the people to be insured,
motoring convictions for any of the people
to be insured, a change of vehicle, any
vehicle modifications, conversion or a
change in the way that the vehicle is used.''


You do have to tell them though - simple as that.

You're right in the sense that you should tell them, but the loadings are not applied until the renewal premium is calculated as it is not an amendment to the policy.

If, however, you make an amendment forcing a recalculation of premium (say a change of vehicle, additional driver...) then the new loadings will probably kick in.

I'd tell them now. A small, 3 point fine for speeding often doesn't involve any increase in premiums. But having worked for an insurance company they'll take a very dim view if you claim without having decalred what you were supposed to.

 

[ColinBellsjockstrap]

Just bought my 17 year old lad a 7 year old VW Polo. Looked to get insurance and the cheapest third party quote was almost £6,000. Mental!

Ring Aviva, and haggle HARD, just keep telling them you can get it cheaper elsewhere....Worked for my two lads....came down 45% in three stages in five minutes after they "spoke to their supervisor"........:-)<br /><br />-- Wed Mar 16, 2011 3:23 pm --<br /><br /><a class="postlink" href="http://www.pistonheads.com/gassing/topic.asp?h=0&t=914789&hw=+%2Byoung+%2Binsurance&nmt=Huge" onclick="window.open(this.href);return false;">http://www.pistonheads.com/gassing/topi ... e&nmt=Huge</a> insurance costs for youngsters

 

[desperatedon]

Try i-Kube insurance, cant drive between 11pm and 5am but I've been quoted £1156 for a 1.2L T reg Punto.

Thanks for everyone's tips.

Mikem93, you are an absolute star!

I contacted i-kube, they were very helpfull, I sorted his insurance and it saved me a very large bundle.

Granted, he can't drive between 11 pm and 5 am but you can pay for alot of taxis with a few grand! :-)

Thanks again