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Insuring a 2L BMW 2 series

Hi guys,

I got blessed by my parents with a used 2L BMW 2 series (2019 model). Being 17 with a 2L BMW, I expect an expensive insurance premium. However I’m getting quoted upwards of 13k on a 20k car.

Is there any advice for trying to lower the cost? That’s with my parents on the policy btw.

Reply 1

StriderHort

Original post by deniztanrikulu

Is there any advice for trying to lower the cost? That’s with my parents on the policy btw.

Yea get a more sensible car. This is the insurers telling you they are pretty sure you are going to crash in an expensive way.

Reply 2

Tupmole

Original post by Fineappleonpiza

Considering they gave you a 2019 plated BMW as what I presume is your first car, you can probably afford the insurance, your parents would've known this before gifted it to you.....

But anyhow, make one of your parents the main driver and you the named. If your the main driver and you just passed your license on a 19 plate BMW, it makes sense to be that high.

If you want to be the main driver, then sell the BMW buy a cheap car, build up your no claims and when the time is ready by yourself a nice

That's just my opinion

By using parent as main driver, you are suggesting illegal activity…..research ‘fronting’.

Reply 3

Clearing and Applications Advisor

Sell the car. Drive something less silly.

Reply 4

Admit-One

Universities Forum Helper

Original post by OJ DUBZ

It’s absolutely not fronting there’s a thing where you can get someone else as a named driver obviously he doesn’t mean on they’re name it means as a named driver.

That’s why the person you’re quoting was specially referring to adding the parent as the main driver when in reality, they wouldn’t be.

Reply 5

Admit-One

Universities Forum Helper

Original post by OJ DUBZ

The guy who said this didn’t say thats what they did, he brought that up for no reason wtf u on about

Please don’t bump 8 month old threads for things you imagine people said. The thread starter didn’t take any issue with it. It’s redundant at this point. The advice was sound, if you name someone as the main driver, then they must be.