insurancey stuff Watch

cole7011
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#1
Report Thread starter 13 years ago
#1
ello...! from peoples experiances any idea how much it is to get put on like a parents car insurance ? if your a learner driver? 17... ? just to get out a bit more other then just with the instuctor etc...

driving instructor blokey said he's heard any where from like nothing to couple of 100, though i was thinking more like a 1000 ?

interested in peoples experiances in getting put on rents insurance pleeassse!

micka
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pghstochaj
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#2
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#2
The real only way is to phone up and find out, it is different for everybody, so much so one person could pay zero extra and another be refused insurance. There's very little point in finding an average...
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chupacabras
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#3
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#3
It cost £30 for me to be added to my mum's insurance for a year. (1.6l Daewoo Lanos)
It will vary depending on the car you want adding to, if I wanted to be put on my dads insurance it would have been about £600. (BMW 730)
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lovelee-jublee
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#4
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#4
not sure if this is related, but me and my boyfriend have just bought a car, but to try and get a cheaper deal we've put his mum as first driver and we're both additional drivers...I'm 17 and he's 19, and his mum has had no claims for about 20 years. The price...over £1000, because of my age :mad:
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Juno
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#5
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#5
(Original post by lil_lee)
not sure if this is related, but me and my boyfriend have just bought a car, but to try and get a cheaper deal we've put his mum as first driver and we're both additional drivers...I'm 17 and he's 19, and his mum has had no claims for about 20 years. The price...over £1000, because of my age :mad:
That's fraud if your mum isn't really the main driver. You better hope they don't find out!

Also, it may be cheaper now but you won't build up a no claims bonus so it will be more expensive in future.
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MorbidAngel
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#6
Report 13 years ago
#6
(Original post by chupacabras)
It cost £30 for me to be added to my mum's insurance for a year. (1.6l Daewoo Lanos)
It will vary depending on the car you want adding to, if I wanted to be put on my dads insurance it would have been about £600. (BMW 730)
and then its gonna be expensive when your on your own, depending on the prices etc, it could work out cheaper on your own from the start
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MorbidAngel
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#7
Report 13 years ago
#7
(Original post by Juno)
That's fraud if your mum isn't really the main driver. You better hope they don't find out!
well if insurance companies didnt charge so much then we would have that problem. and there would be less uninsured drivers
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Juno
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#8
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#8
(Original post by MorbidAngel)
well if insurance companies didnt charge so much then we would have that problem. and there would be less uninsured drivers
But then insurance companies have to charge so much to cover the uninsured drivers!
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Né Stig
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#9
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#9
(Original post by Juno)
That's fraud if your mum isn't really the main driver. You better hope they don't find out!

Also, it may be cheaper now but you won't build up a no claims bonus so it will be more expensive in future.
I do believe half the country does this as a result of the robbing insurance companies!
And No if you really think insurance companies would lower their price if everyone paid :rolleyes: That extra cash would be going into the good old RP or Shareholders hands, not introducing lower costs.

Insurance companies were born to rob. You could do everything by the book and you will still get robbed by them when it comes to paying out for your car.
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MorbidAngel
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#10
Report 13 years ago
#10
and if someone crashes into you (even if its their fault and they pay up for repairs etc) you often get charged more for it. even tho it wasnt your fault. ****in disgrace.

and some insurance companies are useless. especially norwich union. they seem to think that my astra envoy 1.7CDTI diesel has a petrol engine (id hope it isnt, since i keep puttin diesel in and it runs fine!), envoy means nothin and the version of the car is a CDTI. even her manager said the same thing!


and then recently, egg insurance didnt actually insure me even tho i have a printout of the confirmation page, so it turns out i went a month with no insurance
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chupacabras
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#11
Report 13 years ago
#11
(Original post by MorbidAngel)
and then its gonna be expensive when your on your own, depending on the prices etc, it could work out cheaper on your own from the start
Im now insured the same way as lil_lee, this costs me £600 a year.

It will only work out more expensive if I stick with my current car, my 1.1 Punto will cost around £1300 (TPFT) when I decide to change it over to my name. However I wont be doing that as Ive found a car I want that can be insured for £760 fully comp. So ill be getting that when I have £5k saved up.

So in the long run yes it would be more expensive, however I couldnt afford an extra £800 a year when I just had a Saturday job.
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pghstochaj
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#12
Report 13 years ago
#12
Your mother can't use her NCB on two different cars, unless she has a specialised (and rare) policy - usually for classic cars etc. It's fraud and very obvious.

You also can't be a named driver if you're the main driver, as explained above. It's fraud and even more obvious.
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MorbidAngel
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#13
Report 13 years ago
#13
(Original post by pghstochaj)
Your mother can't use her NCB on two different cars, unless she has a specialised (and rare) policy - usually for classic cars etc. It's fraud and very obvious.

You also can't be a named driver if you're the main driver, as explained above. It's fraud and even more obvious.
if there is a way to reduce cost, do it. after all, i dont use my car for work . or any other 'paid business'
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pghstochaj
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#14
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#14
Well you may as well not pay for insurance then - that's a way to reduce the cost, underinsured is not insured. Simple as.
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MorbidAngel
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#15
Report 13 years ago
#15
(Original post by pghstochaj)
Well you may as well not pay for insurance then - that's a way to reduce the cost, underinsured is not insured. Simple as.
nothin wrong with robbin a few companies.... after all, the government do it on a much larger scale and get away with it.
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chupacabras
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#16
Report 13 years ago
#16
The govt rob around 60 million people. I'm not underinsured either. I am a named driver on the policy, CIS know I'm the main driver and have no trouble with this and she isn't using the same NCB on two cars, she has full NCB for her car, only 2 years on mine.
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pghstochaj
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#17
Report 13 years ago
#17
It's a technical offence to be a named driver if you're the main driver, if CIS know you're the main driver, that's different. As a general rule, if you doing something which lowers your premium and it isn't reality, you're commiting fraud.

There is an interesting read here (max power of all places):
http://www.maxpower.co.uk/forum/topi...TOPIC_ID=53273
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BexTait
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#18
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#18
When my Mum was looking at renewing her insurance and putting my bor on it a couple of months back, she was told something along the lines that insurance companies will be starting to give quotes based on the most at risk driver, thus a policy with, for example, a young driver on their parents insurance will still cost the same as the young driver being the policy holder. I can't for the life of me remember which insurance company it was that said that though.
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OMGWTF
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#19
Report 13 years ago
#19
Yeah, im on my mum and dads policy. My dad has a speeding conviction but it didn't do anything to the quote
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lovelee-jublee
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#20
Report 13 years ago
#20
(Original post by Juno)
That's fraud if your mum isn't really the main driver. You better hope they don't find out!

Also, it may be cheaper now but you won't build up a no claims bonus so it will be more expensive in future.
We've actually spoken to various insurance companies and my driving instructor and they say there's no reason why we can't do it. We will have his mum as the registered keeper/owner.

Anyways, it is only going to be for the short-term, as I'm off to Uni in September and there's no way on earth I'll be able to afford a car, petrol, insurance etc!

As for the no claims bit, I'm not really that concerned, for the same reason that I'm going to Uni and won't even be driving that much. When I come to getting my own car I will be older and will have held my licence for longer so insurance will be cheaper anyways!!! (fingers crossed!)
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