First car insurance
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'99 Toyota Yaris, will be ~£750-800 when it's renewal time. I'll be just turned 18 (literally - needs renewing the day after my birthday) with a year's no-claims. Both parents on policy but I'm the main driver. No co-op box etc.
Think it's with Diamond.
Think it's with Diamond.
Original post by hardleyouth
I don't really in visage a situation where anyone would ever lose their license or even get caught for fronting
You crash, it's not insured in your name, insurers refuse to pay out, insurance invalidated, driving without insurance, 6 points (within 2 years) is a ban and fine.
THAT is how people get caught.
And it's envisage, rather than in visage
Original post by IndyAM
You crash, it's not insured in your name, insurers refuse to pay out, insurance invalidated, driving without insurance, 6 points (within 2 years) is a ban and fine.
THAT is how people get caught.
And it's envisage, rather than in visage
THAT is how people get caught.
And it's envisage, rather than in visage
Why would they refuse to pay out? You are insured, you're a named driver, if they refused to pay out when a named driver crashed, there's zero point in the named driver function? They don't just refuse to pay out because its not the main driver?!
And yar I know, macbook autocorrected I think!
Original post by hardleyouth
Why would they refuse to pay out? You are insured, you're a named driver, if they refused to pay out when a named driver crashed, there's zero point in the named driver function? They don't just refuse to pay out because its not the main driver?!
And yar I know, macbook autocorrected I think!
And yar I know, macbook autocorrected I think!
Here's a forum post about someone proving they DIDNT front to their insurers.
http://www.consumeractiongroup.co.uk/forum/showthread.php?129587-how-do-i-prove-we-are-not-fronting-the-car-insurance-policy
It does happen, it's not common but sods law suggests it'll happen to you after you've dismissed it now
Original post by IndyAM
Here's a forum post about someone proving they DIDNT front to their insurers.
http://www.consumeractiongroup.co.uk/forum/showthread.php?129587-how-do-i-prove-we-are-not-fronting-the-car-insurance-policy
It does happen, it's not common but sods law suggests it'll happen to you after you've dismissed it now
http://www.consumeractiongroup.co.uk/forum/showthread.php?129587-how-do-i-prove-we-are-not-fronting-the-car-insurance-policy
It does happen, it's not common but sods law suggests it'll happen to you after you've dismissed it now
Hilarious part is, that lad and his parents aren't actually fronting!
That's one post, like you said, it's rare, along as you've got a concrete solid story between the named and main drivers, there's no way, without surveilling you, that they can prove you're fronting.
Original post by hardleyouth
Hilarious part is, that lad and his parents aren't actually fronting!
That's one post, like you said, it's rare, along as you've got a concrete solid story between the named and main drivers, there's no way, without surveilling you, that they can prove you're fronting.
That's one post, like you said, it's rare, along as you've got a concrete solid story between the named and main drivers, there's no way, without surveilling you, that they can prove you're fronting.
It's not unknown for insurance companies to use surveillance too
Especially if you have a box (GPS tracker) on your car.
Original post by IndyAM
It's not unknown for insurance companies to use surveillance too
Especially if you have a box (GPS tracker) on your car.
Especially if you have a box (GPS tracker) on your car.
That's why I'd NEVER have a box!
Sometimes you're late for work and you have to accelerate that little bit faster, I couldn't deal with the OH YOU DROVE REALLY FAST THE OTHER DAY SO WE'RE GOING TO INCREASE YOUR PREMIUM 50% - atleast, that's how I imagine it would happen as insurance firms are bastards!Original post by hardleyouth
That's why I'd NEVER have a box! Sometimes you're late for work and you have to accelerate that little bit faster, I couldn't deal with the OH YOU DROVE REALLY FAST THE OTHER DAY SO WE'RE GOING TO INCREASE YOUR PREMIUM 50% - atleast, that's how I imagine it would happen as insurance firms are bastards!
Sometimes you're late for work and you have to accelerate that little bit faster, I couldn't deal with the OH YOU DROVE REALLY FAST THE OTHER DAY SO WE'RE GOING TO INCREASE YOUR PREMIUM 50% - atleast, that's how I imagine it would happen as insurance firms are bastards!Doesn't work like that.
At least not with Ingenie.
Don't know what it is about me but i've always been quoted atleast £3k from places like co-op, just got a policy from admiral for £900 fully comp - much cheaper and no box keeping a track of how i drive 
Original post by Phantom Shadow
Don't know what it is about me but i've always been quoted atleast £3k from places like co-op, just got a policy from admiral for £900 fully comp - much cheaper and no box keeping a track of how i drive
How did you get that low?
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I don't know why it is so cheap, everywhere else was several thousand. admiral: 19, no ncb, had license 2 years and thats with 1 at fault claim around 18 months ago.
Was originally going to be £600 TPFT but that car was too old and corroded and needed to be scrapped. now fully comp on a £4k fiesta with a 1.4L engine and it is £900.
Found having 2 older female drivers was cheaper than just both parents on it. Think my postcode makes a huge difference, put in my uni postcode and it goes upto around £1500.
could've been cheaper but i need business use as well
Was originally going to be £600 TPFT but that car was too old and corroded and needed to be scrapped. now fully comp on a £4k fiesta with a 1.4L engine and it is £900.
Found having 2 older female drivers was cheaper than just both parents on it. Think my postcode makes a huge difference, put in my uni postcode and it goes upto around £1500.
could've been cheaper but i need business use as well
Original post by tomrw
Doesn't work like that.
At least not with Ingenie.
At least not with Ingenie.
Like I said, that's just how I imagine, as insurance firms are thieving bastards looking for every which way to push up premiums and avoid paying out.
So what happens if you speed or something? (I presume you have an Ingenie and black box policy?)
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