mark_gsi
Member
Registered: 1st Nov 03
Location: Peterlee/darlington
User status: Offline
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I'm thinking of buying a second car to use for work etc to keep the miles of the vts. Thinking of getting a vec 2.2 sri diesel. only thing is my insurance want me to make a second policy and want to charge 1900 quid for it, No chance am I paying that. So what i thought is getting it insured and registered in my dads name and me driving it as im insured to drive any car, social domestic and commuting to and from work etc. now if i done that i'd be ok to drive it all the time wouldn't I with his permision of course. Either that or get me put on as a second driver? which would be the best idea?
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John
Member
Registered: 30th Jun 03
User status: Offline
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Your dad has to own the car but yes.
Is there a reason you want to keep miles off a saxo?
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mark_gsi
Member
Registered: 1st Nov 03
Location: Peterlee/darlington
User status: Offline
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yea it will be registered in his name.
well tbh mate, its not reliable enough for me and i work quite far away now. so if it broke down agen, which it will. i wont be able to get there, thats why i want a second car. I think it would be a good idea. plus i could get the saxo of the road for a month or so and sort some things out onit.
[Edited on 23-03-2010 by mark_gsi]
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P1CK4D
Member
Registered: 19th Jun 06
Location: Around Essex Somewhere
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Would it not be cheaper to buy a car thats reliable in the first place?
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willay
Moderator
Organiser: South East, National Events
Premium Member
Registered: 10th Nov 02
Location: Roydon, Essex
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just get rid of the saxo if its not reliable?
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mark_gsi
Member
Registered: 1st Nov 03
Location: Peterlee/darlington
User status: Offline
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the thing is tho i want to keep the saxo for a weekend car and some thing to play about with. and just have a diesel for work and any other long journeys i do. plus if i only have 1 car and it goes wrong i have no way of getting to work.
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willay
Moderator
Organiser: South East, National Events
Premium Member
Registered: 10th Nov 02
Location: Roydon, Essex
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swap your insurance over to the diesel, keep the saxo off the road while you fix it, once fixed insure it ultra low miles and third party to keep costs down>?
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mark_gsi
Member
Registered: 1st Nov 03
Location: Peterlee/darlington
User status: Offline
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cant asked about that as well it will still cost a lot. it would be cheaper just getting my dad to insure it and me using it or getting put on as second driver. ive only got 2ncb so having 2 polices is just going to be a killer.
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P1CK4D
Member
Registered: 19th Jun 06
Location: Around Essex Somewhere
User status: Offline
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quote:
Originally posted by willay
just get rid of the saxo if its not reliable?
And then do it properly when you can afford to.
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Graham88
Member
Registered: 16th Apr 07
Location: South East Kent Drives: E46 M3
User status: Offline
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I bought a van to keep the miles off my car so I've got 2 policies. You'll be able to get a multi car policy so might be worth looking into.
I have 3 vehicles in 3 different classes so can't have a multi vehicle policy, it's a con.
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Nic Barnes
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Registered: 5th Apr 04
Location: nowhere near ginger people
User status: Offline
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i cant get a multi car policy due to my corsa being the other car. with having 2 cars i use my vectra most week days for work, then i used the corsa every weekend and any evening i was going somewhere. put probably about the same miles on each in a week.
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AK
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Registered: 5th Jul 00
Location: Aberdeen City
User status: Offline
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keep the miles off a VTS?!
A old budget hot hatch? Its not a cherished super car - it wont really make a difference. Just use it.
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Andy Stocker
Member
Registered: 31st Aug 00
Location: Herts Drives: Porsche 911
User status: Offline
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My insurance mirrored by NCB on my 2nd policy
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AK
Member
Registered: 5th Jul 00
Location: Aberdeen City
User status: Offline
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quote:
Originally posted by mark_gsi
the thing is tho i want to keep the saxo for a weekend car and some thing to play about with. and just have a diesel for work and any other long journeys i do. plus if i only have 1 car and it goes wrong i have no way of getting to work.
Christ How does anyone with 1 car survive! Dont be so pesimistic.
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glenny16v
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Registered: 15th Dec 09
Location: N. Ireland
User status: Offline
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My dad has a mate who owns a bmw 3 series but drives a nissan micra during the week to save on petrol
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Graham88
Member
Registered: 16th Apr 07
Location: South East Kent Drives: E46 M3
User status: Offline
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quote:
Originally posted by glenny16v
My dad has a mate who owns a bmw 3 series but drives a nissan micra during the week to save on petrol
That makes sense though, that's one of the reasons I have my van, but a Vts is hardly a petrol muncher
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Gaz
Member
Registered: 24th Aug 03
Location: Widnes, Cheshire
User status: Offline
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I was under the impression that a named driver was only allowed to use the car that was deemed to be "on occasions"... 2/3 times per week?
Might be wrong with this but TBH your going to do it anyway.
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Andrew
Member
Registered: 5th May 04
Location: Skoda Octavia Estate, Ford Puma
User status: Offline
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quote:
Originally posted by Gaz
I was under the impression that a named driver was only allowed to use the car that was deemed to be "on occasions"... 2/3 times per week?
Might be wrong with this but TBH your going to do it anyway.
You feed everyone this shit, have done for the past 3 years. I'm wanting some evidence to back this up.
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Nic Barnes
Member
Registered: 5th Apr 04
Location: nowhere near ginger people
User status: Offline
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when i was 17-18 i was a named driver on my ma's 1.3 cl beige b reg golf. i used it all the time. got pulled over many times. never heard that you can only use it once or twice a week? you are named on the policy, therefore covered to drive it to africa if you choose.
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Graham88
Member
Registered: 16th Apr 07
Location: South East Kent Drives: E46 M3
User status: Offline
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I don't understand how being a named driver means you're not allowed to drive it as much, if you're insured then you can drive it as much as you damn like, that's what you pay a premium for.
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Graham88
Member
Registered: 16th Apr 07
Location: South East Kent Drives: E46 M3
User status: Offline
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We're so alike Nic
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thegsi
Member
Registered: 3rd Feb 07
Location: Kidderminster Drives: Evo (you can't afford one)
User status: Offline
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The way I do it is i registered my Metro to my Mum and she insures it on her own policy. It costs £90 because of age etc. I pay that every year. Then my Corsa is insured with all my no claims fully comp. on which I can drive any other car. Therefore both cars are legal and if I get pulled over, 'Im borrowing the car' and everything is legal. 
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Tommy L
Member
Registered: 21st Aug 06
Location: Northampton Drives: Audi wagon
User status: Offline
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2 cars is just stupid unless you keep the saxo completely off the road, sorn etc.. as you just double your costs. 2 lots of insurance, mot, tax, running costs, repairs.
Keeping miles off of a saxo? Brilliant.
Why does it have to be a Vectra 2.2 diesel? If it's a commute just get something smaller? Will get that insurance down.
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mark_gsi
Member
Registered: 1st Nov 03
Location: Peterlee/darlington
User status: Offline
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quote:
Originally posted by thegsi
The way I do it is i registered my Metro to my Mum and she insures it on her own policy. It costs £90 because of age etc. I pay that every year. Then my Corsa is insured with all my no claims fully comp. on which I can drive any other car. Therefore both cars are legal and if I get pulled over, 'Im borrowing the car' and everything is legal.
yea well thats exactly what i was going to do.
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mark_gsi
Member
Registered: 1st Nov 03
Location: Peterlee/darlington
User status: Offline
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quote:
Originally posted by AK
quote:
Originally posted by mark_gsi
the thing is tho i want to keep the saxo for a weekend car and some thing to play about with. and just have a diesel for work and any other long journeys i do. plus if i only have 1 car and it goes wrong i have no way of getting to work.
Christ How does anyone with 1 car survive! Dont be so pesimistic.
right so my car breaks down i have no way of getting to work, then what do i do? lose my job, i think not. 
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