PainZ
Member
Registered: 28th Jun 02
Location: Camberley, Surrey - Drives a Black Vectra VXR Esta
User status: Offline
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Been thinking of getting a bit of a banger, just somthing which will cost me £200-300 quid and be good for a years driving,
Want a tiny engine just so it gets me from A-B
I would only want 3rd Party insurance.
I would only drive the second car when im not driving the corsa,
How does insurance work on a second car? Do i have to take a whole new premium out?
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Joff
Member
Registered: 17th Oct 00
Location: Cambridgeshire
User status: Offline
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Doesn't the Corsa get you from A-B? 
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Nismo
Member
Registered: 12th Sep 02
User status: Offline
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whats wrong with the corsa getting you from A- B?
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PainZ
Member
Registered: 28th Jun 02
Location: Camberley, Surrey - Drives a Black Vectra VXR Esta
User status: Offline
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does but i dont really wanna use it as much,
driving to work everyday i would rather be in a shite car with softer suspension ;p
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Joff
Member
Registered: 17th Oct 00
Location: Cambridgeshire
User status: Offline
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What's the point getting the Corsa then if you didn't want to use it? 
What suspension have you got? You've not fitted something like an Apex kit have you... 
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PainZ
Member
Registered: 28th Jun 02
Location: Camberley, Surrey - Drives a Black Vectra VXR Esta
User status: Offline
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FK coilovers,
its just the roads i use to go to work are wank LOL
about 1mile of speed bumps + other crap
Just somone answer the question about the insurance ;p
As im fully comp my insurance covers people over 25 third party on all cars,
Im only 19, i wonder if i paid a little extra i might be able too :/
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Joff
Member
Registered: 17th Oct 00
Location: Cambridgeshire
User status: Offline
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Yes, you can just add another car - make sure it's not a sporty model or they'll say you're gay or a high-risk, or both.
Still think you should be driving the Corsa and stop being a pussy 
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PainZ
Member
Registered: 28th Jun 02
Location: Camberley, Surrey - Drives a Black Vectra VXR Esta
User status: Offline
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maybe if i had a nice new toy under the bonnet i would!
HMMMMMMMMMMMMMM
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Joff
Member
Registered: 17th Oct 00
Location: Cambridgeshire
User status: Offline
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Nothing under the bonnet would fix the speed bumps on the road 
pussy
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myke
Member
Registered: 7th Feb 01
Location: High Wycombe, Buckinghamshire
User status: Offline
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with a lot of insurance policies, you can drive any car third party so long as that car has it's own policy taken out on it.
eg. you could drive your mums car tpo if she'd insured it herself. you wouldn't need to be a named driver.
you can't drive a car on a drive anything policy if there is no other insurance on the car. ie. if you bought a shitter as a second car, you wouldn't be able to just drive on your existing policy, wether you were 25 or not.
some companies offer discounts for a second car, but you still pretty much have to take out a second policy on it, just at a discounted rate.
think this is correct.
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kerzo
Member
Registered: 10th Nov 02
Location: Norn Iron
User status: Offline
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as far as i know that is true
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Stu_22
Member
Registered: 25th Mar 02
Location: Luton
User status: Offline
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I was told you have to be over 25 to drive other cars on TPFT on your present car insurance
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Andrew
Member
Registered: 5th May 04
Location: Skoda Octavia Estate, Ford Puma
User status: Offline
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Ask Kerry and Luke 
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Ian
Site Administrator
Registered: 28th Aug 99
Location: Liverpool
User status: Offline
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quote:
Originally posted by Stu_22
I was told you have to be over 25 to drive other cars on TPFT on your present car insurance
Yes, this is the case with most policies, but the other car must be insured in someones name, otherwise its an uninsured vehicle on the public highway if you park it anywhere other than your driveway.
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Kerry
Member
Registered: 5th Oct 01
Location: Norwich
User status: Offline
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ok i have pulsar insured with tesco. i rang to enquire about adding the nova and was told that i can add a temporary car for up to 90 days in any 12 month policy and it would cost £30 a month. as the nova was also classed as a high risk car they had to get authourisation to do it as normally they wouldnt but as i have been with them a few years now and have max protected no claims i argued the toss!!
she also told me that i could have a second policy and they would mirror my no claims onto that but only if its again not a high risk car. as the nova is high risk then i would have to start again with zero no claims on that policy but tesco wont insure high risk if you have less than 2 years no claims!!
as for driving another car whilst i was on the phone i asked how i stand with this. she said i can drive another car third party only but only in the event of an emergency i.e the person you are with falls ill and you need to drive them or your car breaks down and you need to get to work. so all those who think they are insured to drive any car i suggest you bear that in mind and check with your insurer!
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NovaGTE
Member
Registered: 16th Dec 02
User status: Offline
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I was looking at the same with a Nissan Micra 1.0 the other week to keep my fuel bill down, but the cheapest i could get it insured for is £470 TPFT as a lot of companies don't just offer Third Party
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Kerry
Member
Registered: 5th Oct 01
Location: Norwich
User status: Offline
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i managed to get a quote for £280 for nova in the end FC but now i may be moving office to so much nearer to home the nova will probably be sold
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Red_SXi
Member
Registered: 23rd Sep 02
Location: Dunstable Drives: 52 Plate BMW 3 M Sport Coupe
User status: Offline
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I don't really see the point, i'd grin and bear it and use your Corsa
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Kerry
Member
Registered: 5th Oct 01
Location: Norwich
User status: Offline
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its only worth it if the money you save out weighs the cost of running a second car
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hitman2k
Member
Registered: 27th Aug 03
Location: West Midlands
User status: Offline
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what cars would be classed as low risk???
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Kerry
Member
Registered: 5th Oct 01
Location: Norwich
User status: Offline
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low insurance groups i guess
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ste_nova
Member
Registered: 8th Jan 01
Location: St. Asaph, N. Wales
User status: Offline
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quote:
Originally posted by Kerry
she said i can drive another car third party only but only in the event of an emergency i.e the person you are with falls ill and you need to drive them or your car breaks down and you need to get to work. so all those who think they are insured to drive any car i suggest you bear that in mind and check with your insurer!
emergency bollocks.... your insured whatever.... we've got a cav td that we all use.... taxed mot but no ins... we all drive it on our drive any car bit... a couple of us have been pulled.... never any hassle with the producer
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Kerry
Member
Registered: 5th Oct 01
Location: Norwich
User status: Offline
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are you telling me i am talking bollocks or questioning the small print in my insurance policy
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ste_nova
Member
Registered: 8th Jan 01
Location: St. Asaph, N. Wales
User status: Offline
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both..... how do you justify an emergency?..... it's raining you don't want to get your car dirty? is that an emergency.... ins co's would use this as a get out every time when there was a chance
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Paul
Member
Registered: 16th Apr 02
Location: Oop north.
User status: Offline
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Got to agree what do you define as an emergency !!!
I've got to get some where as im on a promise ?
My favourite soap is starting?
I need a shit ?
[Edited on 21-11-2004 by Paul]
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