Brett
Premium Member
Registered: 16th Dec 02
Location: Manchester
User status: Offline
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I have a few questions about insurance as i'm not sure on these myself..
Children under 16: Yes/No
Will saying yes push the premium up or lower it (maybe because you'd be a safer driver  )?
Are you the registered keeper: Yes/No
If the car was registered to someone else would this put the premium down because maybe you'd be seen as not driving it as often?
Add any other driver
Does the old 'adding a parent' still work these days?
Was just wondering about the above, any help appreciated 
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Dom H
Member
Registered: 14th Jun 06
User status: Offline
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quote:
Originally posted by loafofbrett
Add any other driver
Does the old 'adding a parent' still work these days?
Got quoted £645 with my mum on the insurance, £3.5k something without! 
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James
Member
Registered: 1st Jun 02
Location: Surrey
User status: Offline
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Adding a parent works for me, quite well too.
I doubt the registered keeper would make any difference, i'd imagine children would take it down.
You could just get quotes with different answers to those questions and see?
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Brett
Premium Member
Registered: 16th Dec 02
Location: Manchester
User status: Offline
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quote:
Originally posted by James
You could just get quotes with different answers to those questions and see?
Could, but it takes fuckin ages because each time you have to start the quote again, figured someone might know the answers and save me the ball ache
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Robin
Premium Member
Registered: 7th Jan 04
Location: Northants Drives: Clio 182 Cup
User status: Offline
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I got quoted a difference of 40 pound with my mum on a policy, so no, it doesnt really help.
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Brett
Premium Member
Registered: 16th Dec 02
Location: Manchester
User status: Offline
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quote:
Originally posted by bstoke.dom
Got quoted £645 with my mum on the insurance, £3.5k something without!
You just added your mum as a named driver and it reduced the quote by that much?  OR do you mean you are named on her policy?
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Robin
Premium Member
Registered: 7th Jan 04
Location: Northants Drives: Clio 182 Cup
User status: Offline
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use confused.com, then when you have the first quote, (which it will save) click on it, click next, select "amend the quote" and change details on it.
you can do that 5 times, so you can compare 
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Eck
Premium Member
Registered: 17th Apr 06
Location: Lundin Links, Fife
User status: Offline
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Adding a parent knocks quite a lot of my quotes, all depends on car, insurer, driver etc
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James
Member
Registered: 1st Jun 02
Location: Surrey
User status: Offline
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I was insured on my GSi at 19 for £800 FCw ith my mum as a named driver, pretty sure they wouldnt even quote me without
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dna23
Member
Registered: 1st Nov 04
Location: Northamptonshire
User status: Offline
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quote:
Originally posted by loafofbrett
Add any other driver
Does the old 'adding a parent' still work these days?
Yes this works with most companies
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Brett
Premium Member
Registered: 16th Dec 02
Location: Manchester
User status: Offline
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quote:
Originally posted by dna23
Yes this works with most companies
I thought it was just a myth
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Dom H
Member
Registered: 14th Jun 06
User status: Offline
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quote:
Originally posted by loafofbrett
quote:
Originally posted by bstoke.dom
Got quoted £645 with my mum on the insurance, £3.5k something without!
You just added your mum as a named driver and it reduced the quote by that much? OR do you mean you are named on her policy?
Nah, I mean I changed it to her policy and added myself as a named driver. Even though I won't build up my own no claims, it's worth it for me at 17 for the first couple of years. :]
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James
Member
Registered: 1st Jun 02
Location: Surrey
User status: Offline
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Are you from Basingstoke?
I work there 
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dna23
Member
Registered: 1st Nov 04
Location: Northamptonshire
User status: Offline
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quote:
Originally posted by loafofbrett
quote:
Originally posted by dna23
Yes this works with most companies
I thought it was just a myth
It's because of the way the computer calculates it iirc.
An older driver on there is likely to drive the car so therefore if they are older and more experienced the risk is spread over the two and lower.
The children i think raises it due to distractions in the car and more people in the car so more claims .etc 
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Eck
Premium Member
Registered: 17th Apr 06
Location: Lundin Links, Fife
User status: Offline
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For me it was going to be £1255 for a 1.4 sport TPFT, but I added my mum onto my policy and it was £10 cheaper... for a GSi 
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Brett
Premium Member
Registered: 16th Dec 02
Location: Manchester
User status: Offline
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quote:
Originally posted by bstoke.dom
Nah, I mean I changed it to her policy and added myself as a named driver. Even though I won't build up my own no claims, it's worth it for me at 17 for the first couple of years. :]
fair enough. Not so useful for me mind.
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Brett
Premium Member
Registered: 16th Dec 02
Location: Manchester
User status: Offline
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quote:
Originally posted by dna23
The children i think raises it due to distractions in the car and more people in the car so more claims .etc
Lucky i don't have a kid then 
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James
Member
Registered: 1st Jun 02
Location: Surrey
User status: Offline
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K2 GTi
Member
Registered: 21st Oct 04
User status: Offline
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It knocked £200 off my insurance adding my mum 
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James
Member
Registered: 1st Jun 02
Location: Surrey
User status: Offline
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Pics of your mum?
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Brett
Premium Member
Registered: 16th Dec 02
Location: Manchester
User status: Offline
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SO, to summarise...
Children under 16: Yes/No
Will make the premium go up 
Are you the registered keeper: Yes/No
Won't make a difference
Add any other driver
Actually works if you add your mum
Cheers fellas
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3CorsaMeal
Member
Registered: 11th Apr 02
User status: Offline
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i tried adding my mum to the corrado and it went up by £120
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