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Aerox-lad

Member

Registered: 2nd Nov 07
Location: Melksham, Wiltshire
User status: Offline

19th Mar 10 at 14:57

ok so a bit of background details about me.
im 18
got 3 points from a ped on march 2008. code lc20. basically my bike went over 30mph blah blah.
have 2 years no claims bonus from my ped (i understand that some insurance companies take ncb dicount)
had my full uk licence since june 09.
my car is a vauxhall corsa 1.4 sport. Nreg.

basically having trouble getting a good quote theyre all over 2k im looking at spending about 1500 maxx. is there anything i can do to try lower the price?
also my mum said i might be able to add her to MY policy. not too sure how this works but she has a shit load of no claims. been driving for years etc.
anyone know what i can try. being 18 on a ped isnt fun

Jenko_Sport

Member

Registered: 25th May 06
Location: Stoke-on-Trent
User status: Offline

19th Mar 10 at 15:00

If insurance is a problem ditch the sport and get something cheaper to insure.

nathy_87

Member

Registered: 14th Aug 08
Location: West Mids. Drives: Škoda Fabia VRS 5J
User status: Offline

19th Mar 10 at 15:00

tbh adding otehr peopel doesn't always work. Try phoning them and haggling.

16vKarlos

Member

Registered: 27th Oct 07
User status: Offline

19th Mar 10 at 15:02

its illegal to add your mum to the policy and her not drive the car at all.

I was a 2nd driver on my old mans policy on my old corsa. but he never drove the car.

I got pulled once and i was fine. but the car has to be registered in your mums name for her to be the 1st driver and you the second driver.

otherwise they ask questions.

eg:

you buy the car, your name is on the V5 and you a a named driver (2nd driver). you get pulled.. they automatically think its your car so it should have been your policy NOT your mums.

get the gist?

Aerox-lad

Member

Registered: 2nd Nov 07
Location: Melksham, Wiltshire
User status: Offline

19th Mar 10 at 15:02

was thinking of selling it tbh. but i love it too bits. its a bit tatty round the edges. annoying when i done a lot to it. like whole sound system and that. i was paying 280 a month with quinn. anyone know who i could try for insurance. ill try not to get my mum insured. have tryed confused go compare compare the meeerkat and all no good really.

sc0ott

Member

Registered: 16th Feb 09
User status: Offline

19th Mar 10 at 15:04

gocompare.co.uk?

Toby

Premium Member

Registered: 29th Nov 05
User status: Offline

19th Mar 10 at 15:08

quote:
Originally posted by 16vKarlos
its illegal to add your mum to the policy and her not drive the car at all.

No its not, if she is the policy holder then it is illeagal as its fronting but not as a 2nd driver.

I would add as many middle aged people you can, adding both my parents as named drivers to my ST brought it down £600

Ben G

Member

Registered: 12th Jan 07
Location: Essex
User status: Offline

19th Mar 10 at 15:35

quote:
Originally posted by 16vKarlos
its illegal to add your mum to the policy and her not drive the car at all.

I was a 2nd driver on my old mans policy on my old corsa. but he never drove the car.

I got pulled once and i was fine. but the car has to be registered in your mums name for her to be the 1st driver and you the second driver.

otherwise they ask questions.

eg:

you buy the car, your name is on the V5 and you a a named driver (2nd driver). you get pulled.. they automatically think its your car so it should have been your policy NOT your mums.

get the gist?

You haven't read the first post properly...

Archie

Organiser: Scotland
Premium Member

Registered: 18th Dec 07
Location: South Ayrshire
User status: Offline

19th Mar 10 at 15:37

Put your parents down as named drivers

Aerox-lad

Member

Registered: 2nd Nov 07
Location: Melksham, Wiltshire
User status: Offline

19th Mar 10 at 15:40

cant be fucked atm its really depressing. cheers for your help. might just end up selling it or swap for a 1.2 corsa or 1.0 if anyone wants, no tax or mot though

Aerox-lad

Member

Registered: 2nd Nov 07
Location: Melksham, Wiltshire
User status: Offline

19th Mar 10 at 15:58

managed to find churchill take ped no claims. but becuase i passed my test on 1st june then i havent had my licence a year. and they said that the car is too powerfull and they would like to know ive been driving for a year before they insure me lol.

predicted its going to be just over a 1000 i reckon about 90 a month. do you reckon i should keep the sport and wait till 1st june to drive it? i need mot and tax.

Jenko_Sport

Member

Registered: 25th May 06
Location: Stoke-on-Trent
User status: Offline

19th Mar 10 at 16:04

Give brentacre a call useful lot

sc0ott

Member

Registered: 16th Feb 09
User status: Offline

19th Mar 10 at 16:08

quote:
Originally posted by Aerox-lad
cant be fucked atm its really depressing. cheers for your help. might just end up selling it or swap for a 1.2 corsa or 1.0 if anyone wants, no tax or mot though

details of your car?

Aerox-lad

Member

Registered: 2nd Nov 07
Location: Melksham, Wiltshire
User status: Offline

19th Mar 10 at 16:11

um 1995 black corsa sport 1.4
95k miles
no tax or mot
fair few mods. smoked depos
black gsi alloys
lockwood dials
alpine door speakers and 6x9s vibe sub and amp etc.
sebring 6x4 inch backbox janspeed de cat. middle pipe cut out,

Aerox-lad

Member

Registered: 2nd Nov 07
Location: Melksham, Wiltshire
User status: Offline

19th Mar 10 at 16:18

also has a pipercross airfilter

sc0ott

Member

Registered: 16th Feb 09
User status: Offline

19th Mar 10 at 16:26

you know when the timing belt etc were changed? and stuff like the clutch etc

Toby

Premium Member

Registered: 29th Nov 05
User status: Offline

19th Mar 10 at 16:43

quote:
Originally posted by Jenko_Sport
Give brentacre a call useful lot

Do you not have to be 19?

djgritt

Premium Member

Registered: 1st Nov 07
Location: Dorset Drives: Focus ST / Hyundai i20N
User status: Offline

19th Mar 10 at 16:57

quote:
Originally posted by 16vKarlos
its illegal to add your mum to the policy and her not drive the car at all.

What a load of balls.

Named drivers don't HAVE to drive the car, it means they are covered IF they drive the car.

My Missus is insured to use my Corsa, she never does, she physically can't with the Bucket Seats in there. But, she is insured because if there is ever a need for her to use it, swapping the seats back to standard is easy and she can then use it.

And, i haven't got her on it to reduce my premiums, she actually adds cost to it, she is on there as it's another car she can use if she has to.

Aerox-lad

Member

Registered: 2nd Nov 07
Location: Melksham, Wiltshire
User status: Offline

19th Mar 10 at 17:29

wait till june 1st i know someone whp can do me an mot lol

sand-eel

Member

Registered: 15th Mar 07
Location: carluke/braidwood--IRNBRULAND
User status: Offline

19th Mar 10 at 17:33

Its just the way of life TBH, you are 18 with a 1.4 "sport" insurance doesn't like that.

Root

Member

Registered: 28th Dec 08
User status: Offline

19th Mar 10 at 17:58

if you're listed as unemployed, try putting yourself as a self employed something, that knocks down the price.

also, add an old person to your quote with lots of NCB, that sometimes gets the price down as well.

Ash_EP3

Member

Registered: 15th May 07
Location: Melksham, Wiltshire
User status: Offline

2nd Apr 10 at 22:28

Just wait until June bro,

Chuck mum / dad on as named drivers it will reduce your premium....

Get the MOT / Tax sorted - check insurance price and if worse comes to worse sell up and get something slower (keep some of the bits of your corsa though...

If you sell it you'll miss the power!!

Eck

Premium Member

Registered: 17th Apr 06
Location: Lundin Links, Fife
User status: Offline

2nd Apr 10 at 22:42

quote:
Originally posted by 16vKarlos
its illegal to add your mum to the policy and her not drive the car at all.

I was a 2nd driver on my old mans policy on my old corsa. but he never drove the car.

I got pulled once and i was fine. but the car has to be registered in your mums name for her to be the 1st driver and you the second driver.

otherwise they ask questions.

eg:

you buy the car, your name is on the V5 and you a a named driver (2nd driver). you get pulled.. they automatically think its your car so it should have been your policy NOT your mums.

get the gist?

Aye that is illegal and called fronting iirc. But if he is the policy holder and his mum a second driver, it can still reduce the price quite significantly and not illegal.

Eddx14xe

Member

Registered: 12th Jan 10
Location: Hertfordshire
User status: Offline

2nd Apr 10 at 22:43

My insurance went down by £300 when i put my girlfriend as a named driver

antnee

Member

Registered: 30th Dec 07
Location: Cov Drives: Clio 197
User status: Offline

3rd Apr 10 at 00:47

My dad's a named driver on my policy, even though his policy covers him to drive other cars. It actually came in handy when his turbo blew as he used my car to get to work

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