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I thought you sold the golf because the focus is actually more exciting?
Jokes aside, yea insurance is a cnut.
The fact my mother pays £300 for a Mini Cooper S makes me sick.
lol, yeah well your too observant!
but f**k paying £1300 on a car you i didnt enjoy
anyway stop complaining you have a 55 plate car and your only 17, cant be that poor
Someone explain this to me...
Right,
Currently my policy works like this. My mum is the car owner, and the policy holder - im just a named driver on the policy. This worked out to be about £1200 for last year FC. Her no claims were protected, and mirrored from her Mini so she had 9 years no claims on my car.
Anyway, i had a little knock - no NCB was lost due them being protected.
However, this year they want £3500? Seems abit steep... Considering the car still has 9+ years NCB on it.
Right,
Currently my policy works like this. My mum is the car owner, and the policy holder - im just a named driver on the policy. This worked out to be about £1200 for last year FC. Her no claims were protected, and mirrored from her Mini so she had 9 years no claims on my car.
Anyway, i had a little knock - no NCB was lost due them being protected.
However, this year they want £3500? Seems abit steep... Considering the car still has 9+ years NCB on it.
No, it would of only been fraud if the car was in my name and my mum was the policy holder.
306 GTI-6
No, its called insurance fronting.. If you are only a named driver, but use it more than the policy holder, its illegal. There have been numerous threads on it, and there is a sticky somewhere explaining it all.
Plus
The NCB may be protected, but they still know you had a knock, hence the higher premium.
Plus
The NCB may be protected, but they still know you had a knock, hence the higher premium.
306 GTI-6
True, insurance is so strange though. My insurance has gone up this year, depsite having another years no claims. Cant get it cheaper than last year anywhere. Money grabbing cun,ts.
TT 225
+1 my renewal went up 500quid this year to 1500. im 19 and been driving 2 years on a 1.2
Wrong!
^^ This man speakth the truith.
http://www.insurancedaily.co.uk/2007/11/01/illegal-fronting-in-car-insurance-a-growing-problem/
Don't want to start my own thread but my renewal is up in a few weeks.
For a 25 y.o, 5 yrs NCB, 1 crash in last 5 yrs (not my fault about 3.5 yrs ago), C rated post code, 10k miles (inc business) and modifications listed I am getting £595! Getting raped. Any suggestions, that was via confused which is with Bell and cheapest option yet, cheaper than DL which have always been good for me.
For a 25 y.o, 5 yrs NCB, 1 crash in last 5 yrs (not my fault about 3.5 yrs ago), C rated post code, 10k miles (inc business) and modifications listed I am getting £595! Getting raped. Any suggestions, that was via confused which is with Bell and cheapest option yet, cheaper than DL which have always been good for me.
Just received my new renewal quote. Went to More Than last year and it works out as £238 for the year. Will look to see if I can find it any cheaper elsewhere.
Monaco 172 sport
Also if they have yet to recover the costs for the repairs then your premium wil reflect that
I drove it more than the policy holder, they didnt care. Still paid up when i put it into a wall.
Can get it cheaper this year with my mum as the named driver again, £1100 - however, going on my own... £1600 (18, 0 ncb, FC, A rated post code, Accident at fault).
Oh well, have to pay it.
Can get it cheaper this year with my mum as the named driver again, £1100 - however, going on my own... £1600 (18, 0 ncb, FC, A rated post code, Accident at fault).
Oh well, have to pay it.
I think alot of you on here forget what it's like trying to get a decent car insured at 17 when you start lecturing about insurance fronting! Too many on here think they're the law.
I'd guess 90% of people at 17 who insure a car do so by being a named driver behind their mom/dad, its a means to an end to get most people started.
Friend of mine was a named driver behind his Mom, had a fault accident and the insurance company quite rightly paid out.
! Too many on here think they're the law.I'd guess 90% of people at 17 who insure a car do so by being a named driver behind their mom/dad, its a means to an end to get most people started.
Friend of mine was a named driver behind his Mom, had a fault accident and the insurance company quite rightly paid out.
I think alot of you on here forget what it's like trying to get a decent car insured at 17 when you start lecturing about insurance fronting
I'd guess 90% of people at 17 who insure a car do so by being a named driver behind their mom/dad, its a means to an end to get most people started.
Friend of mine was a named driver behind his Mom, had a fault accident and the insurance company quite rightly paid out.
That's all well and good, provided they aren't driving it more than the policy holder.
It's not about people on here thinking they're the law, it's more members showing concern for innocent people who get caught up in it all. Like when a 17yr old stuffs his "mum's" car into another car and the insurance won't pay out because they know it's a fronted policy. The innocent driver and passengers of the other car suffer because matey boy can't grow a pair and insure his own car properly.
If you can't afford to drive, don't.
I think alot of you on here forget what it's like trying to get a decent car insured at 17 when you start lecturing about insurance fronting
I'd guess 90% of people at 17 who insure a car do so by being a named driver behind their mom/dad, its a means to an end to get most people started.
Friend of mine was a named driver behind his Mom, had a fault accident and the insurance company quite rightly paid out.
Manning up FTW
Had my own insurance since I was 17, albeit TPFT but at least it's my own.
I can afford to drive, its more of a case of 'why should i pay £3500 when i can be paying £1600'.
There are many reasons why, but i would rather save the rest and go on holiday or somthing.
306 GTI-6
Because if you are only paying £1600 by insurance fronting (i.e breaking the law) then you shouldn't be doing it.
If you are having to do it because you cant afford the insurance legally, then you can't afford to drive, at least not with that car.
By the way, I am not saying you are fronting, because I dont know who uses the car most. However, if policy is in your mums name, you are only a named driver, and you use the car most, thats fronting.
I, like many people, or most on here, pay my insurance legally and myself. Insurance costs are one of the things you base buying a car on. If it's too expensive for you legally, you have the wrong car.
Its not just a case of what if your car gets damaged, stolen etc. If the insurance company investigated properly, you may find you and your mum/other peson would be in trouble. Techincally the car doesnt have legal insurance if the policy is being fronted, and it's not fair on other road users if you cause damage or injury to their property or them.
Either stump up the cash, or get a cheaper to insure car. Its part and parcel, most people drive a s**tter for their first year, or get a new car with free insurance (like citroen did with their saxos a few years ago).
If you are having to do it because you cant afford the insurance legally, then you can't afford to drive, at least not with that car.
By the way, I am not saying you are fronting, because I dont know who uses the car most. However, if policy is in your mums name, you are only a named driver, and you use the car most, thats fronting.
I, like many people, or most on here, pay my insurance legally and myself. Insurance costs are one of the things you base buying a car on. If it's too expensive for you legally, you have the wrong car.
Its not just a case of what if your car gets damaged, stolen etc. If the insurance company investigated properly, you may find you and your mum/other peson would be in trouble. Techincally the car doesnt have legal insurance if the policy is being fronted, and it's not fair on other road users if you cause damage or injury to their property or them.
Either stump up the cash, or get a cheaper to insure car. Its part and parcel, most people drive a s**tter for their first year, or get a new car with free insurance (like citroen did with their saxos a few years ago).
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BMW 320d M-Sport
Mine's due n'all on the 197, the term 'rape' comes to mind! 21 and hopefully 1 year NCB when it's due in June. Quotes are not pleasant any where, plus Admiral who I'm with now won't let me get a quote online, have to phone them. It's not easy getting insurance when you're 17 on decent cars, but that's for a good reason and fairly self explanatory I feel.
lol at people justifying insurance fronting as if it's comparable to shopping around for a good deal. It's fraud end of. I'm 30 now and combined with years of experience, a clean licence and NCB my insurance as a result is pretty painless.
In response to Alex's comment about forgetting what it's like to be young and trying to get cover at 17 what a load of BS. I've been there I remember the feeling that I had been raped when I insured my first car which was a GT Turbo. I suffered having to cut back on my lifestyle miss nights out etc because I wanted the car. People feel they have a right to have what they want and to have it dirt cheap these days IMO. If you can't justify the £2/3K insurance quotes that are based on your risk as a new driver then stick to a 1.2. That or suck it up and get your wallet out like grown up's rather than acting like spoiled little brats.
In response to Alex's comment about forgetting what it's like to be young and trying to get cover at 17 what a load of BS. I've been there I remember the feeling that I had been raped when I insured my first car which was a GT Turbo. I suffered having to cut back on my lifestyle miss nights out etc because I wanted the car. People feel they have a right to have what they want and to have it dirt cheap these days IMO. If you can't justify the £2/3K insurance quotes that are based on your risk as a new driver then stick to a 1.2. That or suck it up and get your wallet out like grown up's rather than acting like spoiled little brats.
306 GTI-6
+1
Exactly, getting a cheap deal by doing something wrong isn't being canny with your cash.
So to sum up. Do it legally and accept that as a young driver it will be more expensive, especially on a half decent car.
Or
Sell that car, buy a s**t box, run that for a year with cheaper (but still non-fronted) insurance, then when you have some experience, and can afford to insure a better car, get one.
306 GTI-6
Actually, it only seems you were fronting. It now sounds as though the new policy will be legit.
You'll likely learn the hard way, then.
