that is so sly! lol but it might actually be fine if the normal car is your 1.2 clio with 4 years no claims nice and cheap and you buy a fast car insured and registered on dads name.. chances are you wont alwyas be driving this fast car due to huge fuel bills..Another idea someone came up with was this.
Buying a SHAT car for a couple hundred quid. Fully comping it and making sure that your policy allows you to drive any car, getting ur big car and insuring it in your mom and dads name. Technically, its kind of right. If your covered to drive any car and your cars insured, then thats actually correct isnt it? especially if your driving the little car aswell. but i spose if ur not driving that car at all u can get done for it. but im not sure let me know! because if thats the case and that insurance method is cool then im doing it!
Is anyone going to answer thisI don't get this side of the insurance.
I understand if your the one who is going to drive the car more than any of the other drivers you must be the "Main Driver".
Young driver's on here (me being one of them) have made the "mistake" of doing the above ^^
However lets says its legit, the main driver was your mum but you was driving the car (insured as a named driver) and got pulled over/smashed the car. How will insurance companies get out of paying you :S
I don't get how than can not pay out if the your insured lol
They have very cleaver ways of proving that your mum doesn't drive the car on a daily basis.Is anyone going to answer this
Hey guys intresting read that, however im 18 and just finished my first year of driving.Currently drive a 1.4 16v clio and my insurance last year was £1300 on my Mums policy in my own name was well over £2000!!.
However ive had many friends who have had a few bumps and are in the same position as myself and the insurance companies have paid out no problem? Dont understand how if "you" are named driver on a policy why an insurance company can say your policy is void?
as it stands im just about to buy a 172 for my nxt year of drivingand insure it as i did last year? My neighbour is a traffic cop and he doesnt see the problem with being on your parents policy, as long as they also use the car.
LOLInsurance companies exist for the simple reason that they're here to earn money. They are about NOT paying out where possible, as opposed to helping people get back on their feet financially following an accident as is mentioned. I read above about how someone said that youngsters shouldn't drive unless they can afford to insure their car...
My answer to that is that if insurance wasn't so awfully expensive in the first place, maybe more people would get insured legally! Besides, owning your own car is a responsibility. If you cause an accident, then in my opinion it should be YOUR responsibility to cover the cost of damages when that situation arises.
In my opinion complaning about high insurance prices for new/young drivers is a fail. 12 years ago when I was 17/18 I paid £1300 to insure a car which was worth £150 on a TPFT basis.Complaining about insurance prices whilst driving a 2.0 hot hatch is a fail for a start. Nobody is forcing anyone to drive. It's not a human right. If you're not happy, stop driving or get a cheaper/less performance orientated car. I've never paid more than £600 a year for insurance (I'm only 23, started driving at 18), due to being smart about what I bought and shopping around.