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Just decided
- Thread starter JoelDee
- Start date
Havnt but i assume you'll be driving for another 40 years plus so plenty of time eh. would be such a shame and ironic.
TomS- its not invalid to be a names driver as long as you are just that. If you have lied about the main user of a car to obtain cheaper cover or cover you wouldnt normally be offered then you are lying to the insurer as they would have either charged more due to the additional risk or chosen not to cover you at all.
TomS- its not invalid to be a names driver as long as you are just that. If you have lied about the main user of a car to obtain cheaper cover or cover you wouldnt normally be offered then you are lying to the insurer as they would have either charged more due to the additional risk or chosen not to cover you at all.
Vee dub
Ah so If Joel is driving the car more than the policy holder, it makes the insurance invalid?
How would they prove you were driving the car more often if he did crash? He's still covered in case of an accident if he is on the policy?
I agree with insuring the car properly, but i'm sure there are loads of people that do insure themselves as a named driver.
How would they prove you were driving the car more often if he did crash? He's still covered in case of an accident if he is on the policy?
I agree with insuring the car properly, but i'm sure there are loads of people that do insure themselves as a named driver.
£1247 with Quinn Direct. for the rallye
TomS said:
That's the point TomS - they can't prove it, so you are covered. They're just being arsey because 'technically' it's wrong.
Also Clart, if being more mature means spending a lot more money on something that you could get for cheaper, then I'll stay young and dumb
.TomS said:
They normally ask employers neighbours etc, it's a piece of piss to prove someone drives the car all the time and his mother doesnt. Espcially if they find someone who dislikes him they will happily grass him up. I know of someone who got caught out and im sure there are plenty others the same.
Vee dub
Hmm I'm not so sure it would be easy to prove.
I'm with the genuine insurance argument here, but I can see the temptation of what Joel was considering. All I did when I was insuring my first car, was add my Dad to the policy as a named driver, and it seemed to help. He didn't drive it much though.
Try that maybe?
Tom
I'm with the genuine insurance argument here, but I can see the temptation of what Joel was considering. All I did when I was insuring my first car, was add my Dad to the policy as a named driver, and it seemed to help. He didn't drive it much though.
Try that maybe?
Tom
i have my girlfriend on the 3000GT and the 306 policies even though she doesnt drive either of them. reduced the 3000GT by £300, and the 306 by £110. thats the way to go!
both insured with admiral
both insured with admiral
cant believe people are giving you a hard time over the insurance, insurance itself is a f**king fraud. technically they are right, but i'd say only because you need your own no claims. i tried to get quotes under my parents name back in the day and it made that little difference that it was pointless. speak to Scott anyway, he was paying 2 odd grand a year for insurance, but i'd imagine you'd probably be spending that either way on an A3, but to pay for the car... if you want one go for it mate, your insurance should drop considerably when you hit 20 anyway, mine went down over £400...
Ask Connor re insurance.
TomS said:
they measure yer arse and then the wear on the seat, then through forensic science, conduct a full search of the area knocking on doors to get witnesses... because they care that much... more realistically their time is spent in a lay by drinking coffee waiting for someone to do 35 in a 30 so they can throw the book at them...
Veilsided MR2 Rev3 Turbo
Firstly all you have to do is have the car registered and owned by your mum, Just pay her any costs. Secondly let the insurance company try and prove you have been driving it more than your mum. I would love to see them try. My brother has crashed my mums car twice, he is a named driver, and doesnt own a car as hes away at uni, so no point. Just drives it sometimes when hes home, and both times we have claimed and both times we have had no problems what so ever, and thats been with two different companies. So ignore all the preaching thats going on and go for it.
mcoppen said:
That's the difference.
Veilsided MR2 Rev3 Turbo
Yeah but its not really in the eyes of the insurance company. Do they know he only drives it when hes home? nope. Will they know that this guy is driving it more than his mum? nope. Everyone of my friends and probably 90% of the people at my 6th form did this when we first started driving. With the stupid price of insurance how are young drives supposed to do it any other way? Was £1600 tpft on a 1.1 R5 worth £600 for me when i first started. How can i afford that at 17? Or was £350 under my mum. Thats a hard choice...
