HitomiLee said:

Bravo worked out quite cheap for us. 21 year old male and 19 yr old provisional license for me. We put my partners mums boyfriend on it as hes a professional driver.

Is there anyone you can put as a main driver instead of u,?

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absolutely not if you are the main driver of the car you are the main driver on the policy, if you get caught you wont be insured and get triple whammed

driving without insurance massive fines and points and god knows what else

have to pick up all the costs yourself could be well over a million

then your insurance company will probably take you to court

and provisional licence insurance works out cheaper btw

Just had a quote from Adrian Flux on a 1.2 punto active 8V - £4027 TPFT(which is more than I was quoted for a punto 1.2 sporting 16V) and thats apparently with their discount for pass plus and the discount for being a member of an online forum!

When I ask the people who work at the insurance companies if it is possible to get a quote for under £3000 in your own name, they say they dont know and just reccomend I go for a car in a low insurance group, which I have tried and does nothing to the price.

Ziggy122 said:

Value of the car point is pointless - they'd only give you the cars value should you get a claim as the car is written off

I'm affraid insurance is a bitch
Its only going up and up and up
I've paid more this year then i did last year! How fair is that?

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Mine is £100 more this year than last and that's with an additional year of claim-free driving.
Insurance companies have us by the short and curlies, we have no choice but to pay their inflated prices.
And the insurance companies have the cheek to blame us, they say they have to up the cost to cover their losses for uninsured drivers.

Surely, then, the answer is simple, reduce insurance costs to affordable levels?

Ouch i see what you lot mean, just did a quote for my car, all my deets but 17 yrs old with 0 experience and 0 no claims and it came out as £3,743.31!!

£655.53 with my current age (20) and 2 years experience and 2 years no claims.

I think you'll only be able to get it down so far then best to ring arround and try to get them to reduce it.

edit: just added a £500 excess (normaly £150) took it down to £3440.15

Have you tried a group one mk3 Panda Active? Something like an 04 reg.

One way to get your insurance down is to have a higher excess
BUT
Bewarned, in the event of a claim you'll need to pay the excess
So make sure you have that money saved just incase of a rainy day

Ziggy

Ziggy122 said:

One way to get your insurance down is to have a higher excess
BUT
Bewarned, in the event of a claim you'll need to pay the excess
So make sure you have that money saved just incase of a rainy day

Ziggy

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i was playing around with quotes the other day and a higher voluntary excess pushed my premium up

so all ways double check it really does

jip0 said:

i was playing around with quotes the other day and a higher voluntary excess pushed my premium up

so all ways double check it really does

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Had exatly the same with sisters quite. Cheaper to have only the young driver excess than to load it a little.

Plus, if you're being quoted 4k and you pay an excess, you're a fool. Why are you going fully comp at all?!!! Seriously what is the difference between fully comp with £1250 excess (paid by YOU in the result of any claim), or third party (f+t), where you pay £150 in the event of you damaging someone else and them claiming.

My point is going from fully comp to third party will drop your premium a big amount! and then no more faffing about with excesses either, just the small compulsary one. Drive safe, and don't wreck your car. Or, if you do, make sure it's someone elses fault

xFaz said:

Plus, if you're being quoted 4k and you pay an excess, you're a fool. Why are you going fully comp at all?!!! Seriously what is the difference between fully comp with £1250 excess (paid by YOU in the result of any claim), or third party (f+t), where you pay £150 in the event of you damaging someone else and them claiming.

My point is going from fully comp to third party will drop your premium a big amount! and then no more faffing about with excesses either, just the small compulsary one. Drive safe, and don't wreck your car. Or, if you do, make sure it's someone elses fault

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not always true, my mrs is cheaper on fully comp then t+f

xFaz said:

Plus, if you're being quoted 4k and you pay an excess, you're a fool. Why are you going fully comp at all?!!! Seriously what is the difference between fully comp with £1250 excess (paid by YOU in the result of any claim), or third party (f+t), where you pay £150 in the event of you damaging someone else and them claiming.

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You don't understand how excesses work. A) if your not at fault you'll be able to claim directly off of the 3rd parties insurance and won't have an excess to pay, B) if 3rd party and crash you won't be able to get your car repaired and so won't need to pay an excess.

jip0 said:

not always true, my mrs is cheaper on fully comp then t+f

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me too. Tried both and fully comp was a couple if hundred £s cheaper than tpf&t

sorry to say it wont get much better mate.i am 22 years old and its costing me £1645 to insure a cinq 889cc.

i dont think insurance will go down mate, for every one its going up, even for my grandad who has never had a crash in his life and is allowed to drive just about anything on the road.

this is the modern way mate. money makes the world go around and because you need to drive they have only just realised that they can charge as much as they want and you will still pay out for it.. because in this modern age you need to drive.

untill a mass upraw happends nothing will be done about it.

wish it would change and everything would go cheep, heh cos ive used up every penny on driving. untill i get employment im going to be stuck for a while lol

FC is always cheaper than F+T for me, at least 400 cheaper.

jip0 said:

not always true, my mrs is cheaper on fully comp then t+f

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Was talking about in this instance. Can 99% guarantee that it will be cheaper 3rd party.

Most Easterly Pandas said:

You don't understand how excesses work. A) if your not at fault you'll be able to claim directly off of the 3rd parties insurance and won't have an excess to pay, B) if 3rd party and crash you won't be able to get your car repaired and so won't need to pay an excess.

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I fully understand how excesses work, I just worded it badly.

jip0 said:

absolutely not if you are the main driver of the car you are the main driver on the policy, if you get caught you wont be insured and get triple whammed

driving without insurance massive fines and points and god knows what else

have to pick up all the costs yourself could be well over a million

then your insurance company will probably take you to court

and provisional licence insurance works out cheaper btw

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I wasnt suggesting he doesnt insure himself, but putting someone else as main driver and putting him down as named. Its quite a common thing for people to do.

That way if he crashes he has every right to be driving the car and theres not very much that they can do about it really.

I know its sorta lying but most people do it on their insurance to some extent.

HitomiLee said:

I wasnt suggesting he doesnt insure himself, but putting someone else as main driver and putting him down as named. Its quite a common thing for people to do.

That way if he crashes he has every right to be driving the car and theres not very much that they can do about it really.

I know its sorta lying but most people do it on their insurance to some extent.

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Not much they can do you say :chin:

How about landing the policy holder / driver with a bill in excess of £1m if they kill someone??!

Dragon Man said:

sorry to say it wont get much better mate.i am 22 years old and its costing me £1645 to insure a cinq 889cc.

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Ouch! I'm 21 and pay £660 for a 1.8 TDDi Focus! I thought that was bad lol.

HitomiLee said:

I wasnt suggesting he doesnt insure himself, but putting someone else as main driver and putting him down as named. Its quite a common thing for people to do.

That way if he crashes he has every right to be driving the car and theres not very much that they can do about it really.

I know its sorta lying but most people do it on their insurance to some extent.

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And that is fraud. If you crash and need to make a claim, your insurance company will find ANY reason possible not to pay, if they find out you've been fronting, its both you and your parent/s in trouble. Plus the possibility of 6 points on your license and a large fine. Plus, it making it near impossible to get insurance again as you have to declare that you've had insurance cancelled in the pass.

Its **** easy to work out if someone is fronting, I can find out within a couple of minutes if there is a high chance of someone fronting.

Its not 'sorta lying', it is lying full stop. (I've heard Fraud by deception somewhere)

Okay people, but they dont really know whos driving the car more, you or the main driver....thats all.
As I said, very common thing to do.


Very little insurance companies can do about it.

Just you as the named driver happen to be driving at the time...not the main driver.

Fronting will not be obvious unless the Main Driver on the Policy, and the Owner of the vehicle differ.

Besides this is all down to how far someone is willing to go to be insured. It IS illegal! And I do not recommend it. But the chances they'll be found are a relatively slim. Unless they happen to have someone monitoring you 24/7.

Anyway. Putting someone on as a named driver also reduces your insurance. When I was 18, the cheapest quote I could find on my 1.25 LX Fiesta was well over £3000 Third party. With my Dad as named driver it went down to 2,700. And after I passed my "Pass Plus" it went down to 2,200. Still... 2,200 on a Fiesta that was bought for £2,500... Third party lol. Insurance is plain getting stupid.

So let's please stop arguing =] Some people follow the law more than others. I've never fronted and don't recommend it. And besides. I like the idea of earning a no claims! And as for the:

"How about landing the policy holder / driver with a bill in excess of £1m if they kill someone??!"

... How is that even possible?!