Alex-R's Insurance Debate/Wrangle from the RST thread
- Thread starter x Alex x
- Start date
Currently reading:
Alex-R's Insurance Debate/Wrangle from the RST thread
Re: The RS Turbo
how? most insurance say in small print you have to be over 21 or 25 to drive other cars on your policy
and i can drive any car
how? most insurance say in small print you have to be over 21 or 25 to drive other cars on your policy
Re: The RS Turbo
this is true, i tried this with my insurance, as my mum and dad could insure my golf cabby for £200 and i could insure my old cinq abarth but when i said to insurance co, if my mum and dad insure the golf, i insure the cinq FC then i can drive the golf, no? they said you have to be 21 to do that..
id check if i were you or if you crash this (very possible as an unexperienced driver in an RS) then you could be looking at a heavy fine/invalidated insurance/points/maybe even jail?
I know my friend forgot to renew his insurance on his 1.4 civic s***ter, got pulled over 2 days after it elapsed, tax ran out that day, he got 6points (license taken away) £250 fine, and might have to go to court over it.. so if you are 'uninsured' on this then you could be looking at similar..
Craig
this is true, i tried this with my insurance, as my mum and dad could insure my golf cabby for £200 and i could insure my old cinq abarth but when i said to insurance co, if my mum and dad insure the golf, i insure the cinq FC then i can drive the golf, no? they said you have to be 21 to do that..
id check if i were you or if you crash this (very possible as an unexperienced driver in an RS) then you could be looking at a heavy fine/invalidated insurance/points/maybe even jail?
I know my friend forgot to renew his insurance on his 1.4 civic s***ter, got pulled over 2 days after it elapsed, tax ran out that day, he got 6points (license taken away) £250 fine, and might have to go to court over it.. so if you are 'uninsured' on this then you could be looking at similar..
Craig
Last edited:
OP
OP
Re: The RS Turbo
dont need to check, it's on the policy certificate, i made a thread on this and scanned in the cert.
OP
OP
Re: The RS Turbo
subject to turms of policy, that means look in the policy in there it will say it excludes you
subject to turms of policy, that means look in the policy in there it will say it excludes you
OP
OP
Re: The RS Turbo
it doesnt thought, obviously checked all that before hand
subject to turms of policy, that means look in the policy in there it will say it excludes you
it doesnt thought, obviously checked all that before hand
Re: The RS Turbo
Don't forget that if it is insured in your dad's name with you as a named driver then your dad MUST be the main driver of the car, which going by the previous posts is not the case. If his insurance company find out that you are in fact the main driver then they can invalidate the insurance if a claim were to be made if you have an accident.
If you are driving the car under another policy (additional cars cover for driving a vehicle not belonging to you and not covered by another insurance policy) then you will ONLY HAVE THIRD PARTY COVER. You crash, then you you will not be able to claim anything for 'your' car.
S1 RS Turbos were pushing out somewhere between 130 - 150bhp (depending on how much phallic extension is needed down the pub) S2 RS Turbos were detuned and softened overall as the S1's weren't renowned for their reliability nor finesse. Doubt very much yours is pushing 220bhp unless serious and expensive modifications have been carried out. Plus 220bhp in a cabriolet will cause shell flex like nothing else.
Put it this way, the Sierra Cossie was only just over 200bhp as standard (same era as the 'Scort) and that had a 2.0 litre 16v engine compared with a 1.6 litre 8v. There were similar power figures for the original Delta Integrale and Audi Quattro with similar sized 2 litre (ish) engines. Besides, 220bhp in a front driver will produce little more than wheel spin if you attempt to use it so what is more important is what the timing ticket says at the 1/4 mile strip or racetrack lap time rather than how much power the engine allegedly produces.
Have fun, but make sure you don't drive with dodgy insurance and be careful with a turbo at 18. You can get into serious trouble in a car like that as they can still catch out much more experienced drivers. Please don't drive it like those idiots drove their BMWs and Merc in the 'clunk click' posting Jug posted here recently...
Don't forget that if it is insured in your dad's name with you as a named driver then your dad MUST be the main driver of the car, which going by the previous posts is not the case. If his insurance company find out that you are in fact the main driver then they can invalidate the insurance if a claim were to be made if you have an accident.
If you are driving the car under another policy (additional cars cover for driving a vehicle not belonging to you and not covered by another insurance policy) then you will ONLY HAVE THIRD PARTY COVER. You crash, then you you will not be able to claim anything for 'your' car.
S1 RS Turbos were pushing out somewhere between 130 - 150bhp (depending on how much phallic extension is needed down the pub
) S2 RS Turbos were detuned and softened overall as the S1's weren't renowned for their reliability nor finesse. Doubt very much yours is pushing 220bhp unless serious and expensive modifications have been carried out. Plus 220bhp in a cabriolet will cause shell flex like nothing else.Put it this way, the Sierra Cossie was only just over 200bhp as standard (same era as the 'Scort) and that had a 2.0 litre 16v engine compared with a 1.6 litre 8v. There were similar power figures for the original Delta Integrale and Audi Quattro with similar sized 2 litre (ish) engines. Besides, 220bhp in a front driver will produce little more than wheel spin if you attempt to use it so what is more important is what the timing ticket says at the 1/4 mile strip or racetrack lap time rather than how much power the engine allegedly produces.
Have fun, but make sure you don't drive with dodgy insurance and be careful with a turbo at 18. You can get into serious trouble in a car like that as they can still catch out much more experienced drivers. Please don't drive it like those idiots drove their BMWs and Merc in the 'clunk click' posting Jug posted here recently...
OP
OP
Re: The RS Turbo
thanks for that, i'm driving it under my policy, and yeh i know its only third party which is fine i too doubt it's running anything near 200bhp but what would i know i'm 18 and have only driven a punto on the road for a year.
either way it's insanely fast to me, left quite an impressive gap between the a new golf GT on saturday accelerating from motorway speed
thanks for that, i'm driving it under my policy, and yeh i know its only third party which is fine
i too doubt it's running anything near 200bhp but what would i know i'm 18 and have only driven a punto on the road for a year.either way it's insanely fast to me, left quite an impressive gap between the a new golf GT on saturday accelerating from motorway speed
- Joined
- Apr 26, 2007
- Messages
- 13,617
- Points
- 2,161
Re: The RS Turbo
Hav to say I would be seriously stressed if it was my young 'un with that car on my policy and he being the main driver.... plus ur not earning your own NCD and saving up massive payments for when things should be just getting nice and easier for you dude.
Check the policy, call the broker or company and ask for a letter of clarification when u have told them the facts / truth. Its far better than having personal injury claims hanging round your neck for the rest of your life if there is some clause that gets the insurer out of a full payment for your liability.
Good Luck, have fun.
Hav to say I would be seriously stressed if it was my young 'un with that car on my policy and he being the main driver.... plus ur not earning your own NCD and saving up massive payments for when things should be just getting nice and easier for you dude.
Check the policy, call the broker or company and ask for a letter of clarification when u have told them the facts / truth. Its far better than having personal injury claims hanging round your neck for the rest of your life if there is some clause that gets the insurer out of a full payment for your liability.
Good Luck, have fun.
OP
OP
Re: The RS Turbo
i am owning my own NCB though, i have my own policy on my punto which allows me to drive any car i wish lol.
anyway, this isn't an insurance thread but i knew it would turn into one
Hav to say I would be seriously stressed if it was my young 'un with that car on my policy and he being the main driver.... plus ur not earning your own NCD and saving up massive payments for when things should be just getting nice and easier for you dude.
Check the policy, call the broker or company and ask for a letter of clarification when u have told them the facts / truth. Its far better than having personal injury claims hanging round your neck for the rest of your life if there is some clause that gets the insurer out of a full payment for your liability.
Good Luck, have fun.
i am owning my own NCB though, i have my own policy on my punto which allows me to drive any car i wish lol.
anyway, this isn't an insurance thread but i knew it would turn into one
- Joined
- Apr 26, 2007
- Messages
- 13,617
- Points
- 2,161
Re: The RS Turbo
Cool by me Alex R sounds like quite some policy u have there for a young 'un!
I too can drive any car, except only my main car is comprehensive, any other car is 3rd party only.
I think people on here are concerned thats all Alex, but ur Dad probably has it sorted for you both so I will butt out.
Cool by me Alex R sounds like quite some policy u have there for a young 'un!
I too can drive any car, except only my main car is comprehensive, any other car is 3rd party only.
I think people on here are concerned thats all Alex, but ur Dad probably has it sorted for you both so I will butt out.
Re: The RS Turbo
The reason being is you are publicly announcing that you are driving a car that would otherwise be uninsurable for you by using a loophole in your insurance. Try and get a quote for insuring it off your own back and see what happens. I guarantee that you will receive either "No quote" or get telephone number type premiums.
That's because you are male, 18 years old and wanting to drive a turbo charged car. All that makes you at very high risk of being involved in an accident, as is backed up by accident statistics, and reinforces why young drivers are discouraged from driving such vehicles.
Thing is, many young drivers do use loopholes, crash the cars and then make a claim. If the insurance company pays out, who actually foots the bill? It's all the other drivers who pay premiums, that's who. So every time a young driver crashes a car that he technically shouldn't be driving the resulting payout bumps up the premiums for everyone else paying for their own insurance.
I'd like to think you are a very responsible driver and will drive sensibly and respect the fact that you have a turbcharged hot hatch/ cabriolet in your control. However, most 18 year olds do not have that wisdom or experience and WILL get into trouble with that type of car.
Sorry to rain on your parade, but to be honest if you can't afford/ get insurance to drive a car in your own name then you shouldn't be driving it. Only today there was a report on the news about the very high rates of accidents amongst young drivers and why both insurance companies and the Government want to raise the minimum driving age to 18. Put those same young drivers in performance cars and the accident rate goes even higher...
The reason being is you are publicly announcing that you are driving a car that would otherwise be uninsurable for you by using a loophole in your insurance. Try and get a quote for insuring it off your own back and see what happens. I guarantee that you will receive either "No quote" or get telephone number type premiums.
That's because you are male, 18 years old and wanting to drive a turbo charged car. All that makes you at very high risk of being involved in an accident, as is backed up by accident statistics, and reinforces why young drivers are discouraged from driving such vehicles.
Thing is, many young drivers do use loopholes, crash the cars and then make a claim. If the insurance company pays out, who actually foots the bill? It's all the other drivers who pay premiums, that's who. So every time a young driver crashes a car that he technically shouldn't be driving the resulting payout bumps up the premiums for everyone else paying for their own insurance.
I'd like to think you are a very responsible driver and will drive sensibly and respect the fact that you have a turbcharged hot hatch/ cabriolet in your control. However, most 18 year olds do not have that wisdom or experience and WILL get into trouble with that type of car.
Sorry to rain on your parade, but to be honest if you can't afford/ get insurance to drive a car in your own name then you shouldn't be driving it. Only today there was a report on the news about the very high rates of accidents amongst young drivers and why both insurance companies and the Government want to raise the minimum driving age to 18. Put those same young drivers in performance cars and the accident rate goes even higher...
OP
OP
Re: The RS Turbo
well yes i see where you're coming from, i am a sensible driver, honestly! the bottom line is i'm insured on it and thats great how many people my ages would turn down driving an RS Turbo in favour of an 8 valve punto? Hmmm..
and i could afford to insure it but i wouldn't pay it because that would be silly plus the fact i dont have too.
well yes i see where you're coming from, i am a sensible driver, honestly! the bottom line is i'm insured on it and thats great
how many people my ages would turn down driving an RS Turbo in favour of an 8 valve punto? Hmmm..and i could afford to insure it but i wouldn't pay it because that would be silly plus the fact i dont have too.
OP
OP
Re: The RS Turbo
yeh it is rather good, and yea i'm sure everyone is concerned and that's fine you don't need to butt out lol, i can't see this debate ending any time soon
yeh it is rather good, and yea i'm sure everyone is concerned and that's fine
you don't need to butt out lol, i can't see this debate ending any time soon
Re: The RS Turbo
Ok, just to clarify the situation can you tell me this:
1. Who is the legal owner of the RS Turbo
2. Whose name is registered in the log book
3. Who will be the MAIN driver of the car
And are you absolutely 100% sure that your insurance policy gives you the ability to drive other cars? Most companies won't give that to you until you are over 25 years old. The information in your policy document will cover ALL the policies that are offered by the insurance company so you need to make sure that your insurance certificate specifies which section applies to you. If in doubt ring your insurance company and ask them to clarify the situation in writing. Do not just accept the policy document at face value as it is meaningless. The only document that stands legally is the insurance certificate itself, and that should specify which clauses affect you. The last thing you want to happen is have an accident and then find out you are NOT covered. Better to be safe than sorry.
Oh, and please prove me wrong by driving the RS for a year and not having an accident. I'll still think you will be a one off if that happens but you will earn my respect. If however you get done for speeding, crash or lose control then expect many people on the forum to shake their heads and say "I told you so" Also expect a metaphoric arse kicking from the older members as our premiums go up as a result
well yes i see where you're coming from, i am a sensible driver, honestly! the bottom line is i'm insured on it and thats great
and i could afford to insure it but i wouldn't pay it because that would be silly plus the fact i dont have too.
Ok, just to clarify the situation can you tell me this:
1. Who is the legal owner of the RS Turbo
2. Whose name is registered in the log book
3. Who will be the MAIN driver of the car
And are you absolutely 100% sure that your insurance policy gives you the ability to drive other cars? Most companies won't give that to you until you are over 25 years old. The information in your policy document will cover ALL the policies that are offered by the insurance company so you need to make sure that your insurance certificate specifies which section applies to you. If in doubt ring your insurance company and ask them to clarify the situation in writing. Do not just accept the policy document at face value as it is meaningless. The only document that stands legally is the insurance certificate itself, and that should specify which clauses affect you. The last thing you want to happen is have an accident and then find out you are NOT covered. Better to be safe than sorry.
Oh, and please prove me wrong by driving the RS for a year and not having an accident. I'll still think you will be a one off if that happens but you will earn my respect. If however you get done for speeding, crash or lose control then expect many people on the forum to shake their heads and say "I told you so"
Also expect a metaphoric arse kicking from the older members as our premiums go up as a result
OP
OP
Re: The RS Turbo
my dad is the legal owner and the main driver, i've just been driving it whilst the novelty is still there lol, starting to wear off a bit now after driving to scotland and being told by various girls that my punto is better!
my dad is the legal owner and the main driver, i've just been driving it whilst the novelty is still there lol, starting to wear off a bit now after driving to scotland and being told by various girls that my punto is better!
Re: The RS Turbo
if you listen to girls you'll end up shopping every day and painting your walls pink.
imo you should take advantage of your 3rd party cover and drive as many cars as possible as often as possible, i do and i enjoy it
end of the day you pay through the nose for your punto's insurance, and you are legally covered to drive the turbo, so why not take advantage and get your money's worth. as long as its your dad's car and you just borrow it occasionally you are doing nothing wrong.
if you listen to girls you'll end up shopping every day and painting your walls pink.
imo you should take advantage of your 3rd party cover and drive as many cars as possible as often as possible, i do and i enjoy it
end of the day you pay through the nose for your punto's insurance, and you are legally covered to drive the turbo, so why not take advantage and get your money's worth. as long as its your dad's car and you just borrow it occasionally you are doing nothing wrong.
Re: The RS Turbo
I'd agree with that, though it is somewhat confusing as in the course of the thread it started off as your dad's car, then it seemed to be your car, now it is back to your dad's car that you will borrow occasionally.
But for goodness sake double check on your insurance as I don't know anyone who got the 'driving other cars' cover at your age. You really cannot afford to risk driving whilst uninsured.
I've just checked the scan of your certificate and it looks like you do have cover to drive other cars. But, what do the terms and conditions of your policy say? You have to be very careful as it might specify that you have to be over a certain age for that to apply to.
Also, you need to check what "Limitations as to use - Class 1" covers.
Any chance you can scan in the terms and conditions of your policy for driving other cars? Have you read your policy to double check yet???
I'd agree with that, though it is somewhat confusing as in the course of the thread it started off as your dad's car, then it seemed to be your car, now it is back to your dad's car that you will borrow occasionally.
But for goodness sake double check on your insurance as I don't know anyone who got the 'driving other cars' cover at your age. You really cannot afford to risk driving whilst uninsured.
I've just checked the scan of your certificate and it looks like you do have cover to drive other cars. But, what do the terms and conditions of your policy say? You have to be very careful as it might specify that you have to be over a certain age for that to apply to.
Also, you need to check what "Limitations as to use - Class 1" covers.
Any chance you can scan in the terms and conditions of your policy for driving other cars? Have you read your policy to double check yet???
Re: The RS Turbo
Strange isn't it, girls liking a nice, shiney new Fiat Punto instead of an old banger of an RS Turbo......
Seems insurance is fine but worth a double check if there are any hidden T&Cs that exclude you driving cars like this. I kind of like it myself, prefer the tin top ones though, I'd lose some of the chav addons. Whoever said a white RS
....being told by various girls that my punto is better!
Strange isn't it, girls liking a nice, shiney new Fiat Punto instead of an old banger of an RS Turbo......
Seems insurance is fine but worth a double check if there are any hidden T&Cs that exclude you driving cars like this. I kind of like it myself, prefer the tin top ones though, I'd lose some of the chav addons. Whoever said a white RS
