Hi guys,

I have a technical question for you.
I am currently 19 and my insurance is due soon but the catch is I am 20 a month and a half later. Can I declare to the insurance company that I am 20 because I will be for a majority of the period. It seems a bit daft paying a premium for nothing really?

The other way I thought of doing it was cancel it the month of my birthday, then get a new quote with the same company but would I lose the NCD I used on the policy which I cancelled and would the 1 month in advance payment cancel the gain out?

Also with Admiral is a girlfriend classed as a partner?

Just quoted online with them with:
11,000 annual mileage,
19YO,
1yrs NCD and 2Yr license held,
Cosmetic mods (mud flaps), lowered less then 5cm and K&N filter declared.

Fully comp & business with hire car, personal insurance and mods insurance came in as £980.00 on 12month cover (I don't like the 10month bonus accelarator, think its is a con really) which a lot better then what I am paying now, but I got it down to £870 with mam and girlfriend as named drivers (even though they are not going to drive it as they have access to their own cars). Not bad me thinks but I am wondering, is there a catch?

Would declaring uprated brakes also bring the price down do you think?

At this point I will mention my car is a completely stock 57reg fiat grande punto active 3dr. I would rather have the insurance in place then do the mods listed above.


Chris

Can't say your 20 when your not.

Will need to either not drive for 6 weeks, or take out policy, cancel and they retake it out.

You shouldn't loose your 1 years NCB.

Have you done price comparisons comparing your age now (19, 10 and a half months lol) compared to 20?

Like you say, being 20 for the majority of the policy, they MAY use that as the guide for price?

Worth a shot? (or two lol)

When you apply for insurance quote, I was always under the impression that you had to enter your DoB - would this not give the insurers a bit of a clue as to your age? (telling porkies to ins.co is a huge no-no as the first time you need to claim or have a claim against you, you'll find yourself in dep dog-do)
As for bringing down the cost - consider offering to pay a higher excess - show the ins.co you are a careful driver and are prepared to put your money where your mouth is.
Ask the ins.co. about discounts for security, see if they also offer discounts for taking additional driving courses (in my day, passing the advanced test opened up big discounts).
Look carefully at how you present yourself jobwise, I'm a driver but can present many different occupations (bus, lorry, coach, limo). I have persuaded my ins.co. that the type of vehicle I drive requires special skills as it is a full-sized bus but has to be driven around very narrow side streets, not only this but my passengers are very frail, elderly and/or disabled - so cannot be treated like 'normal' bus passengers, you cannot accellerate/decellerate or take corners quite as fast as you would in a bus/coach. I also asked my employer to provide proof of my accident free status.

sludgeguts said:

When you apply for insurance quote, I was always under the impression that you had to enter your DoB - would this not give the insurers a bit of a clue as to your age? (telling porkies to ins.co is a huge no-no as the first time you need to claim or have a claim against you, you'll find yourself in dep dog-do)
As for bringing down the cost - consider offering to pay a higher excess - show the ins.co you are a careful driver and are prepared to put your money where your mouth is.
Ask the ins.co. about discounts for security, see if they also offer discounts for taking additional driving courses (in my day, passing the advanced test opened up big discounts).
Look carefully at how you present yourself jobwise, I'm a driver but can present many different occupations (bus, lorry, coach, limo). I have persuaded my ins.co. that the type of vehicle I drive requires special skills as it is a full-sized bus but has to be driven around very narrow side streets, not only this but my passengers are very frail, elderly and/or disabled - so cannot be treated like 'normal' bus passengers, you cannot accellerate/decellerate or take corners quite as fast as you would in a bus/coach. I also asked my employer to provide proof of my accident free status.

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opposite case for me.
My Job increases it and its impossible to sugar coat even as any other job such as wharehouse worker (its always same price)

I was in the same position last year. Renewal 10 days before my 21st birthday. I took out a policy with Virgin, waited 10 days, then cancelled. Cost nothing as you get 14 days to change your mind!

Try adding a parent as a named driver, it's perfectly legal (for now) and brings it down a packet.

Don't lie whatever you do, it isn't worth it in the long run!

AshleyR said:

Try adding a parent as a named driver, it's perfectly legal (for now) and brings it down a packet.

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Why for now?

I doubt they'll be stopping it anytime as they're insuring a legitimite (sp?) risk, unlike when someone is fronting.

Most Easterly Pandas said:

I doubt they'll be stopping it anytime as they're insuring a legitimite (sp?) risk, unlike when someone is fronting.

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That's what I was thinking. I have a genuine need to have my mum as a named driver on my policy, she will need to drive my car for the odd day in each fortnight, it has the advantage of bringing the cost down a touch. aswell I recon its the same for alot of people.

PlopHole said:

That's what I was thinking. I have a genuine need to have my mum as a named driver on my policy, she will need to drive my car for the odd day in each fortnight, it has the advantage of bringing the cost down a touch. aswell I recon its the same for alot of people.

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My mum is purely on there to save me money...saved me £100 last time lol...she is only a named driver though.

Kier said:

My mum is purely on there to save me money...saved me £100 last time lol...she is only a named driver though.

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Ditto, and the old man also has fully comp cover should he smack my car up also rather than DOC 3rd party cover.

miles at 11k miles?!
a little known secret from a friend of mine. He used to work for an insurance company and he told me that the price change from <5000 to >5000 is quite a bit. If you note your mileage and set it for 5k miles and then when approaching 5k miles ring them up and say ur going to do more..