The other drivers NCB is of no relivence if they're going on as a named driver, as they don't earn NCB, and insurance companies don't recognise NCB for them

Most Easterly Pandas said:

The other drivers NCB is of no relivence if they're going on as a named driver, as they don't earn NCB, and insurance companies don't recognise NCB for them

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That's alright then, I'll try and put my mum on the quote then, seems silly that my lowest insurance quote is 4 pounds higher then the price I payed for the car. -.-

picked up an S reg fiesta for my youngest to play with. only cost £100 so a real bargain. Best insurance I could find was a tad over £2k third party only (and that was £700 off adding me to the mix).
Insurance companies really are a bunch of greedy, moneygrabbing barstewards.
Year on year my insurance increases despite me not making a claim - so why am I being loaded ?
Insurance companies should be looking to get their losses back from the people who are to blame, not from innocent motorists.

sludgeguts said:

picked up an S reg fiesta for my youngest to play with. only cost £100 so a real bargain. Best insurance I could find was a tad over £2k third party only (and that was £700 off adding me to the mix).
Insurance companies really are a bunch of greedy, moneygrabbing barstewards.
Year on year my insurance increases despite me not making a claim - so why am I being loaded ?
Insurance companies should be looking to get their losses back from the people who are to blame, not from innocent motorists.

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Yeah I know what you mean.
Next year the government are bringing the girls insurance up to the guys prices, and they are basing it on the car, rather than the person, for example, someone who was 50, and had 0 NCB and held their license for 30 years, has the same price as a 17 year old. (same car)
At least that is what i've been told..

Cheap insurance?

Cheap car, don't modify it with subwoofers etc.

Dom

We have just taken out insurance with I-Kube for our 17 year old son. He is on a provisional licence and I know it is not ideal for him to be restricted to not driving between the hours of 11 pm and 5 am but there was no other choice really. We were getting quotes of £4000 plus and then when he passes his test, the price would go up again - most companies would not even quote. With I-Kube I got the insurance for just under £1900 and that is fully comprehensive. Hopefully this will get him a years no claims and next year should be cheaper. For the first year, he has to have the box but the second year we were told that he could have the box removed and hopefully the insurance should not be much more than he is paying already.

Might be worth considering. I have read on here about people who had I-Kube and they didn't advise it and had bad installation etc. They were due to come out to us last Friday but cancelled at the end of the day. They rescheduled and came out on Tuesday this week. They didn't leave a mess in the car and I am relatively pleased with it, know my son would have preferred not to have had the restrictions but that is the price he has to pay for having insurance this year.

You said you are 16, so will be learning for part of the year anyway, so might be worth considering to get you going with insurance and earning your own no claims.

subwoofers wouldnt raise ur insurance, or asleast it shouldnt, only engine mods and maby stuff like sideskirts and exhausts should,

you would be better building up your no claims bonus asap if u can aford too, i started driving at your age, i payed 3.2 grand first year, built up 1 year no claims and i now pay 1.4k , and im on my own insurance as main driver,

things like your car been in a garage on a night helps bring it down,

also dont make any mods and just dont drive like a tit untill u can aford too.

Butcher said:

subwoofers wouldnt raise ur insurance, or asleast it shouldn't

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Unless your company deem it more likely to be broken in to

Most Easterly Pandas said:

Unless your company deem it more likely to be broken in to

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Or driven like a t1t with music blarring so very little concentration on the road..

Dom

you dont need a sub to blare music out so u cant even hear a police man behind you, your insurance company would have to be run by hilter to increase it over a sub in ur boot

Hi Josh. I have a lot of sympathy. My daughter was 18 when she passed and I felt really bad about landing massive bills on her because I forced her to learn - it was mandatory but having said that once she had her license I didn't care if she never drove again. She has my Yaris which is a small engine size and I must tell you this all happened 3 months ago before anyone tells you it is illegal. I rang my insurance company and they did the following.
They kept me as the owner of the car and her as named driver and then charged me £87 per month. They then told me I could not use my no claims for my new car (sciento) but the cost of that all in (legal, etc) was only about £240 which I paid up front. I know people will say that I was mad threatening my no claims but the no claims protection on the Yaris stands because I own the car. Not every young driver is a speed freak. So Josh I own 2 cars and she has use of one of them and she is building up her no claims this way. I use Privledge. It doesn't matter to her that she doesn't own the car just that she has one.

hoolahooper said:

this all happened 3 months ago before anyone tells you it is illegal.

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Doesn't make it not illegal. Are they company insuring the Yaris aware that your daugter is the main driver and you own and drive another car regularly?

hoolahooper said:

Hi Josh. I have a lot of sympathy. My daughter was 18 when she passed and I felt really bad about landing massive bills on her because I forced her to learn - it was mandatory but having said that once she had her license I didn't care if she never drove again. She has my Yaris which is a small engine size and I must tell you this all happened 3 months ago before anyone tells you it is illegal. I rang my insurance company and they did the following.
They kept me as the owner of the car and her as named driver and then charged me £87 per month. They then told me I could not use my no claims for my new car (sciento) but the cost of that all in (legal, etc) was only about £240 which I paid up front. I know people will say that I was mad threatening my no claims but the no claims protection on the Yaris stands because I own the car. Not every young driver is a speed freak. So Josh I own 2 cars and she has use of one of them and she is building up her no claims this way. I use Privledge. It doesn't matter to her that she doesn't own the car just that she has one.

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There's only a couple of companies who allow named drivers to build NCB & many NCBs expire with the premium - I believe Privilege expires within 7 days. You may find that other companies don't recognise this NCB as you can be a named driver and never drive, so having maximum NCB without touching the wheel since passing your test
Also, what MEP is saying is that you could be seen as fronting for your daughter.

I'd be interested to know just how an insurance company decides at what point the named driver becomes the main driver.

hoolahooper said:

They kept me as the owner of the car and her as named driver and then charged me £87 per month. They then told me I could not use my no claims for my new car (sciento) but the cost of that all in (legal, etc) was only about £240 which I paid up front. I know people will say that I was mad threatening my no claims but the no claims protection on the Yaris stands because I own the car. Not every young driver is a speed freak. So Josh I own 2 cars and she has use of one of them and she is building up her no claims this way. I use Privledge. It doesn't matter to her that she doesn't own the car just that she has one.

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I work in Car/Home Insurance and this IS fronting and is illegal. Chances are if something happens to this vehicle it will void your policy and could end up getting an IN10 to boot, then you really will complain about insurance prices. I work for a large insurer and we do not accept NCB unless you are the regular driver of the policy and a lot of other big companies run this policy too. Funny thing is that its situations like this that cause the price of insurance to rise each year, 1 accident and boom, no-one to claim off for the other party you hit so THEY have a fault accident with no fault of their own. People need to do their research before buying cars and buy accordingly.

All insurance is on the basis of what the law calls "utmost good faith". Provided the insurers were truthfully told ALL the details about who will drive the car, who owns it and all the rest of the stuff they need to know, it is not fronting.

I see a lot of no insurance cases in court that are very similar to this one, the reason they end up in court is because they didn't tell the whole truth.

Ello Josh. I was in the same position as you, but with mingling every night I have got my Insurance down to £2400, on a 56 Grande Punto, and guessing by your name you are looking to be getting the same car.


The best tips I can give you is...

Going on Moneysupermarket.com ... its the best website for comparison for younger people like me and you.

Try getting an older version of a car... Like instead of getting an 09 Grande Punto, get a 56 one. This will knock off at least £400 - £600 easily.

Pass Plus, yep good idea... but Its only a few hundred it takes off from experience of doing it too.

Fitting an Alarm and Tracking device to the car (costs maybe £200) but will knock off maybe double in a quote.

Try the 1.2 Active version of a Punto, its the cheapest insurance or the 1.4 Sporting Active.

Dont go with Ikube or what ever its called... You get a GPS fitted to your car so you dont go over your monthly miles quote and time quote... if you do so, under the contract you are fined £60... and its like 40 pence every mile you go over. Its pointless...


Try Multicar Insurance, this knocked off around £800 for me...


I am an expert at getting insurance down, as I like do it every night!! hahaha

If you want any more help just message me

Grande Mark said:

Ello Josh. I was in the same position as you, but with mingling every night I have got my Insurance down to £2400, on a 56 Grande Punto, and guessing by your name you are looking to be getting the same car.


The best tips I can give you is...

Going on Moneysupermarket.com ... its the best website for comparison for younger people like me and you.

Try getting an older version of a car... Like instead of getting an 09 Grande Punto, get a 56 one. This will knock off at least £400 - £600 easily.

Pass Plus, yep good idea... but Its only a few hundred it takes off from experience of doing it too.

Fitting an Alarm and Tracking device to the car (costs maybe £200) but will knock off maybe double in a quote.

Try the 1.2 Active version of a Punto, its the cheapest insurance or the 1.4 Sporting Active.

Dont go with Ikube or what ever its called... You get a GPS fitted to your car so you dont go over your monthly miles quote and time quote... if you do so, under the contract you are fined £60... and its like 40 pence every mile you go over. Its pointless...


Try Multicar Insurance, this knocked off around £800 for me...


I am an expert at getting insurance down, as I like do it every night!! hahaha

If you want any more help just message me

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I challenge you to get mine down from £5000!

Dom

dombooth said:

I challenge you to get mine down from £5000!

Dom

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Challenge Accepted.


Also, just did a wee experiment there, a large chunk of the price is where you live...

Bishopton - Where I Live - 1.4 Punto Grande Sporting 56 plate = £2400
Paisley - Where I dont live and has more crime and violence = £3450

Just over £1000 more... Pft!

Grande Mark said:

Pass Plus, yep good idea... but Its only a few hundred it takes off from experience of doing it too.


I am an expert at getting insurance down, as I like do it every night!! hahaha

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My eldest's insurance dropped from £5k to £2.5k after pass plus

dombooth said:

I challenge you to get mine down from £5000!

Dom

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Not a chance, you might as well live in Tripoli