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Old 21-10-2007   #31
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Re: insurance fronting

Some people pay more for insurance then they do for the car. Such as someone at work whos brother has a 1.3 Escort, worth about 500 quid, if not a bit less, and he pays over a grand to insure it.

Thats the reason why people drive around with no insurance.

My idea would be to stop people drivign with no insurance, would be that you could have a disc (like a tax disc), in the front windscreen, stating who the policy is named under, who with, and when it expires - this would help a lot and wouldnt cost that much to introduce (its only a little bit of paper).
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Old 21-10-2007   #32
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Re: insurance fronting

Quote Originally Posted by Si View Post
So just seen an advert for this new Polo Bluemotion. Quick look up on their website and I'm thinking this isn't a bad car for a first time driver.
  1. Zero Car Tax
  2. Combined Cycle of 74.3 mpg - Cheap Fuel Costs
  3. Group 5 Insurance
OK pricey at the moment at £12k but still the above is appealing. Then I did an insurance quote on Tesco, over £2.5K

I can understand a bit why fronting does happen. I accept some of that premium will be down to the age and value of the vehicle but it's still a kick in the teeth to fork out that much...
17 year old, K Reg Fiat Panda 1000 Fire, £300, Insurance of just under £2k. (the panda is group 1 as well)

now i think that is taking the michael, thats even with my parents as named drivers which brings it down slightly.

17 year old, D Reg Jaguar Sovereign 3.6 Straight6 (grandpas old car but they aint worth much now but it is mine). Insurance of £3.5K (Cheapest). Now it would make sense for me to drive the Jag over the panda wouldnt it

p.s. im now 18 and panda exists no more due to errr... problems...
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Old 21-10-2007   #33
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Re: insurance fronting

Quote Originally Posted by Joshua Frost-Lunn View Post
Some people pay more for insurance then they do for the car. Such as someone at work whos brother has a 1.3 Escort, worth about 500 quid, if not a bit less, and he pays over a grand to insure it.

Thats the reason why people drive around with no insurance.

My idea would be to stop people drivign with no insurance, would be that you could have a disc (like a tax disc), in the front windscreen, stating who the policy is named under, who with, and when it expires - this would help a lot and wouldnt cost that much to introduce (its only a little bit of paper).
I think this is already done in other European countries.
They have an insurance disc instead of a tax disc (they don't have road tax)
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Old 21-10-2007   #34
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Re: insurance fronting

Quote Originally Posted by herpsuk View Post
17 year old, K Reg Fiat Panda 1000 Fire, £300, Insurance of just under £2k. (the panda is group 1 as well)

now i think that is taking the michael, thats even with my parents as named drivers which brings it down slightly.

I had no idea insurance was so much for a 17 yr old
On a 1.0 Panda as well
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Old 21-10-2007   #35
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Re: insurance fronting

Quote Originally Posted by RichDoblo120 View Post

I had no idea insurance was so much for a 17 yr old
On a 1.0 Panda as well
its disgraceful

ontop of that ive just been put on an A Class 150 for a week due to grandparents needing me as a driver for a day and the insurance was £33 for a day ro £33 for a week. we chose a week. Whats it like for other people for shortperiods on policys like this?
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Old 21-10-2007   #36
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Re: insurance fronting

Quote Originally Posted by herpsuk View Post
its disgraceful

ontop of that ive just been put on an A Class 150 for a week due to grandparents needing me as a driver for a day and the insurance was £33 for a day ro £33 for a week. we chose a week. Whats it like for other people for shortperiods on policys like this?
I think you'd pay that sort of rate for daily insurance no matter what your age is.
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Old 21-10-2007   #37
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Re: insurance fronting

Quote Originally Posted by herpsuk View Post
its disgraceful

ontop of that ive just been put on an A Class 150 for a week due to grandparents needing me as a driver for a day and the insurance was £33 for a day ro £33 for a week. we chose a week. Whats it like for other people for shortperiods on policys like this?
Usually found when I've needed Dad's CTR adding me for a week was the better financial option.
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Old 21-10-2007   #38
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Re: insurance fronting

insurance prices arnt jsut about the car and whos driving, a big part is played by were you live aswell. you live in a big city you pay the price. performance isnt allways a key factor either it all depends on the car. and things like how popular it is for being stolen. any one remeber the escort xr3 turbos ? they werent that amazing quick but i remeber when i was young getting refuzed quotes even though i could get insurance on cas that cost 3 times as much with big 3 liter engines madness lol
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Old 21-10-2007   #39
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Re: insurance fronting

to make you feel better, I pay £180 a year fully comp on my 1.9 Dobbie ( I think it's group 5 )
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Old 21-10-2007   #40
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Re: insurance fronting

I can get temporary insurance on any car (so far went upto a group 7 focus) for £15 a shot. Thats because its only the admin fee of the insurance company. As i always have insurance with them. More than
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Old 21-10-2007   #41
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Re: insurance fronting

Yes, it's shocking. I pay three times what I paid for my car just to insure it. My £46 Uno costs me £150 to insure. Such an unfair world
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Old 21-10-2007   #42
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Re: insurance fronting

I pay nearly as much as you pay in a year per a month. £120 or thereabouts
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Old 21-10-2007   #43
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Re: insurance fronting

Quote Originally Posted by Joshua Frost-Lunn View Post
I pay nearly as much as you pay in a year per a month. £120 or thereabouts
Yes, but I earnt a good driving record and maximum no claims bonus over 19 years of driving. That's why my insurance is so cheap, plus my car is in a low insurance group, not worth much and not likely to get stolen.

I still think £150 is too much considering!
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Quote Originally Posted by Trinity View Post
we got a lot 126 here in Egypt .. a funny car and fun to drive though sometimes i feel like I am sitting on a chair in the middle of the street
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Old 21-10-2007   #44
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Re: insurance fronting

Quote Originally Posted by RichDoblo120 View Post
to make you feel better, I pay £180 a year fully comp on my 1.9 Dobbie
Cor i'm cheap
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Old 21-10-2007   #45
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Re: insurance fronting

Im quite happy with how much i pay for insurance. When i think about what some people have said. Why dont you get a newer smaller egined car doesnt exactly help.

I got quoted more to insure a new shape 1.2/1.4 Cors club then i did on my much more powerful and better specced Stilo.

For the power of the Stilo, she is in quite a lowinsurance group and is less then the equivilents from Ford or Vauxhall to insure.

The amount that i spend over my old 1.2 Micra if i were to be insuraing that (an extra £20 a month on Stilo), i make up for in fuel savings.
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