First Car, First Insurance - £270 =)

[YeTeP]

Hey, I've searched for many quotes from different people... the criteria i put in was..

Punto 60SX 1.2 5 Door
My mum as the main driver, as obviously being my first car etc it's gonna be cheaper.
She's got max no claims (driven for 23 yrs without any claims)
Car value = ~1000
Annual Mileage = ~10000
Mods - Nope
Parked - On a drive
Fully comp.

I work with HSBC so I thought they'd be cheap, they quoted £780 cause I'm staff, which I thought 'first car, thats pretty good'. Even my mum thought so..

I went to the website http://www.insuresupermarket.com and gave them a shot..

Provident : £288 - No excess. £270 with £250 excess
Kwik Fit - £300 , £100 excess and free MOT
Some other company, cant remember the name - £330, £100 Excess - Free MOT with Kwik Fit and free Roadside assistance.

W00p
=)

 

[YeTeP]

sorry for the double post! please delete one! internet played up and accidently clicked twice!

 

[Ozzie1989]

Looks good, one thing to bear in mind though putting your mum as the First Named Driver, is that there are conditions as to how often the other named drivers can drive the car. You need to give them a ring and ask them.

I nearly got caught out, tried this, my mother had another car had a phonecall just as the policy was about to commence asking why my mother needed two cars as she couldn't drive the both (insurance companies share information) at the same time and all the time and that would I drive the car more than her? They said if I were to drive it more than her the insurance would automatically be void. Now I know it would be hard to find out but people have been caught out before!

Good luck with the quote, and just watch out if your mum has another car cause they might question you before or after you take out the policy and your mums insurance provider may also contact your mum and ask questions too.

 

[beau]

hmmm i might go on my mums insurance, £340 insted of £1900! well thats without mods, is gonna be a bit obvious, car in my name, and bodykit, alloys, lowered etc lol

 

[Ozzie1989]

If the car is in your name, no-one else can go down as the main driver of the car!

 

[beau]

If the car is in your name, no-one else can go down as the main driver of the car!

hmmmm they can

 

[Ozzie1989]

Read the policy on most of the sites (And in the small print) of some of the assumptions they make! I may be wrong though but here's an example from Liverpool Victoria terms on the main driver:

Your vehicle is not used for hire or reward
You are the owner, main user and registered keeper of the vehicle
You and any other driver are under 80 years of age
You are resident in the UK

 

[dave]

hmmmm they can

nope

 

[beau]

nope

oh.... well how do people insure there cars if they have put it in there kids name? several people on here have...

 

[Ozzie1989]

The car would have to be in the parent's name too...

Or quite simply - because it's an assumption - you can buy that insurance knowing full well that the "parent" is not the Legal Owner of the car and when you have an accident in it... bang your insurance is Void because they know the car is in the childs name!

 

[CJ_CINQQY]

im insured throught lloyds, the policy is in my mothers name,and the car is in my mothers name however i am the main driver. We ask about this and if it was illegal or if there was an accident about the policy being void,and we got told it would not be void and we have this in writing incase the worst shuld happen

 

[boyonthehill]

I was told it's illegal, called fronting. I tried to get my own insurance and then asked what if mam was main driver he said he would not quote us as it is illegal

 

[Ozzie1989]

im insured throught lloyds, the policy is in my mothers name,and the car is in my mothers name however i am the main driver. We ask about this and if it was illegal or if there was an accident about the policy being void,and we got told it would not be void and we have this in writing incase the worst shuld happen

Whoever is down as the main driver is the one that owns the insurance policy as they drive it the most! Read the terms and conditions, even the ones I posted above, in order to take out the policy it clearly states "You are the owner, main user and registered keeper of the vehicle" so I think they got something a little wrong there! This is also stated on one of the government websites!

 

[Spike87]

My car is registered in my Dad's name, my Dad is classed as the main driver on the insurance policy (CIS). However my Dad has driven my car around 4 times in the past year and I have driven it 40 miles a day up and down the M1. Nothing has been said so it's staying as it is. There's no way I'm paying £1000+ for insurance when if we say someone else is the main driver it goes down to around £400. I couldn't care less if I shouldn't be doing this. The insurance company isn't complaining. Yet.

 

[custard]

how can they complain if you dont tell them?

 

[Ozzie1989]

They do have ways of finding out though, as people have been caught doing it before! Don't ask me how but I've seen so many stories of how people got questioned when they were driving etc.

All it takes is one accident, and for that insurance company to ask you where you were going, you say work, they call up your employer to verify this, they ask how many days a week you work etc etc.... it goes on and they have so much info avaliable to them. They know the games of most people, and the other this is, does your Dad have another car? Cause when you have an accident, going along with the work thing above, they'll ask your Dad's insurer "how many miles does he do a year" etc and then they'll ask questions that why... why does your Dad need 2 cars? You get the drift...

I played it safe because my insurance company blatently said to me if I get caught driving it more than the main driver they will void my insurance... I couldn't afford to take that risk being a student, and also with business cover on the vehicle should I be using it for that purposes and got found out I could have not just lost my insurance money, but had to pay out the car (or thing) I hit, my cars damages, and all the business expenses... It would run well over £10grand! Not worth it sorry...

 

[jug]

Read the policy on most of the sites (And in the small print) of some of the assumptions they make! I may be wrong though but here's an example from Liverpool Victoria terms on the main driver:
Your vehicle is not used for hire or reward
You are the owner, main user and registered keeper of the vehicle
You and any other driver are under 80 years of age
You are resident in the UK

for a standard online quote they require standard criteria, but if you arrange a policy over the phone you can have any special terms you like. i can take out a policy in my name on any of your cars, and you legally cant stop me. i would be the main driver on the policy and legally insured fully comprehensive on any of your cars, even though i'm not the registered keeper and i dont even live near the registered address. all i need is the registration mark. trust me its been done before more than once.

if you are a named driver on a policy there are no standard restrictions on the amount of use. an insurance company can impose special terms, and they sometimes do for young drivers, to reduce the risk. but it is not possible to prove how much a certain person has used a car. even if the vehicle did 40000000 in a year you cant prove that a certain person did any of those miles.

that is why its silly to tell an insurance company that you do more than 10k a year, it will push the price up, but even if the vehicle did 20k that year your insurance couldn't be void as you can say someone else drove it for half the miles. they cant proove you wrong so they cant void the policy.

 

[CJ_CINQQY]

My car is registered in my Dad's name, my Dad is classed as the main driver on the insurance policy (CIS). However my Dad has driven my car around 4 times in the past year and I have driven it 40 miles a day up and down the M1. Nothing has been said so it's staying as it is.

thats what i think,how can the insurance company prove that you are the main driver and not the person whos name is on as the named driver?if you have a crash while driving it you just say you borrowed and crashed.they cant th non main driver drives it moore then the main driver

 

[Ozzie1989]

that is why its silly to tell an insurance company that you do more than 10k a year, it will push the price up, but even if the vehicle did 20k that year your insurance couldn't be void as you can say someone else drove it for half the miles. they cant proove you wrong so they cant void the policy.

Actually the insurance companies have access to the new computerised MOT stuff, and the mileage is recorded at every MOT. If you have done more in that year than you said you would, the insurace company can turn round and refuse to insure you for the rest of the term as you broke the contract.

 

[Tom444]

My car "belongs" to my dad and therefore my insurance policy is in his name. However, I am the driver listed as the main driver. We sorted all this out on the phone (consisting of "I'd like some insurance, I'd like my son to be named. He will be the main driver, is that ok?"). Sorted.