If your young...

[lizardlace]

I just got my car insurance with elephant for £700. It was ment to be £1100, but i put both my parents on the insurance which made it go down £200 per parents. And some people say parents are useless.

 

[ChrisUK]

I just got my car insurance with elephant for £700. It was ment to be £1100, but i put both my parents on the insurance which made it go down £200 per parents. And some people say parents are useless.

How old are you?. What area? and how many years NCB?. Just thought this data would be more useful for people. Sound useful.

Yeah I add my dad onto my insurance as a named driver and it knocks at least £150 off . Has the added benefit that he can drive my car to come pick me up when im pi**ed :devil:.

 

[lizardlace]

im 18 and live in southampton. i dont have any NCB

 

[Hellcat]

I don't see why this should be the case though. Having parents able to drive the car does not a safer driver make.

 

[ChrisUK]

I don't see why this should be the case though. Having parents able to drive the car does not a safer driver make.

Well the theory behind it I guess is that the named driver will be driving for at least part of the policy's life span reducing the risk. But yeah you have a point.

 

[Hellcat]

Nearly a 3rd off the risk? Should be made illegal - discrimination against orphans.

 

[ChrisUK]

Pmsl!.

 

[darren h]

invalid insurance if they find out your lying...i.e. is the car log book in your name?? bit strange if your only a name d driver lol.......

same as saying you got 5 no claims bonus, might aswell have your own policy and lie lol

 

[ChrisUK]

invalid insurance if they find out your lying...i.e. is the car log book in your name?? bit strange if your only a name d driver lol.......

same as saying you got 5 no claims bonus, might aswell have your own policy and lie lol

Have you read the thread properly?. What we are talking about is getting a policy out in your own name and adding someone / parent whos older as a named driver which is perfectly legal.

 

[Stu DemonD]

This has always been a good way to reduce premiums, nothing wrong with it - adding a named drivers tends to mitigate the risk, hence a lower premium in the majority of cases.

 

[Jai]

adding my name to mrs jais insurance lowered it, adding hers to mine would have raised it.....

 

[JFL]

adding my mums to mine lowered it by about £100, but she doesnt like driving manuals so never touches my car

adding my dad raised it, so i didnt put him on :devil:, i get to use his cars/vans though

 

[Rich_65402]

mines exactly the same with or without my parents 1 years NCB in June though should lower it a tad quinn are robin bastards

 

[Bayston]

with wuinn when i first went with them i thought i had added my dad but didnt so changed it with no effect on my policy i would have added my mum aswell but there was no way in hell she would drive my polo.

 

[Most Easterly Pandas]

I just got my car insurance with elephant for £700. It was ment to be £1100, but i put both my parents on the insurance which made it go down £200 per parents. And some people say parents are useless.

Is this £700 3rd party or fully comp?

 

[GhostWKD]

elephant quoted me £680 on my mr2 turbo 21 with 2yrs no claims on that policy

 

[mountainmachine]

This has always been a good way to reduce premiums, nothing wrong with it - adding a named drivers tends to mitigate the risk, hence a lower premium in the majority of cases.

Totally its worth checking to see whats what, adding my mum to my policy in my frist year of having my HGT insurance took 15% off, the 2nd year it made next to no difference, but having her as a named driver means she's fully comp for the times she drives it when her cars in the garage or we're sharing driving etc.

 

[lizardlace]

Its is TPFT

 

[mountainmachine]

Its is TPFT

Who's mine? No mines is fully comp, legal cover etc.

.....

Obviously with TPFT then parents etc all have third party cover anyway, but it should still reduce premiums, although not as much.