Not from what he's said, car is registered in HIS name, yet his dad is down as main user, and his dad is using his NCD against it dispite his dad having his own car.
General Insurance...
- Thread starter vFez12
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General Insurance...
Not from what he's said, car is registered in HIS name, yet his dad is down as main user, and his dad is using his NCD against it dispite his dad having his own car.
howardsam95
Member
It is admiral Multicar which allow shared user when selecting drivers on vehicles. I was going to pay £1000 for it, but decided to see what happened if i put mum and sister on there on their license. and it dropped by £300, by having 2 provisional insured drivers on there.
thanks S and B - there are two things i look for in a car... looks and sound (both inside and out) and that is the reason for my choice of next car. I know to drive sensibly in rain and wet conditions and take it easy. Also in the snow and ice i never got stuck once and manage to get to work. Never lost control of the car once, just wish i had ABS for roundabouts
thanks S and B - there are two things i look for in a car... looks and sound (both inside and out) and that is the reason for my choice of next car. I know to drive sensibly in rain and wet conditions and take it easy. Also in the snow and ice i never got stuck once and manage to get to work. Never lost control of the car once, just wish i had ABS for roundabouts
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howardsam95
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Yeah and i don't plan on doing this forever. I have no problem with paying £1400, but when i get my next car (hyundai coupe 2.0) i know insurance will be high for myself. I will start my own policy when i am in full time work and been driving atleast 2 years, only then is it a resonable price.
You can debate insurance forever, but the fact of that matter is, you won't change my opinion, and there is no way i am going to change yours. Everyone has their opinion, and i may be in the right or wrong, but im not giving up a life i enjoy because insurance company wants to take a third of my yearly wages
You can debate insurance forever, but the fact of that matter is, you won't change my opinion, and there is no way i am going to change yours. Everyone has their opinion, and i may be in the right or wrong, but im not giving up a life i enjoy because insurance company wants to take a third of my yearly wages
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No option for that when I had an admiral multi car policy for 2 years up until May just gone.
Someone will be specified as a main driver, and the others as addition / named / ocassional drivers.
i still cant find no shared user policy either by doing a quote or here http://www.admiral.com/car-insurance/your-policy/policy-books.php
can you post up a scan or photo of your certificate? because if you are right then evey one may as well take out the same policy
howardsam95
Member
On the certificate it has my dads name as policy holder - correct
and drivers permitted to drive - the 4 drivers on the policy are all in the same category, no mention of any main, or named drivers. All 4 drivers are all described in the same way.
Although i may be deemed as "additional" driver, with me and my dad doing 50/50 mileage there is no issue with this insurance deeming it invalid?
and drivers permitted to drive - the 4 drivers on the policy are all in the same category, no mention of any main, or named drivers. All 4 drivers are all described in the same way.
Although i may be deemed as "additional" driver, with me and my dad doing 50/50 mileage there is no issue with this insurance deeming it invalid?
howardsam95
Member
I have sat in one, and i like the driving position very similar to my friends toyota celica, i havent got round to driving one yet, but i will before i make my final decision.
I know the ride is very hard, but my commute doesn't have too many pot holes
And the car sounds great, " youtube "
for the insurance cost of vehicle i think it is one of the best sounding
I know the ride is very hard, but my commute doesn't have too many pot holes
And the car sounds great, " youtube "
for the insurance cost of vehicle i think it is one of the best sounding
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GP Sporting & Coupe 20V Turbo on a multicar policy for £1100 a year at 26 :slayer: 
.
Play it by the book and build up the no claims it more than out-ways the few hundred quid saved fronting insurance.
.Play it by the book and build up the no claims it more than out-ways the few hundred quid saved fronting insurance.
howardsam95
Member
Chris i completely agree!
But when the insurance is 4 times as expensive?
If it was just a case of a few hundred pound, of course i would love to build up my own NCD, but i cant warrant a further £2100 for which i have nothing to show for.
Thats £2100 can be spent on modding or a nicer car
Sam
But when the insurance is 4 times as expensive?
If it was just a case of a few hundred pound, of course i would love to build up my own NCD, but i cant warrant a further £2100 for which i have nothing to show for.
Thats £2100 can be spent on modding or a nicer car
Sam
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By all means be a named driver but make sure you do drive the car less than the other driver or you could be in the s***. They are wise to it now. it's quite obvious from the personal possessions in the car who uses it the most.
£2100 can be spent a lot better things than modding believe me. Your young use it to go on a holiday somewhere nice and smash as many birds as you can .
£2100 can be spent a lot better things than modding believe me
. Your young use it to go on a holiday somewhere nice and smash as many birds as you can .
You can have a pretty respected car without going mad and still get good insurance deals, I had a mondeo when I was 19 went like the clappers and cost £500 a year to insure, I had a 2.0 model 4x4 a rangerover and a saab 900 through out my 20s non of which cost me over £550 to insure, now in my 30s I'm paying naff all £250 ish for my punto, I did a quote about a year ago and posted the result on here something like £1200 for a Ferrari 430
I also have points and an accident on file but what I don't have is things like fancy alloys spoilers induction kits etc
That's why I always say buy a faster better car rather than playing about with small engined puntos
I also have points and an accident on file but what I don't have is things like fancy alloys spoilers induction kits etc
That's why I always say buy a faster better car rather than playing about with small engined puntos
OP
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Honestly, when i was at college my grandad brought me my Classic Mini which he was the owner and i was a named driver as i used it to get me to college, we did the same with my clio, i then got a job and used the clio alot more than he did, then on september the 24th... **** got serious and i crashed the clio aswell as writing off 2 other vehicles... we then had the threat of being done for fraud aswell as a void policy as the clio had been modified without declaring... Luckily! it all went in my favour but ive learnt the hard way! and trust me i will Never be doing anything like that again! its actually worked out better as im actually building up NCB this time instead of named driver, i know its cheaper to start with but in the long run it will be cheaper
Liam
Liam
MEvans2104
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If they were decent mates they would wait for u.. if not your better off cruising at ur own speed, a punto is a slow car, my gilera vxr200 was quicker and thats a scooter lol.
I'm 22, been driving 5 years, had one accident, I just paid £610 for the year on my 1.2 Go!, Thats TPFT, my 2.3L Land Rover was about £500 Fully Comp.
Small cars mate. I'm with Elephant on the Punto, but with the Landie I was with Adrian Flux. Maybe try a small local firm where you can walk in, sit down with a coffee and do buisness?
Small cars mate. I'm with Elephant on the Punto, but with the Landie I was with Adrian Flux. Maybe try a small local firm where you can walk in, sit down with a coffee and do buisness?
OP
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Yeah, feel like a ****, im the most modified car but the slowest... Low and slow baby!
OP
OP
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yeah with 1 year no claims it goes from £250 a month down to £110
all mods declared! altho it will probably be more modded by then haha! yeah with 1 year no claims it goes from £250 a month down to £110
It's cheaper to do it yearly. I'd have had 5 years ncb :-(. Lost 2.
