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Author Help me with my insurance
will_doyle
Banned
Registered: 25th Nov 08
Location: Exeter
User status: Offline
24th Sep 09 at 19:17   View User's Profile U2U Member Reply With Quote
About to inusre my new car

corsa sport 1.6

Im 18 years old

my 1st car


I have been quotes £1400 (120 a month) for 3rd party fire and theft.


I have my mum as main driver


I said it will be kept on a drive way, which it will

any more tips

ta
Pop
Member
Registered: 8th May 03
Location: Reading
User status: Offline
24th Sep 09 at 19:18   View User's Profile U2U Member Reply With Quote
Yeah insure it properly
daymoon
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Registered: 1st Aug 08
Location: Selby, North Yorkshire
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24th Sep 09 at 19:20   View Garage View User's Profile U2U Member Reply With Quote
put something like 3k annual milleage.
will_doyle
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Registered: 25th Nov 08
Location: Exeter
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24th Sep 09 at 19:22   View User's Profile U2U Member Reply With Quote
quote:
Originally posted by Pop
Yeah insure it properly


what u mean by that?
Pop
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Registered: 8th May 03
Location: Reading
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24th Sep 09 at 19:23   View User's Profile U2U Member Reply With Quote
Is your mum really the main driver? What with it being your car.
will_doyle
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Registered: 25th Nov 08
Location: Exeter
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24th Sep 09 at 19:25   View User's Profile U2U Member Reply With Quote
quote:
Originally posted by Pop
Is your mum really the main driver? What with it being your car.



No
will_doyle
Banned
Registered: 25th Nov 08
Location: Exeter
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24th Sep 09 at 19:25   View User's Profile U2U Member Reply With Quote
whats wrong with putting her the main driver.. and me driving it 70% of the time?
Pop
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Registered: 8th May 03
Location: Reading
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24th Sep 09 at 19:26   View User's Profile U2U Member Reply With Quote
It'll void your insurance should you have a bump.
Mike
Organiser: North West and North Wales
Premium Member

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Registered: 20th May 06
Location: nr. Skipton, North Yorkshire
User status: Offline
24th Sep 09 at 19:26   View Garage View User's Profile U2U Member Reply With Quote
So that's what he means by insure it properly
Richardhhha
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Registered: 29th Sep 07
Location: Croydon, Greater London
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24th Sep 09 at 19:35   View User's Profile U2U Member Reply With Quote
how would it... little white lie about you just borrowed the car to go see the girlfriend or go down the shops and they wont know jack all..

i had to be insured as a named driver when i first got my car as it was just bloody horendos to insure it as me as the main driver..
Ollie_B
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Registered: 1st Jun 08
Location: North Wales/Wirral
User status: Offline
24th Sep 09 at 19:37   View User's Profile U2U Member Reply With Quote
True
ste_p23
Member
Registered: 29th Dec 08
Location: Hindley,Wigan
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24th Sep 09 at 19:38   View User's Profile U2U Member Reply With Quote
Get a job ,work hard, insure your car LEGALLY! and pay it like the rest of us! End of!
mantamark
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Registered: 19th Jun 06
Location: Northumberland
User status: Offline
24th Sep 09 at 19:44   View User's Profile U2U Member Reply With Quote
Fit security devices, cat 1 alarm & immobiliser.

Reduce annual milage (but stick to it or you will pay)

Get a smaller engined car.
Ben-B
Member
Registered: 28th Jul 08
Location: the lovely Nottingham
User status: Offline
24th Sep 09 at 19:53   View User's Profile U2U Member Reply With Quote
mention your in a car club/forum.
will_doyle
Banned
Registered: 25th Nov 08
Location: Exeter
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24th Sep 09 at 19:57   View User's Profile U2U Member Reply With Quote
quote:
Originally posted by Br.ANDO
mention your in a car club/forum.


yeah
Mike
Organiser: North West and North Wales
Premium Member

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Registered: 20th May 06
Location: nr. Skipton, North Yorkshire
User status: Offline
24th Sep 09 at 19:58   View Garage View User's Profile U2U Member Reply With Quote
quote:
Originally posted by Br.ANDO
mention your in a car club/forum.


Just don't mention which one, if they come on here and find you your insurance is likely to at least triple, plus they'll know you're the main driver
Richardhhha
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Registered: 29th Sep 07
Location: Croydon, Greater London
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24th Sep 09 at 20:03   View User's Profile U2U Member Reply With Quote
quote:
Originally posted by ste_p23
Get a job ,work hard, insure your car LEGALLY! and pay it like the rest of us! End of!


did all that and i still couldnt afford to pay for insurance in my name..

40h a week and only 8k a year as an apprentice is propper shite... took me a year to save enough to take my test i had that little money.

and when they ask for 2-3k to insure a corsa when your 21 live in a very bad area code and works as a vehicle aprentice
mantamark
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Registered: 19th Jun 06
Location: Northumberland
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24th Sep 09 at 20:24   View User's Profile U2U Member Reply With Quote
Then you should buy a lower group car.

You could use the same mentality if you said, yeh well, i had to rob the granny, she had more money than me, so its ok.

Its fine aslong as you dont crash, but if you do, you're proper fucked.
deano87
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Registered: 21st Oct 06
Location: Bedfordshire Drives: Ford Fiesta
User status: Offline
24th Sep 09 at 20:27   View User's Profile U2U Member Reply With Quote
By the way, if it's likely that if your mum is the main driver, it will have to be her name on the V5C (logbook). Also, if you have put a certain amount of No Claims Bonus on it because of the car she currently drives, this isn't transferable from policy to policy, unless it's cancelled on the other.

You see, this is where my advice for your first car comes in. Get one as low powered as possible, so that you can insure it legally.

I bet you tried running before you could walk, didn't you Will?

[Edited on 24-09-2009 by deano87]
will_doyle
Banned
Registered: 25th Nov 08
Location: Exeter
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24th Sep 09 at 20:29   View User's Profile U2U Member Reply With Quote
what is wrong with putting my mum on the log book?

btw.. I am getting sent the log book in 3 weeks.

can I still insure the car?

or not
deano87
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Registered: 21st Oct 06
Location: Bedfordshire Drives: Ford Fiesta
User status: Offline
24th Sep 09 at 20:32   View User's Profile U2U Member Reply With Quote
quote:
Originally posted by will_doyle
what is wrong with putting my mum on the log book?

btw.. I am getting sent the log book in 3 weeks.

can I still insure the car?

or not

If you have the new keeper supplement, yes you can.

Nothing wrong with putting your mum on the log book. Just it won't be your car

And don't even think about modifying the car. 1) you will need to declare the mods to the insurance company 2) the insurance company will almost certainly know it isn't your mums car.
will_doyle
Banned
Registered: 25th Nov 08
Location: Exeter
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24th Sep 09 at 20:34   View User's Profile U2U Member Reply With Quote
Ok, what is wrong with a 37 year old lady modifying a car?

lol


I dont know If I have the new keeper supplement
deano87
Member
Registered: 21st Oct 06
Location: Bedfordshire Drives: Ford Fiesta
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24th Sep 09 at 20:36   View User's Profile U2U Member Reply With Quote
lol
Richardhhha
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Registered: 29th Sep 07
Location: Croydon, Greater London
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24th Sep 09 at 20:43   View User's Profile U2U Member Reply With Quote
quote:
Originally posted by mantamark
Then you should buy a lower group car.

You could use the same mentality if you said, yeh well, i had to rob the granny, she had more money than me, so its ok.

Its fine aslong as you dont crash, but if you do, you're proper fucked.


1.4 gls 5dr extreamely low insurance groupe
has a thatchum cat 1 alarm & imob

and with stating it will only do 5k a year... insurance is rediculus end of

even now im 24 have 3 years ncb and the cars garaged (still the same car) it would have been 8 to 900 tpft

so insurance is totaly rediculus
will_doyle
Banned
Registered: 25th Nov 08
Location: Exeter
User status: Offline
24th Sep 09 at 21:07   View User's Profile U2U Member Reply With Quote
on go compare I got a quote for £1400 with quinn direct.. but when I go on quin directs site and get a quote its like £3000

which one is it?

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