V711 JCK
Member
Registered: 23rd Apr 02
Location: Harpenden
User status: Offline
|
Does anyone know if say i use a company like elephant, and they quote me 1800 (0 NCB driving for 2 years and good area) for fully comp, would i be right in saying if i was covered by the same company under my dads name that this quote would be far less than 1800 as quoted on my own? I cant see how a company can justify insuring a person on his/her own at a lower cost than if the person was to be covered under a parents name... can anyone help me please???? would there be a difference in quoting online and over the phone? im just asking because if they give me a rediculously high qoute under my dads name, would it be worth telling them why it would be if they were able to quote me less under my own name...
(sorry for the long post!)
Cheers,
Dom
[Edited on 17-01-2005 by V711 JCK]
|
liamC
Member
Registered: 28th Feb 04
User status: Offline
|
Youre classed as second driver on your dads, as opposed to being first driver on your own meaning youre not supposed to be using the car as much and have lesser chance of having an accident as youre not using the motor as much.
There is a difference online as to over the phone if youre doing it on your own insurance. Some companies give you 10% off for buying online, Tesco, Liv Vic etc
[Edited on 17-01-2005 by liamC]
|
V711 JCK
Member
Registered: 23rd Apr 02
Location: Harpenden
User status: Offline
|
but then y wud i be paying less being under his name at the moment, it just dont work out... i do understand, but then y have they already quoted cheaper by me being insured under my dads name at the mo????
|
liamC
Member
Registered: 28th Feb 04
User status: Offline
|
Youre paying less under his name because youre not supposed to be driving the car as much. You're on as second driver.
|
V711 JCK
Member
Registered: 23rd Apr 02
Location: Harpenden
User status: Offline
|
yeh then if i ask for a quote tomoz on the new car, it shud be less than the quote they give me on the car under my own name am i right? As i am supposed to use the car less... :s
|
liamC
Member
Registered: 28th Feb 04
User status: Offline
|
Correct. It should be definetly lower if you go on your dads insurance. Downside is you dont build up your no claims bonus this way..
|
V711 JCK
Member
Registered: 23rd Apr 02
Location: Harpenden
User status: Offline
|
i know, but its up to them, so ive been quoted 1800 by elephant, and if i call them tomoz to be insured under my dads name, they will/should quote me less than 1800???? I bet they say something like 2500!!! one company qouted me under my dads name for 5000!!!!
|
James_DT
Member
Registered: 9th Apr 04
Location: Cambridgeshire
User status: Offline
|
Yes, some companies only want certain clients, so charge the ones they don't want an arm and a leg to stop them taking up a policy.
|
V711 JCK
Member
Registered: 23rd Apr 02
Location: Harpenden
User status: Offline
|
has anyone got ideas for good insurers???
|
liamC
Member
Registered: 28th Feb 04
User status: Offline
|
Take your pick from the list..
http://www.corsasport.co.uk/board/viewthread.php?tid=170986
doubt youre guna get anything near to what you want mind mate..
|
V711 JCK
Member
Registered: 23rd Apr 02
Location: Harpenden
User status: Offline
|
sadly, i kno, the cheapest so far was elephant, but im hoping for somthing cheaper under my dads name...
|
