MikeLamb
Member
Registered: 23rd Sep 03
Location: Crowthorne Drives: Veccy SRI
User status: Offline
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http://www.cis.co.uk
been with them for 2 years, 19 on monday and just got my renewal.
Policy in my mums name
2.2 DTI SRI Vectra
ANYONE can drive it fully comp as long as they can legally drive (even on a provisional) anywhere including europe.
European breakdown cover included for free
Protected no claims so I can have up to 3 complete write offs in 3 years and it wont affect the premium and I can still keep the no claims bonus, just have to pay the excess.
Can mod as much as i want as long as it doesnt affect performance
£1056
cant get much better than that!
[Edited on 17-08-2005 by MikeLamb]
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Martin
Member
Registered: 15th Mar 04
Location: Dumpstable Drives: Aztec Sxi
User status: Offline
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in your mums name? so you cant drive to work/college legally then. COOL!
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Martin
Member
Registered: 15th Mar 04
Location: Dumpstable Drives: Aztec Sxi
User status: Offline
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And, (correct me if im wrong please) but your mum must drive the car at least %51 of the time. So if u get pulled over lots (fog lights on, driving like a twat) you'll get ruined.
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langey
Member
Registered: 7th Sep 03
Location: Wigan
User status: Offline
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and if its in your mums name, it wont be your NCB anyway, you'll still have fuck all NCB to show at the end of it 
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AndyW
Member
Registered: 28th Oct 02
Location: Greater London
User status: Offline
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cis are totally shit!
i had my car rammed and broken into in march! after months of battleing and nonsence after they trying to say they want to charge us because cars in my name but insured under dads etc... it finally went in for bodywork n radio last week!
5months!!! and it only got sorted because i sorted out all the paper work and estimates etc myself!  then got a phonecall on monday saying that they wanna send ANOTHER assesor down because they have lost the paper work from the original one!
they are crap, unhelpful, unco-operative and incompliant!
Wankers
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MikeLamb
Member
Registered: 23rd Sep 03
Location: Crowthorne Drives: Veccy SRI
User status: Offline
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quote:
Originally posted by Martin
in your mums name? so you cant drive to work/college legally then. COOL!
uuum, yes I can
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Martin
Member
Registered: 15th Mar 04
Location: Dumpstable Drives: Aztec Sxi
User status: Offline
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quote:
Originally posted by langey
and if its in your mums name, it wont be your NCB anyway, you'll still have fuck all NCB to show at the end of it
which was my next point 
So yeah, they must be the best insurance company in the world 
I'm an Elephant fan myself
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MikeLamb
Member
Registered: 23rd Sep 03
Location: Crowthorne Drives: Veccy SRI
User status: Offline
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quote:
Originally posted by Martin
And, (correct me if im wrong please) but your mum must drive the car at least %51 of the time. So if u get pulled over lots (fog lights on, driving like a twat) you'll get ruined.
Dont drive like a twat and dont have my foglights on unless foggy, have never been pulled
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Martin
Member
Registered: 15th Mar 04
Location: Dumpstable Drives: Aztec Sxi
User status: Offline
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quote:
Originally posted by MikeLamb
quote:
Originally posted by Martin
in your mums name? so you cant drive to work/college legally then. COOL!
uuum, yes I can
ummmm, no you cant.
Read the small print. Then you'll realise its ghey. More and more companies are stopping it now, coz too many ppl are going under rents names.
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langey
Member
Registered: 7th Sep 03
Location: Wigan
User status: Offline
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quote:
Originally posted by MikeLamb
quote:
Originally posted by Martin
in your mums name? so you cant drive to work/college legally then. COOL!
uuum, yes I can
when your insured as a named driver, this means your not supposed to be the main driver, it means your only supposed to "borrow" the car to nip out to odd places and such like, not drive it all the time, and only use your mum on it to get the price down 
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MikeLamb
Member
Registered: 23rd Sep 03
Location: Crowthorne Drives: Veccy SRI
User status: Offline
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quote:
Originally posted by langey
and if its in your mums name, it wont be your NCB anyway, you'll still have fuck all NCB to show at the end of it
have a 1.2 8v insured in my name, have the no claims off that, insurance costs fuck all. Even combining the 2 policies I get to drive a decent car for not a lot of money
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Martin
Member
Registered: 15th Mar 04
Location: Dumpstable Drives: Aztec Sxi
User status: Offline
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quote:
Originally posted by MikeLamb
quote:
Originally posted by Martin
And, (correct me if im wrong please) but your mum must drive the car at least %51 of the time. So if u get pulled over lots (fog lights on, driving like a twat) you'll get ruined.
Dont drive like a twat and dont have my foglights on unless foggy, have never been pulled
well thats lucky. i'd get pulled all the time if i was 19 driving a 2.2vecy.
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MikeLamb
Member
Registered: 23rd Sep 03
Location: Crowthorne Drives: Veccy SRI
User status: Offline
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quote:
Originally posted by AndyW
cis are totally shit!
i had my car rammed and broken into in march! after months of battleing and nonsence after they trying to say they want to charge us because cars in my name but insured under dads etc... it finally went in for bodywork n radio last week!
5months!!! and it only got sorted because i sorted out all the paper work and estimates etc myself! then got a phonecall on monday saying that they wanna send ANOTHER assesor down because they have lost the paper work from the original one!
they are crap, unhelpful, unco-operative and incompliant!
Wankers
Sorry to hear that, but surely the car should be in your dads name, mine is in my mums
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vincefenlon
Member
Registered: 16th Nov 04
Location: Dunstable, Bedfordshire
User status: Offline
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plus you have a financial interest in it so im pretty sure its a void, they could even do some observation to see who drives the car, has been done on others. My 1st year was on my mums but now on my own and saving loads so when i come to 21 and get a lil jap car it wont be sky high.
actually not every1 can drive it, its anyone incl. named drivers under 21. as i have been with cis before when i was 17.
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AndyW
Member
Registered: 28th Oct 02
Location: Greater London
User status: Offline
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quote:
Originally posted by langey
quote:
Originally posted by MikeLamb
quote:
Originally posted by Martin
in your mums name? so you cant drive to work/college legally then. COOL!
uuum, yes I can
when your insured as a named driver, this means your not supposed to be the main driver, it means your only supposed to "borrow" the car to nip out to odd places and such like, not drive it all the time, and only use your mum on it to get the price down
you laugh but for alot of people this is the only way they can afford to get insured! im 20 noNCB and 3points i cant get insured under 1900. i cant afford that atm! where as on mums name i get quotes of 400!
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MikeLamb
Member
Registered: 23rd Sep 03
Location: Crowthorne Drives: Veccy SRI
User status: Offline
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quote:
Originally posted by vincefenlon
plus you have a financial interest in it so im pretty sure its a void, they could even do some observation to see who drives the car, has been done on others. My 1st year was on my mums but now on my own and saving loads so when i come to 21 and get a lil jap car it wont be sky high.
actually not every1 can drive it, its anyone incl. named drivers under 21. as i have been with cis before when i was 17.
That may be the case for you policy, but not mine. Ive read the small print and ive asked.
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langey
Member
Registered: 7th Sep 03
Location: Wigan
User status: Offline
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quote:
Originally posted by AndyW
quote:
Originally posted by langey
quote:
Originally posted by MikeLamb
quote:
Originally posted by Martin
in your mums name? so you cant drive to work/college legally then. COOL!
uuum, yes I can
when your insured as a named driver, this means your not supposed to be the main driver, it means your only supposed to "borrow" the car to nip out to odd places and such like, not drive it all the time, and only use your mum on it to get the price down
you laugh but for alot of people this is the only way they can afford to get insured! im 20 noNCB and 3points i cant get insured under 1900. i cant afford that atm! where as on mums name i get quotes of 400!
i only laffed coz i've been there and done it, i was insured as my dads wife tho and was paying 33quid a month fully comp on a rover then 6months later i got a corsa, and when my dad asked is my son still on it, they were confused and said we have your wife on it . then i had to pay 130quid a month  lol.
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Martin
Member
Registered: 15th Mar 04
Location: Dumpstable Drives: Aztec Sxi
User status: Offline
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***ignore that, i got confused with names***
VINCE, meet me tonite, i have money?
[Edited on 17-08-2005 by Martin]
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ssj_kakarot
Member
Registered: 29th Apr 03
Location: hartlepool
User status: Offline
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yeah for some people this is the only way they can insure a car, ive been with cis on my dads name since i started driving about 2 and a half years ago at 17. it was an easy decision to make really pay well over £1000 think the cheapest quote i got was hmmmmm £1350 for my 1.2 ls corsa or pay £218 a year on my dads hmmmmmm well this was the only way i could afford to insure the car as im a student with a crappy part time job. i dont see the harm in it, ive had a few cars with them now never crashed and dont drive like an idiot, have been pulled and asked for a producer, took the document to the police station and the couldnt have given a shoot if it was in my dads name or not. so yes i can drive to college/work legally thank you very much and over the years it must have saved me a few grand.
plus when im older ill get my own policy and there are companies around that will give you no claim bonus if you have been a named driver, yes i know this for certain as my mam used to be on my dads policy and then got her own with 4 years no claims so this does exsist.
so laugh all you want and say its shoot whatever but its saved me a packet and meens i can get insured on a decent car when im still young-ish
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langey
Member
Registered: 7th Sep 03
Location: Wigan
User status: Offline
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quote:
Originally posted by ssj_kakarot
yeah for some people this is the only way they can insure a car, ive been with cis on my dads name since i started driving about 2 and a half years ago at 17. it was an easy decision to make really pay well over £1000 think the cheapest quote i got was hmmmmm £1350 for my 1.2 ls corsa or pay £218 a year on my dads hmmmmmm well this was the only way i could afford to insure the car as im a student with a crappy part time job. i dont see the harm in it, ive had a few cars with them now never crashed and dont drive like an idiot, have been pulled and asked for a producer, took the document to the police station and the couldnt have given a shoot if it was in my dads name or not. so yes i can drive to college/work legally thank you very much and over the years it must have saved me a few grand.
plus when im older ill get my own policy and there are companies around that will give you no claim bonus if you have been a named driver, yes i know this for certain as my mam used to be on my dads policy and then got her own with 4 years no claims so this does exsist.
so laugh all you want and say its shoot whatever but its saved me a packet and meens i can get insured on a decent car when im still young-ish
and the company your mum is with, can she have a fast car? modded car? doubt it same with you to when your older.
i thought insurance companys was stopping doing that anyway so they didnt get loads of people going on there rents insurance hen coming along and saying they have x amount of NCB.
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MikeLamb
Member
Registered: 23rd Sep 03
Location: Crowthorne Drives: Veccy SRI
User status: Offline
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this is i have the corsa, i get the no claims from the corsa for almost no money and get to drive a nice car when young  whats the harm in that? When im 21 ill sell the corsa and will still have 3 years no claims to put a fast car in my own name!
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bwbw
Member
Registered: 14th Feb 05
Location: Glasgow
User status: Offline
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quote:
Originally posted by Martin
quote:
Originally posted by MikeLamb
quote:
Originally posted by Martin
And, (correct me if im wrong please) but your mum must drive the car at least %51 of the time. So if u get pulled over lots (fog lights on, driving like a twat) you'll get ruined.
Dont drive like a twat and dont have my foglights on unless foggy, have never been pulled
well thats lucky. i'd get pulled all the time if i was 19 driving a 2.2vecy.
not really as I have a mate who is 18 n drives a Audi A4 1.8T
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MikeLamb
Member
Registered: 23rd Sep 03
Location: Crowthorne Drives: Veccy SRI
User status: Offline
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quote:
Originally posted by bwbw
quote:
Originally posted by Martin
quote:
Originally posted by MikeLamb
quote:
Originally posted by Martin
And, (correct me if im wrong please) but your mum must drive the car at least %51 of the time. So if u get pulled over lots (fog lights on, driving like a twat) you'll get ruined.
Dont drive like a twat and dont have my foglights on unless foggy, have never been pulled
well thats lucky. i'd get pulled all the time if i was 19 driving a 2.2vecy.
not really as I have a mate who is 18 n drives a Audi A4 1.8T
Yea, Im 18, not 19 till next week and havent been pulled. Had the car since march! Just dont draw attention to yourself or drive like a dick
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scoob
Premium Member
Registered: 16th Oct 03
Location: Beverley, E Riding of Yorkshire
User status: Offline
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im 19 driving a wrx impreza neva been pulled just dont drive like a tit
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p4uls corsa
Member
Registered: 2nd May 05
Location: BRADFORD
User status: Offline
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not been funny but if u cant afford to insure mot tax a car u should nt have a car .
ur insurance would be void if u was in an accident and they asked ur neighbours who drives the car most
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