Simon_16v
Member
Registered: 14th Aug 06
Location: Yorkshire
User status: Offline
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Iv done an insurance quote on a 2005 Fiesta Zetec-S and got a quote back at £830 fully comp in my own name.
But this was with 1years NCB, but i've been a named driver since starting to drive. I know some of you have said the insurance dont check but what would my chances be with asking my insurance company if they would give me a years NCB?
Otherwise it's about £1400 
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Pete_vxl
Member
Registered: 24th Nov 06
Location: Lochgelly, Fife
User status: Offline
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i think they would say ''no'', only one way to find out though
[Edited on 26-08-2008 by Pete_macari]
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Rob R
Member
Registered: 31st May 03
Location: Kent
User status: Offline
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get a quote with the insurance company your a named driver with.
would prefer a 2001-2002 zetec s myself though
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Simon_16v
Member
Registered: 14th Aug 06
Location: Yorkshire
User status: Offline
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I've asked my mum to give them a ring to see if they'd give me one. If not ask if i'd get one if i was to start a policy in my own name. If not back on my mums policy for another year :-(
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dannymccann
Member
Registered: 9th Aug 06
Location: Doddington, Lincolnshire
User status: Offline
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If you are the main driver of a car and you are not insured as a main driver you could have invalid insurance when you need it most, its called fronting, google it if you want 
Also, going on your mums policy again (ignoring the possible illegalities) is not going to help you in the long run, as your insurance is always going to be expensive without no claims, unless you go on her policy until you are 30 or something
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Neo
Member
Registered: 20th Feb 07
Location: Essex
User status: Offline
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Could always give quinn-direct a call, and put down how long you have been a named driver. You get a hefty discount the longer you have been a named driver, and if more than 5 years its pretty much the same as a few years no claims.
Give it a crack
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Simon_16v
Member
Registered: 14th Aug 06
Location: Yorkshire
User status: Offline
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quote:
Originally posted by Neo
Could always give quinn-direct a call, and put down how long you have been a named driver. You get a hefty discount the longer you have been a named driver, and if more than 5 years its pretty much the same as a few years no claims.
Give it a crack
Cheers Neo, might give them a call soon. 
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mattk
Member
Registered: 27th Feb 06
Location: St. Helens
User status: Offline
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Im on my mums insurance, will be till I get caught to,
Its less risky on a standard car, I think questions start to be asked when you have a 50 yr old woman owning a modded saxo VTR and her young son always driving it round 
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John
Member
Registered: 30th Jun 03
User status: Offline
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They're not normally keen to have you on it anymore when you crash and lose their no claims 
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mattk
Member
Registered: 27th Feb 06
Location: St. Helens
User status: Offline
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my mum only has the 3 years no claims from when I started driving, she is a named driver on my dads car
she also has 3 points a ban 8 years ago and a crash 5 years ago
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John
Member
Registered: 30th Jun 03
User status: Offline
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The other issue is that for 3 years you have to put down the crash on both any insurance you get and any ones the parent does.
I've done it myself, just the pitfalls I came across.
When I got my own the prices quickly dropped.
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