Insurance for car

[The Artist]

I want to get insurance on my mums car but as I am 19 and have just passed my test it is going to cost a fortune.

A quick quote says to add me as a second driver, it will cost 2.5k a year and just me as a driver on my own is 1.8k.

Is there any known way of lowering this at all? It has to be 2 drivers minimum. My mum pays £240 a year at the moment, tpft.

Can I get insured for a month? I know I could before I did my test but now it doesn't seem possible.

[dogbot]

How much?

Jeez, that's a rip off. I can remember being really pissed about paying a grand when I was 17!!

How to lower it: shop around, raise the voluntary excess. Pray?

[The Artist]

Excess is only for fully comp.

[bikertomm]

Confused.com

TPTF

Mum as main driver you as additional, make sure you have entered any no claims your mum has got and protect them, pray to god that admiral comes up in the cheapest, they offer admiral only no claims bonus to named drivers.

Which means next year if you want to go onto your own policy (with admiral) you can say you have a years no claims.

I know this because it's exactly what I'm going through now! I'm 17 and have a quote for £890 on a 1.4.

Oh yeah and third party fire & theft comes up cheaper than third party only....

You now owe me about (hopefully) a grand or more

Hope this helps!
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07' Honda Hornet now full powaah! My guide on performing an oil change!

[SpicyBlimp]

Try admiral / elephant, they seem to come up quite cheap for younger drivers atm

[pits]

Just remember if you are the main user of the car and not your mum, you are fronting, or committing insurance fraud, you wont be legally be insured in the event of an accident, or being pulled by the Police as they are checking these days.

If you do front you will have your policy cancelled/revoked and find getting insurance later on a complete arse, so ignore what bikertomm has said as that is fronting, the way he has written it and of course his thread on it, points to him fronting, hopefully he gets caught for it as well, as if he is the main driver but has listed his mum as the main driver he most likely will.


Don't take advice of someone telling you to put your mum or dad as a main driver when they clearly wont be the main driver, you will not be insured, and when you get caught or have an accident you will get royally fucked for it, policy will be revoked, potential fine/prison for fraud, of course 6 points/ban for no insurance.

And it isn't a case of the insurance company proving that you are the main driver, they don't have to, they are insurance companies they will make their own decision and wont pay out.


What you need to do
Pass Plus saved me £130 when I did it years back
You as main policy holder and main user of the vehicle
Add your mum as a named driver
Add your dad as a named driver
Mileage be honest, 8,000 is a good guesstimate
Value of car seems to make little difference


If you are going on as a named driver for occasional use, then what I did was stay off the policy until I needed to borrow the car, then I was added to the policy for a week, or a few days, most insurance companies will do this IIRC.

But please don't front.

[bikertomm]

Pits, I do genuinely share this car with my mum & dad and am not the main driver, so I'm not committing fraud at all.
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07' Honda Hornet now full powaah! My guide on performing an oil change!

[chris-red]

For me

TPO cover on a Volvo T5 Estate,

£3500

TPFT cover, more expensive surely...

£3100

Add my Dad to the policy as a named driver, more expensive right? adding another driver.

£2500

Changing parking from on the drive to on the road.

£2400

Adding my mum to the policy as well

£2200

Lost another £100 by changing my job.

Check here https://www.moneysavingexpert.com/insurance/car-insurance-job-picker/
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[iooi]

[pits]

[The Artist]

[The Artist]

[Clanger]

Well I have been driving for over 20 years now, I have had my own insurance all that time...I drive a small insurance group car, I have never claimed for a car accident, I've never caused an accident, I have no convictions on my licence, I live in a rural area and yet this year my insurance has leapt up £100 since last year.

To bring it down to a reasonable rate, I have just upped the voluntary excess (which scraped about £85 off).

But it is ridiculous, and it's getting worse. I heard on the radio it's because more and more people are suing for tiny accidents, minor stuff that would have ordinarily been sorted out between drivers in the past and not gone through the courts. The whole no win no fee vultures are making the money...and we are suffering the repercussions in our policies.
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Be who you are and say what you feel, because those who mind don't matter, and those who matter won't mind - Dr. Seuss

[ms51ves3]

[Wafer_Thin_Ham]

[johnsmith222]

[Kwaks]

[AC]

I have just been sorting my car insurance out, and have found that it is more expensive (by around £200) to insure the car TPFT rather than fully comp no i am officially confused.

Only looked by chance as i am going to be selling the car very shortly(not replacing as emigrating) and didnt want to fork out top whack for insurance when i wouldnt get it all back

[Wafer_Thin_Ham]

[Kwaks]