would you/have you lied on insurance?

[dransy]

Quick question anyone ever lie or even thought about it on insurance .

Reason i ask is for my shitty 1.4 xsara i cant get a quote below 2.4k thats with 2 years ncb as an additional driver.

But if i say i have 2 years ncb as a main driver it knocks more than a grand of and brings it down to 1.2k!

Is it worth that little white lie to be able to afford my insurance?
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Being shot out of a cannon will always be better than being squeezed out of a tube. That is why God made fast motorcycles

[Knot600RR]

Good luck - you have to prove no claims via your previous insurer.

[Wafer_Thin_Ham]

No, if you have a whoopsie you'll get shafted with something like that.
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[Blau Zedong]

[dransy]

guess ill have to chop of my cock and grow some titties then
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Being shot out of a cannon will always be better than being squeezed out of a tube. That is why God made fast motorcycles

[Walloper]

[stinkwheel]

Other than the usual "Yes it's totally standard and unmodified.".

They usually ask for written comfirmation of your NCD though.
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“Rule one: Always stick around for one more drink. That's when things happen. That's when you find out everything you want to know.”
I did the 2010 Round Britain Rally on my 350 Bullet. 89 landmarks, 3 months, 9,500 miles.

[pits]

I was tempted once when I put the registration of my car in on the price comparison sites and it came up as a normal V6 Galant as opposed to a Legnum VR4, but the price when I went to a specialist insurer was £20 cheaper than the normal V6 Galant as opposed to the twin turbo one.
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Stinkwheel: You have no right to free speech
00:32:08 Blau Zedong: yes, i am a massive CB400 fan and collector
00:33:00 Blau Zedong: the CB400 is my favourite road bike

[Rogerborg]

[Robby]

Something that always confuses me is why young drivers are drawn towards cars that are cheap to run and tax, even though the insurance is so much higher on them.

Try getting a quote for a Jaguar XJ6 Sovereign 4.0. I had one, the renewal quote was £270. I sold it and bought a 1.1 Metro, which cost me £450 to insure. The cheap Jag quote came from a specialist classic car insurer, and they did cover fairly young drivers (definately down to 21, maybe lower) at reasonable prices. Found it one of the comparison websites.

It only did 15 to the gallon, but you would need to drive an awful lot of miles to make up the difference in the insurance price. Nice drive too, and a 4 litre engine is fun.

When I was 18 I had a few big old saloons - Merc 190E, BMW 320i, and a Ford Scorpio 2.3. The insurance was half the price of that on a hatchback because 18 year olds don't buy (and crash) big saloons.

Also look at medium 4x4s like the Land Rover discovery, Vauxhall Frontera (crap, but fun offroad), Suzuki Vitara. Often driven by school run mums or parents in general, so a different demographic.

Look at classic cars too. A girl I knew had an MGB at 18 on a classic policy. She didn't accrue any no-claims bonus, nor was it taken into account when getting a quote, but it did allow commuting.

Basically, look at the cost of car ownership opposite to most people. Your insurance is so unbelievably expensive that the purchase price of the car and depreciation, fuel and servicing costs, road tax and reliability need to be secondary factors.

[Poseidon]

According to my insurers I've been married since I was 19 (actually got married when I was 24). I gave the insurers details of a girl I knew as a named driver so that my insurance was a partner and spouse policy. Reduced my premiums from £1900 to £1150. I even had a couple of claims during that time and not once did they ever ask for proof of my marriage.
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1977 Honda CG125
2002 Ducati Monster S4 (currently restoring)

[Rogerborg]

Nice one. Heck, if push came to shove, you could buy yourself a nice little Indonesian bride for less than what you saved.
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Biking is 1/20th as dangerous as horse riding.
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[mysterious_rider]

[Walloper]

[AngelGrinder]

^^ exactly the point he was making, your talking about a sporty little hatchback, the kind of thing insurance rapes you for.

A couple of years ago, I was 19 and had a 3.0l manual Vauxhall Omega, insurance on it was cheaper than a 1.6 Astra. Just because a car in your eyes is a cheap little run around, doesn't matter to insurers, they all go by statistics.

Say in your town, 100 corsa's have been crashed in the past couple of years, the price to insure them goes up.

Yet, in the same town, a big engined estate car with 4 x the power etc only has 2 crashes on record, obviously the price is going to be lower...
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Currently Riding - 2002 Aprilia RSV1000 Mille

[st3v3]

@ the OP; they'll need proof from previous insurance to verify you NCB.

Tearing away from that I also don't get why so many young lads go for small shitty cars..

My 106 quotes are ~£1500 a year
When I quoted for my next car (4door 1.9TDi saloon) it comes in cheaper.. if I didn't love this lil pug so much and had the £1500 spare to buy a new car i'd have one tomorrow.
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Roger wrote: Women don't get damp for clingy puppies. Get some better happy pills, hit the gym & buy a medallion the size of a dinner plate. Job done

[Steve-D]

Agree with Robby.
Passed my test last year bought a 1.6 megane insurance £1500 quid, car was insurance group 5.
Got my 1st years no claims in July bought a Vauxhall Omega 3.0, insurance group 16 or 17 can't remember. Insurance 720 quid.
I can insure an M3 cheaper than I can insure a hot hatch like clio 172 or Civic type R, and I know which I would prefer.
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Tristan The said 'Dunno what my pace will be like, fastish slow puncture on the rear and if I go too fast I risk my 'keys' falling out'

[Im-a-Ridah]

[james1988]

Insurance is a pain in the arse. Unfortunately they have you by the balls and you can't do anything about it. You could risk it but could potentially end up in court for driving without insurance if the company decides you were outside it's terms this would then fuck you up big time. Just wait it out which is basically all you can do.

I'm 22 at the moment and I pay £600 a year fully comp on a 08 1.6 Fiesta ZS. I've got three years no claims. When I phoned them (Admiral) up about my renewal I was told to get stuffed when I asked for a discount. Looks like I've got it lucky compared to most though!

Always play insurance companies against each other. If for example one says they want £1800 and the next says £1500 play them against each other until you get a lower quote.

James

[st3v3]

[G]

How much bike no claims have you got?

A few companies will accept it; useful including ecar's monthly policy.
So you can get a month's policy, then provide that as no claims for a different company's car policy.

[st3v3]

For the record, a lot of people - if not the absolute majority lie, I can't say I've been absolutely truthful in my driving history but no company can prove whether me knowingly lying on a policy has taken place.

Bennetts recently took the piss over the modifications thing and I think maybe it only retracted because if they actually held their policy on the mods thing, they'd have only a very select few clients actually left.

when I insured the NS one year and they asked abuot mods I told them I'd changed some tarty fairing bit (i forget what) and the chaps words to me where "as long as it doens't increase performance of the vehicle we don't class it" - this is different to them saying they dont bother with it, because that means the terms are there they just choose not to act on certain clauses when it's convenient for them IE when they want policy money but change their minds when you have a crash.

'Not classing it' so is taken as they do not take aesthietic modifications as an ammendment to the vehicle which they are aware differs from the manufacturers spec.
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Roger wrote: Women don't get damp for clingy puppies. Get some better happy pills, hit the gym & buy a medallion the size of a dinner plate. Job done

[R6 Wilson]

Lied every single time

Never been found out so far, but did get stung when I declared 4 years NCB which I had, when they asked for proof and I could only prove 3 they shafted me with a £300ish charge. Twats
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Time is money so I stay late

[The999Kid]

nothing beyond the "my bike is completely standard" line... oh and the estimated yearly mileage i put on my policy was covered in less than a month...
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[Jayy]

I was 6 weeks away from getting my 3rd year NCB with my previous insurer. When I was getting quotes, MCE was coming up £100 cheaper with the 3rd year NCB so I asked them if they would honour it and they said no. My old insurers said they wouldn't issue the NCB until the policy expired.

I had to go with 2 years NCB and pay the extra £100. MCE asked for proof of it and I forgot to send it. Still haven't sent it and they still haven't asked for it. Every now and again I check on askMID to make sure it's not been randomly cancelled on me and it's not.

I wish I had just lied and said I had it.