truman69
Member
Registered: 12th Jan 06
Location: mansfield, notts
User status: Offline
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under my mum ive just got quote 4 a 1999 106 gti TPFT my mum mian driver 1041 not bad 2 say am 19 or bout 2 turn 
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Robin
Premium Member
Registered: 7th Jan 04
Location: Northants Drives: Clio 182 Cup
User status: Offline
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fronting is technically illegal.
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Neo
Member
Registered: 20th Feb 07
Location: Essex
User status: Offline
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any no claims?
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truman69
Member
Registered: 12th Jan 06
Location: mansfield, notts
User status: Offline
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none
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truman69
Member
Registered: 12th Jan 06
Location: mansfield, notts
User status: Offline
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quote:
Originally posted by Robin
fronting is technically illegal.
why? my mum would use the car she drives my car now i use my car get 2 college go work sumdays and if am going out and my mum uses the car 4 work and going out so its not like am usein the car 100% mum porbs uses more than me which makes her main driver
or does it not work like that?
[Edited on 21-03-2007 by truman69]
[Edited on 21-03-2007 by truman69]
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Neo
Member
Registered: 20th Feb 07
Location: Essex
User status: Offline
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try using quinn-direct...cheapest i found !!
And that was with no - no claims
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Robin
Premium Member
Registered: 7th Jan 04
Location: Northants Drives: Clio 182 Cup
User status: Offline
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Basically, you'd be buying a car, insuring in your mums name with you as a named driver, then driving the car lots.
Insurance companies don't like that.
I did it, but if you crash, they might get funny over it...
And you don't build any no claims, which you'll regret (like I am) in the future.
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truman69
Member
Registered: 12th Jan 06
Location: mansfield, notts
User status: Offline
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i see what your saying but 4 young drivers sometimes its the only way to get the cars we want i workd hard 2 get a 1.4 sport 4 my 1st car 2 b killed by insureance so i went under my dad
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deano87
Member
Registered: 21st Oct 06
Location: Bedfordshire Drives: Ford Fiesta
User status: Offline
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lol don't get such a powerful car then.
12v's or 1.2 8v's are they way forward for sub-20's.
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Cupra Steve
Banned
Registered: 7th Nov 06
User status: Offline
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I'm 19 and my 106 is £800 TPFT in my own name.
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Robin
Premium Member
Registered: 7th Jan 04
Location: Northants Drives: Clio 182 Cup
User status: Offline
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I wouldn't say that Deano 
It's just a case of getting no claims as soon as you can, you might struggle a bit now, but in a years time, you'll be happy that you did it.
And crashing and losing your mum's NCB wouldn't please her 
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Cupra Steve
Banned
Registered: 7th Nov 06
User status: Offline
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agree with Robin, i ended up with no choice but to go under my mums insurance when i was 17 with my astra as no one would give me a cheap price, ended up paying the same as i did on my first car that was insured in my own name and never had any NCB, now building it up on 10 month bonus accelerators!
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Miles_SXi
Member
Registered: 21st Aug 06
Location: Yate, Bristol
User status: Offline
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Go on Direct Line or Tesco... they offer all named drivers no claims! 
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truman69
Member
Registered: 12th Jan 06
Location: mansfield, notts
User status: Offline
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quote:
Originally posted by Cupra Steve
I'm 19 and my 106 is £800 TPFT in my own name.
with just you any named drivers?
any NCB?
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danward
Member
Registered: 14th Nov 06
Location: Northants Drives: C Exclusiv
User status: Offline
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I can't wait till my first years no claims knocks my insurance down! The insurance company said it would decrease mine by about £800!!
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jay kay
Member
Registered: 22nd Jan 06
Location: West Midlands
User status: Offline
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im paying 395 for mine 2nd driver better than 1200 i was being asked to pay for being first driver.
1.2 8v btw
[Edited on 21-03-2007 by jay kay]
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James_DT
Member
Registered: 9th Apr 04
Location: Cambridgeshire
User status: Offline
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quote:
Originally posted by truman69
i see what your saying but 4 young drivers sometimes its the only way to get the cars we want i workd hard 2 get a 1.4 sport 4 my 1st car 2 b killed by insureance so i went under my dad
Young drivers need to accept that they sometimes have to have something shit for the first couple of years. Insurance companies have reason to sting younger drivers because a lot of them drive like their arse is on fire and cause accidents. I'm not saying it's all young drivers, or that you're going to, but that's how it is.
Also, a lot of insurance companies can be funny if the person who's name is on the policy isn't the registered keeper. DirectLine wouldn't let either of my parents insure my car in their name when I was in my first year of Uni, so I had to take it off the road until I could bring it with me.
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John
Member
Registered: 30th Jun 03
User status: Offline
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Were you trying to insure under your mum and dads name at one address while saying it would be parked wherever you go to uni?
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James_DT
Member
Registered: 9th Apr 04
Location: Cambridgeshire
User status: Offline
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Nope. It was to be insured as being at their address while being left there so that they could drive it. I wasn't having it insured in my name if I wasn't driving it, and the halls I was in didn't have a car park.
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Cupra Steve
Banned
Registered: 7th Nov 06
User status: Offline
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quote:
Originally posted by truman69
quote:
Originally posted by Cupra Steve
I'm 19 and my 106 is £800 TPFT in my own name.
with just you any named drivers?
any NCB?
Mum as a named driver, 1 years NCB,
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STEvieXE
Member
Registered: 21st Jan 03
Location: Ballymena N.I.
User status: Offline
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dont agree with the go out on your own name straight away thing...
i did this to build up some no claims of my own, bought my corsa new (sxi) with 2 years free insurance, the 3rd year i paid 2400 for a years insurance, my insurance steadily came down year by year until now with full no claims i pay 360
my mate went under his dads name till he was 21 paying maybe 500 odd over his dads policy, when he was 21 he got a vts insured on his own name first time insurance for 1k.. ridiculous when i paid 2400 on a 1.2 corsa with 2 years no claims (which my insurance deal did)
stay under someelse name till ur 21 imo
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Simon_16v
Member
Registered: 14th Aug 06
Location: Yorkshire
User status: Offline
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quote:
Originally posted by STEvieXE
stay under someelse name till ur 21 imo
I like your thinking.
£820 FC on a 1.6 16v sport in september
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Rachel H
Member
Registered: 12th Nov 03
Location: Berks
User status: Offline
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I love Diamond
Me & Rach insured on the VXR, her 21 me 24 her obviously main driver £900 quid fully comp, and for the Corsa GSi they mirrored her NCB onto that car with me and her again that cost £300 a year
They are ace, always excellent to deal with and excellent in claim situations as Rach found out when someone drove into her old Corsa, they cover modifcations as well.
And I have a NCB building up on the Nova and my Corsa so its ace
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