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Jan 14th, 2020
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Any tips?
#134178
16/06/2006 23:45
16/06/2006 23:45
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Anonymous
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Anonymous
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Hi, im 19 and ive just got a fiat coupe 16V as my first car  evrybody thinks im daft but its always been the car ive wanted since my dad had one years ago, and i got it at a really good price  Ive been looking for insurance and the cheapest ive had is £4500 by bell. most comapnies are quoting crazy prices or rejecting me because im not over 25. Any help is appreciated 
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Re: Any tips?
#134179
16/06/2006 23:55
16/06/2006 23:55
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Joined: Dec 2005
Posts: 12,546
Northumberland
AndrewR
I AM a Coop
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I AM a Coop
Joined: Dec 2005
Posts: 12,546
Northumberland
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Try putting your mum on the policy as a named driver, that should bring it down a bit. You could also try increasing the voluntary excess and dropping down to third party only insurance.
Other than that just keep phoning around, but you're likely to get hammered by everybody because you're a young, inexperienced driver in a high performance car.
Dear monos, a secret truth.
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Re: Any tips?
#134181
17/06/2006 00:37
17/06/2006 00:37
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Anonymous
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Anonymous
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Also try Noel Dazely, Greenlight, Adrian Flux, HIC who are all coop friendly insurers...most need you to be 19 and have had your licence for at least a year I believe  Also, could you stick it in a parents name for a year, with you as a named driver and insure with Direct Line who give named drivers NCB too... It's lunancy that a car costs so much more to insure than to buy 
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Re: Any tips?
#134183
17/06/2006 02:25
17/06/2006 02:25
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Anonymous
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Anonymous
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I think Direct Line actually seem to encourage it although the car would have to be in the other person's name I wouldn't condone it otherwise
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Re: Any tips?
#134184
17/06/2006 02:45
17/06/2006 02:45
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Joined: Dec 2005
Posts: 12,546
Northumberland
AndrewR
I AM a Coop
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I AM a Coop
Joined: Dec 2005
Posts: 12,546
Northumberland
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The insurance will have to be in the name of the owner/main user of the vehicle.
It probably doesn't matter anyway, because Direct Line aren't likely to be competitive. They're big enough to only really be interest in mainstream business.
For example, they're the cheapest by a long way for my wife's Honda Civic diesel with me as a named driver, but not even within a couple of hundred quid for the coupe with my wife as a named driver. They make their money selling to low risk drivers in run-off-the-mill cars and don't want to piss about with specialist vehicles.
Dear monos, a secret truth.
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Re: Any tips?
#134185
17/06/2006 05:27
17/06/2006 05:27
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Anonymous
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Anonymous
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i still got quoted £3200 with my mum as the main driver Im a student just now so il struggle to clear that in a year but i think its worth workin for and i did get my coop for a really good price so maybe i should just bite the bullet and sell my girlfriend. btw i had an arguement with a mate earlier.. about wether my coupe could beat his golf gti.. mine is only a standard 16V so maybe i was in the wrong, what do you think?
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Re: Any tips?
#134187
17/06/2006 14:17
17/06/2006 14:17
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Anonymous
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Anonymous
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i got my 16vt at 19 with no 'no claims' and insured it in my girfriends name with diamond and me as a named driver for 1200 !
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Re: Any tips?
#134188
17/06/2006 18:34
17/06/2006 18:34
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Anonymous
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Anonymous
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!!! that would be a good price.. but signin my car over to my g/f... i dnt't even want to think about that i could try my mum with diamond, would they still let me be on the insurance cos im male?
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Re: Any tips?
#134189
17/06/2006 21:21
17/06/2006 21:21
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Anonymous
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Anonymous
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yeah im sure they would!!
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Re: Any tips?
#134190
18/06/2006 02:33
18/06/2006 02:33
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Anonymous
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Anonymous
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Quote:
Quote:
Also, could you stick it in a parents name for a year, with you as a named driver and insure with Direct Line who give named drivers NCB too...
This is naughty and insurance companies are very aware that it goes on. If you have to make a claim you can expect them to investigate just who the car really belongs to and who drives it.
Who cares if it makes the quote cheaper then why not.
Investigate all they want how the fcuk are they gonna know!
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Re: Any tips?
#134191
18/06/2006 02:36
18/06/2006 02:36
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Anonymous
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Anonymous
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Quote:
i still got quoted £3200 with my mum as the main driver
Im a student just now so il struggle to clear that in a year but i think its worth workin for and i did get my coop for a really good price so maybe i should just bite the bullet and sell my girlfriend.
btw i had an arguement with a mate earlier.. about wether my coupe could beat his golf gti.. mine is only a standard 16V so maybe i was in the wrong, what do you think?
He will trash you in most aspects im afraid but at least your car looks better when getting beat and chicks love the inside of the coop
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Re: Any tips?
#134192
18/06/2006 03:43
18/06/2006 03:43
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Joined: Dec 2005
Posts: 12,546
Northumberland
AndrewR
I AM a Coop
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I AM a Coop
Joined: Dec 2005
Posts: 12,546
Northumberland
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Quote:
Quote:
This is naughty and insurance companies are very aware that it goes on. If you have to make a claim you can expect them to investigate just who the car really belongs to and who drives it.
Who cares if it makes the quote cheaper then why not.
Investigate all they want how the fcuk are they gonna know!
If, my learned friend, I may answer your questions in reverse order:
How are they going to know? Simple, they will interview your neighbours, employers, etc. and ask who they've seen driving the car. They'll warn people that lying to them could consititute fraud and ask, ask, ask. If the car is registered in a parent's name, but nobody has ever seen said parent in the car then you're in trouble.
Why not? Because if they can build a good case to show that you misrepresented a material fact, told a porkie if you will, then they will refuse to pay out any first party claim and may file a civil suit against you to force you to repay them any 3rd party damages they've had to pay out. If you've just mowed down a bus queue and then crashed through the window of a Ferrari dealership this will be bad for you. Very bad.
Who cares? Everybody who pays motor insurance should care. Fraud costs the motor insurance industry money and they recoup that money by putting up premiums for everybody, so cheating them only gets cheaper premiums at the expense of everybody else's going up.
Dear monos, a secret truth.
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Re: Any tips?
#134193
18/06/2006 04:16
18/06/2006 04:16
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Anonymous
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Anonymous
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Quote:
How are they going to know? Simple, they will interview your neighbours, employers, etc. and ask who they've seen driving the car. They'll warn people that lying to them could consititute fraud and ask, ask, ask. If the car is registered in a parent's name, but nobody has ever seen said parent in the car then you're in trouble.
Cant see how this would work? Say for example your parents resided in a high rise block of flats.
Quote:
Why not? Because if they can build a good case to show that you misrepresented a material fact, told a porkie if you will, then they will refuse to pay out any first party claim and may file a civil suit against you to force you to repay them any 3rd party damages they've had to pay out. If you've just mowed down a bus queue and then crashed through the window of a Ferrari dealership this will be bad for you. Very bad.
Told what porkie that he is a named driver on his parents policy? Crashing into a bus queue or ferrari garage is a 1 in a million chance and if it did happen he is covered as a named driver, thats life.
Quote:
Who cares? Everybody who pays motor insurance should care. Fraud costs the motor insurance industry money and they recoup that money by putting up premiums for everybody, so cheating them only gets cheaper premiums at the expense of everybody else's going up.
Premiums go up regardless im sure accident and car crime figures are alot lower than say 3 years ago but yet we pay more.
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Re: Any tips?
#134194
18/06/2006 04:42
18/06/2006 04:42
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Anonymous
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Anonymous
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Re: Any tips?
#134195
18/06/2006 04:55
18/06/2006 04:55
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Joined: Dec 2005
Posts: 12,546
Northumberland
AndrewR
I AM a Coop
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I AM a Coop
Joined: Dec 2005
Posts: 12,546
Northumberland
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I'm not sure what your point is, Skint. Insurance companies do investigate these things and do refuse to make payouts based on the information they gather.
You can also rest assured that if the claim was big enough they'd go to great lengths to prove that fronting, which was what they call this form of fraud, was taking place. My example with the bus queue and the Ferrari dealership was a joke example, but run over a working father supporting 2 kids and put him in a wheelchair for the rest of his life and your insurance company will be looking at paying out £500,000+, that's a good reason for them to investigate.
You also seem to have slightly missed the point. Your insurance company would, initially, be forced to pay out, but if they can prove that you lied to them to get insurance then they would come after you for the money. Suddenly finding yourself with a half-million pound overdraft is going to put a serious crimp in your life for the next 20 years or so.
All this investigating and taking people to court and stuff costs money and, as I've said, they stick it on our premiums. Premiums may go up for other reasons, amongst them being that insurance companies are robbing bastards, but this is certainly one of the reasons.
Whichever way you look at it it's a bad idea. If you want a cheap quote and you're willing to lie why not just say you've got a Panda and be done with it?
Dear monos, a secret truth.
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Re: Any tips?
#134196
18/06/2006 05:58
18/06/2006 05:58
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Anonymous
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Anonymous
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But being a named driver is not illegal and if he was driving at the time of the said incident then he is covered.
I agree insurance companies will investigate severe cases 9/10 their happy with a police incident record.
At least he is willing to pay for his insurance which contributes to our payouts. Its not even technically wrong as he is named driver.
My mum is on my insurance so does that mean when she prangs the car into a bus queue she is defrauding the insurance?
Untill insurance companies say no to adding drivers for cheeper quotes i will keep on doing it. If they are willing to take your money on the questions they ask and providing you are not being dishonest then fcuk them.
Last edited by Skint; 18/06/2006 06:02.
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Re: Any tips?
#134197
18/06/2006 06:08
18/06/2006 06:08
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Anonymous
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Anonymous
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I think what Andrew is saying is that if the insurance is in the mother's name, then she needs to be registered keeper and the main driver ... and not just 'fronting' for the son so he has cheap insurance - and the son is actually the owner and primary driver of the car
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Re: Any tips?
#134198
18/06/2006 07:11
18/06/2006 07:11
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Anonymous
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Anonymous
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Insurance companies always ask if you are the registered keeper tho, if what was being asked here (being illegal)was any different then i do appologise.
At the end of the day a 19yr old is being hit with silly insurance for a 10 year old 2.0 16v car which couldn't pull the skin off a rice pudding.
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Re: Any tips?
#134200
18/06/2006 07:41
18/06/2006 07:41
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Anonymous
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Anonymous
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Quote:
They're not that slow, 16vt is hardly a supercar now is it 
compared to 16v then yes
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Re: Any tips?
#134202
18/06/2006 07:49
18/06/2006 07:49
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Anonymous
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Anonymous
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Is it quicker than he shagging coleen?
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Re: Any tips?
#134204
18/06/2006 08:23
18/06/2006 08:23
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Anonymous
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Anonymous
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Re: Any tips?
#134205
18/06/2006 09:02
18/06/2006 09:02
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Anonymous
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Anonymous
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woof woof!!! Seriously though thats shocking!!! I would try directline if your parents already have cover with them as that can help a lot. Try confused.com as well.. HIC were good to me on my R5 turbo and R19 16v chammy in my younger years but still expect about 2k i reckon... Or mothball the car/sell it and get a cheap shed ie a Renault5 or Tipo or suchlike. Then with money saved by a 20vt to do up slowly on your drive
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Re: Any tips?
#134206
19/06/2006 01:10
19/06/2006 01:10
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Anonymous
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Anonymous
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db9 vanquish? is that a new model? 
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Re: Any tips?
#134207
19/06/2006 03:57
19/06/2006 03:57
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Anonymous
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Anonymous
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M' Learned Friend (appearing for the prosecution) is right. I do asset recovery for an insurance company and this involves 'recovering' the paid out value of suspect claims. Presently involved in an interesting case of a hijacked lorry, the tour bus it's alledged to have crashed into and the Spanish police who are holding the driver. His main problem being he didn't think up a convincing story that would withstand police questioning after selling his load and truck and then claiming the whole rig had been hijacked in the middle of the night in a Spanish truck stop. CCTV is a wonderful invention..we all appear on it 200 times a day..
Questions question..keep asking and the truth always appears.
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Re: Any tips?
#134208
19/06/2006 22:21
19/06/2006 22:21
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Anonymous
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Anonymous
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i dont know how old your coop is but if it is 10 years + then you can get classic insurance which is much cheaper.
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Re: Any tips?
#134209
20/06/2006 00:11
20/06/2006 00:11
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Anonymous
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Anonymous
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Its an N so 10years yeah what companies do classic insurance?
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Re: Any tips?
#134210
20/06/2006 03:07
20/06/2006 03:07
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Anonymous
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Anonymous
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adrian flux do classic insurance on cars as young as 5 years! also, if you limit your mileage and are a member of an owners club you get discounts.
but remember that they will only give you market value if you make a claim even if you've spent thousands on modifications.
hope you get a good quote!
p.s. if you key in classic car insurance in google it will give you even more companies to choose from.
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Re: Any tips?
#134211
20/06/2006 17:30
20/06/2006 17:30
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Anonymous
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Anonymous
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I don't no if this will help. When I lived in the UK as a young guy, some mates and I all had performance cars and had the same trouble that you are haveing now. We went to an Insurance Broker and he set up what was called a "Block Insurance" for six of us. This allowed us all to drive one anothers cars, and also worked out much cheaper for each of us. For me it meant only haveing to pay 80 pounds as my part of the deal, where if I had taken out the normal Policy, it would have cost me 280 pounds.
Good luck with this, Barry.
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