F-Stop Junkie Posted July 30, 2006 Report Share Posted July 30, 2006 Just dont tell them that! Say that your mum or whoever will be driving it more I had a friend at Uni, insurance in his Dad's name I think, and registered to his Dad's address in a much better part of the world than where he was actually living.Made a claim, investigator came to his house at uni, and the investigator declared that he was the main driver, and his uni address was his main residence so his policy was invalid so no cash.When I've been on my parents policy, it's been with Direct Line. Big benefit is I have no no claims as such, but I get a discount on my own policy as I've been a named driver with them for seven years without a claim. Hence quote for 1.8 Focus was £275...There's no easy way to get insurance, it's almost luck depending on who has the best rates for your car/post code combo, and how many sales they need to rack up before the end of the week/month. One thing to keep in mind is that with insurance, it's not always the cost of the car they're considering, it's the cost of the potential claims if you lose it and drive into a bus queue... The truth is that young drivers make mistakes and therefore claims, and statistics show that they make more than other groups. I remember when I was 17/18 and there was a story of one girl at college who wrote off her car an hour after passing her test.The main thing I'd say is try lots of different insurers for quotes, but listen out for 'Our policy is underwritten by...'. You may find that Tesco - for example - have their policies underwritten by Norwich Union. When I was getting travel insurance one time, they said this and then I got a cheaper quote from Norwich Union direct! Same cover, lower cost. Quote Link to comment Share on other sites More sharing options...
yoyoyo Posted July 30, 2006 Author Report Share Posted July 30, 2006 I remember when I was 17/18 and there was a story of one girl at college who wrote off her car an hour after passing her test.Probably the reason you can't drive back from your test if you pass, because they think you'll be cocky. Quote Link to comment Share on other sites More sharing options...
Prawny Baby Posted July 30, 2006 Report Share Posted July 30, 2006 Probably the reason you can't drive back from your test if you pass, because they think you'll be cocky.of course you can! i jumped in the car straight after my test on my own and went back to school! and the person whos car it was got a lift home with my mum Quote Link to comment Share on other sites More sharing options...
yoyoyo Posted July 30, 2006 Author Report Share Posted July 30, 2006 Really, my friend wasn't allowed. Maybe it was the instructors rule. Quote Link to comment Share on other sites More sharing options...
Wrayvon Posted July 30, 2006 Report Share Posted July 30, 2006 Really, my friend wasn't allowed. Maybe it was the instructors rule. Yer my instructor didnt let me either Quote Link to comment Share on other sites More sharing options...
lee@trials Posted July 30, 2006 Report Share Posted July 30, 2006 I used confused.com it came back with a few different cheap insurance quotes and the cheapest was with yes insurance. I went through my dad though, him the main driver and me a named driver. Whilst I was learning it only cost me £850 to learn in my car as a named driver and it went down to £600 when i passed. The only problem being a named driver is not all insurance companies let named drivers earn no claims, so when you get your own insurance later on it'll still be expensive for the first year.-lee Quote Link to comment Share on other sites More sharing options...
Sam Nichols Posted July 30, 2006 Report Share Posted July 30, 2006 My insurance for my van as a seventeen year old, first policy etc was around £350 third party..I lose 20% for my no claims soon as well, then I can go fully comp for like an extra £25 or something stupid.Go me, you should all come live in guernsey!! Quote Link to comment Share on other sites More sharing options...
munkee Posted July 30, 2006 Report Share Posted July 30, 2006 My insurance for my van as a seventeen year old, first policy etc was around £350 third party..I lose 20% for my no claims soon as well, then I can go fully comp for like an extra £25 or something stupid.Go me, you should all come live in guernsey!! Tis third party though.. fully comp is another story Quote Link to comment Share on other sites More sharing options...
Sam Nichols Posted July 30, 2006 Report Share Posted July 30, 2006 (edited) I just said though, I can go fully comp after my first year for only like £25 or something. Fully comp wouldn't have been extortionate or anything.. I just couldn't afford it at the time. Edited July 30, 2006 by nichols_sam Quote Link to comment Share on other sites More sharing options...
munkee Posted July 30, 2006 Report Share Posted July 30, 2006 I just said though, I can go fully comp after my first year for only like £25 or something. Fully comp wouldn't have been extortionate or anything.. I just couldn't afford it at the time. Yea thats what this thread is pretty much getting at.. first year drivers not being able to get fully comp insurance when thats what people actually do need. Quote Link to comment Share on other sites More sharing options...
CurtisRider Posted July 30, 2006 Report Share Posted July 30, 2006 quick question to all you guys who have cars already and are insured: if you have put things like a new headunit, speakers and stuff in (that cost a bomb) are they covered to a certain amount or do you have to get an extended insurance policy? just ive got myself a new setup arriivng soon and i want to make sure its all covered if some pikey wants to come along and pinch it. same goes with alloys, i have been offered some standard alloys from the model up of my car, but im guessing thatll void my insurance if i dont declare them? or is it only if you have super duber nice ons you have to let them know? Quote Link to comment Share on other sites More sharing options...
munkee Posted July 30, 2006 Report Share Posted July 30, 2006 You have to find out from your insurer, it changes depending on who you are with. Quote Link to comment Share on other sites More sharing options...
CurtisRider Posted July 30, 2006 Report Share Posted July 30, 2006 You have to find out from your insurer, it changes depending on who you are with.i thought that may be the case, ill give them a ring, cheers Quote Link to comment Share on other sites More sharing options...
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