Student with a car

Justduggan

anewman wrote: »

The other thing to do of course is to change the car. The best approach is to get quotes and ensure you can afford the insurance *BEFORE* buying a car. I think you will find some other cars may well be cheaper on insurance, if you stick in a few other different cars.

This ones a group 4 I think, I used a clio as an example as that's group 1, but only came out £100 cheaper, when I say only, it is alot but clio's cost more so would cost more overall

anewman

I think even in the same insurance group, for different cars prices will be different. Instead of Clio, Corsa, Saxo - think Daewoo Matiz, Daihatsu Cuore and Move, Hyundai Atoz, Suzuki Wagon R+. All not very exciting, and no street cred, but these cars tend to sell relatively cheaply and I'd guess they're possibly cheaper on insurance. Worth a try anyway as all you have to do is call up the quote and keep changing the car

Yorkshire-Lady_3

Did you try Quinn Direct?
My son and son in law are both with them as they were the cheapest by far.

Y-L

alanrowell

yvonneem wrote: »

Her dad is policy holder and she named driver earning her own ncb.

Isn't that fraud?

hewhoisnotintheknow

alanrowell wrote: »

Isn't that fraud?

If its the fathers car and he uses it most, no.

Some insurance companies allow names drivers to build up their no claims

However i have heard reports of other inusrance companies not accepting the no claims from the named drivers


ANYWAY back to the actual question, he already has the car and has insured it!

hewhoisnotintheknow

hewhoisnotintheknow wrote: »

If its the fathers car and he uses it most, no.

Some insurance companies allow names drivers to build up their no claims

However i have heard reports of other inusrance companies not accepting the no claims from the named drivers


ANYWAY back to the actual question, he already has the car and has insured it!

ahh, just re read it, he has not insured it yet!

Yeah hunt around a bit on all the sites, dont forget quidco cash back i got £65 with morethan back

ameratsu

You can only get a parent to insure it as main policy holder + named driver when the parent is the registered keeper of the vehicle and also uses the car regularly. I have a fiesta which my 18 year old daughter is insured on and I make sure that I use it too, even though I have use of another car.
I have just changed from a 1.0 ltr. corsa to the 1.25 si fiesta, so I'm expecting a hike in November - unfortunately Diamond, who insures us, doesn't let the named driver build up any no claims, but they are a lot cheaper than the ones that do.

markelock

i presume it's not taxed either?

is it parked on the road?

don't buy another car before you know how much it's going to cost you (unless you've inherited it of course)

mon1o

i have to say ive never heard of fronting! Does this apply to spouses (is that right?) as well as parents/children? Out of interest by the way....im not guilty of this.

Monica x

anewman

mon1o wrote: »

Does this apply to spouses (is that right?) as well as parents/children?

Technically it would yes, if there were two cars in a husband's name and insured in his name with one with the wife added as a named driver, and she had an accident on the way to work and often made that journey, then that would clearly be a case of fronting.