Insuring Car X but then actually driving Car Y insured with your policy?

Jakg

wxmlad wrote: »

if your only 3rd party driving your dads car and you write it off is he going to be happy having no payout?

The idea is that I will pay for the car for him (he already has a car), he will own it - but I will use it.

It will be "his" car in name only.

movingforward2010

Jakg wrote: »

The idea is that I will pay for the car for him (he already has a car), he will own it - but I will use it.

It will be "his" car in name only.

the only problem is that if you have an accident where its your fault ,and write the car off you wont be able to claim anything , so only advisable on a cheap car imo

Quentin

That is always the case with third party insurance, and not just this scenario.

Jakg

wxmlad wrote: »

the only problem is that if you have an accident where its your fault ,and write the car off you wont be able to claim anything , so only advisable on a cheap car imo

I know - but even if i were to right-off a £1,500 Leon then i'd still end up paying more overall because of the "lost" NCB - so I can't claim anyway.

As it is my current insurance will be £1k to renew, or £1,700 fully-comp with a lot of excess - useless on my £700 car!

skylight

Of course. Another, far better option, would be for you to downgrade your own car for a few years until you have gained your own NCB and use that instead. Get used to driving before shelling out lots of cash.

silvercar

Are you absolutely sure that Quinn don't have small print to say that drivers under 21 are not covered to drive other cars?

Most insurers that do give 3rd party cover on any car have small print that excludes this from drivers under 21.

Jakg

silvercar wrote: »

Are you absolutely sure that Quinn don't have small print to say that drivers under 21 are not covered to drive other cars?

Most insurers that do give 3rd party cover on any car have small print that excludes this from drivers under 21.

Nope - doesn't mention anything about min age or max engine capactity (although I will ring and ask)

skylight wrote: »

Of course. Another, far better option, would be for you to downgrade your own car for a few years until you have gained your own NCB and use that instead. Get used to driving before shelling out lots of cash.

I would be gaining my own NCB because i'd have "my" car insured.

If I renew my current cars insurance it'll be £1,100 - I could buy a !!!!!! banger for £50, insure that for the same amount of money, then sell my car (and some other stuff) for a decent car...

tattoed_bum

have you taken into account that your fathers ncd will not be applied to a second vehicle

Jakg

will it not?

Oh dear - I will get another quote but either way I'd say that a 50 year old married home-owner with no convictions etc would have a low premium on it...

tattoed_bum

when you work it all out would it not work out cheaper to insure the car on your own.
the purchase of car £1500
purchase of the older car£300 as i doubt you will get one taxed and mot for less
tax , mot ,insurance of the older car
insurance of the new car by your father