Young driver

Tony69

Quote wrote: »

Bright isn't your real surname, is it?

:rotfl: :rotfl: :rotfl:

dacouch

I'm not sure where the Insurers get the idea that young male drivers are over confident with their driving abilities....:rotfl:

Paul_c_7

whilst i can see you frustration with the issue the fact is that STATISTICALY you more likly to have a crash.

i have had 1 crash and that was other partys (old) fault yet i still have high insurance premiums because the car i have has an S in the designation. its a mitsi space star (colt estate basicaly) which isnt sporty at all, same engine n transmision spec but the trim level is called sport so i get an increased premium because of it.

what you CAN do is the ADT which will reduce the premiums, and drive carefuly to get the NCD

raskazz

bobbybright wrote: »

Cases should be judged individually. If your a new driver, at 17 or 47, premiums should be the same!

Cases are judged individually as far as it is practical and economical to do so. A 47 year old new driver will pay less than a 17 year old new driver because they are statistically a lower risk.

tinkerbell84

Paul_c wrote: »

what you CAN do is the ADT which will reduce the premiums, and drive carefuly to get the NCD

He'll never get any NCB if he uses his father's insurance.

And if he's doing 500+ miles a week (which I would bet aren't declared :rolleyes:) and isn't down as the main driver the insurance company may well not pay out in the event of an accident.

McKneff

It really isnt nice to tell Posters that itisnt any of their business.
You have made it their business by asking for advice on here.
Please be nice to people who are trying to help.

cajef

bobbybright wrote: »

OK then, its not practical because i do 500 miles + in one go on a weekly basis.

If you are doing that sort of mileage each week the car should be insured in your name, by having the insurance in your fathers name you are 'fronting', if the insurance investigate in the event of an accident your insurance would be void as you have given them false information.

Have you thought of the consequences if the insurance company refuse to pay out, you could be liable for many thousands of pounds in compensation if other vehicles were damaged or written off or if someone was injured or killed.

Paul_c_7

there are companys which do allow a named driver to grenerate a NCD iirc churchill do it for one.

cajef

Paul_c wrote: »

there are companys which do allow a named driver to grenerate a NCD iirc churchill do it for one.

So do Direct Line, however that is only when the car is mainly driven by the main driver and the named driver is an occasional user, in the case of the OP the car appears to be owned by him and with that sort of mileage he is obviously the main user so he should be insured on his own policy not his fathers.

tinkerbell84

Paul_c wrote: »

there are companys which do allow a named driver to grenerate a NCD iirc churchill do it for one.

many do, but not one that's transferrable to other companies