Just passed driving test - need help!

Pew_Pew_Pew_Lasers!

Soulja wrote: »

What I meant with my dad was, taking out a policy under his name and me being a named driver in the policy.

Thanks for the replies. Would like to buy a cheap car as you mentioned but I am just starting a post graduate course which has eaten up most my funds so unfortunatly I cant do that.

Just found out that swinton insure 21 year olds on day insurance at £26 a day for me, a bit expensive but atleast I have the option:beer::beer:

EDIT - How do I find out which cars are cheap to insure? thanks

I do hope you're not suggesting that you'll buy a car, that your dad will insure it, that you'll be a named driver—and the main user?

Because if you are, that's fraud. Insurance companies aren't stupid.

Soulja

Pew_Pew_Pew_Lasers! wrote: »

I do hope you're not suggesting that you'll buy a car, that your dad will insure it, that you'll be a named driver—and the main user?

Because if you are, that's fraud. Insurance companies aren't stupid.

No off course as Ive already explained its a family car and I want to be insured on it as a named driver. My dad is the main user.

Thanks for everyone that have helped!! While half the other posters are suggesting I am trying to do fraud

Soulja

dacouch wrote: »

The only problem with Insuring your car in your dad's name (Apart from the fact he is fronting for you which will mean the Insurer may not pay any claims out unless you declare you are the main user). Is that you dad has only earned one set of no claims bonus, so he cannot use it on another vehicle and certainly cannot protect it as it does not exist. If you take out a policy in your dad's name with no claims bonus declared then when the Insurers ask for proof of his no claims bonus you will not be able to provide acceptable no claims bonus. this will mean the premium will rocket. (There are exceptions where Insurers will mirror the no claims bonus on a second car but I do not know of any that will do this with a young / inexperienced driver on the policy).

Ring esure and explain your dad has one car and this is a second car and ask if they will allow any no claims bonus and see what they say.

Hi thanks for the reply but I think I have confused everyone including myself! There is only one car in this equation - the family car, I just want to be a named driver on my dads policy. I want to protect my dads NCB as he has 10 years +, I dont see why he couldnt protect it as he has earned it.

Throbbe

Soulja wrote: »

Thanks for everyone that have helped!! While half the other posters are suggesting I am trying to do fraud

I wouldn't take it personally. It's very common, so people are probably a bit suspicious. It seemed odd that you were sorting out the insurance, although I suspect that you are just being helpful (not a bad move since your dad is letting you use the car).

I'm a little confused about your post. It might be just my reading, but are you thinking that your dad needs one insurance policy and you need another? You just need adding to his existing policy as a named driver, you don't need a second policy.

While this site correctly pushed comparison sites and the like, in your circumstances I would suggest going to speak to a couple of brokers face to face. Catch them at a quiet time and be friendly and polite and they'll go out of their way to find a policy that suits, and from my experience (admittedly some years ago) they have a good idea of which companies are good for young drivers. The comparison sites tend to push high volume 'vanilla' polices that are cheap for most people, but not all.

If you do go down the route of getting your own car, try adding your mum as a named driver! It brought down my insurance quite a bit when I got my first car.

crittertog

rev_henry wrote: »

I believe cars also become cheaper to insure as they get older as well.

From my experience, it's more of a bell-shaped curve. As a sweeping generalisation, new drivers typically have a lot of accidents, and, as they are typically around 18-20 and won't have loads of money lying around, they will generally have a cheaper car, which will generally be a bit older. Therefore, it can be cheaper for a new driver to insure a new car of a given model, rather than an otherwise identical 7-year old one (a friend at college did this with their Focus).

rev_henry

crittertog wrote: »

From my experience, it's more of a bell-shaped curve. As a sweeping generalisation, new drivers typically have a lot of accidents, and, as they are typically around 18-20 and won't have loads of money lying around, they will generally have a cheaper car, which will generally be a bit older. Therefore, it can be cheaper for a new driver to insure a new car of a given model, rather than an otherwise identical 7-year old one (a friend at college did this with their Focus).

Very interesting. So presumably by so many young people having x old car and crashing it, x old car becomes a much higher statistical risk.