Need Help!!!! Car Insurance PLEASE

mikey72

Someone suggested Towergate as a broker worth trying, Swinton is another, use a local office though, and Adrian Flux, and overall you'll also save whatever your mum is paying if she is a named driver on your policy as well.

Jake_Afc

i just tried that towergate and they only let you put 1985 as the lowest date of birth so i cant do that, im going to give adrian flux a try with my own insuarnce and my mum as a named driver on my policy

mikey72

Jake_Afc wrote: »

i just tried that towergate and they only let you put 1985 as the lowest date of birth so i cant do that, im going to give adrian flux a try with my own insuarnce and my mum as a named driver on my policy

I think you may need to phone brokers for the best deals.

Quentin

Badger_Lady wrote: »

If you're the main driver, you definitely need the policy to be in your name.

This is not so, and bad advice.

Being the main driver is irrelevant to who is the policyholder. And having a named driver as the main driver is quite in order.

Most insurer's require the policyholder to own or be the registered keeper, and as the car is your mothers, then it is quite in order for her to continue to insure it and have you down as the main driver.

Jake_Afc

mikey72 wrote: »

I think you may need to phone brokers for the best deals.

sorry but what do you mean by phone brokers?

Quentin

Call them on the telephone. (Rather than use online sites)

Badger_Lady

Quentin wrote: »

Most insurer's require the policyholder to own or be the registered keeper, and as the car is your mothers, then it is quite in order for her to continue to insure it and have you down as the main driver.

80 insurers on Confused.com are happy for me to quote with "parent" as the "owner of the car" and "name on the registration document", at no greater cost than if I was the owner. I guess they're all specialists :beer:

But if your way works (I didn't know you could declare a "main driver" other than yourself) and works out cheaper, awesome!

bouncydog1

Insurers base the quote on who the main driver of the vehicle is. So if the vehicle is owned by a parent and the parent is the registered keeper, the parent can insure the vehicle, but must notify the insurers that the main driver is the son/daughter.

That way the insurers will charge the correct premium for the risk they are underwriting, which is the risk of the young driver using the vehicle most of the time.

Of course they also take into account postcode, occupations, claims history, convictions etc. etc.

Quentin

Badger_Lady wrote: »

I guess they're all specialists ....But if your way works .....and works out cheaper, awesome

Making sarcastic comments is a strange way to reply after you have given such poor advice regarding this to the OP.

Quite definitely you are misinformed when you tell us you must be the main driver to be a policyholder.

(And if the OP's Mum has some NCD she is prepared to put at risk with the OP as a named driver, then of course it will work out cheaper!)

Jake_Afc

anyone else no any independent insurers for young drivers not having much luck