Car Insurance! :(

1ManArmy

Im so sorry people another Car insurance thread :embarasse

Main details:
-Im 19 Male and a new driver
-I live in North London (N16)
-Looking to buy a 1.0 Corsa as first car
-Im a full time uni student
-Work part time

Im looking for car insurance but i get ridiculous quotes ranging from £8,000 to £36,000 as a main driver, adding my father with 11years and 7ncb reduces the range from roughly £6,000 to £18,000. I just dont know what to do!!
I used a Vauxhall Corsa 1.0i 12v to do most of my quotes.

However as a second driver with Co-op i got a quote of £1500 but thats fronting and i dont earn ncb neither do i get added bonuses such as 3rd party cover driving someone elses car.

Someone please help!
Anything under £2500 as a main driver is ideal but seems impossible!

I tried another address outside london as a main driver get quotes of £678! I mean comeee on!!!!!
It is possible for my to use that address but too many risks attached!

Im stuck

Edit: <<<<<<<<<<<<<Loving the Alert message :P

TRADESIZE

Hi,

note this article:
http://www.thisismoney.co.uk/money/cars/article-1700001/Five-cars-cheap-insure.html

you need to own a car that's the lowest insurance group possible. Find that out then get a quote on one.

Failing that note the comments on the bottom of that article. Classics are much cheaper to insure. For classics try the insurers footman James. HIc Adrian flux & Lancaster.

Chris knott brokers consider some cars over 16 years old a classic for example mk2 golf. I have a 1996 Volvo 850 insured as a classic.
Very cheap is an old shape beetle, but you'll need to be mechanically experienced to own one.

Some of my suggestions might not work you just don't know until you phone. I have a 19 year old friend in Bristol mk2 golf 1.3 petrol 3 dr, annual premium £560!!! That's with footman James.

bouncydog1

Suggest you read all of the other threads on the same topic for tips.

£2500 might be what you want to pay, but insurers deem your postcode high risk to them - they have probably had a lot of claims from that area - so they charge what they deem the risk profile reflects.

Tips:-
Have a look on Parkers to get an idea of low group cars - cheapest will be very uncool - Chevrolet matiz for instance.
Don't even think about fronting - insurers are very wise to these tricks now. At best the policy will be cancelled making it very difficult if nigh on impossible for your father to get insurance again and it will be at high cost - it is fraud.
Don't use another address - again this is fraud.

One of the basic principles of insurance is utmost good faith, which means that you will be honest about the risk you are asking insurers to cover, so they can charge the correct rate.

Much as you "want" a car unless you can afford to pay for it then it might have to be put on hold for a while. Don't even think about driving uninsured - the repercussions of having an accident and seriously injuring somebody do not even bear thinking about.

Morph4610

Hi I've no doubt you've done the usual searches with the PC sites but also get on the phone to some of the specialists who either don't work with PC sites or don't put their best prices on them. Suggest A Plan, Flux, Thames City and Only Young Drivers

scheming_gypsy

1ManArmy wrote: »

Im so sorry people another Car insurance thread :embarasse

Main details:
-Im 19 Male and a new driver
-I live in North London (N16)
-Looking to buy a 1.0 Corsa as first car
-Im a full time uni student
-Work part time

P

and so do so many other young drivers, a lot of them crash them. So that tells the insurance companies that Corsa + young driver = accident waiting to happen.
go for a car that won't be seen as a high risk.

1ManArmy

Thanks for all your replys!

Im going to sit down on Thursday and make some calls to those insurance companies listed above. If that fails then i will: (Read Below)

I just wanted to ask something. I had a chat with my dad, his thinking of getting rid of his car which he insures for £417 and buying a Astra 2006. Now if i become a named driver i will be only using the car 3 times a week to commute to and from Uni and occasionally drive it when needed. All the other times he will be driving the car. I wanted to ask if i do get a policy as a named driver is this situation considered fronting still?
It will cost £2300 of which Dad will pay £600 i pay the rest £1700.

I noticed Co-op do a offer; if you are a named driver for 3 years with them, on the 4th year you have the option to become a main driver with 3 years no claim Bonus with them only. If you choose to become a main driver using a different insurance company they wont give you the 3 years ncb. Is it only me or does that actually encourage fronting?

olly300

1ManArmy wrote: »

Thanks for all your replys!

Im going to sit down on Thursday and make some calls to those insurance companies listed above. If that fails then i will: (Read Below)

I just wanted to ask something. I had a chat with my dad, his thinking of getting rid of his car which he insures for £417 and buying a Astra 2006. Now if i become a named driver i will be only using the car 3 times a week to commute to and from Uni and occasionally drive it when needed. All the other times he will be driving the car. I wanted to ask if i do get a policy as a named driver is this situation considered fronting still?
It will cost £2300 of which Dad will pay £600 i pay the rest £1700.

So you will be using the car 42% of the time.

no_choice_now wrote: »

I noticed Co-op do a offer; if you are a named driver for 3 years with them, on the 4th year you have the option to become a main driver with 3 years no claim Bonus with them only. If you choose to become a main driver using a different insurance company they wont give you the 3 years ncb. Is it only me or does that actually encourage fronting?

No it's ideal for couples who have one car between two of them and at some point may need their own car each.

1ManArmy

Im guessing 42% is not fronting?

lisyloo

I wanted to ask if i do get a policy as a named driver is this situation considered fronting still?

If your dad is genuinely the main driver then it's not fronting.
What we don't know is what "the rest of the time" consists of.
From your description it's not obvious who the main driver would be. If you use it on 3 working days then that is the majority of a 5 day working week.

But if he's the main driver genuinely then no it's not fronting.
It's fronting when people pretend their parent is the main driver.

I'd say you'd need to be careful in your situation as 3 out of 5 days of a working week could make it marginal.

1ManArmy

Out of the 168 hours in a week i will have access roughly 60 hours of the car. The rest 108 hours Dad uses. He uses the car allot on weekends.
He will genuinely be the main driver.

bouncydog1

So will he keep the car that he is thinking of getting rid of and get the Astra in addition, or will he just end up with the Astra?

If he keeps the first car and puts you as a named driver, one of the questions he will be asked is if he has access to any other vehicle. He will have to answer yes (as he will have access to the Astra) otherwise it is non-disclosure for which insurers can cancel the policy. Insurers will probably then rate the vehicle on your age and he can only use his bonus on one car.

If he is going to replace his car with the Astra and that will be his only vehicle and he is going to use it the most, then that is not fronting - he may have a hard job convincing insurers though when they see a young driver on there.