Passed Test. Insurance issues?

rizla01

Also check out the cashback sites.

Took near 8Mths but I just got £70 refund from AVIVA thru Quidco.

Different sites offer different cashback so hunt about.

CKhalvashi

ACG wrote: »

That is called fronting - if yo have an accident and they find out they wont pay out.

The prices you were being quotes sound correct. Im 26 and paid £1300 for a 1ltr corsa. The onyl other cars i could sggest are a 106/aygo/C1 you can gethtem on lease for £110 a month, insurance was about £1200 for me when everything else was closer to £2k

As named drivers

= Not fronting.

I’m named driver on my niece’s car (’61’ plate Mini Cooper D), but she’s first driver.

I’ve only ever touched it to move it from my sisters to my mothers’ on Christmas day (Christmas present), but at least I’m insured to do so (Although I’m over 25, so TPT on any car)!

Saved her over £1000 doing it like this.

kingstreet

CKhalvashi wrote: »

at least I’m insured to do so (Although I’m over 25, so TPT on any car)

Driving other vehicles? You are only insured to drive other vehicles if your certificate specifically says you are covered and the cover is "RTA" only.

rs65

ACG wrote: »

That is called fronting - if yo have an accident and they find out they wont pay out.

How? Adding named drivers isn't fronting.

kingstreet

By way of explanation, Esure's policy wording is;-

Cover is limited to third party only and only applies as long as the car is not owned by you or your partner or hired or leased to you or your partner under a hire purchase or leasing agreement or hired or rented to you or your partner under a car hire or rental agreement. This cover only applies if:
• there is no other insurance in force which covers the same claim
• you have the owner’s permission to drive the car
• the car is insured by the owner
• the car is being driven in the UK
• you still have your car and it has not been sold, written off or damaged beyond costeffective repair.

Your Schedule and Certificate of Motor Insurance will show if you have this cover.

System

kingstreet wrote: »

Driving other vehicles? You are only insured to drive other vehicles if your certificate specifically says you are covered and the cover is "RTA" only.

Not so
LV's policy

Driving other cars
If your certificate of motor insurance says so, we’ll insure you to drive a private motor car in the UK, that you do not own, is not registered to you and not hired to you under a hire purchase or rental/leasing agreement, as long as:

• you have the owner’s permission to drive the car;
• the car is registered and normally kept in Great Britain, Northern Ireland, the Isle of Man or the Channel Islands;
• it’s not a van which has been adapted to carry passengers;
• the car/van doesn’t exceed 3.5 gross vehicle weight (GVW)
• the car hasn’t been seized or confiscated by or on behalf of any government or public authority;
• you’re not covered by any other insurance to drive it; and
• you still have your car, it hasn’t been stolen and it hasn’t been damaged to an extent that it is a total loss.

The cover is for third party only, so loss or damage to the vehicle you’re driving isn’t covered.

and before anybody mentions it, there is no requirement for the owner/RK to have extant insurance on the vehicle.

the95th

its not fronting at all.

Fronting is when say for instance my brother was the main driver and i was a named driver but i drove the car more then 50% of the time.
Or i drove the car for commuting purposes etc.

Having them as named drivers just implies that they may be driving the car at somepoint and therefore I wont be ( The chances of an accident are then lowered, as a more experianced driver would be driving the car). Which is true, they may use it to pop to the shops while im at home or something, there are no restrictions or limitations, a named driver doesnt even have to drive the car a mile a year and yet they are still covered and insome cases lowering the total cost of the premium

I suggest you look at your own insurance policy, you could be saving a packet by putting somone down as a named driver.
Then again, I reckon you may well be one of those Insurance Gestapo's who works by day as a tv licencing scamvan drivers hunting down tv waves.


On a side note.

Really annoyed

Went back to aviva, after crunching some numbers, ran the quote again, it went up to £2400 for the same car !!!!!!?

Yorkie1

kingstreet wrote: »

By way of explanation, Esure's policy wording is;-

That differs from my car insurance policy with Direct Line.

I think the only consistent observation that can be made, is that each insurer's policy must be separately checked.

Squiggybank

Have you considered taking your 'Pass Plus' it can reduce your insurance costs.

the95th

i have contemplated it, but on average i save with that box ticked about £100, when the course itself costs on average £100 plus a days wages.
it depends on the car your trying to insure unfortunately, and most insurers dont care if you have it or not.

Remember, some times, its in their best interests for us to have a few accidents every now and then. Those small ones that dont cost much money and raise peoples premiums, they love them.

So they are not going to back a scheme that makes young drivers safer by making it affordable.

I personally feel they should make the pass plus compulsory advance training for anyone who wants to say insure a car with a larger engine or something. However with money being a bit tight *im an apprentice on £95 a week* i cant justify paying out for a pass plus untill i know i can afford car insurance.

Plus Aviva have now changed their quotes. :(to £2400 for some ridiculous reason.

its now £1999?!

Can somone explain why these quotes are fluctuating?