Car Insurance - Student (Decent quote?)

lazymoezy

I havnt yet done my practical yet but am going to book it very very soon and hopefully pass first time. I was thinking of getting the same car as my mate who also passed recently. A Honda Civic 1989 3 door GL. Engine size is 1.4.

I thought of getting insured under my brother but he was too expensive so I tried under my brother-in-law who lives at another address (is this a problem?) and has well over 5 years no claims discount!

Under that car my lowest quote was £800!! Which I find is REALLY cheap for someone my age (17).

Im in Central London as well.

Any tips or suggestions on getting insurance? Quite new to this, so, would appreciate any advice given!

Thanks,

-MoE-

tom188

If you are the main driver of the car you must insure it under your name at your address. To do so under someone elses name whilst you are the main driver is "fronting" or insurance fraud. Insurance companies are wise to this and can void your policy in the event of a claim, with the repercussions including possibly being taken to court for driving without insurance and finding it very difficult to ever get insurance competively in the future.

A quote is based on your risk and location and by using incorrect information the insurer is not quoting for this.

DavidHM

You have to get your own insurance on your own car.

Firstly, your BIL can't "give" you his no claims - he wouldn't have any no claims on this car as each car is on a separate policy and he would want to use the no claims on his own policy (unless you fancy paying the difference in premiums to him?) If you live at another address the insurance company is likely to be very interested indeed - they will happily take your money but will come after you if they ever have to pay out.

Also a 1989 Civic 1.4 is (surprisingly) really expensive on insurance so whatever premium you have been quoted, you can knock it down by going for a different car and not modifying it.

Unfortunately you're probably going to be looking at £2,500 to get insurance in central London at 17 but at least you'd be legal - and eventually that quote would come down quite nicely, which would mean you could get insurance on something properly quick, in your own name, with no hassle by the time you're 22.

lazymoezy

No, I think you get the wrong end of the stick, half a dozen of students in my college if not all are insured with someone else.

Im not sure what the word is but basically you brother, father, mother is the MAIN driver and you are the second driver. My friend has done this with his dad who has 3 years no claims and it makes his insurance cheaper.

You fill in the details of the main driver then you fill in your own details with your address, nothing fraudulent about that! I was just asking if it was possible having that main driver from another address who is still family. Obviously, Ill use my address but was wondering if there were implications or if it wasnt even possible.

I can do it with my brother who is insured on his own car but would happily insure on the HOnda civic.

I was looking for a car like a Honda Civic, something old or a Toyota Corolla 3 door. I dont know that much about cars but any reccomendations on old cars such as the above with 1.4 engine size or less would be appreciated.

Im not looking to spend more than £500 on the car as I will be spending more money on fixing it up a little bit and making it look nicer....not modifications as in tints, making it turbo etc etc.

Thanks,

-MoE-

Labman_2

The main driver has to be....the main driver.....otherwise it's fronting. I actually know someone who had a claim rejected because they got their car insured in their Dad's name when they themselves were the main driver & owner.

lazymoezy

Ok im confused?

Both me and him are going to be insured on the car. Both of us will drive it, depending on what day, time, holidays etc etc.

How do you work out whos main driver? It would be most likely equal or him because I wont be driving to or from college as its too far, so thats 5 days off, will drive afternoons on those college days though and weekends which would be shared.

Im kind of getting confused here, because I see half my college year driving and they have their family members as main drivers, does main driver mean that person has to drive more or have to seat with you when driving?

Sorry for being a daft idiot here, im not familiar with this all.

DavidHM

If someone else is driving the car as much as you or more than you, then it's okay for that person to be the main driver. I've been a named driver and that's fine.

However, if you tell them that someone is the main driver who you know will not be driving the car the most, the word you're looking for is "fraud." (Quite a common fraud but fraud's not moneysaving - think of it as like buying a fake Rolex for a third of the price - still expensive but not what you wanted.)

There's no need for the "main driver" to be in the car with you once you've passed your test, just for them to drive the car as much or more than you.

If you can legitimately go down this route, Direct Line might be a good company to go with because, if you become the main driver after the first year, you can get insurance with them as a new customer with any no claims discount you would earn. (Obviously this is only a good idea if their premium is sensible to start with, but it may well be).

darky

lazymoezy wrote:

No, I think you get the wrong end of the stick, half a dozen of students in my college if not all are insured with someone else.

Im not sure what the word is but basically you brother, father, mother is the MAIN driver and you are the second driver. My friend has done this with his dad who has 3 years no claims and it makes his insurance cheaper.

You fill in the details of the main driver then you fill in your own details with your address, nothing fraudulent about that! I was just asking if it was possible having that main driver from another address who is still family. Obviously, Ill use my address but was wondering if there were implications or if it wasnt even possible.

I can do it with my brother who is insured on his own car but would happily insure on the HOnda civic.

I was looking for a car like a Honda Civic, something old or a Toyota Corolla 3 door. I dont know that much about cars but any reccomendations on old cars such as the above with 1.4 engine size or less would be appreciated.

Im not looking to spend more than £500 on the car as I will be spending more money on fixing it up a little bit and making it look nicer....not modifications as in tints, making it turbo etc etc.

Thanks,

-MoE-

Insuring someone else as the main driver IS fraud!

lazymoezy

darky wrote:

Insuring someone else as the main driver IS fraud!

Are you sure mate, they are the main driver so how can it be fraud? After the first year when Im at uni next year I'll get insurance as me as the main driver as Ill dirve to uni and would do it on my own, should be cheaper by then.

Can anyone reccomend a decent car which is cheap on insurance? Im looking to spend no more than £700...i like old cars btw (Honda civics, Toyota Corolla etc!)

Thanks,

-MoE-

tom188

But you are buying the car so presumably it is going to be your car for you to drive regardless who it is insured with - or is your relative in need of another vehicle for their own use, for you to use every so ofte,n and you are just being charitable and buying it for them?

DavidHM

What Moezy's saying - that they'll drive the car more than him - is unlikely and implausible but not fraud if it's true.