Cripling insurance

motorguy

neilmcl wrote: »

And why would it be fronting?

Because she wouldnt be the main driver of the car.

tberry6686

OP suggests that she often drives over 100 miles. Almost certain to be the main car user. Adding on to a parents policy would almost certainly be fronting.

neilmcl

motorguy wrote: »

Because she wouldnt be the main driver of the car.

Where did the poster suggest that the OP (or indeed her parents) wouldn't have her down as the main driver?

Nednats

edit: *********

tberry6686

Unless my understanding of car insurance is wrong (quite possible) then making the op the main driver on a policy taken out by her parents should make little difference to the quote as it would be priced on the same risk as having her own policy, although younger people do seem to get a reduction for having an older person on the policy.
It would also bring up the issue of who owns the car (and we all know insurance companies love get out clauses).

Would probably be better to get her own policy and have a parent on it as a secondary driver

StrongWork

Welcome to 'equality'.

Rolandtheroadie

Wife works in home care, she has to prove to her employer that she has business use on her car. You better work out if you'll need that as well.

dacouch

scotsman4th wrote: »

Wife works in home care, she has to prove to her employer that she has business use on her car. You better work out if you'll need that as well.

Good point, would be very difficult and expensive to get business use for a young additional driver insured on a parents policy whether you declare them as a main driver or front it

Sylvian84

Try Bell and Elephant that's who I used at your age and add your parents as named drivers.

Aretnap

scotsman4th wrote: »

Wife works in home care, she has to prove to her employer that she has business use on her car. You better work out if you'll need that as well.

Very good point - a standard social, domestic, pleasure and commuting policy will cover you for driving between home and your usual workplace, but it will NOT cover you for driving to the homes of various people you care for. Many people don't realise they need business insurance for this type of work, or only find out the hard way when they get stopped and convicted of driving without insurance - and a conviction for that really would make your premium unaffordable.

Business use doesn't normally add much to your quote, in fact I can even see that it might bring it down for a young driver as the insurer would much rather you were using the car to visit elderly people by day than tearing around the estate by night.

Also
- try adding your parents as named drivers (but DON'T claim they're the main drivers if they're not going to be)
- look into companies which will give you a black box which will monitor your driving style and reduce your premium if you don't speed, drive at night etc
- don't assume that a small car is automatically cheapest - a boring, grown-up car like a Volvo which screams "I'm not a boy racer" may work out cheaper for a young driver, even if the engine is a bit bigger than a Fiesta's