Cheap cars to insure for learner drivers

Blacksheep1979

tinkerbell84 wrote: »

NOT a good idea :rolleyes:

apart from the fact that it's moneysaving - what's this site about? :rolleyes:

Money saved by insuring in parents name - what would be saved from no claims (especially if go down the route reccomended by kr15snw) you're still going to be up.

tinkerbell84

It's ILLEGAL.

It's not moneysaving to spend money on an INVALID insurance policy :rolleyes:

Lokolo

Blacksheep1979 wrote: »

apart from the fact that it's moneysaving - what's this site about? :rolleyes:

Money saved by insuring in parents name - what would be saved from no claims (especially if go down the route reccomended by kr15snw) you're still going to be up.

Yeh I think it is rather money saving, but not sure if it is in the longerm.

But to be fair, there are other factors which effect cost, such as where you live, if you are male or female (with female rates so low I can't see there being a lot of difference after a few years), as well as the car.

Blacksheep1979

tinkerbell84 wrote: »

It's ILLEGAL.

It's not moneysaving to spend money on an INVALID insurance policy :rolleyes:

well done ms. law graduate 2008 - it's not illegal and it doesn't invalidate your insurance policy, that's why insurance companies give you the option to put other people on your policy durrrrrrrrrrrr

How is telling a company all the facts, accurately, going to breech their t&c's thus leaving you open to driving without insurance (I hope that's the illegal part you were talking about or you're dafter than I thought)?

kr15snw

If you are going to insure it for her (for a short amount of time, like I did) then do the following (like I also did):

*Buy the car yourself (even if she gives you the cash)
*Register it in your name
*Pay for the insurance yourself (and get her to give you the cash)

Then they cant prove its not your car. Oh and if she ever gets pulled and they ask if its her vehicle 'no officer, its my mums. Im borrowing it'

tinkerbell84

Blacksheep1979 wrote: »

well done ms. law graduate 2008 - it's not illegal and it doesn't invalidate your insurance policy, that's why insurance companies give you the option to put other people on your policy durrrrrrrrrrrr

How is telling a company all the facts, accurately, going to breech their t&c's thus leaving you open to driving without insurance (I hope that's the illegal part you were talking about or you're dafter than I thought)?

Hope the refund from your charm school arrives soon :rolleyes:

It is not illegal to add additional drivers to your policy.

It is illegal to MISREPRESENT THE RISK and say that the main driver is someone that isn't. It is known as 'fronting' and insurance companies are very wise to it.

If the OP's daughter is likely to become the MAIN DRIVER of that car at ANY POINT during the life of the policy then she MUST be declared as such.

Saying it's her mum's car when it isn't will render her insurance invalid.

Yes, it goes on a lot, but that doesn't mean it's legal or allowed.

Just do a search on here for 'fronting' and expand your mind with a bit of knowledge, sweetheart.

Tink (former insurance company employee).

Blacksheep1979

See your 5 mins induction course was put to good use here - what does a learner driver have to have with them when they go out in the car? Oooh that would be another individual with a full license and that's insured on the car, that's because that individual is deemed as being in charge of the car. Now that would make the mother (if they are the one taking them out all the time) the main driver...

St8_2

A great tip if your daughter is a student is going with Endseligh. Put her occupation as a student and the price drops like a brick! Endsleigh is recommended by the NUS.

When I first passed my test at 17 I had a car that was in insurance band 7, which was registered in my dads name. We got insurance from Asda with him as the main driver and me as a named driver. He then used his no claims on my car policy to get the cost from down to £600. All other companies were quoting around £1600. But then I found Endleigh that quoted about £650 for me as the only driver. So definately worth getting a quote from them.

tinkerbell84

Blacksheep1979 wrote: »

See your 5 mins induction course was put to good use here - what does a learner driver have to have with them when they go out in the car? Oooh that would be another individual with a full license and that's insured on the car, that's because that individual is deemed as being in charge of the car. Now that would make the mother (if they are the one taking them out all the time) the main driver...

:rolleyes:

subtitles for the hard of thinking:

tinkerbell84 wrote:

If the OP's daughter is likely to become the MAIN DRIVER of that car at ANY POINT during the life of the policy then she MUST be declared as such.
.

That clearer for you? Maybe you could try reading the thread again when you're in possession of the family brain cell

jtwn

tinkerbell84 wrote: »

:rolleyes:

subtitles for the hard of thinking:



That clearer for you? Maybe you could try reading the thread again when you're in possession of the family brain cell

ooo, handbags at dawn

There is nothing to say that the parent doesn't drive it further to the shop every morning or whatever but that aside, on the policy each driver does have to state its purpose of the car and they'll draw up an idea from that who is the 'main driver' anyway.