GolfGTIforum.co.uk
General => Insurance => Topic started by: chippy3 on 08 October 2010, 13:13
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I have been with Quinn for a year a named driver on my mums policy, unforntunatly i was given the option build up my no claims :(....so i missed out on a year.
i want buy a mk2 golf gti, and even as named driver on my mums policy (who has 13 years ncb!!!!), im still gettin stupid quotes, between 6-8 grand!!!!
lookin around on this forum people are gettin there insurance for half da price....How!!!????
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You might find that a lot of us on here started off with something less than a GTI. For example, a wee Polo, or a 1.4 Golf.
A GTI will be in a high insurance group, to give you an idea, my MK3 1.8 GL is insurance group 9 and im being quoted around 700 quid for next years insurance
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just looked up some info. An 8v GTI (mk2) is insurance group 14, a 16v GTI is insurance group 15...thats why your getting daft quotes
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yeah, i just looked up myself too mate. But, saying that, having looked round on the forum, some people my age have insurance on this car for around 2 grand. i jus wondered how?
any ideas?
and before i was driving pug 306 and now currently a vauxhall corsa 1.2 twinport.....
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Mine was 3K on my own policy fully comp (18,16v)
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try haggling with them! phone them up, let them tell you what their quote is, then tell them youve been quoted cheaper, say youve been quoted 100 less than their quote, chances are they'l try and beat that.
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because its blatantly a fronted policy :rolleyes:
as said - polo or a base spec small engine mkII/III for ya first year,
add on your MUM ( subject to a good driving record ) to YOUR policy brings the price right down :smiley:
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because its blatantly a fronted policy :rolleyes:
as said - polo or a base spec small engine mkII/III for ya first year,
add on your MUM ( subject to a good driving record ) to YOUR policy brings the price right down :smiley:
I was going to say i believe this is called fronting!
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well ive been driving a pegeout 306, which i believe is insurance group 9, dont quote me on that though..and since april ive been driving a corsa...so i thought it would of dropped dwn quite a bit! but clearly not :-(
if i purchase the car, just put my mum as the main driver, then after a week or so, add me onto it...will the price increase by a lot???
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its still a fronted policy, hence they wil load it , they have been doing this for a while now. :kiss:
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hmm, is it still worth a shot though???
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right, let me be a tad more direct
what you are doing is fronting
FRONTING IS ILLEGAL
its your car, take your own insurance out , YOU and YOU alone as the main driver
adding your mum as a NAMED SECOND driver
if you cant afford to pay for a mkII GTi then get a boggo pov spec car.
Simples
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hmm, is it still worth a shot though???
NO!!!
Get a cheaper car to insure, stick your parents on it and build up your NCB's and store the GTI or sell it on
EDIT - agree with the big man ^^^
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Ohhh ok i see now :)....would it be different if i wasnt the registered keeper and my mum was, then i can get my mum too add me on after???? My gf, did a smilar thing, on her fiesta, her quote was 800 quid, but when her brother passed, she added him on and it only increased by 200 quid! bearing in mind this fiesta is 1.4 sport '08 plate..sorry to be a pain guys! :P
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Ohhh ok i see now :)....would it be different if i wasnt the registered keeper and my mum was, then i can get my mum too add me on after???? My gf, did a smilar thing, on her fiesta, her quote was 800 quid, but when her brother passed, she added him on and it only increased by 200 quid! bearing in mind this fiesta is 1.4 sport '08 plate..sorry to be a pain guys! :P
That's exactly the same thing............unless you are NOT the main driver and are NOT driving the car all the time i.e once a week and not every day
If you're using it every day for back and for work / college whatever then it must be YOUR car, in YOUR name, YOU as the registered keeper and YOUR insurance
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i give up
ITS YOUR CAR
GET YOUR OWN INSURANCE
IF YOU CANT AFFORD IT
tHEN GET A DIFFERENT CAR
and you need to add OLD people with a good driving record - not new young inexperienced drivers
i have 3 policies, 2 with 9 years plus
I reduce my daughters OWN POLICY by £350
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Just get a cheap crap car, get your own insurance this is what I did when I passed my test many years ago. Forget about going on your mums policy or vice versa. Just go on your own and start building up your NCB.
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Woaaah chill man :shocked: ...... ok cheers for the help guys, much appreciated :)
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A mate insured his pug 306 fully comp - which gave him third party cover on a vehicle NOT belonging to the policy holder. So he bought a nissan pulsar gtir, put it in his mums name and drove it 3rd party.. Also bought a honda express moped (in dads name) and used that. Got a tug in it, took the PEUGEOT doc's down the station, and no probs. However if that pulsar sits at the side of the road its technically not insured so could be towed away, he has to park it on driveway and in proper off road car parks. My bosses son also insures his 200sx fully comp, and drives his passat daily, his dads evo etc. Got stopped in the evo by the interceptors sayin 'this cars only covering the policy holder' (his dad), but when he explained HE is insured when in it they let him go.now every1 will say that the car has to have insurance 4 u to hav ur 3rd party cover in it, but why? If U crashed it, it'd go thru UR 3rd party company to fix the other cars damage, not ur mums/dads etc, cos they didn't crash it, why should their (totally separate) ins company fork out 4 it?? I think its a loophole overlooked/ not fully understood. Any1 know more on this?
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Shouldve started a new thread really! Not much to do with 18 yo mk2 driver, was jus readin the end of it and it got me thinkin!!
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A mate insured his pug 306 fully comp - which gave him third party cover on a vehicle NOT belonging to the policy holder. So he bought a nissan pulsar gtir, put it in his mums name and drove it 3rd party.. Also bought a honda express moped (in dads name) and used that. Got a tug in it, took the PEUGEOT doc's down the station, and no probs. However if that pulsar sits at the side of the road its technically not insured so could be towed away, he has to park it on driveway and in proper off road car parks. My bosses son also insures his 200sx fully comp, and drives his passat daily, his dads evo etc. Got stopped in the evo by the interceptors sayin 'this cars only covering the policy holder' (his dad), but when he explained HE is insured when in it they let him go.now every1 will say that the car has to have insurance 4 u to hav ur 3rd party cover in it, but why? If U crashed it, it'd go thru UR 3rd party company to fix the other cars damage, not ur mums/dads etc, cos they didn't crash it, why should their (totally separate) ins company fork out 4 it?? I think its a loophole overlooked/ not fully understood. Any1 know more on this?
If you want to use the Third Party driving other car extension you have through your own policy the car your driving has to already have tax and MOT and HAS to have an insurance policy on it in someone elses name. If you crash it and its your fault then there is no cover at all. That vehicle your driving will not be repaired and you will have to cover the costs yourself..it only covers you for damage done to another vehicle or property..
Hope this clears it up :smiley:
Danny
HIC