GolfGTIforum.co.uk
General => Insurance => Topic started by: Jaime G on 13 November 2008, 15:07
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For a golf gti on my mums insurance is coming out at 2500?,does that sound right for a first time driver? bearing in mind im being quoted 2300 on 1 litre corsa, so i thought i may aswell pay the extra 200 for a GTI
Thanks.
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What GTI was that? N/A or Turbo?
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Turbo mate.
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what you are doing is basically illegal if this is your car :lipsrsealed:
God forbid if you have an accident :lipsrsealed: :lipsrsealed:
and no, I doubt very much if there is only £200 difference from ANY corsa to a GTI
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Turbo mate.
I would get your own insurance mate you aint gonna get any ncb by using your mums policy and thats whats gonna save you alot of money in the future.
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what you are doing is basically illegal if this is your car :lipsrsealed:
God forbid if you have an accident :lipsrsealed: :lipsrsealed:
and no, I doubt very much if there is only £200 difference from ANY corsa to a GTI
If its illegal why do people still do it and why do insurance companys still allow it?
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Guess you're added an additional driver, so not the main driver (would be your mum) but I suspect you'll be the one putting most miles on. Probably not totally illegal, but if you had an accident they could throw the book at you and you could end not being covered for any damages to your car or yourself.
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all down to YOUR ( or your mums ) declaration
For example
is it your car ??? -
who is the registered owner ???
who will be the main driver ????
if you say your mum to these when it is infact your car, and you will be the main driver, then you are breaking the law.
Very difficult for the insurance companies to prove, but if they smell a rat, they will do anything to get out of paying if you are unfortunate enough to have to claim :wink:
try getting a quote with you mum as a named driver, I am am both my daughters policies now as it reduces them down by a LARGE amount.
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My mum will be the legal owner of it.
Her name on the DVLA all the rest of it.
But i will be driving it most of the time.
But ive heard you cant have no claims on 2 vehicles at once, and i dont fancy sharing with my mum as i will need it at the same time as her.
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My mum will be the legal owner of it.
Her name on the DVLA all the rest of it.
But i will be driving it most of the time.
But ive heard you cant have no claims on 2 vehicles at once, and i dont fancy sharing with my mum as i will need it at the same time as her.
and that is called 'fronting' which is illegal
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if anything happened they will more than likely look at it and alarm bells will ring 'fronted policy'
i worked i motor claims and these things go wrong all the time and it hits the fan!!!
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There are no ways around it really, you can't cheat insurers at their own game, they're better at it than the rest of us.
Get yourself on the logbook
Insure yourself as the main driver
Add you mum as an additional driver
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There are no ways around it really, you can't cheat insurers at their own game, they're better at it than the rest of us.
Get yourself on the logbook
Insure yourself as the main driver
Add you mum as an additional driver
Will that be cheaper?
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Not necessarily, but what options have you got? You're the main driver!
Try confused.com its pretty good for changing things around and seeing what prices you get back.
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and tbh ive found that most ins companies wont insure you unless you are above a certain age and have so many NCB as well
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Just winds me up thinking my mate is driving an STI for 1k a year in canada. Costs so much to do things over here.
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Just winds me up thinking my mate is driving an STI for 1k a year in canada. Costs so much to do things over here.
Sods law mate lol
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Just winds me up thinking my mate is driving an STI for 1k a year in canada. Costs so much to do things over here.
Sods law mate lol
that's not sods law. that's just living in a different country. you'd be amazed at the property you could buy in canada for the same money here.
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Just winds me up thinking my mate is driving an STI for 1k a year in canada. Costs so much to do things over here.
Sods law mate lol
that's not sods law. that's just living in a different country. you'd be amazed at the property you could buy in canada for the same money here.
true, bet my jaw would hit the floor if i saw what you could get
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back on topic £2500 for insurance is mental. get on confused.com or similar and look at other companies. if you decide to front, then the most sensible thing to do is to remove all evidence of it from public forums, and choose your words very carefully when dealing with the insurance company.
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tbh mate, you aint go no experience and you are driving a turbo car straight away, the reason the insurance is high becuase you will more than likely hurt yourself, and someone else. Then becuase your insurance is void they wont pay out for the other persons threatment when you put them in a wheelchair becuase your an idiot that wanted a too big car straight away.
No offence for the rant, but your an idiot, wake up!
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good luck with what ever you choose to do, but to be honest, if u havnt gt any ncb then you are gona wana build them up asap other wise ur renewal will NEVER drop, id settle 4 the corsa on 3rd party fire n thief 4 a year or two then move up (insurance would be about a grand with ur mom as a named driver), cos 9 times outa 10 a new driver is gona crash, bas n scrap there 1st car, if you want power then try getting a toyota starlet there 1.3turbos, so ther fast and cheap insurance, however there imports and f**kin ugly!!!! lol,
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tbh mate, you aint go no experience and you are driving a turbo car straight away, the reason the insurance is high becuase you will more than likely hurt yourself, and someone else. Then becuase your insurance is void they wont pay out for the other persons threatment when you put them in a wheelchair becuase your an idiot that wanted a too big car straight away.
No offence for the rant, but your an idiot, wake up!
mikestar, you gone from gangsta to godfather :laugh: :grin: :kiss:
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I can tell you now for free that at 17 and new driver you will not be getting insured on a 1.8T MK4 GTI unless you "front" or want to pay £5+ insurance. We have all been there, myself starting off with a little 93' Clio. at 20 I got the MK4 GTI and then 21 got the MK5. All got to start somewhere :(
(I sound like a right old fart :()
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I can tell you now for free that at 17 and new driver you will not be getting insured on a 1.8T MK4 GTI unless you "front" or want to pay £5+ insurance. We have all been there, myself starting off with a little 93' Clio. at 20 I got the MK4 GTI and then 21 got the MK5. All got to start somewhere :(
(I sound like a right old fart :()
£5+ would break the bank.
Basically you said you're going to front your insurance policy on a PUBLIC forum. Nice one!
I had a 106 to start with, then when I was 18 got a 1.8 Golf MK2 then movedto a GTI and now drive a Golf Turbo and i'm 20.
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get yourself a 1.4/1.6 for a couple of years then see where you're at with ncb etc.. that's what I'm doing.
'Pretty sure people have set you straight on the fronting info, just remember what everyone said if you do choose to do it and something bad happens :smiley:
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You're an idiot if you do that, only a complete jackass would do fronting.
I've got a 1.8 Mk3 Golf, not fast but it's not slow either, instead of going for the speed approach though, I've gone for the looks instead, at least Dubbers have the slogan "Low and slow" now I'm not low yet but will be in a month or two lol!
Just make it look good, then think about other cars later on down the line.
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be the main driver with your parents as named drivers. it wont be that much more expensive than if you were a named driver. Also the car is in your name and your the main driver, which is cool!
not sure what you said, like £2200 or something for 1l corsa!?!? sounds like thats way over the odds there. should be less than £1000.
you can get NCB as a named driver though, only with certain insurance companies. And you can get away with being a named driver if you want to save more money. I have done it and so have many of my m8s. I even crashed, as have some off my m8s and all was good. But my renewal is coming up next week, so i will put the car in my name.
LL ;)
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if ur gonna front it by 100 quid sh!tter insure it n leave it sat on the drive then go on ur mums insurance on the golf, that way u get no claims bonus and it looks so much more unlikely your fronting the policies, proving your fronting is near on impossible this way ur makin their life even harder :wink:
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i never had any probs driving as a named driver in 7 years, i have now got my own insurance as i thought at 24 it was prob about time i did, guess i was just lucky eh
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i never had any probs driving as a named driver in 7 years, i have now got my own insurance as i thought at 24 it was prob about time i did, guess i was just lucky eh
Did you crash whilst being a named driver?