GolfGTIforum.co.uk
General => Insurance => Topic started by: JoshGTI on 22 May 2010, 08:24
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I looked up the insurance groups for the different Golfs yesterday, and I saw that the newer the car, the lower the group, but I wonder if the fact they're newer cars will offset the advantage of that anyway?
I'm only looking at the smallest engines BTW, which is probably better for someone who's only just learnt to drive anyway.
Any tips here? :)
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A lower group doesn't necessarily mean cheaper - it all depends on age, condition, value, postcode etc. I changed from a group 14 car to a group 8 and it went up.
My advice? Have a ring round a few companies with a few prospective cars and see what they offer. Be prepared to be shocked. :shocked:
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Yeah thought so.
I've checked stuff on price comparion sites (and still get the spam from them now), and I think it must have gone wrong because I just saw a load of phone numbers on the screen :grin:
My mum was talking about insuring the car herself and putting me down as a second driver. I don't think that'd work at 17 because I'll need special provisional insurance won't I?
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Yeah thought so.
I've checked stuff on price comparion sites (and still get the spam from them now), and I think it must have gone wrong because I just saw a load of phone numbers on the screen :grin:
My mum was talking about insuring the car herself and putting me down as a second driver. I don't think that'd work at 17 because I'll need special provisional insurance won't I?
dont churchill do a deal that the second person get ncb if theyre a naimed driver??
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Yeah thought so.
I've checked stuff on price comparion sites (and still get the spam from them now), and I think it must have gone wrong because I just saw a load of phone numbers on the screen :grin:
My mum was talking about insuring the car herself and putting me down as a second driver. I don't think that'd work at 17 because I'll need special provisional insurance won't I?
dont churchill do a deal that the second person get ncb if theyre a naimed driver??
Yeah seen that advertised actually, I'll look into it.
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My advice would be to insure it in your own name right from go - you WILL be thankful for the ncb. You'll find the named driver ncb points only work with that particular insurer so you can't shop around in future.
A very small engined mk3, as late as possible so it has factory alarm/immobiliser, park it in a garage, put your parents, aunties and uncles as named drivers (with a lot of insurers the more experienced drivers you add the cheaper it gets). Keep the car completely standard, look after it so you get your money back when you sell it in 2 years to buy a mk2 GTI :afro:
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My advice would be to insure it in your own name right from go - you WILL be thankful for the ncb. You'll find the named driver ncb points only work with that particular insurer so you can't shop around in future.
A very small engined mk3, as late as possible so it has factory alarm/immobiliser, park it in a garage, put your parents, aunties and uncles as named drivers (with a lot of insurers the more experienced drivers you add the cheaper it gets). Keep the car completely standard, look after it so you get your money back when you sell it in 2 years to buy a mk2 GTI :afro:
Depends if I can get a grand together to afford that. I know it's more wise to assure it in my name, but the money's the issue.
Would an mk3 be cheaper to insure than an mk2 then? I'd have thought it would be more pricey as it's newer.
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Give both a try, but since you're too young to get it on a classic policy most insurers will like the safer, more modern car . Also it's a lot easier for pikeys to nick a mk2.
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Makes sense I guess. Thanks for the info/advice :smiley:
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Yeah thought so.
I've checked stuff on price comparion sites (and still get the spam from them now), and I think it must have gone wrong because I just saw a load of phone numbers on the screen :grin:
My mum was talking about insuring the car herself and putting me down as a second driver. I don't think that'd work at 17 because I'll need special provisional insurance won't I?
That is classed as fronting and is a bad move.
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Yeah thought so.
I've checked stuff on price comparion sites (and still get the spam from them now), and I think it must have gone wrong because I just saw a load of phone numbers on the screen :grin:
My mum was talking about insuring the car herself and putting me down as a second driver. I don't think that'd work at 17 because I'll need special provisional insurance won't I?
That is classed as fronting and is a bad move.
Ahh, is it illegal then? What's the likelyhood I'll get in trouble for it? What's the consequences?
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Yeah thought so.
I've checked stuff on price comparion sites (and still get the spam from them now), and I think it must have gone wrong because I just saw a load of phone numbers on the screen :grin:
My mum was talking about insuring the car herself and putting me down as a second driver. I don't think that'd work at 17 because I'll need special provisional insurance won't I?
That is classed as fronting and is a bad move.
it's not actualy frounting if.
if you mother is the owner and main user of the car you can be a named driver on it no problems
the problem is when your mother has 2 cars one of whitch she never drives and is infact your car, then mr insurance man get upset
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conciquence is you go ragging your car ( whitch will happen ) hit something expensive you have to make a claim and your insrance company look at ways of getting out of it and they'll spot it then,
but there not going to point that out when your giveing them money becasue you mayy stop giveing them mony and that would be bad for profit, instead theer going to look when you want them to pay out because that is bad for profit
the logic is simple
you give them info , they calculate risk , you pay premium , you crash, they pay out, they loose money
you give bollox info, they caluclate risk, you pay smaller premium, you crash, they don't pay, they make profit
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Yeah you need to be careful. It's probably ok to do this when you're learning as you'll have your mum with you most times - I did it last year with my dad, but it didn't make that much difference money wise - was a 1.3 skoda felicia and £900 on my dads and £1000 on my own.
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Well when I'm using a provisional lisence I'll have my mum or dad in the car with me anyway as people have said, but I'll see what I should do when I'm 18, I got some time yet.
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When I passed I had my mum as the main driver and I was an additional driver and it was alot cheaper for me, and the car was in my name I have had people tell me that I shouldnt do that but nearly driving 3 years I had never been pulled over for it,
But I regret going on my mums now as I never got the NCB, now on my Golf GTI I have my own insurance with my mum as an additional driver and its a bit cheaper,
My advice take you own insurance out with your parents as additional driver and it would be a bit cheaper, and you can get your NCB