GolfGTIforum.co.uk
General => Insurance => Topic started by: MarkS on 01 August 2007, 19:32
-
Evening :smiley:
I've been trying to get an insurance policy that allows me to drive other cars third party at my age.
I'm driving a 1.6 golf at the moment and am changing to comprehensive cover soon but would like the third party cover on other cars.
What companies do this please?
I've tried bell and they quoted £6000 so thats out of the question :shocked:
Anywhere else do it?
I've had a search on this forum but i've had no luck finding any info unfortunately :sad:
Thanks in advance for any help :smiley:
-
try quinn direct mate, I am with them exelent prices and they allow you to drive other cars on your third party policy.
www.quinn-direct.com (http://www.quinn-direct.com)
-
Ta mate
Had an online quote which was something over £5000 :sad:
Might try ringing them up as thats meant to be more accurate...I hope :wink:
-
You will struggle to find anyone who will offer it at your age tbh mate. Why is it so important? If i was getting quotes of about £5k i would be more concerned with finding the best deal than getting driving other cars...... :huh:
Also dont make the common mistake that "driving other cars" is something you only get on comprehensive cover, many companies offer it on TPFT too. You age & occupation are usually more important in deciding whether you get it than the cover you choose.
Martin :smiley:
-
Its because I'm hoping to get an old mk2 to work on as project car and I want to go comprehensive also to build up a no claims bonus.
And my dad would insure the mk2 under his own name also so that it was properly insured too.
Well, that was the plan :laugh:
I didn't realise tpft sometimes lets you drive other cars, that maybe something to look into :nerd:
Thanks for the help :smiley: I'm gonna ring quinn in a minute, see if talking to a real person is better than the online quote!
-
back when i was 17 i had tpft with cis and my policy allowed me to drive other cars too, not sure how things are with them now as that was 7 years ago
-
have a look at bell again with tpf&t, pass plus and your parents as named drivers. Knocks a few hundred quid off!
-
hey i just turnt 18 on the 31st and have just insured myself on my 1.3 golf with quinn for 1300 quid, takes da P*ss but it is good as they do insure u third party on other cars, any of you lot wannna lend me any gtis or vr6's haha.
-
Yeh when I first took my policy out with quinn at 19 it was £1700 on a 1.6 16v Vectra Premier.
However when I renew next year it will be with HIC most likely as quinn dont like engine mods at all :drool:
MK2 VR on collies and shizzle :cool:
-
Thanks for the help guys :smiley:
I tried quinn again online through '4youngdrivers' then i got a quote of £2500 and I thought this is too good to be true! Because thats the joint lowest quote I've had, with a company that doesn't let me drive other cars (Endsleigh)
So I rang them up and talked to a very rude woman and got it checked over and everything and specifically asked if I could drive other cars and they said its fine. But then I thought I'll just check the price cos I still couldn't believe it and she said yes its £2500 with you on a provisional license...
So I thought "yes its gonna be even less becauase I actually have a full license" so i told her and she goes "yeah thats now £4700" :shocked:
Not entirely sure how passing my test makes me more dangerous, maybe cos I'm on my own, but there you go! Sure someone can shed some light on that one for me :wink:
I might try ringing them again asking for a new quote because I still at least have the old quote number to fall back on
I'll try bell on tpft too, I'd rather be able to drive my mk2 than have a no claims I suppose
Thanks for all the help :smiley: I'll keep trying
-
back when i was 17 i had tpft with cis and my policy allowed me to drive other cars too, not sure how things are with them now as that was 7 years ago
Tried them too mate!
Over 8 Grand :sad:
I was in a rush filling out the form though so i might try them again sometime as I might have done it wrong :embarassed:
Thanks for the tip though :smiley:
-
Not entirely sure how passing my test makes me more dangerous, maybe cos I'm on my own, but there you go! Sure someone can shed some light on that one for me :wink:
hmmm well with us we certainly would not put the price up just because you passed your test but I can kinda understand where they may be coming from though.
Personally I would consider someone that has just passed their test as more dangerous than somone on a provisional. You can have a provisional, pass your test the next day but that does not automatically mean you are a better driver, only that you can now drive unsupervised. In my opinion its driving experience that makes you better.
Martin :smiley:
-
Yeah I see what you mean mate, but I would have thought that practically anyone can get a provisional license and get in a car despite having no knowledge of driving or how to drive, at least you show basic skills if you've passed! But then again, I don't work in insurance so my knowledge is somewhat lacking :grin:!
On another note, things are looking up, got a quote from bell, fully comp with my parents named drivers £2600!
Can definately drive 3rd party with them too
And I made sure I'm down as a full license this time :laugh:
I'm sure I'll be back complaining again if things don't work out :wink:
Thanks for the help guys, probably wouldn't have got it sorted otherwise :smiley:
-
Yeah I see what you mean mate, but I would have thought that practically anyone can get a provisional license and get in a car despite having no knowledge of driving or how to drive, at least you show basic skills if you've passed!
True, but you have someone experienced sitting next too you who is likely too tell you off if you start driving like a nutter....... :wink:
Glad you got a deal you are happy with though mate (although i struggle too see how anyone could be pleased with a quote of £2600!!! :shocked:), its crazy how much 17yr olds have to pay for insurance. If i had to pay that sort of money when i was 17 i would never have been able to do it!
Martin :smiley:
-
When I was provisional on my sisters clio it was cheaper than when I had passed. Only reason I could think of was the fact that im hardly going to be using it as I havn't passes my test. Maybe once a week or something like. Yes? No ? I have no idea what im talking about now.
-
I'll try bell on tpft too, I'd rather be able to drive my mk2 than have a no claims I suppose
You do know that you still get a no claims bonus at the end of the year if your on tpf&t!?
-
I'll try bell on tpft too, I'd rather be able to drive my mk2 than have a no claims I suppose
You do know that you still get a no claims bonus at the end of the year if your on tpf&t!?
Might look into that!
Cheers mate :smiley:
I know £2600's pretty steep but I suppose I'll have to get used to it if I want to drive for the next few years :sad:
Just gotta get the old parental stamp of approval now! :laugh:
-
try endsleigh, they were cheapest for me at 17
-
All sorted for definate now :smiley:
tpf&t
Can drive other cars and going to build up a 10month no claim bonus!
So its all good :smiley: Except for the cost i suppose :cry:
Ahh well
Thanks for all the help and info guys :cool:
-
Can drive other cars and going to build up a 10month no claim bonus!
arrrgh noooooo!!!!!! Why do people keep falling for the "10 month bonus accelerator thing"??!!!! :huh: :rolleyes:
If you read some of the old topics you will understand where im coming from. 10 month policies are a waste of time in my opinion, yeah they look cheaper but thats because you dont get as much for your money....they are 10 MONTHS not a YEAR.
A YEARS no claims bonus is for 1 YEAR, a YEAR is 12 MONTHS not 10. You will find a lot of companies will not accept the no claims you build up on a 10 month policy. Why should they? Its a gimmick by that company to get the business, its makes their price look better than it is (cos obviously its a shorter policy so would be) and a way they can trap you. THEY will give you a years no claims for the 10 months, that does NOT mean that every other company will accept it.
Hell if we wanted to we could say we will do an 8 month policy an give you a years no claims, im sure loads of people would love it but that does not mean every other company would accept it if we decided to stick our price up next year regardless of your "years" 8 month no claims.
You get a 14 day cooling off period, if i where you i would try to extend it to a full 12month/1 year policy.
Best of luck with it
Martin :smiley:
-
Can drive other cars and going to build up a 10month no claim bonus!
arrrgh noooooo!!!!!! Why do people keep falling for the "10 month bonus accelerator thing"??!!!! :huh: :rolleyes:
If you read some of the old topics you will understand where im coming from. 10 month policies are a waste of time in my opinion, yeah they look cheaper but thats because you dont get as much for your money....they are 10 MONTHS not a YEAR.
A YEARS no claims bonus is for 1 YEAR, a YEAR is 12 MONTHS not 10. You will find a lot of companies will not accept the no claims you build up on a 10 month policy. Why should they? Its a gimmick by that company to get the business, its makes their price look better than it is (cos obviously its a shorter policy so would be) and a way they can trap you. THEY will give you a years no claims for the 10 months, that does NOT mean that every other company will accept it.
Hell if we wanted to we could say we will do an 8 month policy an give you a years no claims, im sure loads of people would love it but that does not mean every other company would accept it if we decided to stick our price up next year regardless of your "years" 8 month no claims.
You get a 14 day cooling off period, if i where you i would try to extend it to a full 12month/1 year policy.
Best of luck with it
Martin :smiley:
Oops :sad:
I did try and put it to the 12 month no claims but it went but by quite a lot :cry:
I knew there'd be issues about the accelerated no claims as its not a full year etc, from what I've been reading up on this forum.
However on the Bell website they say if you do change insurance companies they will vouch that it is a full no claims bonus
So fingers crossed it'll be ok for the future :smiley:
Suppose in 10months time we can talk to them and see whats what and maybe upgrade to a 12 month policy after?
No doubt I'll be back on here b!tching about it if it goes wrong :laugh:
Thanks again :smiley:
-
hi mate
i'm 18, been driving a 1.6 golf for a year now
last year I was with a broker called Carole Nash on a policy as a named driver - this cost £430 for the year!
this year they didn't want to know me - the quote was £4500!! they're obviously cracking down
so I then went on a search for cheap insurance naturally... i looked at all of the options tpft and fully comp named driver and own policy with just about every company out there
i eventually went for fully comp cover as a named driver with RAC for £900 (mods declared) with was the absolute cheapest going
however RAC dont cover you on other cars but your own even if you're fully comp
from what ive seen its going to cost an awful lot to get fully comp cover that will cover you on other cars too at our age - they hardly want to insure us for our own cars in the first place.. roll on 21!
hope that helps
ste
-
Thanks for the reply mate :smiley:
One person we talked to at endsleigh said that the general rule of thumb is to cover driving other cars third party around the age of 21-25, however bell allow it for a small extra fee. which is who we went for, so its all good :smiley:
Its silly how much young drivers have to pay for insurance
Having said that, I have a friend who must be only 19/20 with a subsequent 2/3 years no claims bonus and can afford to insure a cab with a g60 engine in :shocked: with at least 180hp I think he said, with other mods too!
He didnt tell me how much specifically the insurance was though, so ya know... :laugh:
-
roll on 21!
Spot on.
Im 20 and still pay loads, I save about £400 in April when im 21, canny wait!
-
These 10 monther policies - how does the new insurance company know? Surely the previous cert shows as 1 year? Unless the new insurer checks the puter? Although I guess insurance companies are getting smart with this sort of thing
-
These 10 monther policies - how does the new insurance company know? Surely the previous cert shows as 1 year? Unless the new insurer checks the puter? Although I guess insurance companies are getting smart with this sort of thing
Hmmm hard one to be precise, going from how we deal with them we know who most of the companies that offer these policies are so when you are asked who your last insurer was, if its someone we know offers 10month accelerators you will usually be asked directly if it was 10months or not.
Also the no claims proof usually has the dates on so it will say 1yrs ncb claim policy effective 1/8/06 to 01/06/07 or something.
That said we have had the odd occasion where they have taken it if it purely states 1yr and gives no indication of any less but this is rare.
Martin :smiley:
-
These 10 monther policies - how does the new insurance company know? Surely the previous cert shows as 1 year? Unless the new insurer checks the puter? Although I guess insurance companies are getting smart with this sort of thing
Hmmm hard one to be precise, going from how we deal with them we know who most of the companies that offer these policies are so when you are asked who your last insurer was, if its someone we know offers 10month accelerators you will usually be asked directly if it was 10months or not.
Also the no claims proof usually has the dates on so it will say 1yrs ncb claim policy effective 1/8/06 to 01/06/07 or something.
That said we have had the odd occasion where they have taken it if it purely states 1yr and gives no indication of any less but this is rare.
Martin :smiley:
I did a 9month bonus accelrator. but on my certificate they actually put 12 months no claims bonus, so no other companies queried it.
-
:sick: :sick: thats how young drivers insurance prices make me feel ..................i wouldnt bother with a car if it ment paying £2000 or £4000 ish for cover
mind you the majority of young drivers think they are pros & drive like utter tits :angry:
not saying every one should be tar'd with teh same brush.
cant say i have this prob running a trader policy for me (29yrs 4yrs now claims 6points & my business partner (28yrs 11 points & 6 month ban just over now) & my stepdad on 38yrs 3 points
grand total £1578.00 any vehicle car or bike upto 7.5 tonne
all mods inc even rollcages & nos
trade use & social & pleasure use
cars on the policy are
seat toledo mk1 20vt 300bhp
golf mk2 20vt 300bhp
saxo vtr
focus 2.0 16v
trooper 3.1td
-
im 18 and only pay about £900 and iv been banned from driving for a year for having no licence and insurance and driving without due care :laugh: :laugh: :laugh: then again where i live there is no cars nicked at all , just the young drivers roll them at high speed into ditches and fields, my dad was a copper for 20 odd years and said that in his time hes only had a couple of cases of stolen cars and they wernt actually techniclly stolen just borrowed by friends :laugh: :laugh: :laugh:
-
ive had quotes for £9k!!lool....£1200 on mummys policy.....haha.....woop woop.....
-
Glad you got a deal you are happy with though mate (although i struggle too see how anyone could be pleased with a quote of £2600!!! :shocked:), its crazy how much 17yr olds have to pay for insurance. If i had to pay that sort of money when i was 17 i would never have been able to do it!
Martin :smiley:
I never would pay more than a months wage for a years insurance, I sold my SXi for that very reason when the first years free insurance ran out and the renewal was 1100 back in 1992 cause the car was financed! :shocked: Even now that price would still make me think twice! But tahts easy to say when your an old fart with full ncb, my heart goes out to these youngsters, but I had to drive a banger and work my way up too just like so many others!!
-
My daughter was on my policy and they gave her 2 years ncb when she went on her own, ended up with quinn-direct as the cheapest quote. Just had her escort 1.8 gti written off in a car park bump, so she is back with a Mk3 2.0 gti 8v and that is the same insurance cost about £600 tpft and she is 20. The girl dealing with it must be the nicest person I have ever dealt with, she also knows her stuff as well. This is actually her 4th car since she was 17 ( golf driver, honda 16v, escort gti, golf gti ). She has never claimed on any insurance and any bumps have been by other older drivers.
-
Your daughter is a very lucky girl to boast that car collection in her first 3 years of driving, fair play to her !
-
so do all fully comp policies cover the driver on other cars? i got quoted £1500 fc on a mk2 1.3 3 door...
(gets ideas of mk2 16v insured under grandads name :evil:)
-
Also dont make the common mistake that "driving other cars" is something you only get on comprehensive cover, many companies offer it on TPFT too. You age & occupation are usually more important in deciding whether you get it than the cover you choose.
:wink: