GolfGTIforum.co.uk
Model specific boards => Golf mk5 => Topic started by: joesgti on 12 October 2007, 11:53
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:smiley: :smiley:
just thought id start a new thred on how much you paid for your gti to be insured and if you have any points, also age and company, who knows we might be able to save money :wink:
mine is with privalige.com
21
5 points
driving without due care
around £800
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Age - 32
Points - 0
Company - Elephant
Car - Ed 30
Price - £425
Location - Edinburgh (garaged overnight)
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:smiley: :smiley:
mine is with privalige.com
21
5 points
driving without due care
around £800
I remember talking about this in the Insurance forum. Thats just mental, imo thats an impossible price but there you go. I just get the feeling that your missing something on your insurance as thats just miles too cheap.
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:smiley: :smiley:
mine is with privalige.com
21
5 points
driving without due care
around £800
I remember talking about this in the Insurance forum. Thats just mental, imo thats an impossible price but there you go. I just get the feeling that your missing something on your insurance as thats just miles too cheap.
got the quote, then rung up and went through it, all gravey baby :wink:
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Just out of interest, you as main driver?
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www.moneysupermarket.com
-well worth it, as their form is very comprehensive (it allows you to put in *all* the info insurance companies need, then goes off and compares loads of offers).
For me, the quotes have ranged from about £330 to stupid prices (e.g. £1500+), that's for a 40 year old driver, london, no points, no claims.
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on my name it was £3,300 which was tooo much
so put it under my bro's and me 2nd driver which was £1,100 full comp with all the perks
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£320 fully comp. (swiftcover)
age 37
11 years no claims
3 points (SP50) - not in the GTI though!
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Just out of interest, you as main driver?
2nd driver :smiley:
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£320 Privilege. 49. 3 points (SP30) which are 4 years old.
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£320 Privilege. 49. 3 points (SP30) which are 4 years old.
Privilege are awesome :cool:, and you dont have to be posh to be Privileged :laugh:
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More Than!
£326 with Protected no claims & legal cover :smiley:
No points :smiley:
41 years old :sad:
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25yrs old 3 points for sp30 and no claims.
£401
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28 years old
5 years NCB
No Points
So, looking good.... But....
...Live in a part of Liverpool thats usually on fire.
£900 - Sainsburys Bank.
I've tried entering other postcodes too, and the premium drops as low as 400 quid. Just for moving a few miles up the road.
I'm getting shafted purely because of my postcode.
I'm too honest to try using a false address :wink:
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Same as me Etch, my postcodes is a rip off!
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Just renewed today £346.00 - E-Sure
Age 41
Full protected N.C.B
Clean licence ( not sure for how much longer!!)
£0 voluntary excess but a compulsary one of £250, this is the main thing to watch because some quotes you think are cheap, for example with a £100 voluntary excess, but then they will slap on a very high compulsary excess, £400 was the highest on my quotes, which they are not very forthcoming about telling you about, this turns out to be expensive if you need to claim.
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swiftcover (just renewed)
Age 33
£357 fully comp, 11 yrs no claims
£150 excess
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More Than!
£326 with Protected no claims & legal cover :smiley:
No points :smiley:
41 years old :sad:
phil how many years ncb have you got. as i was quoted 247 from more than, for ed30 42 years old no points 16 years ncb protected
paul
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Edition 30, 40 years old full NCB, garaged.
$397 (about 130 pounds) fully comp includes windscreen cover, protected NCB, no excess and brand new car if crashed or stolen in the first 12months.
It's just how it is out here.
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Golf GTI, 18 Years Old, Zurich...£2200, 0 NCB (had 2 accidents last year), clean licence and......not garaged...parked in a public parking, fully comp, main driver, everything covered except like natural disasters :)
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Just out of interest, you as main driver?
2nd driver :smiley:
Nice of you to admit braking the law on a public forum!
That is called fronting and is highly illegal. Good luck trying to claim. It tossers like you who put up insurance for younger people when you crash, they see your age and realise you were lying to them then put the insurance up for every young person; branding them the same :angry:
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'£2200 per year... 18 years old.. golf GTI.. '
god I remember my first car when I was 18... it certainly wasnt that kind of car!! How can you afford all that!!? :grin:
I'm 32 (director) full NCB, protected, car on drive, AB15 postcode, £338 plus my younger girlfriend (nurse) on as named driver, who has 3 points!! Direct line
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27
3yrs ncb
0 points
Parked on driveway
Best £1142 (with legal cover) - Elephant.co.uk
Worst £3800 (without legal cover) - Moneygrabbinghungryasstescobarstewards.co.uk
R32 57
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£405 with Swiftcover on an ED30
42yrs old (still)
Fully comp with 3points :embarassed:
18 years no claims bonus:smug: (not that they appreciate it at the insurers)
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£890 with Elephant
1yr no claims
shunt in a previous car (2 1/2 yrs ago, but still have to declare it!)
no points
25yr old
Golf GTI
best i could find, everywhere else wanted silly money, £1500++
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AHHHHHHHHHHH
i'm getting about £950 with elephant with 6 points
is that about right?
gonna try privilege now........ :evil:
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I tried getting a quote on a GTI on www.moneysupermarket.com i think it was...lol £14k!!! xD hahahahaa That includes all previous driving "convictions" accidents etc.....
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Zurich, Switzerland
30 years old :cool:
915 quid (garage, covers everything except the passenger (I believe) :evil:)
I have 2 driving licences :lipsrsealed:
Had some speeding tickets after I bought the car. One going 45 on 40 (kmh) - 17 GBP. One on 50 going 70+ - 104GBP. On on highway going 126 instead of 100 - 108 GBP... :sick:
I HATE THOSE SPEED CAMERAS! But they do teach one to drive law-abidingly in the city, once you've been hurt financially a couple of times. :cool:
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Just out of interest, you as main driver?
2nd driver :smiley:
Nice of you to admit braking the law on a public forum!
That is called fronting and is highly illegal. Good luck trying to claim. It tossers like you who put up insurance for younger people when you crash, they see your age and realise you were lying to them then put the insurance up for every young person; branding them the same :angry:
what the f**k are you on about you prick!! who are you and why the hell is that breaking the pissing law, i drive a car as second driver you thingy!! its not against the law, or second named drivers wouldnt even exist!! :angry: :lipsrsealed:
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23, 3 years no claim, SP30 3 Points. Wiltshire/Bath Postcode
HSBC £600. :smiley:
I changed my policy three months through its term, was previously on a BMW 1 series, went up three groups and they wanted to charge me £3500 for the rest of the term (9 months)! :cry: After some complaining HSBC apolgoised and put it a figure that was inline with other companies quotes..
Zurich were about £3000 for me as well................
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Just out of interest, you as main driver?
2nd driver :smiley:
Nice of you to admit braking the law on a public forum!
That is called fronting and is highly illegal. Good luck trying to claim. It tossers like you who put up insurance for younger people when you crash, they see your age and realise you were lying to them then put the insurance up for every young person; branding them the same :angry:
what the f**k are you on about you prick!! who are you and why the hell is that breaking the pissing law, i drive a car as second driver you thingy!! its not against the law, or second named drivers wouldnt even exist!! :angry: :lipsrsealed:
what he means is are you actually the main driver of the vehicle?? if you are then you are fronting and are breaking the law.
If you only drive it ocassionally i.e weekends that that is fine
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Just out of interest, you as main driver?
2nd driver :smiley:
Nice of you to admit braking the law on a public forum!
That is called fronting and is highly illegal. Good luck trying to claim. It tossers like you who put up insurance for younger people when you crash, they see your age and realise you were lying to them then put the insurance up for every young person; branding them the same :angry:
what the f**k are you on about you prick!! who are you and why the hell is that breaking the pissing law, i drive a car as second driver you thingy!! its not against the law, or second named drivers wouldnt even exist!! :angry: :lipsrsealed:
what he means is are you actually the main driver of the vehicle?? if you are then you are fronting and are breaking the law.
If you only drive it ocassionally i.e weekends that that is fine
What he says is right.
It can sometimes get a little confusing though as my wife is listed as the main driver of our second car and drives it more often. However, I drive more miles in it over a period of time as she simply drives about town. This is where the law turns grey :undecided:
Generally speaking, insurers expect the main driver to be the owner and this leads to problems if the owner is registered as the second driver. :nerd:
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soooooo - I pay $1100 Aus per annum.
29 male
had 5 fines in about 10 years - not sure how your points system works. One of my fines was for doing 110 in a 60 zone though - that cost me about $500!!! :evil: :evil: :evil: :evil: :evil: :evil:
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To try defend Joe here, how are the insurance company going to prove that Joe is the main driver?
For example, he has a crash at the weekend - " I only really drive it at weekends mr.insurance company".
He crahes on his way to work - "My brother has an after work party today so he took the train into work, I thought I would use the car today instead"
He crashes in the evening on his way home from the cinema - "I was using to get to and from the cinema as my brother was staying in tonight"
How can the insruance company prove that he drives it any more than his brother?
I can only asume that Joe has been clever enough to have purchased the car under his brother name, I cant see him having problem. I know its breaking the law, but are you trying to tell me that everyone is a honest saint these days? and if it comes at the expense of saving hundreads of pounds I dont blame him.
Someone please correct me if I'm wrong.
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hi alan, just one quickie for you, when did my brother come into it?? :grin: and cheers for sticking up for me.
also insurence companies do not expect the main driver to be the owner, otherwise they wouldnt give you the option, for example if i were married and i bought a car for my wife to use, i would be the owner and her the main driver.
it dosnt matter when you drive it or when the main driver drives it, as long as your name is on the policy you are insured, countless of miles or who is driving.
as for the lad with the ctr, who the hell are you, u dont even know me and you call me a toss*r!! grow up!!
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also insurence companies do not expect the main driver to be the owner, otherwise they wouldnt give you the option, for example if i were married and i bought a car for my wife to use, i would be the owner and her the main driver.
they do expect the main driver to own the car.
being married is a different thing as the insurers see you as one person.
if your dad / brother / mother owns the car and you mainly drive it then you are fronting and you are breaking the law. if you are classed as a 2nd driver and only ocassionally drive it i.e. weekends then thats fine
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also insurence companies do not expect the main driver to be the owner, otherwise they wouldnt give you the option, for example if i were married and i bought a car for my wife to use, i would be the owner and her the main driver.
they do expect the main driver to own the car.
being married is a different thing as the insurers see you as one person.
if your dad / brother / mother owns the car and you mainly drive it then you are fronting and you are breaking the law. if you are classed as a 2nd driver and only ocassionally drive it i.e. weekends then thats fine
This man speaks the the truth. THat is why the quote is lower becuase they are going on the assumption that as the second driver, although higher risk, you are only using the car now and again and therefore the risk of a claim is less and therefore the premium is less. I suspect if you have an accident and they discover the car is in your name but you're driving it on essentially someone elses policy they will not settle the claim leaving you with a stuffed car and no money. Worse of all you could be injured and not have the medical care you think you have paid for. I can remember being young and how horrible insurance was then but at the end of the day it's not just there to protect your car, but also your body and that of other people. If you can't afford to drive a car legally then you should buy something you can. This goes the same for not declaring mods etc. It's a fools game, you may get away with it but if you get caught out it will be because you need the cover you've paid for but they won't be there to bail you out. You then run the risk of being taken to court for fraud and also personal injury if you hurt/kill someone else and your policy is voided.
As has been said it's people like you and those who don't even bother with insurance that drive it up for the rest of young drivers who stick to driving cars within their means. It seems these days with "must have culture" that if you can't get something now you slap it on some form of credit or you lie so you can have it. It's a very sad state of affairs, people should learn to save and be patient for what they want. I drove round in many old bangers before I could afford to own and insure a car I really wanted and it was all the sweeter for the wait.
Nick
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Just to add to my last post. Have you been stupid enough to register the car in your name and pay for the insurance from your account by single payment or DD? Because any insurer will pick this up straight awy when investigating a claim. The only thing all that money you have spent is covering is your arse if you get pulled as essentially you have paid all that money to have a certificate that won't get you done if your rozzered. If you actually wanted to use the service you have paid for you'll be out of luck and prossibly up in court.
Nick
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the DD is in my name, i have had two crashes, both of which i have been under my farthers name, one resulted in over £20,000, if this insurence was not legal then the insurence companies would not have paid for it would they,
im 21, my dads 50, and owns a lage import export company and deals with insurece matters every day, if this type of insurence was illegal then he would not put me under his name! im not stupid and neither is he!
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Well that's interesting, I'd like to hear what Martin has to say as he works for HIC.
Nick
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soooooo - I pay $1100 Aus per annum.
29 male
had 5 fines in about 10 years - not sure how your points system works. One of my fines was for doing 110 in a 60 zone though - that cost me about $500!!! :evil: :evil: :evil: :evil: :evil: :evil:
where abouts in oz do you live??
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‘Fronting’ on car insurance policies deemed 'false economy'
18/09/2007
Two-thirds (66%) of parents would consider breaking the law to save money by insuring their child’s car in their name, according to new research from insurance price comparison website Gocompare.com.
Managing Director, Hayley Parsons, said: “With car insurance premiums reaching their highest ever levels, it’s only natural that parents would want to help their children get on the road. But I was surprised that so many were prepared to lie to their insurance company to do so.â€Â
Insurers are no longer turning a blind eye when parents take out a car insurance policy and add their child – who is actually the main driver – to the policy as a way of lowering costs; a practice known as ‘fronting’. Some insurers have even changed their underwriting criteria in response to this by charging for the highest risk driver on the policy, even when this is not the stated main driver.
“Not telling the truth about who is the principal driver is a fundamental breach of trust and is technically fraud, which may result in a policy being cancelled and any claim refused,†said Ms Parsons.
Those caught ‘fronting’, can be charged the correct premium as a lump sum, or could have their policy cancelled altogether. Cancellation, which has to be declared on future policies, also raises the price of future car insurance as many prospective insurers will refuse cover.
Insurers can refuse to pay-out for any claims or can settle a third-party claim and recover the cost from the parent if caught out. Furthermore, if the insurer declines a claim, the young driver could be seen to be driving without insurance. This could lead to high fines and six penalty points (an automatic ban for new drivers).
“As well as being illegal, ‘fronting’ is a false economy. Insurers are wise to the practice and many now set the price according to the age of the youngest driver on the policy. In the long run it is better for young drivers to hold insurance in their own name to build-up a valuable no claims discount,†Ms Parson added.
Gocompare offers tips for keeping car insurance premiums at a minimum that do not include breaking the law, such as using a car with a low the engine capacity, ideally an engine size of less than 1200cc, avoiding models with letters after it, such as ‘i’, and ‘gti’, as well as avoiding vehicles with any modifications from the standard manufacture. The company also encourages young drivers to take the Pass Plus course, which can help to reduce car insurance prices.
Find out more about comparing car insurance deals and use the Gocompare Car Insurance site to look at a range of car insurance policies.
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Admiral Press office
Insurer reveals most common lies and issues a warning to motorists
Around one in ten motorists lie to their insurance company when they buy their car insurance*, and although the magnitude of the lies vary, anyone who does lie runs the risk of having their insurance policy cancelled.
Leading insurer, Admiral has compiled a list of the five most common lies people tell when they take out a policy, and it is warning motorists to tell the truth or risk losing their cover.
Admiral managing director, Sharon Clarke, said: “Too many motorists think they can lie to get cheaper insurance. They think it doesn’t hurt anyone and it’s worth the risk, but in reality they are committing fraud. An insurance policy is a legal contract and we have a number of ways of finding out if people have lied to defraud us.â€Â
The five most common lies motorists tell their insurers are:
Withholding motoring convictions. This is by far the most common reason why policies are cancelled. People with motoring convictions tend to be bad drivers and so pay more for their insurance. If they have had a motoring conviction of any kind in the last five years, they must tell their insurer.
Undisclosed modifications to the car. Modifying a car so it affects its performance or appearance means it is no longer a standard model, and therefore a different risk. Motorists must tell their insurer of any modifications either they or a previous owner has made to the car.
Insuring a young person’s car in the name of an older driver. This is known as fronting and usually involves a parent insuring their child’s car. Young people are a higher risk for insurance companies because they have more accidents. The insurance must be told who will be the main driver.
Withholding previous claims. Motorists must tell their insurer of any accidents or claims they have had in the previous three years. Even if the claim is settled or wasn’t their fault. The insurance company has a right to know their insurance history.
Unacceptable licences. Some insurers will only insure someone with a certain type of licence. Admiral will only accept full licences from the EU and a few other countries. People with a provisional licence must tell the insurer and have a named driver with a full licence on their policy.
In some cases, insurance companies can find out someone has lied while they are making a claim, they then became liable for all the costs incurred in the claim themselves. So far this year, Admiral Group has cancelled 306 policies in this way because it has discovered the policyholder lied when they took out the policy.
Sharon Clarke, said: “Insurance companies have become much better at detecting fraud in recent years and have a number of tools at their disposal. It is the job of the underwriters to investigate policies and claims they are suspicious about. They check documents are authentic and if necessary instruct investigators.â€Â
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02.10.07 Insurance firms crack down on lying parents
Recent developments suggest that car insurers are becoming stricter with their policies, after an increasing number of parents were found to be lying in order to get their children cheaper cover. Only recently a survey showed that ''one in ten people'' lie to car insurers, with one of the most common lies being courtesy of parents who say that they are the main drivers of their child's car. The situation is indeed serious as, in a new survey by price comparison site Gocompare.com, it has been revealed that ''two-thirds'' of adults have considered doing this in order to slash premiums.
Though no one can deny that parents are of course thinking in the best interests of their children, all parents are warned that this practice, which is often referred to as "fronting", is fraudulent and if uncovered will almost certainly result in a claim being declined and a policy being cancelled. In fact, not only does the activity of fronting put the policy at risk, but it is said that the young driver could face fines of hundreds of pounds, receive six penalty points, and even have to resit their driving test. All parents must ask themselves whether the small reduction in premium costs is really worth the risk of having a policy cancelled in the case of a serious claim or restrictions placed on their child's driving.
In order to be stricter on activities of fronting and limit them as much as possible, various companies have now introduced new questions and amended their existing policy. For example, Churchill, which is one of Britain's first and biggest direct motor insurers, has just amended its “young additional drivers†policy and put in clearer questions about the main driver of the car. Furthermore, from now on they will also check who is the registered owner of the vehicle.
Similarly, another major motor insurance company Esure has amended its policy and now bases its premiums on the highest-risk driver. This means that even if a parent claims that she is the main driver of a vehicle owned by her 19-year-old daughter, the premium will be based on the daughter and not the mum.
All these new measures mean that it has become more difficult for parents to lie in order to get cheaper cover for their children. For those parents worried about the high costs their young children will face due to being labelled "high-risk", there are various legitimate steps you could take to cut down costs as much as possible. For example, young drivers can install black-box technology in their car which will charge them according to how much they drive. Similarly, some companies such as Norwich Union are cutting down their premiums by up to a third for young drivers who leave their car at home at night. This is due to statistics which show that young drivers are more likely to have an accident between 11pm and 6am.
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All interesting reading I think you will agree. I hope none of the insurers mentioned above are yours as with all these new rules coming in you could find you can't afford to insure your car when you come to renew.
Sorry if I come across as having a go but I am! Everyone breaks the law to a certian (Slightly speeding etc) but this is far worse. Imagine you get cuaght after a claim, get your policy canceled and have to re imburse someone £1,000's of pounds for the damage to their car/person. You'll have to sell the car to cover it, if it's still in one piece. Also whoever the main driver on your policy is will have a cencelled policy against their name, once you have this it can be very hard to get cover at all let alone at a good price. I'm not sure they'd be too happy with you for that!
Insurance is there for a reason, yes it's expensive but if you ever need to use it (Like I have done) then you're damn grateful you've got the cover you need.
Nick
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I'd say that is fairly comprehensive proof :smug:. Thanks for that Horney.(Nick) :smiley:
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Sometimes feels like i'm banging my head against a brick wall:
is it just you on the policy or do you have your mum or dad on it as named drivers, this brings the cost down massivly for new drivers but can be dodgey if its in their name and not yours especially if the car is registered in your name. Watch you for this common error as it could get you in trouble if your in an accident.
Very true, insurers are now getting wise to this. Its called "fronting" where a parent fronts the risk to get the price down even though the young driver is the registered owner and main user. If your insurer believes this is the case in the event of a claim you could land up in trouble, its usually pretty obvoius (eg Mummy has a nice sensible mk5 dsl but then just happens to want to insure a modified mk2 which just happens to have her son on as a named driver but its her car and she will still be the main user etc......ok so yeah im sure there are the odd occasions where this is the case but its not very likely is it? :rolleyes: :laugh:)
That is VERY cheap!
Only thing is, i notice on the other thread you said its under your dads name? Be a little carefull insuring like this, a lot of insurers will not pay out in a claim or will cancel a policy if they think it is a "fronted" risk (ie your car but insured under parents name to get it cheaper).
If you are the registered owner and/or main driver of the car this must be disclosed even if you are down as the named driver on the policy.
Also i would probably get in touch to double check the quote, in my experience of online quotes they are often unreliable and can change when you ring up to pay (hence why i tell people to ring us even if the have had a quote from our website).
We would not touch a risk like this and have found it is such a growing problem that we will not even quote parents with a child as a named driver unless the child is over 25 (and even if we did we always rate on the highest risk driver so its pointless).
Joesgti - given your driving history it sounds like you have been lucky to get away with it so far and i am very suprised that your/your dads insurer has not picked up on it.
Martin
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i apologise as i am wrong, i thought my car had a policy under my dads name and i am second driver. after reading what other people were saying i showed my dad this thread, he told me that it was actually a buisness policy under his name and i was a named driver under the company policy, so i can drive any of the company cars fully comp as i work for the company, so it was £800 to add my name to the policy.
i apologise for any confussion, :laugh:
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Aha now that makes perfect sense. Apologies if I seemed to singling you out but this stubject really gets on my tits as I've always paid my own insurance since I was 17.
Nick
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JoesGTi......also make sure youve declared the mods to the car, because yours has been chipped, different wheels etc etc.
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yea ive told em about the chip and they put £20 on it, didnt bother with the wheels thow, coz 18" come standard i didnt think it would matter anlso monza's are way more expensive!!
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Aha now that makes perfect sense. Apologies if I seemed to singling you out but this stubject really gets on my tits as I've always paid my own insurance since I was 17.
Nick
no worries nick, i was getting worried as driving around with illegal insurence dosnt really appeal to me, :sick:
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i apologise as i am wrong, i thought my car had a policy under my dads name and i am second driver. after reading what other people were saying i showed my dad this thread, he told me that it was actually a buisness policy under his name and i was a named driver under the company policy, so i can drive any of the company cars fully comp as i work for the company, so it was £800 to add my name to the policy.
i apologise for any confussion, :laugh:
that makes more sense! :cool:
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i apologise as i am wrong, i thought my car had a policy under my dads name and i am second driver. after reading what other people were saying i showed my dad this thread, he told me that it was actually a buisness policy under his name and i was a named driver under the company policy, so i can drive any of the company cars fully comp as i work for the company, so it was £800 to add my name to the policy.
i apologise for any confussion, :laugh:
good stuff :afro:
now we can have a real rant about people who DO front!!! :laugh: :laugh: :laugh:
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Aslong as its all legal then fair play. I called you a tos*er as it really really annoys me that people front, as its one of the reasons my insurance costs me £1500 for my car so you can understand my animosity towards you, however i apalogise as you are not doing anything illegal so its all good :grin:
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Aslong as its all legal then fair play. I called you a tos*er as it really really annoys me that people front, as its one of the reasons my insurance costs me £1500 for my car so you can understand my animosity towards you, however i apalogise as you are not doing anything illegal so its all good :grin:
ahhh GROUP HUG lol
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Aslong as its all legal then fair play. I called you a tos*er as it really really annoys me that people front, as its one of the reasons my insurance costs me £1500 for my car so you can understand my animosity towards you, however i apalogise as you are not doing anything illegal so its all good :grin:
ahhh GROUP HUG lol
:grin: :grin: :grin: :grin: :grin: :lipsrsealed:
happy days
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Hmmmm very interesting reading!! :laugh: :laugh: But does it work the other way??? I have my mum and dad on my insurance which brings the premium down by a few hunderd smakaroonies! Is this illegal??? Surely not??? It was the insurance sales man who advised me to do it over the phone!
If it isnt then I'm guessing we should all grab a granny :embarassed:
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That's fine if you're the main driver. I used to have my dad on my policy as he has a company car so used mine when he wanted to take stuff to the tip etc. Lowered my insurance to. I now have the Mrs on and she's over 30 with no claims or points ever it's even cheaper again.
Nick
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Ahhh thank God for that!! But how do the insurance companies hope to prove that your not the main driver? And in my case they may attempt to prove that my dad is/was the driver. Its all these little questions that they ask.. which dont make things entirely clear!! e.g. The simple how many miles a year do you do on average??? Now I would say on average i do about 250miles per week. But what if choose to go across to mainland europe for a holiday which added 5k to the clock??
Stooopid stooopid insurance companies
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No idea where your brother came into this Joe lol, for some reason I thought that your brother was the main driver. No idea what planet I was on this morning.
No one has yet to explain how an insurance company can prove you are not the main driver, please see my earlier post for examples.
Anyone?
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Technicaly they cant. Its more if say you had been pulled a few times or all the incidents (say if you had crashed previously) that they looked at with the fonter driving they could refuse a pay out. Tbh an insurance company can refuse to pay out for very minor reasons and will look very deeply into any circumstance that means they lose money!
Its highly illegal, it screws younger drivers up and puts everyother road user at risk as they are driving around without insurance.
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he has a company car so used mine when he wanted to take stuff to the tip
Charmin!
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mines £560 with nud full no claims wife and myself not the cheapest but had to stay with them as had a on going claim with them and if i jumped ship i thought they'd loose interest in the case.
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not wanting to sound rude joegti,
but I take it the only reason you are a named driver on your car is that you brother reduces the cost of your insurance. If I were 21 I would be trying to get my full NCB discount up and running (and then paying extra to protect it!) if I could not afford a Gti's insurance I would not have that car, I would buy a cheaper car that I can afford insurance on. Again making assumptions here, Are you living with parents/Family? maybe best waiting to getting on/back on the property market before the RS4? or get your full ncb before thinking about that! :wink: