how i feel about my motor

[VR6-Joe]

Shady, as Mike correctly pointed out, I was insured for 4 months on a provisional license, and then 8 months on a full license, making up the 1yrs no claims. That's my own policy, in my own name, with Quinn direct. Nobody as named drivers either because I don't have a mum and my dad has 3 cars of his own

[Shady Pioneer]

Fair enough mate, just seems odd insurance companies would do that, as as a provisional driver, you obviously need another driver who's experienced etc, and that means potentially someone could get a provisional license, start up insurance without driving and build up a NCB, a flaw in the system lol!

[Cable]

Fair enough mate, just seems odd insurance companies would do that, as as a provisional driver, you obviously need another driver who's experienced etc, and that means potentially someone could get a provisional license, start up insurance without driving and build up a NCB, a flaw in the system lol!

not really because u will b paying for insurace but not driving and wasting money.

[Wayne]

Fair enough mate, just seems odd insurance companies would do that, as as a provisional driver, you obviously need another driver who's experienced etc, and that means potentially someone could get a provisional license, start up insurance without driving and build up a NCB, a flaw in the system lol!

I did the same when I started driving, I was paying £690 tpft back in 1996 for my Mini, did not know you could do it but had to as I took my driving lessons and test in my own car.

[Shady Pioneer]

Fair enough mate, just seems odd insurance companies would do that, as as a provisional driver, you obviously need another driver who's experienced etc, and that means potentially someone could get a provisional license, start up insurance without driving and build up a NCB, a flaw in the system lol!

not really because u will b paying for insurace but not driving and wasting money.

But also, that person who is learning wouldn't be out all the time in the vehicle, only when supervised, that could be just once or twice a week, so insurance companies would be giving out no claims where the driver may have very little experience. That's my point lol!

[VR6-Joe]

Yeah I can see what you mean dude.. it's like I sold my Golf 1.4 Ryder, and then bought my Golf 1.4 SE the next day and swapped the insurance over straight away, but my 1.4 SE didn't actually get mot'd & taxed until 2 weeks after I bought it, so I wasn't out on the road in those 2 weeks.. yet my no claims was still adding up lol..

I suppose it could be seen as a way of cheating, you could insure your car for a year, and go into hibernation, then at the end of the year you'll have a years no claims.

Oh and when I was learning to drive, I went out in my car every day of the week.. I was addicted to driving lol.. now I've passed my test, I can't be bothered

[Cable]

Yeah I can see what you mean dude.. it's like I sold my Golf 1.4 Ryder, and then bought my Golf 1.4 SE the next day and swapped the insurance over straight away, but my 1.4 SE didn't actually get mot'd & taxed until 2 weeks after I bought it, so I wasn't out on the road in those 2 weeks.. yet my no claims was still adding up lol..

I suppose it could be seen as a way of cheating, you could insure your car for a year, and go into hibernation, then at the end of the year you'll have a years no claims.

Oh and when I was learning to drive, I went out in my car every day of the week.. I was addicted to driving lol.. now I've passed my test, I can't be bothered

yh but all the money you could save and put towards you quote without 0 no claims, the insurance companies will be gaining either way

[tobybrennan]

for me on a 1.6 GL


£800 thats third party, with 1 year no claims:) and my mum main driver:)
rape ayy

Isn't that what is known as 'fronting' ?

Sticking your mum on there as a MAIN driver, to get your own insurance premium down, however you're actually the main driver?


I'm 18, had my license 8 months, got 1yrs ncb, and for my Mk3 Golf 1.6 I'm paying £485 a year.

no my mum is actually the main driver:)

[VR6-Joe]

For your mum to be the main driver, that must mean the car doesn't belong to you and is not in your name?

[tobybrennan]

no its in her name