how much was your gti insurence??

[Rhyso]

Just out of interest, you as main driver?

2nd driver 

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 

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!!    

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

[Hurdy]

Just out of interest, you as main driver?

2nd driver 

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 

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!!    

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

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.

[Chardy]

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!!! 

[AlanD]

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.

[joesgti]

hi alan, just one quickie for you, when did my brother come into it??  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!!

[Rhyso]

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

[Horney]

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

[Horney]

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

[joesgti]

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! 

[Horney]

Well that's interesting, I'd like to hear what Martin has to say as he works for HIC.

Nick