I just got an almighty GOOD quote off bell.co.uk, ive not lied or ought but you'd think i did to get it that cheep. . anyway, do they HAVE to honour it or can they get out of it and say they wont do it so cheep?

basically I got a quote as a 2nd driver on my car my dad being the first driver for £367 tpft

just wondering if im gonna get fobbed off if i try and go ahead with it?

 

yeah there prices are wicked me and my dad are with them..

 

Pops is a copper and you're gaining illegal insurance?

 

what are you talking about illegal insurance

 

Direct line aren't bad - and 2nd drivers get no claims

 

putting it in someone else's name and you're the "named" driver

 

how is it illegal for me to drive a car that i am insured on the documents say that i am insured to drive it how is that illegal??????????????????????????????????????????? ????????

 

my dad owns the car and he put me on the insurance am i missing your point or somthing.

 

if you buy a car and it is in your name and then your dad insures it with you as a named driver then that's what i mean. Its obvious to the insurance companies really and could cause problems with a payout.

oh and i just realised you posted above me and my first comment was aimed at Dave

 

so the car is in my dads name he put me on the insurance its a mondeo where talkin bout here i cant c y that is illegal they wouldnt let me take the policy

 

He means, if it was your car and you insured it through your dad, as just a named driver, yet you were really the driver that drives it most.

I don't think he aimed that comment at you anyway

 

oh and online quotes are just estimates, when you confirm they can change the details if they chosen too as i had that with some insurance company, got a quote of 300 then it went upto 700 when i confirmed the deal


BUT then when i kicked up a fuss it went down to 400

but i still fucked em off

not always the cse though and remember to get the car registered in ya dads name as said before or its ilegal as said before

 

cheers for clearing that up smidsy dont think it was aimed at me

 

the car is registered in my dads name

we have the same name anyway, but it is in his name for these reasons, as he's been insuring it till now!

so roon ye

 

dave bell direct always gave me good qoutes.also autotrader website will probably match that roughly to.did you try for fully comp as prob not much dearer

 

Daviet, I tried to do fully comp, but left the page open for ages as had to read it a few times, so when i changed to fully comp it said page had expired but will try it tommo!

Whats on the autotrader website? If i got it for that i'd be seriously happy

 

I just tried to get a quote with bell online, trying to get insurance in my dads name, and they said they wouldn't insure drivers under 21.


I'll probably end up just sticking with my own insurance for now, just wait til i can afford to insure a Sierra Cosworth myself.

 

If you get pulled up and they question the insurance just say i'm allowed to drive it etc. etc. etc. if it says its your dads car and you're insured to drive it then, in a court of law you are legal. if they keep pulling you up because they know you are the main driver then do them for harrassment, simple

 

The name on the logbook isn't necessarily the legal owner of the car though so makes it hard to prove any 'wrong doings' when insuring.

 

More Than are good. I went onto confused.com & they gave me a cheap as chips quote on a Focus RS & i've only been driving 15 months!

 

The ownership of the car isn't so important - they ask that as a separate question - the important point to the insurer is who is the main driver.

They then assess the risk of having a 40-something year old driving the car most of the time and a 20-something only having occasional use.

If the young driver ends up having almost exclusive use of the car, that increases the risk simply because he is on the road more often. And if they can prove you lied about who the main driver is, that is all the excuse they will need to refuse to pay out in the event of a claim.

 

Well tried to go on my dads insurance on my car as a 2nd driver and they said no way


So looks like im gonna have to get my dad to start a new policy with another insurance co that will insure me as a 2nd driver, hopefully not costing a bomb.

Hopefully bell will be fair priced, but god only knows. . its looking unlikely


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