right i'm thinking about a saph cossie and i've been getting quotes of about 3500 am i being stupid and thinking about pay this? or did most of you pay this when you were young im 20 and ill be 21 in October and i'm currently insured under my dads name with 3years ncb?
what are your thoughts on this?

 

i didnt know you could get ncb when on someone elses policy?

 

i was 21 with 4 yrs ncb 600 quid i paid,but most places wouldnt insure me,only adrian flux

 

well my dad has the 3years but ill be insuring it under his name again

 

yea i tried Adrian flux over the internet but the said i will have to ring up so ill do that in the week and see what come up

 

I looked at insurance for a Cosworth about 3-4 month ago and they were reasonable but had a look a month ago and the quotes had doubled

 

go with greenlight, you will get discount for your passionford membership and i think abit more for being a gold member

thats what i did and the quote was ALOT less than any other i had got


dont pay £3500 thats just mental!

 

i was 19 with 1 years no claims and paid 3658 for the year.

Nightmare when youre young.

 

i was 22, 3 years ncb, £800

 

how did you get it so cheap im 20 with 3years under my dad and im gettin that price from most places(not tried adrian flux or greenlight yet tho)

 

I tried to insure mine at 20 and it was rediculous, waited till i was 21 and went with greenlight cost about £1500 fully comp with all mods listed

Greenlight won't cover you unless your 21 and have 1 years no claims though

 

maybe i should wait the few extra months till i'm 21 then

 

So you are asking about FRONTING basically, and you expect serious answers.
tabetha

 

Thats what i ended up doing mate, definately worked out cheaper for me

 

what that makes no sense to me

 

could probably be my answer then

 

Yeah you can, i'm down as a second driver on the missuses puma and ive got four years ncb for my name..she's got 9yrs ncb (dont know what the min is for full no claims...is it 6yr?), thats on a Direct line policy. tbh it was news to me when I was told by direct line that i could carry on my ncb from my old daily driver when i went onto her policy, but its in black white on our policy docs to confirm.

 

insurance is a shitter mate but i were in the same bat as u are my first car at the age of 18 was a 3dr renault 19 16v(happy days) to get it insured i had to pay 3.5k

have a 4x4 sapph cossie now and im 22 apying just under a 1k i think

adrian flux is your best bet!

 

i'm gunner try Adrian flux on Tuesday i'm gunner join the rs owners club soon to so that should lower the insurance down as well

 

fronting? whats that then?

 

"FRONTING", where a car is insured by someone else, normally a parent and has the younger driver added as a NAMED driver, where they are in fact the only or MAIN DRIVER.
This is done as the younger person cannot get/afford the insurance as themselves as the POLICYHOLDER taking out the policy.
Insurance rules when listened to are quite clear, and the policyholder is assumed to be the main user, where this is NOT the case, FRONTING has occured, which is illegal, and I hope you get caught if doing this.
tabetha

 

You should be old like me , 3rd car, few mods, no no claims on this one. £492 fully comp

 

insurance companies arent stupid. they will know that the middle aged man or woman isnt really the main driver of the cosworth but the young son who happens to be a named driver is and the premium will likely reflect this. how can it be proved in a crash situation anyway that it isnt co incidence that at the time of any crash just happened to be the first time the son had used the car?
basically he's 20 with no driving/insuring record of his own and no ncb because the bonus is his dads. he wont have a chance.

 

young drivers should be power restricted imho

 

Agreed.

 

And mine is even cheaper than yours Steve

Just had the renewal and its £280 fully comp, 4000 mile limit.

Steve.

 

Adrian flux wount quote you. <==-- I know this as i work for them.

 

Wonder how much old mad Rod pays for his insurance......can imagine the insurance company as well if he tried to add some one to his policy...."so Mr Tarry, aged 92...you own a Cossie clocked at 213mph and you just so happen to want to add your son...do you think we were born yesterday Mr Tarry?"

 

surely his son would be in his forties

 

Yeah but you are older than me.

 

im with HIC under classic policy its £243 a year mods declaired

 

HIC wount quote you either as adrian flux owns them.

 

y is that when anyone ask for an option on something they always get abuse on this forum, i agree that young people in this country should have a power restriction but we don't. but being a young driver myself well only just young i agree. as far as i know i never herd about that front line thing i just thought you could and my dad will be driving the car as well as this is not my only car ive drive i drive a 1.1 pug as well so hope this answers all the abuse.

 

pendantic begger.....ok then his great great grandson

 

 

i would of thought it would of been alot cheaper if its in your dads name and your only named driver

 

well my dad on his own is 700quid and then if i get added it like 3600quid so ur telling me they don't know ill b driving it now and again?

 

bite the bullet, buy a cheap shitter to run around in for 12 months insured in your own name, get a years ncb then try again for the cossie.

most i've ever paid for mine was just short of a grand when i 1st bought it end of 2004 i was 23 with 2yrs ncb. got it on a classic policy now so doesn't take ncb into account and only costs me £248 a year

 

i wouldnt pay that much for insurance

 

i just rang every company in the back of FF and PF started from about 3k and not insuring me to 1k quotes down to what i had,takes ages of phoneing about,but was worth it in the end,