Insurance, advice!!!! (please)
17-04-2009, 02:30 PM
#1
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Insurance, advice!!!! (please)
Just wondering if this seems steep to you guys? 
Ok, just got my first car, mint mk2 fiesta 1.1 (lol)
My dad has just tried to insure it, under his name with me as a named driver... So that i can learn to drive in it like
£650!!!!
For me to be a named driver?
On my dads insurance?
And hes had a NCB for like 26 years...
I know all the usual 'im a high risk' bollocks, but was expecting a lot less than that!
Do you think its worth it, or shall i just keep it in tha garage and pay an instructor to teach me?
Any advice would be apreciated chaps!
Ok, just got my first car, mint mk2 fiesta 1.1 (lol)
My dad has just tried to insure it, under his name with me as a named driver... So that i can learn to drive in it like
£650!!!!
For me to be a named driver?
On my dads insurance?
And hes had a NCB for like 26 years...
I know all the usual 'im a high risk' bollocks, but was expecting a lot less than that!
Do you think its worth it, or shall i just keep it in tha garage and pay an instructor to teach me?
Any advice would be apreciated chaps!
17-04-2009, 02:32 PM
#3
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that aint that bad really mate
alot of people go on as second driver to make it cheaper so the insurance company's have put the prices up
alot of people go on as second driver to make it cheaper so the insurance company's have put the prices up
17-04-2009, 02:36 PM
#4
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Really?
I was only insuring it so my old man could go and pick it up though lol
Hes just tried to insure it as a classic without me as a named driver
£82 lol
You think i should do that and learn in an instructors car?
I was only insuring it so my old man could go and pick it up though lol
Hes just tried to insure it as a classic without me as a named driver
£82 lol
You think i should do that and learn in an instructors car?
17-04-2009, 02:40 PM
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its up to you depends on how many lessons you have i think its £20 a lesson i cant quite remember
but will properly work out cheaper that way yes
but will properly work out cheaper that way yes
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17-04-2009, 02:40 PM
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17-04-2009, 02:41 PM
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£99,999 to insure a scoob after one year driving clean lisense
was gonna get a civic vti as first car would of cost £700 to but £7400 to insure lol
was gonna get a civic vti as first car would of cost £700 to but £7400 to insure lol
17-04-2009, 02:42 PM
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Haha yeah i guess mate!
I do accept that, i guess im just being tarred with a brush, because in reality, ill spend 1 hour in it every month with the hours that me and my dad work lol, which is like £65pound an hour insurance lol (technically lol)
Olie
I do accept that, i guess im just being tarred with a brush, because in reality, ill spend 1 hour in it every month with the hours that me and my dad work lol, which is like £65pound an hour insurance lol (technically lol)
Olie
17-04-2009, 02:44 PM
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17-04-2009, 02:48 PM
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thanks man its difficult paying attention as my car has hard suspension lol
and there real quotes mate in the end got a 206 1.6 16v for £1400
just shop around mate the difference some times is scary
and there real quotes mate in the end got a 206 1.6 16v for £1400
just shop around mate the difference some times is scary
17-04-2009, 02:55 PM
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Shit aint it, BUT we all had to put up with prices like that when first starting out.
Keep your nose clean, get your own insurance asap and start building up your no-claims.
Keep your nose clean, get your own insurance asap and start building up your no-claims.
17-04-2009, 02:58 PM
#14
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Lol cheers lads... Ive just got my dad to insure it without me on the policy for £82 lol
Agreed value of £600
Sorted
Will get my lessons off some one else
Cheers for the help lads
Olie
Agreed value of £600
Sorted
Will get my lessons off some one else
Cheers for the help lads
Olie
17-04-2009, 03:39 PM
#15
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Could be worse
I have 9 years NCB and used that to insure my E39 540i Sport (I'm 26) - that cost me £540 fully comp with upto 15000 miles, £150 excess blah blah blah.
That is parked in the garage to be used for pleasure, for my daily hack I have a V reg 1.8TD escort - propper heap of junk and it cost £350 to buy - but the insurance is £620 tpft as all my NCB is on the BMW
Go figure
However, buying and insuring the escunt was still cheaper than having to buy a new mirror from BMW as someone cunted it in the carpark at work 2 weeks ago
I have 9 years NCB and used that to insure my E39 540i Sport (I'm 26) - that cost me £540 fully comp with upto 15000 miles, £150 excess blah blah blah.
That is parked in the garage to be used for pleasure, for my daily hack I have a V reg 1.8TD escort - propper heap of junk and it cost £350 to buy - but the insurance is £620 tpft as all my NCB is on the BMW
Go figure
However, buying and insuring the escunt was still cheaper than having to buy a new mirror from BMW as someone cunted it in the carpark at work 2 weeks ago
17-04-2009, 04:14 PM
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Ok cool. My advice would be go on your own policy. Best way to build up a decent no claims bonus and also help you insure more powerful cars in the future.
17-04-2009, 04:26 PM
#19
14000+ post superhero
theyre not stupid. insurance companies know your going to be the main driver and not your dad so the premium quoted reflects this. its a right coont when your young.
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