thinking of buying a van, but being 18 will insure f*ck me over?
29-08-2010, 07:40 PM
#1
thinking of buying a van, but being 18 will insure f*ck me over?
was thinking t200 connect/fiat scudo, what will insure be like? its 4k to insure my focus 1.8 zetec
so am thinking a van would be cheaper? am it would suit me better then a car aswel
so am thinking a van would be cheaper? am it would suit me better then a car aswel
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30-08-2010, 12:36 AM
#21
Transit Connect Owner
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hey mate,
i'm 18 and i've got a transit connect T220, fully comp under me step dads name too and thats little over £1000 at the moment, was £1650 last year.
Good little van transit connect if its well looked after
i'm 18 and i've got a transit connect T220, fully comp under me step dads name too and thats little over £1000 at the moment, was £1650 last year.
Good little van transit connect if its well looked after
30-08-2010, 12:49 AM
#22
PassionFord Post Whore!!
30-08-2010, 01:13 AM
#24
PassionFord Post Whore!!
30-08-2010, 01:37 AM
#25
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its my van that i paid for but it is in my step dads name, i was 16 when we got it so he put it under his and we kept it that way for ease and insurance purposes 
30-08-2010, 08:18 AM
#26
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30-08-2010, 10:15 AM
#27
PassionFord Post Whore!!
That's called "fronting" and if you ever had to make a claim the insurance could tell your step-dad to do one.
Besides, why would anyone want a van that gets a lower speed limit - the Connect is NOT a car-derived van.
30-08-2010, 10:19 AM
#28
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who said that i am the main driver of the van?
technically its his van because its in his name and insurance is to, i just paid for it
and i don't mind having a van that comes in the lower limit class, it doesn't matter, the vans don't go super fast anyway, well unless its got a cossy 4x4 on it..
technically its his van because its in his name and insurance is to, i just paid for it
and i don't mind having a van that comes in the lower limit class, it doesn't matter, the vans don't go super fast anyway, well unless its got a cossy 4x4 on it..
30-08-2010, 10:40 AM
#29
PassionFord Post Whore!!
You implied it!
"I've got a Transit Connect"
"It's my van that I paid for"
The person who pays for the vehicle is the owner - the V5 actually says that the registered keeper is not the owner.
If you need to claim, where is his "Beneficial Interest" in a van that he neither owns nor uses?
And that's before the insurers start talking about risk-profile for a young inexperienced driver versus a more mature and experienced one.
Your van, your call, but I don't approve of some people circumventing the rules when that then has an impact on the premiums I have to pay (something like £30 each) for uninsured drivers, and that is what you could end up being in the event of a claim.
"I've got a Transit Connect"
"It's my van that I paid for"
The person who pays for the vehicle is the owner - the V5 actually says that the registered keeper is not the owner.
If you need to claim, where is his "Beneficial Interest" in a van that he neither owns nor uses?
And that's before the insurers start talking about risk-profile for a young inexperienced driver versus a more mature and experienced one.
Your van, your call, but I don't approve of some people circumventing the rules when that then has an impact on the premiums I have to pay (something like £30 each) for uninsured drivers, and that is what you could end up being in the event of a claim.
30-08-2010, 12:31 PM
#30
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Yes as i said i did pay for it so it is my van as you said, although i am not the main driver i use it from thursday - saturday night/sunday morning and my step dad drives it during the week to work etc.
I am insured on the cover and i am not bending the rules as the van is registered is in his name, he is the main driver and i am a named driver.
that is right is it not?
there is no record to say that the van is mine surely if the registered keeper is in his name it technically belongs to him whilst registered?
some people seem very touchy on here, i am not like the "stereotype" 18 year old that dashes around in a corsa/106/saxo thinking they are a ferrari.
i use the van for work purposes, to transport my disco gear from A to B - usually around 25 miles a week if, not to race and throw around.
anyway off topic.... get a transit connect - it's a nice van to drive.
I am insured on the cover and i am not bending the rules as the van is registered is in his name, he is the main driver and i am a named driver.
that is right is it not?
there is no record to say that the van is mine surely if the registered keeper is in his name it technically belongs to him whilst registered?
some people seem very touchy on here, i am not like the "stereotype" 18 year old that dashes around in a corsa/106/saxo thinking they are a ferrari.
i use the van for work purposes, to transport my disco gear from A to B - usually around 25 miles a week if, not to race and throw around.
anyway off topic.... get a transit connect - it's a nice van to drive.
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