Insurance Info.
Discussion
Afternoon,
Im interesting in buying a car, clio trophy if you must know. Anyway im 19 and my insurance is a knightmare to say the least. driving two yrs in december, plus 2 yrs named drivier no claims. Anyway im interested in putting this in my mums name and me as a named driver. Are the insurance company likely to turn around and say, "I don't believe a 44 yr old women would be the main driver of a trophy" so they might turn me around? It's about three and a half grand for the insurance in my own name... Any help would be great.
Simon
Im interesting in buying a car, clio trophy if you must know. Anyway im 19 and my insurance is a knightmare to say the least. driving two yrs in december, plus 2 yrs named drivier no claims. Anyway im interested in putting this in my mums name and me as a named driver. Are the insurance company likely to turn around and say, "I don't believe a 44 yr old women would be the main driver of a trophy" so they might turn me around? It's about three and a half grand for the insurance in my own name... Any help would be great.
Simon
Edited by SirSimon on Monday 22 October 15:49
If you're going to be the main driver and purposely try to mislead the insurance company you'll probably find you're committing fraud.
You'll have no difficulty in setting up the policy, but should you need to claim, especially if the amount is quite high, the insurance company will start looking quite hard at ways to get out of paying.
You'll have no difficulty in setting up the policy, but should you need to claim, especially if the amount is quite high, the insurance company will start looking quite hard at ways to get out of paying.
Agreed with above.
As an aside, wonder how you measure "main driver". Is that the person doing the most miles or the person who spends the most time in the car.
For my wife's car - she does all the local driving but I do the main long journeys. Does that make me the main driver as I do more miles ...
As an aside, wonder how you measure "main driver". Is that the person doing the most miles or the person who spends the most time in the car.
For my wife's car - she does all the local driving but I do the main long journeys. Does that make me the main driver as I do more miles ...
I believe they're very unlikely to challenge the likelihood of your mother wanting to drive such a car. But if they are looking for £3,500 a year (!) to insure you in your own name they're quite likely to want a fair whack to add you on, or possibly refuse altogether. They're also likely to do a lot more digging if you do need to make a claim when you were driving.
Have you tried all the specialist insurers? A lot of them like Adrian Flux don't necessarily show up on comparisson sites like confused.com but can be good.
Have you tried all the specialist insurers? A lot of them like Adrian Flux don't necessarily show up on comparisson sites like confused.com but can be good.
Have you tried (perfectly legally!) to get a quote with you as the main driver and your mum as a named driver? This can often bring premiums down for younger drivers, and is fine to do. What you're suggesting to do will at worst get you into trouble, and at best eventually get your policy cancelled.
I know this sounds harsh but the cost reflects the risk.
Now that means to me that you are a bit of a liability on the road [you may prove to be the greatest road driver on the planet, but as yet that is unproven] and in the light of the claims on record you are very liely to do yourself, your car or [heaven forbid] someone else damage.
I see it as a sort of... "Yeah we'll cover you if you insist." but really... "Wouldn't you be better off proving that skill you are confident you mhave in a less powerful car?"
I have to say that I have a great deal of sympathy for that stance.
Sorry, I know it's not what you want to hear, but it is the truth.
Now that means to me that you are a bit of a liability on the road [you may prove to be the greatest road driver on the planet, but as yet that is unproven] and in the light of the claims on record you are very liely to do yourself, your car or [heaven forbid] someone else damage.
I see it as a sort of... "Yeah we'll cover you if you insist." but really... "Wouldn't you be better off proving that skill you are confident you mhave in a less powerful car?"
I have to say that I have a great deal of sympathy for that stance.
Sorry, I know it's not what you want to hear, but it is the truth.
SirSimon said:
...my insurance is a knightmare...
Well, SirSimon.... Spellcasting...
S. E. C. O. N. D. D. R. I. V. E. R.
Ahh... sh** they found me out...
(Sorry couldnt help it.)
(Sorry also to those who did not watch this in their childhood... it just brought it all back!)
Edited by JustinP1 on Monday 22 October 16:18
The trouble is the insurance premiums are related to statistics more than actual power/experience ratio.
I had a Nissan Sylvia (140bhp RWD bit of a death trap!) when I was 18-19 and the insurance wasn't too bad because they're not a classic boy racer car. I was paying less than my mates were for XR3Is and Golf GTIs. I imagine Clio Trophy is very much a boy racer car that's had a lot of claims against it!
I had a Nissan Sylvia (140bhp RWD bit of a death trap!) when I was 18-19 and the insurance wasn't too bad because they're not a classic boy racer car. I was paying less than my mates were for XR3Is and Golf GTIs. I imagine Clio Trophy is very much a boy racer car that's had a lot of claims against it!
Brother Mycroft said:
I know this sounds harsh but the cost reflects the risk.
Now that means to me that you are a bit of a liability on the road [you may prove to be the greatest road driver on the planet, but as yet that is unproven] and in the light of the claims on record you are very liely to do yourself, your car or [heaven forbid] someone else damage.
I see it as a sort of... "Yeah we'll cover you if you insist." but really... "Wouldn't you be better off proving that skill you are confident you mhave in a less powerful car?"
I have to say that I have a great deal of sympathy for that stance.
Sorry, I know it's not what you want to hear, but it is the truth.
I agree with this.Now that means to me that you are a bit of a liability on the road [you may prove to be the greatest road driver on the planet, but as yet that is unproven] and in the light of the claims on record you are very liely to do yourself, your car or [heaven forbid] someone else damage.
I see it as a sort of... "Yeah we'll cover you if you insist." but really... "Wouldn't you be better off proving that skill you are confident you mhave in a less powerful car?"
I have to say that I have a great deal of sympathy for that stance.
Sorry, I know it's not what you want to hear, but it is the truth.
I was in the same situation at your age, and I guess most PHers are/were too.
The only way round I found was to 'cut loose' from parents no claims with a smaller car and have that for a couple of years. Keep your nose clean driving a 1.2 or a 1.4 on your own insurance and then get the 'big car'. I started off with an Escort estate, then a Rover 214 before moving up to the BMW M3 at 21 then the TVR at 24. As I kept my nose clean my insurance for the Tuscan was only £1200.
Though if you have already bought the car then this does not help you much...
The short answer is that you will probably get the insurance company to belive that it is your Mum's car. Although she will have to state that she is the owner/registed keeper which she will have to be. That will work fine, although unless you go with Direct Line and stay with them, you still arn't getting your own no claims.
The problem comes if she is not really the main driver or a driver at all then morally and legally you have given false information in order to get the insurance. Insurance companies you may not be aware don't like paying out, and if the claim is particularly large then they will do anything not to even going to the length of asking neighbours who actually drives the car etc... so you *may* get problems if you have to claim.
It just depends whether it is personally worth the risk. Maybe.. maybe not.
Insuring the car in your Mum's name and being a named driver when it's actually your car and you're the main driver is known as "fronting" and is insurance fraud.
The insurance company are very wise to it.
DO NOT DO THIS.
They will take your money and when you come to claim they will investigate you, your car and anything else they can to wriggle out of paying.
You will not be insured.
It's a sad fact of life that when you're young insurance is very expensive. We've all been there, but the only solutions are to run a low insurance group car for a couple of years, or become a footballer. I've got a client who is 19 with a Vanquish, and he pays 25,000 a year with a 10,000 excess.
The insurance company are very wise to it.
DO NOT DO THIS.
They will take your money and when you come to claim they will investigate you, your car and anything else they can to wriggle out of paying.
You will not be insured.
It's a sad fact of life that when you're young insurance is very expensive. We've all been there, but the only solutions are to run a low insurance group car for a couple of years, or become a footballer. I've got a client who is 19 with a Vanquish, and he pays 25,000 a year with a 10,000 excess.
Edited by Vesuvius 996 on Monday 22 October 16:35
Just bear in mind that your mum will also get into serious trouble if fronting is proven. She may well find it very very difficult to get insurance again.
Now YOU may well not care about your future circumstances, but depending on what you mum does, it could possibly cost her her job too.
Fronting is sometimes difficult to prove. The omburdsman doesn't always find for the insurer, despite a car full of College books and System of a Down tapes.
Chances are you will get away with it to be honest. But the risks are pretty big for all involved.
Bear in mind, any time you have a claim will probably be the first time you have made a claim. It will be the 20th call that day for the handler. You will sound just that little bit too polished in your story perhaps, to people who have usually crashed. Or too matter of fact. Or un-cooperative. Or too casual. Whatever, chances are alarm bells will ring.
Now YOU may well not care about your future circumstances, but depending on what you mum does, it could possibly cost her her job too.
Fronting is sometimes difficult to prove. The omburdsman doesn't always find for the insurer, despite a car full of College books and System of a Down tapes.
Chances are you will get away with it to be honest. But the risks are pretty big for all involved.
Bear in mind, any time you have a claim will probably be the first time you have made a claim. It will be the 20th call that day for the handler. You will sound just that little bit too polished in your story perhaps, to people who have usually crashed. Or too matter of fact. Or un-cooperative. Or too casual. Whatever, chances are alarm bells will ring.
Edited by Noger on Monday 22 October 17:06
Vesuvius 996 said:
It's a sad fact of life that when you're young insurance is very expensive. We've all been there, but the only solutions are to run a low insurance group car for a couple of years, or become a footballer. I've got a client who is 19 with a Vanquish, and he pays 25,000 a year with a 10,000 excess.
Although that's still stupid money, it doesn't sound high enough to me.Sheriff JWPepper said:
Vesuvius 996 said:
It's a sad fact of life that when you're young insurance is very expensive. We've all been there, but the only solutions are to run a low insurance group car for a couple of years, or become a footballer. I've got a client who is 19 with a Vanquish, and he pays 25,000 a year with a 10,000 excess.
Although that's still stupid money, it doesn't sound high enough to me.There isn't enough money in the world for that to make me feel safe.
I'm getting old... I actually feel uncomfortable with the thought of a 19yo with a Vanquish... reminds me of that gay/fag magician and the lion thingy that kicked off a year or two back... you knew it had to happen and it was funny, but the Vanquish simply has no funny side at all!
Sheriff JWPepper said:
Vesuvius 996 said:
It's a sad fact of life that when you're young insurance is very expensive. We've all been there, but the only solutions are to run a low insurance group car for a couple of years, or become a footballer. I've got a client who is 19 with a Vanquish, and he pays 25,000 a year with a 10,000 excess.
Although that's still stupid money, it doesn't sound high enough to me.That quote for the vanquish is either bo
ocks or the guy whose paying needs to find a different insurer. On a fleet policy my friend aged 17 for 250 extra notes was insured on a 840ci, E320, 318i and a RR.
to the OP - I have known a few people who have "fronted" it can be done but remember its technically illegal and make sure your mum drives at least sometimes!! or you could try a fleet insurance policy for all the cars in the household (if there are enough)
ocks or the guy whose paying needs to find a different insurer. On a fleet policy my friend aged 17 for 250 extra notes was insured on a 840ci, E320, 318i and a RR.to the OP - I have known a few people who have "fronted" it can be done but remember its technically illegal and make sure your mum drives at least sometimes!! or you could try a fleet insurance policy for all the cars in the household (if there are enough)
Edited by FiveStar on Monday 22 October 16:58
SS2. said:
Noger said:
Indeed. For £50,000 deposit with da gubnerment, they could not bother with insurance at all !
Think you might have dropped a '0' there, Noger..
£500,000 to be kept deposited with the AG of the Supreme Court, IIRC..
Still have no idea who this magician and his lion is !
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