21 Years Old .. Bmw Car insurance ?

[dinz22]

The initial message was deleted from this topic on 25 September 2012 at 15:59

[Mikeyplum]

So you're thinking of fronting then? Not a good thing to admit on a public forum to be honest.

[Grenoble]

Some questions to help us answer better:

How old are you?
Who (honestly) uses the car, and for what purposes?
Do you personally own any other cars with full insurance?
What is your intended usage? (business, pleasure, etc)

[SLCZ3]

Just substitute his name, age and years a full license held, with yours and you should come up with a suitably eye watering figure.

[croyde]

[dinz22]

My Father would be the main driver , but at the same time i wanted to build up NCB ...
Im 21 and been driving for 4 years.
ive had no accidents and have a clean licence.

[dinz22]

Car will only be driven to get from a-b .. no long drives and not for work.

[Benbay001]

dinz22 said:

any ideas of insurance company's that will give me a good price ?

As of this week i pay £1100 per year as a 20 year old on a 400hp Jaguar S Type, as the named main driver through Admiral car insurance.

http://www.admiral.com/

I cant see why it should cost more than that for you, unless... you live in a scatty area of London/ Manchester/ Liverpool, or you have 0 ncb and have just obtained your licence?

[liller]

it's going to hurt, where ever you look. I pay £1100 a year for a 330ci coupe and I have (had) 4years NCB and I've been driving for 15 years.

If you don't want to pay much then fronting will be your only answer and that is generally frowned upon and the insurers easily catch people out these days.

[Efbe]

you bought a car, and didn't think about insurance?

now you want to front... sigh

[bob1179]

If it is your car and you will be doing all the driving the insurance needs to be in your name.

It will be bloody expensive.

But you will build up some NCB and it will come down over time. The big issue is if you get into any sort of scrape the insurance co. will be looking at your driving history very closely.

[Raize]

Maybe if you stop murdering kittens and puppies then your premium will come down. You monster.

[Grenoble]

So to be clear, you have bought a 330ci, your father owns a main car (hence his 7 years NCB) but he is going to be the main driver. You are going to use it for occasional, non work use?

Very kind of you to buy your father such a car to use as main driver!

[D15CO D4VE]

Hi be careful as this is classed as insurance fraud if you are the main driver, Try getting a quote and add your father as a named driver I know a few people who do this and has taken a sizable chunk off their insurance quotes. Bell insurance has always been cheapest for myself... admiral are the underwriters.

Edited by D15CO D4VE on Tuesday 25th September 15:30

[dinz22]

Who Ever is talking about fronting.. i have no intention of fronting as i said my father would be main Driver!

[Grenoble]

dinz22 said:

Who Ever is talking about fronting.. i have no intention of fronting as i said my father would be main Driver!

It's your use of language!

"I have bought a BMW 330ci m-sport convertible."

But your father is the main driver?

[3000GT ANT]

dinz22 said:

Hi Guys..

I have bought a BMW 330ci m-sport convertible.
Under my fathers name with his 7 year NCB i have found insurance for £1800

I would prefer to be under my own name..

any ideas of insurance company's that will give me a good price ?

Thanks

just in case.......Oh and you implied fronting..................I have bought a....under my fathers name... just my opinion :-)

[matt3001]

dinz22 said:

Car will only be driven to get from a-b .. no long drives and not for work.

Correct me if I am wrong, but the main purpose of a car is to go from A-B.

Only a select few (ok the majority) of people on here do journeys from A-A

[Grenoble]

dinz22...

You will get some much more constructive answers for insurance advice to this thread if you are very, very clear on:

Ownership of the car (important)
Who (honestly) uses the car, and for what purposes? (usage will be the main issue)
Do you personally own any other cars with full insurance? (may be options around mirror policies)

After that, you are in the realms of looking at Owners Club insurers, limited mileage, etc, all of which might give you a legal, valid and useful insurance policy.

But we need more information to be able to help you, and to help you avoid any risk of buying a policy that is subsequently not paid out on.

[Rawwr]

Yay! OP deletion!