lower your insurance premium......
lower your insurance premium......
Author
Discussion

cjb1

Original Poster:

2,000 posts

180 months

Friday 19th October 2012
quotequote all
I got a quote for adding my spouse (wife) on to my policy as a provisional driver and it reduced my premium by over 30% from having just me as policyholder and our son as an additional driver on it? Worth a thought?

elliotff

174 posts

169 months

Friday 19th October 2012
quotequote all
Yes i find it weird sometimes. I remember back in the day i used to add 2 or 3 made up older people 65+ with 15+ no claims on my policy when i was 17 this would dramatically lower the policy cost.

Plus i would never need to prove they existed as they would never be driving the car ! therefore they cant make a claim!!!!

I still know young drivers that still do this its a big loop hole in the system !.

I also know it is useful to sometimes get insured on another policy (if it is cheap enough) so so you can say you have use of another vehicle/car.


Codswallop

5,258 posts

223 months

Friday 19th October 2012
quotequote all
elliotff said:
Yes i find it weird sometimes. I remember back in the day i used to add 2 or 3 made up older people 65+ with 15+ no claims on my policy when i was 17 this would dramatically lower the policy cost.

Plus i would never need to prove they existed as they would never be driving the car ! therefore they cant make a claim!!!!

I still know young drivers that still do this its a big loop hole in the system !.

I also know it is useful to sometimes get insured on another policy (if it is cheap enough) so so you can say you have use of another vehicle/car.

Insurance fraud is not very clever. Nor is it clever openly admitting to doing so online.

xreyuk

665 posts

174 months

Friday 19th October 2012
quotequote all
cjb1 said:
I got a quote for adding my spouse (wife) on to my policy as a provisional driver and it reduced my premium by over 30% from having just me as policyholder and our son as an additional driver on it? Worth a thought?
Welcome to the party everyone else was at 10 years ago wink

Kozy

3,169 posts

247 months

Friday 19th October 2012
quotequote all
Codswallop said:
Insurance fraud is not very clever. Nor is it clever openly admitting to doing so online.
Hardly fraud is it. Fraud would be telling them you're a 70 year old woman with no point when you're actually an 18yo bloke with a drink driving conviction.

What would you rather, someone tell a few white lies about some fictitious named drivers to get a price they can afford, or just not bother at all because the legalised racket want 40% of your income?

Rawwr

22,722 posts

263 months

Friday 19th October 2012
quotequote all
Kozy said:
Hardly fraud is it.
Apart from the fact it's definitely fraud.

AMST09

570 posts

209 months

Friday 19th October 2012
quotequote all
Someone mentioned today about having an app on your phone to help lower your premium not quite sure what it was about though?

GG89

3,693 posts

215 months

Friday 19th October 2012
quotequote all
elliotff said:
Yes i find it weird sometimes. I remember back in the day i used to add 2 or 3 made up older people 65+ with 15+ no claims on my policy when i was 17 this would dramatically lower the policy cost.

Plus i would never need to prove they existed as they would never be driving the car ! therefore they cant make a claim!!!!

I still know young drivers that still do this its a big loop hole in the system !.

I also know it is useful to sometimes get insured on another policy (if it is cheap enough) so so you can say you have use of another vehicle/car.

Do people actually make up named drivers that don't actually exist then? Interesting..

mrmr96

13,736 posts

233 months

Friday 19th October 2012
quotequote all
Codswallop said:
elliotff said:
Yes i find it weird sometimes. I remember back in the day i used to add 2 or 3 made up older people 65+ with 15+ no claims on my policy when i was 17 this would dramatically lower the policy cost.

Plus i would never need to prove they existed as they would never be driving the car ! therefore they cant make a claim!!!!

I still know young drivers that still do this its a big loop hole in the system !.

I also know it is useful to sometimes get insured on another policy (if it is cheap enough) so so you can say you have use of another vehicle/car.

Insurance fraud is not very clever. Nor is it clever openly admitting to doing so online.
Nothing to stop you adding real pensioners though.

jr502

487 posts

203 months

Friday 19th October 2012
quotequote all
AMST09 said:
Someone mentioned today about having an app on your phone to help lower your premium not quite sure what it was about though?
Random 1920's name generator? wink

Fartgalen

6,928 posts

236 months

Friday 19th October 2012
quotequote all
Codswallop said:
elliotff said:
Yes i find it weird sometimes. I remember back in the day i used to add 2 or 3 made up older people 65+ with 15+ no claims on my policy when i was 17 this would dramatically lower the policy cost.

Plus i would never need to prove they existed as they would never be driving the car ! therefore they cant make a claim!!!!

I still know young drivers that still do this its a big loop hole in the system !.

I also know it is useful to sometimes get insured on another policy (if it is cheap enough) so so you can say you have use of another vehicle/car.

Insurance fraud is not very clever. Nor is it clever openly admitting to doing so online.
Last policy I started in my daughters name (on a provisional license) they wanted more to add me as a named driver, and more again to add a mate of mine as a driver. Plus they wanted copies of all licenses.

Triumph Man

9,586 posts

197 months

Friday 19th October 2012
quotequote all
Rawwr said:
Kozy said:
Hardly fraud is it.
Apart from the fact it's definitely fraud.
I read this in Will Mckensie's voice.

louiebaby

10,955 posts

220 months

Friday 19th October 2012
quotequote all
mrmr96 said:
Nothing to stop you adding real pensioners though.
The way my wife's Grand-dad drives, I wouldn't want him anywhere near the driving seat of my car. He's always having his Hyundai Getz sorted out by one of the Car Medic type places...

GG89

3,693 posts

215 months

Friday 19th October 2012
quotequote all
louiebaby said:
mrmr96 said:
Nothing to stop you adding real pensioners though.
The way my wife's Grand-dad drives, I wouldn't want him anywhere near the driving seat of my car. He's always having his Hyundai Getz sorted out by one of the Car Medic type places...
He would just be a named driver to the policy to lower the premium. Not driving.

Lanxx

217 posts

196 months

Friday 19th October 2012
quotequote all
Rawwr said:
Kozy said:
Hardly fraud is it.
Apart from the fact it's definitely fraud.
Haha

g3org3y

22,464 posts

220 months

Friday 19th October 2012
quotequote all
Triumph Man said:
Rawwr said:
Kozy said:
Hardly fraud is it.
Apart from the fact it's definitely fraud.
I read this in Will Mckensie's voice.
biggrin

ZOLLAR

19,920 posts

202 months

Friday 19th October 2012
quotequote all
elliotff said:
Yes i find it weird sometimes. I remember back in the day i used to add 2 or 3 made up older people 65+ with 15+ no claims on my policy when i was 17 this would dramatically lower the policy cost.

Plus i would never need to prove they existed as they would never be driving the car ! therefore they cant make a claim!!!!

I still know young drivers that still do this its a big loop hole in the system !.

I also know it is useful to sometimes get insured on another policy (if it is cheap enough) so so you can say you have use of another vehicle/car.

Would be interesting when the insurance company requests to do a conference call with the drivers and the DVLA to check the licence and its history..

GG89

3,693 posts

215 months

Friday 19th October 2012
quotequote all
ZOLLAR said:
elliotff said:
Yes i find it weird sometimes. I remember back in the day i used to add 2 or 3 made up older people 65+ with 15+ no claims on my policy when i was 17 this would dramatically lower the policy cost.

Plus i would never need to prove they existed as they would never be driving the car ! therefore they cant make a claim!!!!

I still know young drivers that still do this its a big loop hole in the system !.

I also know it is useful to sometimes get insured on another policy (if it is cheap enough) so so you can say you have use of another vehicle/car.

Would be interesting when the insurance company requests to do a conference call with the drivers and the DVLA to check the licence and its history..
How often does that happen? If adding an older person is going to bring premiums down a LOT as they tend to do, I'm afraid it's a risk people are willing to take.

AMST09

570 posts

209 months

Friday 19th October 2012
quotequote all
I had to provide a copy of our licenses for everyone on the insurance

Donatello

1,035 posts

190 months

Friday 19th October 2012
quotequote all
Triumph Man said:
I read this in Will Mckensie's voice.
As did I haha