View Full Version : Need super cheap insurance
Hey all,
Just applied for my provisional so am thinking about cars already.
Really want some advice on how to get my insurance (Ideally £1500 or below, don't know if this is unrealistic?) We do have 2 cars at current so perhaps one of these multi-car deals? I don't know anything about them.
Advice please, thanks
Go Compare!!!!
No seriously, put your details into the comparison websites as though you have just passed your test and see what sort of offers you can get. I know that for some insurers (not many) doing the pass plus can take hundreds off the quote
Obviously you haven't watched TV ever :D :P.
SilveR_172
17-12-10, 16:44
Obviously you haven't watched TV ever :D :P.
Lol true ,
It all depends on the car too what cars are you looking at , i remeber i did a quote when i was thinking about cars and i was looking for a Realistic Car a MK 1 Clio , HOT
Did the Confused.com Cam back lowest 2.5K So best is get your parents to insure you on yor own car and put you down as a second driver can take Thousands off the insurance mate
watercooled
17-12-10, 16:46
Lol true ,
It all depends on the car too what cars are you looking at , i remeber i did a quote when i was thinking about cars and i was looking for a Realistic Car a MK 1 Clio , HOT
Did the Confused.com Cam back lowest 2.5K So best is get your parents to insure you on yor own car and put you down as a second driver can take Thousands off the insurance mate
thats what i did for the first few years
dont bother getting your own just yet dont waste your money
Get on your parents def :thumb:
Also, use a couple of comparison websites and THEN take the cheapest quote, and try going directly to that company's website.
I saved £100's off the comparison price :p
Personally i would say go with your own insurance, going on your parents means you wont earn an no claims bonus,
I found adding my dad and sister as named drivers to my insurance at 17 dropped it by £600!!!!! 1.4 polo was about £900 i think
Good to see everyone recommending the illegal approach.
Putting yourself as second driver on your own car to save on insurance is called Fronting and is against the law. If you do this and have an accident the insurance is technically null and void.
Look for a car that is in group 1 or 2 - and dont go for the corsa, saxo, clio etc route as they will always be higher due to the boyracer image they have with most insurance companies.
Personally i would say go with your own insurance, going on your parents means you wont earn an no claims bonus,
I found adding my dad and sister as named drivers to my insurance at 17 dropped it by £600!!!!! 1.4 polo was about £900 i think
This is a better method - add your mum as a named driver on your insurance should see a decrease of some kind and isnt illegal.
So best is get your parents to insure you on yor own car and put you down as a second driver can take Thousands off the insurance mateThis is appalling advice with potentially dire consequences and just as despicable as driving with no insurance. It's fraud, and the insurance company would be able to invalidate the claim, not mention you could end up with a fraud conviction and be unable to get insurance for anything ever again. Remember: insurance is accepted on "utmost good faith" i.e. you are expected to be scrupulously honest and volunteer any detail that may be significant when the insurer considers the premium.
If the worst happens and you cause an accident that leaves someone with brain damage, and they need a lifetime of care, a multi million £ payout would be expected. If there is no payout because you lied to the insurance company, then the injured person will have an even lower quality of life.
I have never been on anyone elses insurance. My first insurance on a 1 litre 106 was about £1500. Up until last week I was paying £35 a month of a 2 litre Vectra (with 5 years no claims now), so it is worth it.
My first insurance was with a young driver specialist. I think others do it too, but I got 12 months NCB after 6 months, and if I stayed with them a further 12 months, that got me 3 years NCB in total (bonus accelerator I believe it's called).
Check Bell, they are the cheapest for me by thousands. :)
I went on my dads insurance for the first 3 years of driving, I know it's illegal, but I reckon I probably saved around 4-5k by doing it.
It also allowed me to have nicer cars, I couldn't even get insured on my old 1.8 turbo Golf at 20 years of age on my own policy.
I had an accident when I was on my dads insurance, an old lady plowed into the side of me, the insurance companies wern't even interested in whether it was my car or not or whos insurance it was under. The car was even registered in my name.
Also for the record, comparison websites have always been alot more expensive for me. Cheapest quote I got for my car was £1800 odd, I am paying £780 with Bell! Not bad for a group 17 car :)
I had an accident when I was on my dads insurance, an old lady plowed into the side of me, the insurance companies wern't even interested in whether it was my car or not or whos insurance it was under. The car was even registered in my name.Just because you got away with it after a minor prang is no reason to advocate other people copy your behaviour. After a major accident everything will be investigated thoroughly.
I wasn't saying he should copy it at all, just posting my experience.
SilveR_172
17-12-10, 18:12
Just because you got away with it after a minor prang is no reason to advocate other people copy your behaviour. After a major accident everything will be investigated thoroughly.
I wasn't saying he should copy it at all, just posting my experience.
IMC Whats your problem ?
Me and Simon both offerd advice and for some reason you hate it with passion it seems ?
Lol true ,
It all depends on the car too what cars are you looking at , i remeber i did a quote when i was thinking about cars and i was looking for a Realistic Car a MK 1 Clio , HOT
Did the Confused.com Cam back lowest 2.5K So best is get your parents to insure you on yor own car and put you down as a second driver can take Thousands off the insurance mate
That's illegal.
SilveR_172
17-12-10, 18:17
That's illegal.
It actually isnt, its legal aslong as the other named driver also drives the car,
It actually isnt, its legal aslong as the other named driver also drives the car,
No - the first driver should be the main driver - ie the registered keeper and the person who uses the car the most, the named driver should be another person who may use the car occasionally.
Putting yourself as a named driver on a car you drive the most IS illegal.
Its an oldish article but it still applies - http://news.bbc.co.uk/1/hi/programmes/moneybox/7052569.stm
SilveR_172
17-12-10, 18:33
No - the first driver should be the main driver - ie the registered keeper and the person who uses the car the most, the named driver should be another person who may use the car occasionally.
Putting yourself as a named driver on a car you drive the most IS illegal.
Its an oldish article but it still applies - http://news.bbc.co.uk/1/hi/programmes/moneybox/7052569.stm
Yeah thats what i ment .. Thats the cheapest way
KarlHungus
17-12-10, 18:35
Try the comparison websites and phone a few companies, adrian flux are pretty easy on young drivers.
Another shout for bell.co.uk, website looks pretty crappy but they are part of admiral so all good
22, 5ncb, group 18 car, fully comp £700!!!
IMC Whats your problem ? My problem is the staggering ignorance and blasé attitude that you and people like you have about this. You are attempting to defend the indefensible, and for the reasons I've already outlined the potential consequences for someone severely injured in an accident are truly horrific.
It is not OK, it is insurance fraud, and you are driving without valid insurance if you do it. A quick google throws up numerous articles e.g.
http://www.guardian.co.uk/money/2010/jun/19/teenage-car-insurance
&
http://www.simpsonmillar.co.uk/news/news.aspx?newsid=937
There is no excuse or mitigating circumstances.
My problem is the staggering ignorance and blasé attitude that you and people like you have about this. You are attempting to defend the indefensible, and for the reasons I've already outlined the potential consequences for someone severely injured in an accident are truly horrific.
It is not OK, it is insurance fraud, and you are driving without valid insurance if you do it. A quick google throws up numerous articles e.g.
http://www.guardian.co.uk/money/2010/jun/19/teenage-car-insurance
&
http://www.simpsonmillar.co.uk/news/news.aspx?newsid=937
There is no excuse or mitigating circumstances.
1000th post btw :P.
go to a broker and see what they say... you might save a bit. But you really need to get a rubbish car to be able to afford it (unless you're Pullen :rolleyes:). I paid a good few K to get my bm insured when I got my licence :P but it was worth it :D
if you want a better car, you should ideally add yourself as a second driver.... drive carefully and you'll be fine :)
1000th post btw :P.well spotted :) I hadn't noticed because of the lecture :rolleyes:
if you want a better car, you should ideally add yourself as a second driver.... drive carefully and you'll be fine :)
Trouble is young male, nice car and drive carefully don't generally go so well together...
true, it went very well for me tbh, no accidents, no problems, clean licence :D
it's a choice... get a rubbish car, do what ever you want or get a better car & be careful
michaelkenward
17-12-10, 19:04
I second the idea of a broker. We use one and they save us a lot of money.
So best is get your parents to insure you on yor own car and put you down as a second driver can take Thousands off the insurance mate
As others have suggested, insurance companies are wise to this one. You may find that it is illegal.
If they find this out after an accident, they may well refuse to pay out.
You might, though, find that the family's insurance company has deals for such circumstances.
As others have suggested, insurance companies are wise to this one. You may find that it is illegal.
If they find this out after an accident, they may well refuse to pay out.
but they need some evidence that he was the main driver. That's not easy to prove..... if they can't do that & they refuse to pay out, you can take them to court - you need to ask yourself 1 question, is it worth the hassle?
I know of websites like GoCompare, I was looking for legal ways of bringing down the cost, eg the putting parents as named drivers and me as the main driver.
Cheap car with a slightly bigger engine, look at a mk4 golf 1.6. My quote with admiral, direct only mind is £1200!!!!!! 1 year 6mths license, no no claims.
Cheap car with a slightly bigger engine, look at a mk4 golf 1.6. My quote with admiral, direct only mind is £1200!!!!!! 1 year 6mths license, no no claims.
Why are all of my quotes coming out at over 3k? I don't live in a dodgy area either, can't figure out what it is.
it depends on what car you've chosen
KarlHungus
18-12-10, 10:26
Friend of mine passed his test last year and as his first car got a saxo vtr 1.6
His insurance at the cheapest he could get was £1700, that was with adrian flux.
GentleGiant
18-12-10, 11:13
As someone who has just been through this with my son.
Buy a CHEAP car, under £1000; it wont make a lot of difference to the cost of the policy, but if you crash it you can hopefully avoid informing your insurer and save even larger premiums next year.
A LOT of young drivers crash in the first 6-12months AFTER passing their test; the first few months you are still nervous and drive carefully, but after, as you start to gain confidence, you get c o c k y, and that usually leads to a crash.
If you are lucky, you hit a tree or a wall, or in my sons case a HGV trailer, so there is no damage other than your car to deal with.
Although everyone will tell you to go for a group 1 or 2; there is very little difference in premium for a new driver up to at least group 5-6.
ADVICE
Look for a make and model that are not popular, that way you can get the newest/best condition car for your money.
My son's friends were driving around in mega mileage Fiestas, Escorts and Clios that they bought for £500 - £700.
I bought my son a low mileage, immaculate condition Skoda Felicia for £350 (from a Mobility dealer); and when he wrecked that 6 months later, another older version of the same car for £120 !!! (6 months tax and 8 months MOT!!)
Use the comparison websites and experiment with various options; I found that adding me as 2nd driver upped the cost by £50, but that adding his Grandmother lowered it by £300!!!
(That is MAD, I have no points on my license and she has 6!!).
If you go for insurance while still on a provisional license it will be a LOT cheaper, but be aware that the really cheap options also have the biggest increases when you pass your test; I wont name the insurer, but they typically quote £750ish for Provisional then bump it to £6-8,000 when you pass your test!!
(Failing to notify your insurer of a change of license means your insurance is invalid - take note all you boy racers still driving on your provisional policy)
There is no substitute for time behind the wheel, if your parents put you on one of their policies as a provisional, MAKE USE OF IT. My son's skills were extremely poor, even after 3 months of driving lessons, but a few weeks after buying him the Skoda and taking him out for 6-8 hours every weekend he improved beyond belief.
WHY I BOUGHT A SKODA FELICIA
A suitable size for a 6ft+ teenager, most low insurance group cars have pedals suitable for a small woman/12 year old boy.
Price
If you shop around you can pick up these cars for very little money.
Reliability
The Felly was the first car made with input from VW, it was so good in it's day that VW rebadged the pickup version as the VW Caddy van.
Parts and Running Costs
Plenty of them available BRAND NEW and dirt cheap, a wing can be had NEW for £19, and the 1.3 engine is simple and easy to keep going. (avoid 1.6 or Diesel)
Condition
Most of them were bought as "retirement cars", so they have often done low miles and been well maintained. The main weak points are rusty wheel arches (can get new ones to weld on), and leaking sunroofs/windscreens.
MPG & Performance
A 1.3 that has had it's engine looked after will still do 0-60 in about 11 seconds and average 40+ mpg.
Even one where the engine hasnt been serviced properly can be restored cheaply with new plugs, timing chain and a 1/2 decent oil.
The 98 "S" 1.3 Gli Estate (52,000 miles), I bought my son gave 49.8 mpg while he was learning to drive, and never gave less than 40 mpg after he passed his test.
(Sales pitch for Skoda Felicia over)
michaelkenward
18-12-10, 12:10
Wow, real advice based on genuine experience.
(Failing to notify your insurer of a change of license means your insurance is invalid - take note all you boy racers still driving on your provisional policy)
Which means that should you ever get stopped and asked for your documents you could be in deep doo doo, even if you have done nothing wrong.
At one time there was an insurance policy that charged accortding to the time of the day that you were driving. They had a box in the car. Go out at night and the cost went through the roof.
This was a temporary experiment by one company. I don't know if it is available as a comercial deal.
Funnily enough I was looking at Felicia's / Fabia's
Sent from my HTC Desire using Tapatalk
try looking up the prices for something like this: http://www.autotrader.co.uk/classified/advert/201050375330416/
lolol good luck getting insurance under £1500 :D
I passed in November this year, and am getting quoted around £3200.
you can also try going directly to e.g. direct line as they are not on compare.com and any other websites. You might get a good deal there. Just had a look on compare.com to insure an old fiat in manchester and got some ridiculous prices :O maybe it's the area I was trying.....
try I-Kube, they put a tracker in your car and you cant drive between 11pm and 5am, some people's it has halved! I will try them, im unlikely to be driving at 1am :P
And if you REALLY need to, then you can pay £50 penalty for driving in the hours. Still cheaper than normal. And, it's fully comp :)
never heard of them, but the penalty is £100
The i-kube unit uses GPS technology in order to transmit a signal to advise the insurance company when the vehicle is driven between the hours of 11.00pm - 05.00am. If you drive during these hours (known as Red Hours) you will incur an additional premium of £100.
let us know what they quote you :) might use them in the future
GentleGiant
19-12-10, 14:45
Felicia's are so cheap to run, any other car seems expensive, even the excellent Fabia.
most small engine (known) cars are cheap to run
InvaderGIR
19-12-10, 17:30
Did the Confused.com Cam back lowest 2.5K So best is get your parents to insure you on yor own car and put you down as a second driver can take Thousands off the insurance mate
Which is fronting and illegal!
This does my nut in, people should not be recommending this as it is illegal whatever you want to think. :mad:
By all means take out a policy in your own name and add your parents as named drivers, that's perfectly fine, but do not get them to take out a policy on your car with you being added as a named driver.
As for getting cheap insurance, tough, basically. Insurance for young drivers is expensive these days, there is nothing you can do about it, if you want to drive then you'll just have to lump it and pay up. The only things that will help are not comparison sites, phone around insurers and also add your parents as named drivers as this usually lowers the premium and is legal.
You aren't allowed to discuss software piracy or any other illegal activity on this forum. Thats not just limited to computers. Fronting is conceivably even worse. Not only is it 100% against the law but you aren't just dealing with software. You are dealing with people's lives.
From now on, anyone suggesting fronting again will be dealt with in the same way as anyone else suggesting ways to break the law.
InvaderGIR
19-12-10, 18:23
YOU DA MAAAAAN! :D :cool:
lol, I agree, fronting is dumb, because, frankly, the point of insurance is to protect you and other road users. Fronting just pushes others' premiums up to cover for them. If everyone fronted, premiums would be massive for everyone. If no one fronted, premiums would be low for everyone. Some do it, making it cheap for them and expensive for others. It's selfish, and, as said, completely illegal!
I have been waiting to phone ikube for weeks, need to get around to doing it :X
InvaderGIR
19-12-10, 18:51
The thing is, fronting also means you often don't gain any NCB, which means when you finally get your own policy, you'll have silly quotes still. I got my own policy at 17 and started sorting NCB...but messed that up with an accident. :p
GentleGiant
19-12-10, 19:41
The thing is, fronting also means you often don't gain any NCB, which means when you finally get your own policy, you'll have silly quotes still. I got my own policy at 17 and started sorting NCB...but messed that up with an accident. :p
Which is why a cheap first car is ideal. If you can avoid hitting anything that will require you to claim on your insurance you can just walk away from the broken car and buy another one.
@Cinek There are very few cheap, old cars that will do 40-50mpg for URBAN use without resorting to a diesel engine which will cost you double in road tax and probably have Galactic mileage
You look at a small petrol engine Renault, Ford etc, and mid 30's is about the best you can get even on a long run, unless you look at a newish car; and with most new drivers having some kind of accident in their first year, you dont want to smash up a newer car and pay even more in insurance !!
Actually, there's a twist.
My quotes:
£2000 Corsa, 3rd Party = £3600, from Quinn (for reference)
£4500 Corsa, 3rd Party = £3186, from Quinn.
A more expensive car you will *supposedly* look after more, hence less chance of an accident = cheaper premium.
oh, and just for lols, those are for a 1.2 Corsa. If I put in a £5000 1.8 Corsa (0-60 in about 7 secs), I am quoted £3500 with Quinn. The difference is so minimal.
A few years ago, I was looking at a car.. It was a Group 6 band I think - can't remember what car it was though..
Anyway - the best quote I got was about £260 for the year.. I then scrolled to the bottom and someone else was quoting over £14000!! :lol: :lol: :lol:
Am hoping to give I-Kube a ring later in the week. Really not bothered about 11am - 5pm curfew.
Am hoping to give I-Kube a ring later in the week. Really not bothered about 11am - 5pm curfew.
let us know what quote you get & for which car....
InvaderGIR
19-12-10, 20:32
Am hoping to give I-Kube a ring later in the week. Really not bothered about 11am - 5pm curfew.
That sounds utter poo to me, removes social life and the point in a car in my opinion...to be able to use it as and when you want. Certainly means you can't drive to college or get a job where you work early in the morning or late in the evening.
I find I get £300-£400 quotes on small econoboxes and £500+ on anything mildly interesting, which is why I spent £550 to insure the 318iS. Spent £800 insuring the 328i a year ago...I love being oldish. :p :D
that's true, but if he gets a low quote, it's worth it - if it's like £200 difference, I wouldn't even consider it
michaelkenward
19-12-10, 22:13
lol, I agree, fronting is dumb, because, frankly, the point of insurance is to protect you and other road users. Fronting just pushes others' premiums up to cover for them. If everyone fronted, premiums would be massive for everyone. If no one fronted, premiums would be low for everyone. Some do it, making it cheap for them and expensive for others. It's selfish, and, as said, completely illegal!
I suspect that the cost of paying for uninsured drivers, another hit on law abiding citizens, dwarfs the cost of "fronting", but as yet I have seen no mention of the implications of this practice for the parents.
Insurance companies know that this goes on. Try to claim as a young driver and they may well investigate and decide that this is a dodgy policy, refusing to pay up and putting a black mark on the parental record, not to mention wrecking their no-claims bonus.
The more you think about it, the more you have to wonder about the wisdom of the people who have suggested this idea.
InvaderGIR
19-12-10, 22:20
The insurance companies also can potentially seek to reimburse the costs incurred by charging the fraudulent party should an accident occur involving a third party where the third party is not at fault. When you think about how the costs of claims can build up easily and become very large, that is something you do not want to happen.
That sounds utter poo to me, removes social life and the point in a car in my opinion...to be able to use it as and when you want. Certainly means you can't drive to college or get a job where you work early in the morning or late in the evening.
I find I get £300-£400 quotes on small econoboxes and £500+ on anything mildly interesting, which is why I spent £550 to insure the 318iS. Spent £800 insuring the 328i a year ago...I love being oldish. :p :D
Wrong way round, 11pm - 5am.
I suspect that the cost of paying for uninsured drivers, another hit on law abiding citizens, dwarfs the cost of "fronting", but as yet I have seen no mention of the implications of this practice for the parents.
Insurance companies know that this goes on. Try to claim as a young driver and they may well investigate and decide that this is a dodgy policy, refusing to pay up and putting a black mark on the parental record, not to mention wrecking their no-claims bonus.
The more you think about it, the more you have to wonder about the wisdom of the people who have suggested this idea.
People who are insured on a 'fronting' policy ARE uninsured drivers.. If the insurance company investigates and finds out that the policy holder was not the main driver, that invalidates the insurance policy....
But yeah, I agree. Suggesting fronting is incredibly bad advice. Not only does just put a black mark on their insurance record - the 'older' person (ie, the parent) would actually stand to be prosecuted for committing insurance fraud and would potentially be in line for a jail term. I'm not sure what the implications are for the younger driver though..
Wrong way round, 11pm - 5am.
the early morning & late evening job still applies tho... if you get a job which requires you to start at 5am, or finish a bit late, lets say 10.30pm
InvaderGIR
20-12-10, 15:58
Wrong way round, 11pm - 5am.
Hahahaha...fail reading. :D
Still...that's pants. Used to finish work at 10pm then pick mates up and go to the cinema (hour's drive away), wouldn't be home until gone 1am when I were a lad (ie when I was 17-18).
A Ginger Sheep
20-12-10, 16:08
fair enough insurance companies may investiagte the whole fronting issue but how are they meant to prove that the parent does not use the car? all you have to do is lie and the insurance company cant prove otherwise, why do you think its so popular afterall?
The insurance company don't have to prove anything. Its up to the customer to prove beyond any doubt that the policy holder is the main driver..
michaelkenward
20-12-10, 16:20
fair enough insurance companies may investiagte the whole fronting issue but how are they meant to prove that the parent does not use the car? all you have to do is lie and the insurance company cant prove otherwise, why do you think its so popular afterall?
Is it so popular?
Insurance companies are not as stupid as you seem to think. More intelligent than some of the people here, I suspect.
Young son is driving clapped out old Skoda while dad's BMW sits on the drive. Young son wipes out innocent driver's Jaguar, perhaps killing a few people in the process. Family tries to claim on insurance. Loss adjuster says, "Fair dos, here is half a million quid".
The phrase "grow up" spring to mind.
InvaderGIR
20-12-10, 16:42
Here (http://www.echo-news.co.uk/news/local_news/castlepoint/8628264.Souped_up_car_was_not_legally_insured/) is proof about fronting being extremely stupid and illegal.
^ That is so true, but EVERYONE commits insurance fraud at some point.
You change your wheels - you have to phone your insurance company. You change your wiper blades, phone your insurance company.
If you were driving down the road at 65mph and your new windscreen wiper fell off because it wasn't suitable for the vehicle, and flew into someones eye, blinding them, the insurance company wouldn't pay out because the wiper wasn't stock.
Literally EVERY little change, exhaust, tinted windows, must be declared or they can decline your cover and void you. And, as shown, they will.
Does that mean that its ok to actively suggest it then?
InvaderGIR
20-12-10, 17:04
Literally EVERY little change, exhaust, tinted windows, must be declared or they can decline your cover and void you. And, as shown, they will.
No. Within reason any changes require you to inform your insurer. Wiper blades are not required, neither are tyres. If you're changing performance modifications (be that handling, speed, power) and blatant visual modifications then you need to inform them, else it's fine. If I change my indicator bulbs from orange to silver (orange when lit) I do not need to mention it. If I change my alloy wheels to some aftermarket chav tat then I do need to mention it.
I changed the exhaust on my car 6 months ago, from a BMW unit to a pattern part, as it is the same as the BMW unit I did not need to notify my insurers...you are suggesting I would need to. You need to grow up to be honest.
Does that mean that its ok to actively suggest it then?
I know this wasn't aimed at me, but I'll still answer it. No, it absolutely does not make it ok.
Lord no, I said earlier how it annoys me!
No I was just saying how easy it is to make that mistake, as seen in the link, but no where near to that extent!!
Invader I feel you may be wrong. A friend was changing his 15" alloys to another type of 15" alloys, and was charged £300 more, as the insurance company claimed they made the vehicle look more attractive to theives.
michaelkenward
20-12-10, 17:11
You change your wheels - you have to phone your insurance company. You change your wiper blades, phone your insurance company.
Someone else who pays too much attention to the Daily Mail.
These examples simply are not true.
But who cares about a few scare stories?
A Ginger Sheep
20-12-10, 17:13
just to point im neither arguing for or against it but im just pointing out that it will be very very difficult to prove anything. fair enough if its a well of family that has a 3 series the dad drives and a polo or fiesta the son drives, you would find it hard to get away with that. however take my family for example in which my dad drives a 2000 406 and if i was driving say a polo, not a great difference in the quality of the cars, my dad could very well argue that he drives the polo as an everyday car as well. just pointing out that its is very hard to do. and in my experience as well it is quite popular as ive heard of lots of people that are in my school doing it
Invader I feel you may be wrong. A friend was changing his 15" alloys to another type of 15" alloys, and was charged £300 more, as the insurance company claimed they made the vehicle look more attractive to theives.
Thats something thats visual very and would be worth more than the original alloys... You don't need to tell your insurance company about things like wiper blades, tyres etc..
There are always exceptions, but as a rule of thumb, its basically things that make it go faster or make it potentially worth more.
InvaderGIR
20-12-10, 17:22
Invader I feel you may be wrong. A friend was changing his 15" alloys to another type of 15" alloys, and was charged £300 more, as the insurance company claimed they made the vehicle look more attractive to theives.
Already covered that in my post. :confused: But yes, you should be telling them of anything like that as if it increases the value of the car, they know if it's more likely to be stolen or if they have to pay more if you require a pay out. As for £300, must live in a very rough area, never had anything add much at all to my insurance.
just to point im neither arguing for or against it but im just pointing out that it will be very very difficult to prove anything. fair enough if its a well of family that has a 3 series the dad drives and a polo or fiesta the son drives, you would find it hard to get away with that. however take my family for example in which my dad drives a 2000 406 and if i was driving say a polo, not a great difference in the quality of the cars, my dad could very well argue that he drives the polo as an everyday car as well. just pointing out that its is very hard to do. and in my experience as well it is quite popular as ive heard of lots of people that are in my school doing it
Insurance companies can send out assesors who could ask your neighbours, colleagues etc. "who drives x car more?" they can also see that your father has a 406 that you're not named on and a Polo that you are named on. Add 2+2 and you've got obvious fronting. It's not difficult to suss it out. If your father had a license but didn't drive, you bought a Polo (had him as registered keeper) and he insured it with you as named simply to aid lowering your premium, then yes, they'd not have a clue.
I know a lot of people that do and have done it, but that doesn't make it legal or right. ;)
It's all being thrown at Faz today, lol...
I don't read the Daily Mail, never have and never will, it's good for toilet paper and that's about it.
I don't live in a rough area at all, though it is funny how much difference a postcode can make to the price.
I don't really get the point of this discussion, lol, we all agree fronting is wrong so what are we all arguing about :P
GentleGiant
20-12-10, 19:31
If your parent has another vehicle the insurance company will always assume the other vehicle is their main vehicle unless you tell them otherwise.
What you have to remember is that all the companies share information, so if someone shows up as main driver on more than one vehicle, they WILL know.
My thread has been ruined.
Added after 10 minutes:
Hahahaha...fail reading. :D
Still...that's pants. Used to finish work at 10pm then pick mates up and go to the cinema (hour's drive away), wouldn't be home until gone 1am when I were a lad (ie when I was 17-18).
I really don't think it'd effect me. I think the benefit outweighs the loss.
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