New Driver Insurance Discount...?

Sony_SoFar

Sony_SoFar

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Lewis
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Evening All,

Passed my driving test today...yipee!
This evening I was looking around for insurance quotes and they were £2500ish.
I then found out that Direct Line give named drivers a build up of no claim discount. So my mum is the main driver and me and dad are named drivers. all this came to £1700. This seems very good for me to be getting NCD. But it states in their t&c's that not all insurers will accept the named driver ncd. Im 18 and dont want to shed out £2500 when I can possibly use Direct line.
Has anyone else ever used DL and build up ncd as a named driver and have any feedback?

Sony_SoFar
 
Congrats. :thumbs:

I have never used DL, but if you are going to insure the car with mum as the main driver then you need to make sure that she is!!!, otherwise you may find that the insurance is invalid.
 
Not only will it invalidate the insurance, you may be charged with fraud.

Believe me if you ever have to but down that an insurance company has invalidated your insurance be it motor or any other insurance, £2500 will be peanuts even if they will insure you
 
strumstrum said:
I seem to remember this being a loophole a few years back with kids going off to uni, a loophole that was soon closed. I would read and re read the t&cs
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It wasn't a loophole, it was always fraud its just that insurers didn't pick up on it as much. Nowadays they check very, very carefully if there's a claim.

If the OP is considering this he should google "fronting" and think again.
 
I've had a 600 and 750cc sport bikes at the age from 17 to 20 and paid upto £1600 to insure 3rd party.

After getting 3points it jumped to £2400

So i sold my bike and learnt to drive.
Passed and even after being 21 under my gf and gf's sister name its £1400 on a 1.4 98 plate astra!

It's all a rip off in my eye but you can't do a lot beside lie where its stored, who drives it or changing car.

Best of luck
 
Do you NEED to drive? It's far too expensive imo, but if you can afford it then go for it, you're really not going to get it much cheaper than that quote tbh. I'm still paying around £800 nearly 6 years after I passed.
 
Try adding your mum or dad onto your own policy as a named driver.
 
My friend did this with DL, was all high and mighty over it when I expressed my concerns as to whether other insurers would accept the NCD and the insurance fronting.

Built up 2 years ncd with them, had an accident, found out he was the main driver (as his rents had their own cars) so insurance company refused to pay out. Ended up with a banged up car he had to repair out of his own pocket.

Better still, after DL cancelled his policy due to him not being the main driver, no other insurance company would accept his 2 years NCD claiming DL and DL only will honour the NCD built up as a named driver on policies sold by them. Which they wont sell him because they caught him out.

Summary, he had a banged up car to repair and his premiums rose from about £800 a year to near £2000.

I have to admit, especially after expressing my concerns initially and him being all jumpy over it trying to argue to me it was the best thing ever, I did thoroughly enjoy laughing at him.
 
Unless I am wrong here the OP is not talking about taking out an insurance in his mum's name, what he is saying is he has been a named driver on his mum's insurance for the past 2 years and Direct Line offer what they call a named drivers no claim bonus :shrug:
I did this with my first car a few years back, having been named on my partners poicy for many years and got an immediate 60% NCB but if you wish to change my insurance companies, other comapanies don't always recognise this so after the first year he would go down to 33% if he changed companies whereas if he stayed with direct line it would be 50%
 
Whether it's fronting or not will depend on whether your mother has another car (in which case she'd obviously not really be the main driver) and what sort of car it is - trying to persuade the insurance company, in the event of an accident, that the lowered Saxo with bucket seats and the huge sub in the boot belongs to your mum might be a tad on the tricky side ;)
 
Gremlin said:
Unless I am wrong here the OP is not talking about taking out an insurance in his mum's name, what he is saying is he has been a named driver on his mum's insurance for the past 2 years and Direct Line offer what they call a named drivers no claim bonus :shrug:
I did this with my first car a few years back, having been named on my partners poicy for many years and got an immediate 60% NCB but if you wish to change my insurance companies, other comapanies don't always recognise this so after the first year he would go down to 33% if he changed companies whereas if he stayed with direct line it would be 50%
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I don't think anyone is suggesting the OP is actually saying he's going to get a "fronted" policy, the comments made have been gentle advise to the OP advising him to only be a named driver if he will be genuinely using the car less than the policy holder.

Seeing as the OP only passed his test yesterday, he couldn't have been on his Mum's policy long enough to build up 2 years NCB ;)

As Mank said, try doing the policy in your own name and add your parents as named drivers, this can seriously reduce yor premium and you build up NCB in your own right :)

Oh yeah, congrats on passing too :D
 
Gremlin said:
Unless I am wrong here the OP is not talking about taking out an insurance in his mum's name, what he is saying is he has been a named driver on his mum's insurance for the past 2 years and Direct Line offer what they call a named drivers no claim bonus :shrug:
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Not unless he was insured at the age of 16 :D:D

Clearly states he's 18 in the first post.
 
As someone suggested

get your mum or dad added as a named driver and sew how it comes out.
 
What car?

Have you tried getting a price for a 40 year old 850cc Mini or 875cc Hillman Imp? (You will have to telephone them as cars that old fall off the computers so can't usually be quoted online)
 
onomatopoeia said:
What car?

Have you tried getting a price for a 40 year old 850cc Mini or 875cc Hillman Imp? (You will have to telephone them as cars that old fall off the computers so can't usually be quoted online)
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my first car was a mini, i was told they were quite pricey as they were regular first driver cars. cost me £1000 back in the day (12-13 years ago) for a 998cc :suspect:
 
neil_g said:
my first car was a mini, i was told they were quite pricey as they were regular first driver cars. cost me £1000 back in the day (12-13 years ago) for a 998cc :suspect:
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My first car was an 1800cc Marina that cost me £500 when I was 18. £280 TPF&T. Bit more than 13 years ago though :( .

When I was 21 I bought a £295 Hillman Imp. £90 TPF&T insurance as my only car, with three years no claims.
 
Flash In The Pan said:
Whether it's fronting or not will depend on whether your mother has another car (in which case she'd obviously not really be the main driver) and what sort of car it is - trying to persuade the insurance company, in the event of an accident, that the lowered Saxo with bucket seats and the huge sub in the boot belongs to your mum might be a tad on the tricky side ;)
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We have two cars in our household. One is lowered, uprated intercooler, uprated brakes, performance exhaust and remapped. The other is standard.
Guess which is my car (I'm 49) and which is my son's (he's 20).;)
 
nilagin said:
We have two cars in our household. One is lowered, uprated intercooler, uprated brakes, performance exhaust and remapped. The other is standard.
Guess which is my car (I'm 49) and which is my son's (he's 20).;)
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The standard one would be your Son's as it'd probably cost a fortune for a 20 y/o to insure a car with those sorts of mods AND if it was obvious you wouldn't have mentioned it ;) :lol: :bonk:
 
It is not the car you have that causes the insurance to go up, it is the damage you can do (and young drivers are likely to do) with it.

I had a 1L Vauxhall Nova from my parents and moved to my own insurance and at the time it was £1000 a year. I then got a quote on a 2.0 Astra GTE and the insurance rose to £1250.
 
My ex was added to my car insurance with DL to take advantage of the accrual of NCB. However getting them to recognise this when she tried to insure her own car was a real battle and eventually we had them provide a letter stating she had x years of NCB which then became transferable and we went elsewhere. The success only came about because one of their call centre staff lied to us about something, I raised a complaint and was successful.

Incidentally, I had further issues with DL over a household claim, was again lied to and the subsequent complaint upheld with the matter eventually being resolved to my satisfaction. I wouldn't touch DL now.
 
Dale_d3100 said:
It is not the car you have that causes the insurance to go up, it is the damage you can do (and young drivers are likely to do) with it.

I had a 1L Vauxhall Nova from my parents and moved to my own insurance and at the time it was £1000 a year. I then got a quote on a 2.0 Astra GTE and the insurance rose to £1250.
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So by your logic a 17 year old could easily get insured on a Ferarri? (OK not a good example as a Ferarri is a lot faster)

Vehicle, age, driving history, mileage and address/location ALL play a part in insurance premiums.

I recently changed from a 1.8 focus zetec (x reg) to a 2.0 TDCi focus Titanium (55-plate) and my premium went up by £200.

It's not much quicker than my old car but it would cost a lot more to repair/replace ;)
 
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@Sony-so-far

Who is actually the registered keeper and main driver of the car?
 
Russ77 said:
So by your logic a 17 year old could easily get insured on a Ferarri? (OK not a good example as a Ferarri is a lot faster)

Vehicle, age, driving history, mileage and address/location ALL play a part in insurance premiums.

I recently changed from a 1.8 focus zetec (x reg) to a 2.0 TDCi focus Titanium (55-plate) and my premium went up by £200.

It's not much quicker than my old car but it would cost a lot more to repair/replace ;)
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The replacement cost has little bearing on the premium, I went from a group 1 (at the time, the groupings have changed now) car with a market value of £1500 to a Gp8 one valued at £10k and the difference was under £50, when I bought that previous car 4 years previously it replaced a 10 year old Citroen diesel, worth two balloons and a blow at the ragman's trumpet, and my
premium halved...
 
Lynton said:
@Sony-so-far

Who is actually the registered keeper and main driver of the car?
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MUM is reg keeper, and currently main driver. She will always have priority of the use od the car, even if i want to use it.
 
Direct Lines Named Driver NCB Discount only really applies if you insure through them, everywhere I tried a few years ago either didn't except it, or only gave a partial discount (and I am only talking <£50). It's a bit of a con really in a way, as Direct Line I have found ridiculously expensive to insure with (4 x as much as my cheapest in some cases).
 
neil_g said:
so she has an insurance policy on the car?

you cant add a second policy onto a single car if thats what youre trying to do?
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Also, if you DO happen to drive the car more than her, this is insurance fronting. :thumbsdown:
 
When I passed I was getting quotes of £1500+ on typical just started driving cars. I ended up with a Volvo 440 as my first car insurance quote went down to £600! worth looking at cars you don't like also (thats unless you already have one)

Get a classic or unusual car. join a owners club (usually £20-50 a year) and get classic or specialist insurance. I did this at 21 to own a Pontiac Firebird when my mates struggled to get insurance on their 10yr old astras/novas etc!

I'd always go for your own policy first, as stated if they think your folks are doing the policy for you and they don't drive the car more than you they wont pay and could cause issues when trying to get insurance.
 
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Sony_SoFar said:
MUM is reg keeper, and currently main driver. She will always have priority of the use od the car, even if i want to use it.
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Well in that case, that clears up any fronting issues.... :thumbs:

Don't know if it's still around or not, but there used to be a thing called pass plus, which driving instructors offered. Basically it was something like 6 hours involving driving on motorways , lots of dual carriageways etc etc....

Many insurers used to offer a 30% discount (equiv to 1 yrs NCB) for young drivers who had taken the pass plus. It used to cost about £100, so guessing about £150-£200 now if still about.
 
neil_g said:
so she has an insurance policy on the car?

you cant add a second policy onto a single car if thats what youre trying to do?
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Technically you could, though each insurer would only be liable for half the claims costs.
 
Flash In The Pan said:
The replacement cost has little bearing on the premium, I went from a group 1 (at the time, the groupings have changed now) car with a market value of £1500 to a Gp8 one valued at £10k and the difference was under £50, when I bought that previous car 4 years previously it replaced a 10 year old Citroen diesel, worth two balloons and a blow at the ragman's trumpet, and my
premium halved...
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But...... Note I said "repair"/replace as even though some vehicles may be cheap to replace, repairs may be expensive.

My point was there are lots of factors that come into play and it will vary from insurer to insurer
 
Russ77 said:
But...... Note I said "repair"/replace as even though some vehicles may be cheap to replace, repairs may be expensive.

My point was there are lots of factors that come into play and it will vary from insurer to insurer
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Yep. Some companies as few as 25-30, some as many as 70+


Lynton said:
Technically you could, though each insurer would only be liable for half the claims costs.
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And before anyone tells me I am talking crap here is a real life scenario.

I am currently insured with Aviva, and have Bus Class Cat A as a no cost option on the policy, which basically means I can use my car for purposes for my work, though my wife who is a named driver on my policy cannot use it for her work.... i.e. If work said "Can you just pop to x and do this" I would be insured, though my wife wouldn't be for a similar thing if she had my car at her work for the day.

I work for NFU Mutual who also own Avon Insurance which underwrites all our company cars and pool cars. There is also an addition to the policy which will cover any private car owned by an employee used during the cause of business.

Therefore, technically on the odd occasion I am using my car for work purposes (twice in 8 months) i am covered twice and in the event of any mishap could be split 50:50, though in reality I am sure Avon would cover 100%.

Oh and before anyone asks why I am not insured with the company I work for, I will be come renewal.
 
Have a look at the Co-Op and their young driver stuff here.

I think this has come from across the Atlantic. I heard about this the other day from speaking to a lad who had it fitted. Basically, you pay your insurance up front and you get refunds over the year for good driving practices (well, ones that reduce your chances of collisions etc).
 
Russ77 said:
So by your logic a 17 year old could easily get insured on a Ferarri? (OK not a good example as a Ferarri is a lot faster)

Vehicle, age, driving history, mileage and address/location ALL play a part in insurance premiums.

I recently changed from a 1.8 focus zetec (x reg) to a 2.0 TDCi focus Titanium (55-plate) and my premium went up by £200.

It's not much quicker than my old car but it would cost a lot more to repair/replace ;)
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Third Party Fire and Theft yes :p

Young drivers crash a lot, they cause lots of damage to other vehicles, buildings, roadside etc. Their premiums are high because of this. I could not afford Fully Comp when I was younger, only Third Party.

Once you get above 25 (might be higher) the age effect on the premium is reduced and the other factors have more effect.
 
I had a discussion with my insurers about who would be the main driver of my second car. (it is the wife's really but changing it to her name would mean it being classed as an additional owner, also some companies wouldn't insure the wife as main driver as she wasn't the registered keeper)
I asked what they classed as the main driver, I would cover more miles in the car but the wife would make more journeys, never really got the full answer.

This the problem the OP is likely to face as to who they would class as the main driver.
 
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Lynton said:
Yep. Some companies as few as 25-30, some as many as 70+





And before anyone tells me I am talking crap here is a real life scenario.

I am currently insured with Aviva, and have Bus Class Cat A as a no cost option on the policy, which basically means I can use my car for purposes for my work, though my wife who is a named driver on my policy cannot use it for her work.... i.e. If work said "Can you just pop to x and do this" I would be insured, though my wife wouldn't be for a similar thing if she had my car at her work for the day.

I work for NFU Mutual who also own Avon Insurance which underwrites all our company cars and pool cars. There is also an addition to the policy which will cover any private car owned by an employee used during the cause of business.

Therefore, technically on the odd occasion I am using my car for work purposes (twice in 8 months) i am covered twice and in the event of any mishap could be split 50:50, though in reality I am sure Avon would cover 100%.

Oh and before anyone asks why I am not insured with the company I work for, I will be come renewal.
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it seems you speak the truth, i guess the myth that you cant have 2 policies stems from before there was an insurance database so that companys could check for multiple policy/claims etc
 
Congrats for passing your test :thumbs:

But please be careful, my nephew passed his test a month ago, 2 days after he passed his test he lost control on a country lane and wrote the car off, he and his passengers were very very lucky having seen the car, although one of the passengers received a fractured pelvis. He wasn't speeding but hadn't got the experience to react to mud on the road, we were having the same discussions about the cost of car insurance but its a sad fact that the statistics prove that the risks are massive.
 
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