Gr8Shot
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That explains a lot
and help to keep the site free for all
OMG - daughter's car insurance quotes !!!
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That explains a lot
WillNicholls
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That's incredible. My insurance was originally £3600 and now is £1581 after my year of no claims. I'm registered keeper and main driver. That includes business insurance too and no black box.
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It does seem rather ridiculous but there seems to be a few manufacturers doing 'lease' deals on new cars with insurance making them far cheaper than any of their used stock - on which they make more money anyway :nuts:
But £15,000 for a 10 yr old Clio wins easily Yvonne
Dave
sorry, I lied, it was marginally less than I thought.... 
quote by Yvonne White - WhiteGoldImages, on Flickr
Yes, I kept the email, just to remind me how bad it could have been, this is a screen grab straight from my inbox
WillNicholls
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You need insurance to practise in the car though, and you can also build up a no claims discount whilst learning and paying less.
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Is it not better to get proper driving lessons and pass your test rather than go out in a car when you are not proficient and with someone who is just sitting there with no control over the vehicle?
I understand that legally it can be done, but it makes me cringe every time I see a learner out with (probably parent) who is not safe to be in traffic.
Also I would imagine it is more difficult to learn in several different vehicles.
Heather
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Yes. But if you can afford that, you would have no problem paying insurance premiums.
Steve.
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My view on this is as follows
Its a rip off by the insurance company's as they know young drivers have no financial commitments , So lets make them PAY and they know youngsters are gagging to be mobile
Makes my blood boil , Arrrr !!!!
Its a rip off by the insurance company's as they know young drivers have no financial commitments , So lets make them PAY and they know youngsters are gagging to be mobile
Makes my blood boil , Arrrr !!!!
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Pray tell me more. What are you insinuating by bolding my comment of "Those of us in the insurance industry."
For reference I work for an insurance company, however my role has nothing to do with setting the prices, or claims / underwriting etc.
However if you'd like to chat about Fraud Indicators, including fronting we can discuss all night...
Without wanting to divulge too much information on a public forum a couple of classics are such as
a) Decent semi or detached house. Daddy has a company car. Mummy has a nice car. Say an Audi A3. Young named driver. But daddy is also the registered keeper owner and main driver of say a 1.2 punto / corsa / fiesta...
b) Young named driver whose brthday is close to / coincides with purchase / inception date. 18th / 21st Birthday
c) young named driver involved in an accident at a time where they would be likely to be driving to say school / college / uni and daddy (registered keeper etc) would likely be at work...
I could continue, however I am intrigued by your comments / accusations.
viv1969
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Re: Bonds
some large organisations use them.......
e.g. Royal Mail (used to),.. dunno if they still do.. as they have many "low value" claims a year.. however, should you cause carnage and leave people with dependants as quadraplegics needing 24x7 care then you can get into euromillion £'s of reserves.
Therefore a lot of these bonds are set up to pay the first £x, often £5-£10m of any claim and then they have insurance for anything over and above £10m...
e.g. Post office / royal mail.. think of the size of their fleet... going to have many minor knocks in a year, but maybe only a biggie 1 in every few years.
some large organisations use them.......
e.g. Royal Mail (used to),.. dunno if they still do.. as they have many "low value" claims a year.. however, should you cause carnage and leave people with dependants as quadraplegics needing 24x7 care then you can get into euromillion £'s of reserves.
Therefore a lot of these bonds are set up to pay the first £x, often £5-£10m of any claim and then they have insurance for anything over and above £10m...
e.g. Post office / royal mail.. think of the size of their fleet... going to have many minor knocks in a year, but maybe only a biggie 1 in every few years.
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I've just been playing around with quotes for me, 17 YO (soon to be 18), policy holder on a 1L old micra... About £3500. With 3 sensible named drivers (both parents and Uncle, 48 and 50) brings it down to £1200 ish fully comp... Found putting my Nan (72) on there just bought it up.
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Have you applied full NCD to both vehicles?
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old Puntos are heavily abused by the sort of brain dead chimp that thinks adding half a ton of fibre glass body kit improves performance by looking well 'ard
that tends to increase their insurance bracket - especially for young drivers (this is also true of corsas and saxos)
a mate of mine's son, was in this situation and they found that the insurance was a lot less on an older larger car - he wound up with an H reg 5 series and insurance of only £750 pa TPT&T
WillNicholls
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Tigger.ufo said:
But like with anything you have to practise. Obviously only start practising when you are competent and can find the brake!!
G12RDH
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Got 8 years No claims its with admiral..... I dnt really understand insurance to be honest with you! I juat pay it and stop moaning lol
Uneducated_Rick
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I had proper lessons at £17 a pop, and practice with my Dad once I'd had a few, and he drove to a remove industrial estate.
For every lesson I got another 3 or 4 hours practice - never doing more than my instructor had shown me - greatly reduced my time to pass whilst getting in many more hours behind the wheel
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In my mind those are all presumptions of fronting and not proof. I've known loads of managers at work who fall into the first example that would use a Fiesta to get too and from work, leaving the company car and the wifes car at home.
In fact without a camera fitted to the interior of a car there is no way an insurance company can prove who the main user of a car is and is just another means to wriggle out of paying up.
The 3rd example could be that on that particular day the named driver had something to take to or bring home from school/college that would have been awkward on public transport and as Dad/mum didn't need the car that day, the named driver was able to use it.
I've bought 2 cars within a month of my son's 18th and 21st birthdays, both instances the cars are mine, and although both he and my wife are on the insurance, neither of them have actually driven the cars as I had the car all the time but if the need arose and I didn't have it at work, they could drive it.
Julie1979
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My 21yr old daughter is soon to finish at Uni and wants to learn to drive this summer, so thinking ahead I was just considering what her first car may be
A few years ago we had a Fiat Punto and I loved it, I also found that the base 1.2ltr model can be had with a few years on it and as little as 40,000 miles for less than £2,000 from a dealer - FAB
So out of interest I completed one of those 'Compare' sites just now as if I was her looking for insurance, quotes for 3rd Party Fire & Theft ranged from a staggering £3,900 to an unbelievable £9,970
WTF !!!
Several of her mates already have cars, and one is on her 2nd brand new Mini having totaled her first in an argument with a tree - HOW the Hell can any of them afford to drive ??? :shrug::shrug::shrug:
Dave
This is fairly comparable with my first car although I was 18 so slightly younger (now 33)
I bought a 1L Fiat Uno, 3rd party fire & theft was £188 per annum.
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Russ77
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They're not conclusive proof but they are indicators to a particular type of scenario and gives the insurance company a starting point
I would guess they were common traits in a number of situations where fronting was proven
admirable
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Really ???? why would anyone chose not to take the company car to work, thus completely defeating the point of having it in the first place ?where i work anyone who did that would swiftly find themselves loosing their company car on the grounds that they clearly don't need it
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Aside from my past tutoring in Advanced Driving for the IAM I also part qualified as an ADI with BSM many years ago, before realising there wasn't really a BIG future in it 
So our current learning to drive plans are for her to start off in one of ours to get the 'How to get a car moving' bit out of the way so that when she has formal lessons it'll be about the roadcraft rather than the mechanics - and yes, we'll also then let her loose on whatever she's just been instructed to do
As a learner myself I found the mechanics tricky to deal with while also trying to learn about driving the road, observation, anticipation etc. so by removing the mechanics as much as possible we're hoping to make the learning process easier with the instructor (and thereby cheaper too it has to be said)
Dave
So our current learning to drive plans are for her to start off in one of ours to get the 'How to get a car moving' bit out of the way so that when she has formal lessons it'll be about the roadcraft rather than the mechanics - and yes, we'll also then let her loose on whatever she's just been instructed to do
As a learner myself I found the mechanics tricky to deal with while also trying to learn about driving the road, observation, anticipation etc. so by removing the mechanics as much as possible we're hoping to make the learning process easier with the instructor (and thereby cheaper too it has to be said)
Dave
Michaelk20
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Avast shows that link as a trojan horse
McAfee doesn't and neither does Sonicwall
Russ77
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Aside from my past tutoring in Advanced Driving for the IAM I also part qualified as an ADI with BSM many years ago, before realising there wasn't really a BIG future in it
So our current learning to drive plans are for her to start off in one of ours to get the 'How to get a car moving' bit out of the way so that when she has formal lessons it'll be about the roadcraft rather than the mechanics - and yes, we'll also then let her loose on whatever she's just been instructed to do
As a learner myself I found the mechanics tricky to deal with while also trying to learn about driving the road, observation, anticipation etc. so by removing the mechanics as much as possible we're hoping to make the learning process easier with the instructor (and thereby cheaper too it has to be said)
Dave
That's pretty much how I learnt...... Dad took me to a local park which had some large road/parking areas which most of the time was like a private road network. I learnt clutch control, steering etc there and then had about 15 lessons.
In between lessons my Granddad would take me out too, to start with for an hour or so and on the run up to my test we'd go out for 2-3 hours at a time. He used to drive 1000+ miles a week for his day job (garage equipment engineer) so was nice and chilled out sitting beside me whereas my Dad was like a cat on a hot tin roof
Passed first time with only 3 or 4 minor faults
When I was about 24 years old, I took part in a local Driver's advisory course which was run by Essex Police. There were 6 hour lessons with Essex Police's top driving instructor and he took us through Road Craft/Advanced driving followed by an hour long drive as a passenger with a trained police pursuit driver and then we got to take our own cars on their skip pan
The course was fantastic and made me realise I'd been driving like a complete tool!!!! The biggest eye opener was that you can still drive quickly/make good progress whilst remaining safe
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where i work anyone who did that would swiftly find themselves loosing their company car on the grounds that they clearly don't need it
If you have the choice of cars, it's easier to jump into the first one to hand or at the front of the drive. Working for Ford, each company car is another car sale. They're not likely to remove the managers perk and reduce the car sales figures just because they are using their own personal car to commute to work.
admirable
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Michaelk20
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That's why I don't use them
Touché
Brendan Mulachy
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my nephew and sister in law are on this scheme.....im pretty sure you have to have 3 years NCB to qualify
did you know insurance companies is an anagram of legalised theft
onomatopoeia
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did you know insurance companies is an anagram of legalised theft
I recommend taking the bus and not having a mortgage, you can pretty much avoid requiring any insurance that way
. Also, paying into a workplace or private pension is just insuring against not being dead before you reach retirement age, so you shouldn't do that either. 
Russ77
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I recommend taking the bus and not having a mortgage, you can pretty much avoid requiring any insurance that way
You seem very defensive of insurance companies Mark........ vested interest?
onomatopoeia
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You seem very defensive of insurance companies Mark........ vested interest?
If I have a personal interest in a topic I would always declare it.
Is this really the level thought process on TP, if someone argues contrary to the herd they must have a personal interest?
AJQS
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yes, presumptions indeed. Don't think i said it definitely was, but a few things that would possibly trigger further investigation.
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They're not conclusive proof but they are indicators to a particular type of scenario and gives the insurance company a starting point
I would guess they were common traits in a number of situations where fronting was proven
Indeed!
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I recommend taking the bus and not having a mortgage, you can pretty much avoid requiring any insurance that way
Strange I thought my workplace pension was to provide me with a liveable income when I chose to retire and also continue to provide my wife with an income should I die before her.
robj20
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If your ultimate goal is to get it as cheap as possible, get a much older car.
My first car at 19 was a Ford Fiesta XR2 Mk2, that cost me £300 to buy and £232 to insure with a limit of 7000 miles per year, i then changed that in a few months later for a RS Turbo Series 2 and the insurance went up to £270.
If you only want a newer car definitely look at bigger cars, something like a Mondeo is cheaper than a fiesta or focus to insure and cheaper to buy.
My first car at 19 was a Ford Fiesta XR2 Mk2, that cost me £300 to buy and £232 to insure with a limit of 7000 miles per year, i then changed that in a few months later for a RS Turbo Series 2 and the insurance went up to £270.
If you only want a newer car definitely look at bigger cars, something like a Mondeo is cheaper than a fiesta or focus to insure and cheaper to buy.