Holden1989 Posted July 4, 2011 Share Posted July 4, 2011 Im a young driver and have always found insurance extremely expensive, my insurance is £900 a year paid in full (corsa vxr turbo) however if i paid in installments it would cost £1500 I think it is now illegal for an insurance company to offer different prices depending on sex? Quote Link to comment Share on other sites More sharing options...
stevie_b Posted July 4, 2011 Share Posted July 4, 2011 That quote is out of this world, you have been mugged off completely. £500 car does not cost over 3grand to insure, simple maths. It doesn't work like that unfortunately. The value of the car (unless it's an exotic or very unusual car) often isn't the main factor in calculating the premium. Quote Link to comment Share on other sites More sharing options...
Ace Posted July 4, 2011 Share Posted July 4, 2011 Im a young driver and have always found insurance extremely expensive, my insurance is £900 a year paid in full (corsa vxr turbo) however if i paid in installments it would cost £1500 I think it is now illegal for an insurance company to offer different prices depending on sex? Can't remember whether it is illegal as such, but I think the European Court frowned upon it and decided to attempt to shake things up. But, rather than do the decent thing and bring prices to "meet in the middle" (as males are naturally higher and females lower), overall males' prices have edged down slightly, and womens' have rocketed up. However you look at it, a lot of people are being priced off the road. Quote Link to comment Share on other sites More sharing options...
Guigsy Posted July 4, 2011 Share Posted July 4, 2011 My insurance was 1200 ish for my uk tt. That was with 4 years no claims. Dread to think what it will be now I have 0 years Hopefully will insure it as a classic next year. Or tpft. Fully comp seems a waste of time unless you get agreed value. They were going to write my car off for 2.5k worth of damage Quote Link to comment Share on other sites More sharing options...
Kopite Posted July 4, 2011 Share Posted July 4, 2011 Is it a dodgy postcode area? Did you add yourself as a second driver? My mum, dad and sister in law knock £300 off my policy every year Quote Link to comment Share on other sites More sharing options...
marbleapple Posted July 4, 2011 Share Posted July 4, 2011 my broker tell me that my no claims would not be added . Back in 2008 my micra with 3 points and no claims was 800!!!! Sue em. Sue em all. Quote Link to comment Share on other sites More sharing options...
vertex Posted July 4, 2011 Share Posted July 4, 2011 just stick yourself down as the main driver. its not illegal, its just a grey area for them to prove your son is the main driver. (this is called fronting.) all they can do is decline to insure/renew your insurance. I'm 25, but have my missus 28 as the main driver. the difference is over £1000 in savings. If you don't you might as well burn the money cos you're never going to get the money back. Quote Link to comment Share on other sites More sharing options...
Holden1989 Posted July 4, 2011 Share Posted July 4, 2011 just stick yourself down as the main driver. its not illegal, its just a grey area for them to prove your son is the main driver. (this is called fronting.) all they can do is decline to insure/renew your insurance. I'm 25, but have my missus 28 as the main driver. the difference is over £1000 in savings. If you don't you might as well burn the money cos you're never going to get the money back. But its illegal, and you admiting that you are doing it on an open forum - not the best of ideas......... Quote Link to comment Share on other sites More sharing options...
dude Posted July 4, 2011 Share Posted July 4, 2011 Im a young driver and have always found insurance extremely expensive, my insurance is £900 a year paid in full (corsa vxr turbo) however if i paid in installments it would cost £1500 I think it is now illegal for an insurance company to offer different prices depending on sex? I never knew you could pay for insurance with sex !!!!! Quote Link to comment Share on other sites More sharing options...
Holden1989 Posted July 4, 2011 Share Posted July 4, 2011 I never knew you could pay for insurance with sex !!!!! If that's the case I must be doing something wrong considering the price I'm paying!! Quote Link to comment Share on other sites More sharing options...
jazz1 Posted July 4, 2011 Share Posted July 4, 2011 What a relief I can not recommend Adrian Flux so much, they re instated my no claims no one else would do it as they were 3 years over. Anyways 1400 fully comp am so happy . Quote Link to comment Share on other sites More sharing options...
Rob Posted July 4, 2011 Share Posted July 4, 2011 But its illegal, and you admiting that you are doing it on an open forum - not the best of ideas......... Fronting is illegal yes, but maybe Soopra's son really isn't the main driver. Maybe he lives at home and has use of the family 2nd car which would be perfectly legitimate. An example of fronting would be if he was living elsewhere, say at Uni, but still not having his own policy. The trap in putting him as a named driver however, is that come next year, its still too pricey, so you put him as a named driver again, and again. At some point he has to bite the bullet. It might be worth getting him to do the pass plus course and also for the OP (and presumptiously her partner too) to put herself as named drivers on his policy to spread the load, so to speak. Quote Link to comment Share on other sites More sharing options...
Holden1989 Posted July 5, 2011 Share Posted July 5, 2011 Fronting is illegal yes, but maybe Soopra's son really isn't the main driver. Maybe he lives at home and has use of the family 2nd car which would be perfectly legitimate. An example of fronting would be if he was living elsewhere, say at Uni, but still not having his own policy. The trap in putting him as a named driver however, is that come next year, its still too pricey, so you put him as a named driver again, and again. At some point he has to bite the bullet. It might be worth getting him to do the pass plus course and also for the OP (and presumptiously her partner too) to put herself as named drivers on his policy to spread the load, so to speak. So presumably your girlfriend is the main driver of yours........... Quote Link to comment Share on other sites More sharing options...
stevie_b Posted July 5, 2011 Share Posted July 5, 2011 just stick yourself down as the main driver. its not illegal, its just a grey area for them to prove your son is the main driver. (this is called fronting.) all they can do is decline to insure/renew your insurance. I'm 25, but have my missus 28 as the main driver. the difference is over £1000 in savings. Not true. See Rob's reply. I guess you're one of these people. Getting caught fronting can earn you a conviction for fraud. IIRC a conviction for fraud has to be declared on a lot of insurance applications, mortgages, loans, etc, which will probably result in the applicant being offered "unfavourable terms". http://www.bbc.co.uk/news/10241769 Quote Link to comment Share on other sites More sharing options...
Rob Posted July 5, 2011 Share Posted July 5, 2011 So presumably your girlfriend is the main driver of yours........... Don't mention the girlfriend here, my wife may be reading. Case in point, my wife, being 40 now, has never had her own insurance. She was always on her dad's policy as a named driver and then when she was handed over to me, she has always been a named driver on my 3 policies. Every time we considered transferring one car to her name fully, it was always too much of a shock. Consequently, I have 3 sets of full NCB, and currently only one running car. Quote Link to comment Share on other sites More sharing options...
mike33 Posted July 5, 2011 Share Posted July 5, 2011 Insurance has increased alot specially for young drivers due to no win no fee pay outs. People are getting massive payouts for small bumps ie whiplash so they cannot take the risk on young drivers so thay put the premium way up to thousands hoping you dont insure with them. Quote Link to comment Share on other sites More sharing options...
Guigsy Posted July 5, 2011 Share Posted July 5, 2011 My insurance was 1200 ish for my uk tt. That was with 4 years no claims. Dread to think what it will be now I have 0 years Hopefully will insure it as a classic next year. Or tpft. Fully comp seems a waste of time unless you get agreed value. They were going to write my car off for 2.5k worth of damage Just off the phone with sky. Probably will rise 15 or so percent. but with the bonus for staying with sky for a year in reality probably wont change much and as an added bonuis i didnt pay 1200 it was only 950 And as a side note insuring my legnum is turning into a total PITA! Lynbrook are getting back to me with the price for it on a clasic policy. Will see what that turns up. Quote Link to comment Share on other sites More sharing options...
Soopra Posted July 5, 2011 Author Share Posted July 5, 2011 I looked at loads of different options... My son is fully comp with my husband as named driver. Made no difference getting the car insured in my husband's name with my son driving. quote was the same to the penny. TPF&T was considerably more. We don't have a dodgy postcode - my Supra is insured quite reasonably. I phoned 3 specialist insurance brokers who claim to cover young people - Adrian Flux wanted over £5k!!!! We are going to buy my son a Pass Plus course for Christmas so when he renews his insurance next year it should help. One thing that has come out of this - he's only using the car for essential journeys and not driving places just for the sake of it Quote Link to comment Share on other sites More sharing options...
James Posted July 5, 2011 Share Posted July 5, 2011 Interesting how insurance has panned out for me:- Purchased the Supra (1994 SZ - import obviously - with an NA-TT conversion) in 2009 and my circumstances were: Age - 21 NCB - 3 years 3 years driving experience 0 points 0 claims Just re-insured the car today with the following circumstances: Age - 23 NCB - 1 year 5 years driving experience 6 points 1 accident & subsequent claim (at fault) Cost to insure in 2009 was £951. Cost to insure today was £765. The above are the only circumstance changes over the period of time. It is a strange business for sure! Quote Link to comment Share on other sites More sharing options...
jazz1 Posted July 5, 2011 Share Posted July 5, 2011 Yes indeed, my micra was cheaper when I had points and 0 no claims, for some reason it's more now with 0 points and 2 years no claims. Quote Link to comment Share on other sites More sharing options...
TTRickeh Posted July 5, 2011 Share Posted July 5, 2011 We are going to buy my son a Pass Plus course for Christmas so when he renews his insurance next year it should help. I'd get the Pass Plus done sooner rather than later. I was on a 9 month = 1 years NCB accelerator term and once i'd completed my Pass Plus, which was after the 9 months, they didn't offer any discount because all they did for it was add 1 years NCB for Pass Plus if you didn't already have it. This was with Aviva (Norwich Union at the time). Not sure if it'd be the same with your son but it's worth checking the discount if you haven't already. Quote Link to comment Share on other sites More sharing options...
vertex Posted July 5, 2011 Share Posted July 5, 2011 just stick yourself down as the main driver. its not illegal, its just a grey area for them to prove your son is the main driver. (this is called fronting.) all they can do is decline to insure/renew your insurance. I'm 25, but have my missus 28 as the main driver. the difference is over £1000 in savings. Not true. See Rob's reply. I guess you're one of these people. Getting caught fronting can earn you a conviction for fraud. IIRC a conviction for fraud has to be declared on a lot of insurance applications, mortgages, loans, etc, which will probably result in the applicant being offered "unfavourable terms". http://www.bbc.co.uk/news/10241769 I'm not going to start a debate on this thread, but I'm sure whether people are willing to admit it or not, they put their wives on the policy first. we both live at the same address, we both drive the car. I called in on a radio station when they had an insurance specialist and asked the question whether its illegal to put the wife on first. there's nothing illegal about it. how would an insurance company prove who drives the car most? fronting is targeted at parents who put their kids on a policy when they have no intention themselves to drive the cars. I wouldnt be surprised if 80% or more had their parents first. insurance companies don't like it as kids are more likely to be in an accident. Quote Link to comment Share on other sites More sharing options...
vertex Posted July 5, 2011 Share Posted July 5, 2011 to the op, have you tried pay as you drive insurance ? Quote Link to comment Share on other sites More sharing options...
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