What to get as next car?

[alland]

Re: What to get as next car?

Don't get me going about Insurance premiums...

The nature of our business requires us to carry quite a complex motor trade policy at a cost of over £5K a year !

Just informed them that we have a Audi R8 joining the fleet of company vehicles on the 1st of December and they say we will have to top up our cover by paying another £1,500 on top of our existing premium....

I wouldn't mind but we have never claimed a penny in over 20 yrs of being in business....

[SXGuy]

Re: What to get as next car?

No it doesn't work like that when the premium is calculated( I'm old enough to have had to do in manually), one of the main risks is the main drive when calculating the rate, so if you lie and say it's the older person the rate is wrong and you are commiting insurance fraud.

I'm sorry if you can't afford the correct rate without lying the kid should wait until they can. This sort of thing really pee's me off, by doing this , people are doing the same thing to the insurers/brokers as the DCA's etc are doing to us.

I know this view wont be popular but, this sort of thing is one of the reason I'm getting out of the industry.

When i first started driving, my father was the policy holder and i was named driver. From what i recall, they implied that the premium would be based on the youngest named on the policy, regardless.

Maybe they do it differently now, which is why its open to fraud, but im almost certain this wasnt always the case, hense the massive premiums i paid in my first 5 years of driving.

It is crazy though, that i paid 3 times as much for a J Reg Ford Orion, as i do now for a BMW 320CD M Sport.

[5corpio]

Re: What to get as next car?

Wouldn't be any good on the British Roads with its Pot holes or Speed Bumps!

[5corpio]

Re: What to get as next car?

Car designer Michael Vetter was bored with regular motors and built a futuristic car that is less Renault Clio and more like a vehicle featured in the Sci-fi film 'The Fifth Element'. The car has even been named The Extra Terrestrial Vehicle - ETV - to reflect its alien-like look. ETV is based on the same platform as a modest, run-of-the-mill Chevrolet, but this is where the similarities end. It has a five-feet high windscreen and gullwing doors which open automatically via remote control

Source: Pictures of the week: From Obama's big win to a tiny tortoise Photos | Pictures - Yahoo! News UK

[mgfboy]

Re: What to get as next car?

just seen a 1.9 1997 306 d turbo thats going near me for £500 thou would need tax at end of month (£220 for 12months )

But supposedly does 52 miles to gallon so a little more than the micra does now.

And insurance wouldnt be too bad on it at another £300 a year on insurance

My brother in law had one and they are not bad motors, just make sure it's had it cambelt changed and it's been serviced. The only problem he has was a few electrical problems, but they where fairly minor

[kilasuit]

Re: What to get as next car?

just seen a 1.9 1997 306 d turbo thats going near me for £500 thou would need tax at end of month (£220 for 12months )

But supposedly does 52 miles to gallon so a little more than the micra does now.

And insurance wouldnt be too bad on it at another £300 a year on insurance

[pompeyfaith]

Re: What to get as next car?

49 yr old 9 yrs no claims 06 citroen picasso 1.8 autonet insurance £236 complete with rac breakdown cover, legal assistance, personal injury insurance and death cover.

[mgfboy]

Re: What to get as next car?

The question you're asked is who is owner/driver and who is/will be the named driver. In my case I drove it for the first 5 years while I let my daughter use it at weekends if she was good. Then I used it less and less until June this year when I'm not driving at all due to a 'medical issue' for six months, but that doesn't mean I'm no longer the owner/driver, it simply mens she has to take me everywhere

It may be different if you don't even live in the same city as your kids or they go away to uni and take the car with them.

When I was married I was named on my OH's policy but I did almost all the driving because he liked to drink, but he still owned the car not me.

That's not lying or fraud any more than putting us oldies on the kids' insurance to keep the premium down. When I added her to my policy the premium rocketed and Direct Line said the price was based on the higher risk which was her

She's now been on the policy for 5 years and has accrued a full no claims bonus of her own so at renewal she can have her own cover at a reduced rate

Look I really can't be bother to argue on this anymore, if you think your right fine. I happen to know you are wrong but if it suit your view of the world thats OK with me. I just dont want some of the younger members getting the wrong idea and doing the wrong thing.

[PlanB]

Re: What to get as next car?

The question you're asked is who is owner/driver and who is/will be the named driver. In my case I drove it for the first 5 years while I let my daughter use it at weekends if she was good. Then I used it less and less until June this year when I'm not driving at all due to a 'medical issue' for six months, but that doesn't mean I'm no longer the owner/driver, it simply mens she has to take me everywhere

It may be different if you don't even live in the same city as your kids or they go away to uni and take the car with them.

When I was married I was named on my OH's policy but I did almost all the driving because he liked to drink, but he still owned the car not me.

That's not lying or fraud any more than putting us oldies on the kids' insurance to keep the premium down. When I added her to my policy the premium rocketed and Direct Line said the price was based on the higher risk which was her

She's now been on the policy for 5 years and has accrued a full no claims bonus of her own so at renewal she can have her own cover at a reduced rate

[mgfboy]

Re: What to get as next car?

You are right, few people nearby started out that way parents main driver siblings named on policy, if an accident it is who was driving at the time is asked, so is the named driver uses the car great extent to the owner so what, they are named on the Policy.

!"!!

No it doesn't work like that when the premium is calculated( I'm old enough to have had to do in manually), one of the main risks is the main drive when calculating the rate, so if you lie and say it's the older person the rate is wrong and you are commiting insurance fraud.

I'm sorry if you can't afford the correct rate without lying the kid should wait until they can. This sort of thing really pee's me off, by doing this , people are doing the same thing to the insurers/brokers as the DCA's etc are doing to us.

I know this view wont be popular but, this sort of thing is one of the reason I'm getting out of the industry.

[The Tech Clerk]

Re: What to get as next car?

I'm not lying. It's my car and she's a named driver so there's nothing fraudulant about it. We both drive it.

You are right, few people nearby started out that way parents main driver siblings named on policy, if an accident it is who was driving at the time is asked, so is the named driver uses the car great extent to the owner so what, they are named on the Policy.

Remember years ago a case when another person was added to a drivers policy, and had been taken the car out prior to being on the policy without owners consent and had an accident (the car being new 3 weeks old), the owner tried to state the accident happened at a future date, (once the driver of the accident was Insured), only bad luck the owner had was that The Insurance Accessor came into a shop I managed and had a meal and we spoke, he asked if anybody was on duty 8 days ago at night, I said we open 7 days a week all year up until 11.30p.m. oh? so the accident the other night was heard, what accident???

That accident outside was 5 weeks ago, I treated the Boy for shock, Oh dear!"!!

[The Tech Clerk]

Re: What to get as next car?

That is correct being and older named driver on the policy does reduce the rate, but I assume that on this policy she is noted as the main driver.

Myself and my wife are on my daughters policy and it does reduce the premium, but she is the main driver as stated.

Daughter is the owner /main driver, as said, I am the named driver. That is the way we did it, the amount reduced very quickly over a couple of years, there is/maynot be much difference in the cost if you attached them to naming them as main driver.

Basicallt as we did shopped around for fair price each year, at the outset she was just 18 when she bought her 1st car 5 years ago,.

[mgfboy]

Re: What to get as next car?

That is o.k., myself as I have said am the named driver on my daughters car, in the beginning it made a lower premium difference to single policy.

That is correct being and older named driver on the policy does reduce the rate, but I assume that on this policy she is noted as the main driver.

Myself and my wife are on my daughters policy and it does reduce the premium, but she is the main driver as stated.

[mgfboy]

Re: What to get as next car?

I'm not lying. It's my car and she's a named driver so there's nothing fraudulant about it. We both drive it.

It's is you that said you where fronting, and it doesn't matter who owns the car it's who the main driver is!!!

If you are the main driver ( and they never accept 50/50 because it's never true) then your not fronting so it's not a problem.

[The Tech Clerk]

Re: What to get as next car?

I'm not lying. It's my car and she's a named driver so there's nothing fraudulant about it. We both drive it.

That is o.k., myself as I have said am the named driver on my daughters car, in the begining it made a lower premium difference to single policy.