MikeCardiff

iTrader: (2)

Big_Dan531 - "my mums as a named driver" - thats the point - you had basically used a fiddle to insure yourself, which could have bitten you if you had an accident and the insurance company sussed you.

If a young person wants an Impreza, they should have proper legit insurance IN THEIR NAME - not on their parents, not under their bosses name etc...

Scooby_666

Ys 5ync because when i was 17 i passed my test and done my pass plus! My old insurer who i was wiv for nearly 4 years gave me a free years no claims for having my pass plus! Dont ask me why? But im not complaining!

osborne

im 19 i've got a wrx import. fully comp with mods declaired 2500. i got insured when i was only 18 as well. Got the quote on 4 young drivers an they were really helpful over the phone

It's on my own policy as well

fitzscoob

You need to be careful here, sometimes the only people that recognise these bonus years no claims are the companies that offer them.

And as MikeCardiff has said, insuring yourself as named driver on someone elses policy and being the full time driver of the car is fraud.

I dont understand it really, if you cant afford to insure the car yourself totally and utterly straight then you cant afford the car and shouldnt own it.

Myself a long with loads of others on here pay their dues and have coughed up for extortionate insurance premiums because its part and parcel of owning one of these cars.

I always try to put myself in the position of the people you might hurt - no one wants to have an accident but imagine having one and hurting someone else then finding your insurance is invalid and wont pay out...

chocolate_o_brian

iTrader: (22)

me being one of these people who coughed up for singular insirance. my cousin has been driving around 4 years, and still has never had an insurance policy in his own name? why, he keeps stuffing cars and claiming for stoopid things. hes already cost his mums maximum ncb twice, and thinks he can just go out and get a 55 plate sti at 21.... even though hes blacklisted... for a reason... ******** lol.

20withascooby

an i dnot fiddle the insurancce on my corsa i have been riving since i was 17 with 3 years ncb and my quotes are still coming bk at 2500+ for a standard wrx import or people decline me

fitzscoob

Its your car, but you are not the registered owner....

MikeCardiff

iTrader: (2)

To the young guys having problems getting insurance.

THERE IS A REASON FOR THIS !

Most companies wont cover young drivers in performance cars for a good reason - because they know it will end up wrapped around a lamp post while the driver shows off to their mates.

Yes, I'm sure there are exceptions to the rule, but the majority of little Corsas and 106's I see being driven dangerously at night is unreal - and its always a young lad driving with a few of his mates in the car. Would I want to share the roads with these drivers if they were given 'proper' cars to drive....

Also ( and all young people will disagree here ) your attitude changes a LOT ( or should do unless you dont grow up ) as you get older - you realise that you arent actually indestructable, and dont take the same risks. You also dont tend to drive around aimlessly all night with your mates in the car ( as you have your own houses, so dont need to get out from your bedroom at your parents place ) so are less likely to try and show off in inappropriate places.

Would I let any of my children have an Impreza at 20 ? no chance - would I help them fiddle the insurance to get one ? even less chance !

MikeCardiff

iTrader: (2)

20withascooby - you will continue to get high quotes until the car is in your name.

Insurance companies arent stupid, and some young lad coming to them wanting to insure a performance car that is in someone elses name ? they know whats going on.

Just the same as the people who put the car in their parents name and go on as a named driver - if there is an accident or theft your chances of getting paid out are virtually zero when they find out your parent has another car insured in their name that is their actual one - and the insurance companies are pretty wise to people doing this so will do a full investigation.

TonyBurns

iTrader: (3)

Hmmm find this quite interesting.
To the OP, sell some organs, thats how much the insurance will cost you, let alone the fuel and running costs
To anyone trying to "get around" the insurance, read the small print, if its your car you may find that you have to insure it, trying to defraud an insurance co by stating falsehoods on a legally binding document means you are committing a fraudulent offence, which by the way is a jailable offence of a minimum of 5 years. Personally id rather pay the insurance premium, you wont end up with a criminal record that way

Tony

saxperience

ZZZZZZzzzzzzzzzzzzzzzzzzzzzzzzzzzzzz

Get out more,,,,

I've seen 18 year old driving supras, 19 year olds driving civic type r's and gt4's
All insured properly under their own name

AndyC_772

iTrader: (2)

Well, yay for you, and hurrah for them. I said 'unusual', not 'impossible'.

Brun

Does the boss insure the Scoob in his own name? If not, then is it not the case that 20whashisname's 3'rd party Corsa cover doesn't matter a jot?

20withascooby

i give up u ppl dnt understand wat im trying to say anyway im fully comp on my corsa in my name registered in my name only thing in sum1 elses name is the scoob police av checked it didnt say anything so if they dnt say anything to me and i think they have more authority then u guys then im goin with them not u lot

Brun

So does your boss have cover on it?

20withascooby

yes

AndyC_772

iTrader: (2)

That's just because of all the txt speak you're using. We understand the insurance fiddle perfectly, it's the oldest trick in the book. You:

- buy a high performance car
- register it in someone else's name, your boss in this case
- take out cover on a much cheaper car, making sure you get the 'driving other cars' extension
- cheerfully drive your performance car, safe in the delusion that you're covered.

Sure enough, the police give you a producer and you show them your paperwork. You lie and say that the car belongs to someone else, and if they don't bother to investigate any further then you're lucky and you get away with it. You conclude that all is well.

Check your insurance certificate though, and I bet you'll find wording something like:

"The policy holder may also drive, with the permission of the owner, other cars not owned by him/her or hired to him/her under a hire purchase agreement."

The key here is "not owned by", it doesn't say "not registered to".

Now suppose you have a crash and need to make a claim. Your insurance company has a lot to lose, especially if someone is hurt. Why would they NOT spend a while checking up on exactly who owns the car before paying up?

20withascooby

yea but as i already said my boss is willing to say that it is his car but i am looking for insurance but atm they all to high and i dont no why i live in a quiet area nearly 3 years no claims no mods guna get a cillford cat 1 fitted with blackjax and they still like nearly 2500-3000 pounds nearly got enuf muney for my own policy anyway so i will av it dun b4 xmas was only a short term thing

chocolate_o_brian

iTrader: (22)

eh

20withascooby

any good insurers u guys no about tried moley declined tried confused . com all high tried admiral and adrain flux and a plan

fitzscoob

Moley is about the best there is, if he wont insure you then there is a reason for it.

Obviously, I dont know you, and you probably hate everyone on here telling you what you are doing is wrong. But it is.

Dont forget - we were all your age, we all wanted the car - so we do understand what you are trying to achieve.

If you are going to buy this car, put it in your name, insure it in your name, keep everything 100% normal.

If you cant insure the car doing it the correct way then dont buy the car.

If you can afford the insurance payments in your own name and the car registered to you, then great! Enjoy the car and be careful.

Paulo P

iTrader: (42)

20withascooby

i only done a online quote with moley ive pmed him but he dnt reply to them

Brun

Phone is the way to get a quote

ukscooby2000

iTrader: (1)

Ecarinsurance.co.uk saved me loads

scoobyste1987

ive just gone 20 and i bought a 2lt sport, thats costing me 2.5k only tpft, driving 2yrs no ncb (on girlfriends insurance) so how do ppl get insured on a turbo at my age for so little money. anybody know cheap insurers for young drivers?
as for driving with no insurance you shouldnt have any legs to drive, and as for saying its your bosses car, the motto is IF YOU CANT AFFORD IT THEN DONT ****ING BUY IT!!!
Seriously mate get some proper insurance cus its the likes of you that makes me pay through the nose just to drive something i like!!!

subaruturbo_18

if it makes you all with insurance premiums between £1000-£2000 feel better, im 18 and i pay £3100 for a turbo 2000. its a ridiculous amount of money, but its the best well spent money of my life so far

love my impreza. wouldn't swap it for the world. maybe a p1 tho

subaruturbo_18

how did u get this, im 18 and i have a turbo 2000 and its 3100

20withascooby

i also tried this website and was nt very good go one for 2300 on igoeco insurance wtever that is

Big_Dan531

very true these guys wll insure me with 3 yrs no claims on my own this time for 165 quid a month and its pay as u go so u can stop the insurance when ever u want i find this very helpfull

and there is nothing wrong with being on someone else policy to insure ur car such as putting the insurance in ur partents name and youself being put as named driver. ur still covered on the policy i phoned up the inusrance company for my mum and did it all and put my self on as a named driver and they had no problem with it what so ever