ajc1988

iTrader: (2)

Hi im wanting to know off any 23 year olds or younger preferably with sti' who there getting insured with and for how much?

Reason im asking is im 23 with 2 years ncb and 6 years driving experience would be 4 years ncb but never ran policys for full length unfortunatly. im getting quoted £1200 more than i was in november and im struggling to find a price i can afford.

Any info from others my age would be appreciated.

Cheers andy

4wheeldrift

That's cheap m8 I was paying 1600 when I was 22 on my Hawkeye sti added my mum and auntie to bring it down.

SHUGSTERC

cant you get an old relative to insure it while you insure a scrap group 1 insurance car fully comp then drive the sub with entitlement

craigo

iTrader: (1)

hmmmmmmmm, very grey area

SHUGSTERC

my mate done it till he built his ncd..his step dad insured his cars he had an old fiat panda in his garden an kept insurance on but drove his rs turbo and a renault gt turbo

craigo

iTrader: (1)

hmmm dubious grey area. illegal ideas .......

SHUGSTERC

its fine..the sub belongs to whoever insures it the lad has his own car..noone can do anything about him driving the subaru...just havin a lend....kinda

craigo

iTrader: (1)

exactly, KINDA !!

winston69

iTrader: (30)

And people wonder why their insurance is so high...

SHUGSTERC

theres nothin illegal about it..is just like someone giving him a lend of the car he,ll be insured to drive it

Bugatti

You're making the assumption his policy will come with 3rd party cover for borrowing cars. A large number of insurers no longer include this extra cover so your advice may be useless as well as poor.

If you can't afford to legally run a car, then it's best not to buy it.

TH3_5T1G

iTrader: (15)

What!!! That's cheap. I'm 23, had the subaru for 3 years, 4 years NCB, no infringements and still pay £2,200

chocolate_o_brian

iTrader: (22)

Oh god

Sure Moley will clarify that the suggested idea above is ILLEGAL, otherwise EVERYONE would do it

SHUGSTERC

so if your nephew friend whatever asked for a loan of your car and it was fully insured comp and he had his own car that he was entitled to drive any other car your sayin its illegal to give him your car?

SHUGSTERC

would hardly go to the trouble of doing it then not get insurance to drive other cars

ajc1988

iTrader: (2)

Its not cheap i said £1200 more than in november. My quote if i paid in 1 go is £2800 which i dont think is bad but cant afford all in one go for paying monthly it now shoots up to £4500 for year where as in november it was £3400.
Who do you insure yours with stig and what car is it?

I have thought about doing this and driving it third party on my policy but dont know the ins and outs of this which would be good if moley could clarify on this as i thought you could drive any car with owners permission if you had any car third party in your policy.

Andy

SHUGSTERC

you my friend are the kinda guy im talkin about..gettin ripped off by insurance coz your young..if u save your pennies an work hard you deserve the car you want

Moley

iTrader: (9)

Yes, it's illegal.
And you won't find an insurer who'll give the driving other cars to under 25 year olds.

AJC1988 - try Admiral

SHUGSTERC

if under 25 and u cant get entitlment thats different but its not illegal for someone to buy a subaru get his father to insure it comp then the lad to buy another cheap car with entitlment and just drive the scoob

SHUGSTERC

long as the subaru in his dads name..or whoever insures it

Moley

iTrader: (9)

Once again...yes, it is illegal.

SHUGSTERC

well i know someone who i wont name who has a subaru..and insures it but also has other 2 cars hardly see the scoob as his nephew has it and drives most days and has done for the last 1.5 years no worries..next year hell be 26 with more ncb so can insure it throuh his own policy..been pulled 2 times in it and never a prob so cant be that illegal

SHUGSTERC

ok fine its illegal an cant be done

ajc1988

iTrader: (2)

Cheers for clearing that up. Admiral is who have quoted me that price above and cant explain how it has gone up over £90 a month since november.

I just cant believe how much insurance is costing now i no next year it will drop because i will be 25 but no company seems intrested in insuring me evrn though ive got experience with imprezas and if they do there wanting to pull my pants down and bend me over.

This is meant in any way against you moley as i know theres nothing you can do iys just insurance companys in general.

Andy

Moley

iTrader: (9)

Wait and see what happens if he crashes it

Moley

iTrader: (9)

Insurers just seem to be refusing to look at under 25 year olds on performance cars at the moment unfortunately

SHUGSTERC

its his car and he pays the insurance so his loss...

chocolate_o_brian

iTrader: (22)

You can't tell some people, Gary.

I'll go with an industry professional with years of experience (who also happens to insure my Impreza very competitively) over a "he said, she said" random bloke on the internet.

Again, if it wasn't illegal then WHY ISN'T EVERYONE DOING IT?

SHUGSTERC

im jst saying it does happen and i know it does not lookin to get into a he said she said with a random bloke on the internet either mate

chocolate_o_brian

iTrader: (22)

Well maybe stop offering advice which is illegal then. That's the whole point, to be insured, which if following your "advice" he would not be - an insurance guy has confirmed it for you.

I'll repeat ONE LAST TIME - if it was legal and 100% koshur, why doesn't everyone do it?

I'll leave it at that because I know you can't answer the question