Thehut

Hello YoungScoob,

I'm 24 myself and recently bought a 98 Turbo 2000 for about 8K got loadsa miles but in good condition generally. Got insurance from Tesco and, as I expected it would be, it was V.expensive - £1600 - 2yrs no claims (due to thieving scum)and drivin' since 17, that was pretty much the best quote I got and had to get tracker fitted.
I can imagine it's probably gonna be pant sh*ttingly expensive for a 20 year old but shop around and you might get a good deal I guess.
Good luck, I love mine to bits, and I'm sure you will too.

[Edited by Thehut - 11/3/2003 2:36:28 PM]

greasemonkey

If you will be the de facto main driver of the car, insuring it in your father's name, with you as an additional driver, technically constitutes fraud. Not only does it put you at risk of an invalid policy if you shunt it, you will also be risking your old man's no claims discount, as well as further possible consequences. Insurance companies can/do/are investigating this type of thing, so do you really want to take the risk?

You may also have to factor in that even if your old man goes along with this plan, he will have to re-insure his own car on a new policy, possibly with less NCD than he would otherwise be entitled to. Thus, you may have to pay him for the privilege.

Also don't forget that an Impreza will cost you a lot more in fuel and maintenance than your trusty Citroen.

[Edited by greasemonkey - 11/3/2003 2:39:22 PM]

Thehut

80K + on mine, runs fine.
I've heard that they are fairly solid engines if looked after properly.
And being a named driver has no real benefits in the long run anyway as you can't gain any no claims for yourself I believe.

[Edited by Thehut - 11/3/2003 2:41:03 PM]

Thehut

Yeah there is the petrol guzzling/parts problem etc. but I guess it's not too bad as long as you keep the revs downand take care of it, you're right though, good idea to have a little stashed away.

[Edited by Thehut - 11/3/2003 2:58:02 PM]

Thehut

Hi talizman,

Don't think there should be any probs there really with the insurance, doesn't it just mean that any accidents will lose the main driver of the cars their no claims and drivers earn no claims on only one of the cars.

As for Zubi Motors, YoungScoob, found out they only have one showroom left now in stoneleigh the kingston one shut down so.....

[Edited by Thehut - 11/3/2003 4:10:51 PM]

philjohno

.

[Edited by philjohno - 11/3/2003 8:04:06 PM]

greasemonkey

The logic here is simple Micky. All insurers have small print somewhere in their contracts along the lines that "All pertinent information must be disclosed, and the wilful failure to disclose such information could result in the invalidation of the policy."

If the car is deliberately insured with one person listed as the main driver, when in fact someone else is going to be doing the vast majority of the mileage in it, this would no doubt be construed as wilful failure to disclose, with whatever consequences the insurance company saw fit.

We were talking about this in the pub earlier, and one of my mates recalls an insurance investigator knocking the door and asking if he knew who drove the red Astra that lived next door. Just goes to show the efforts they'll make to ascertain what the real story is.

As far as your own situation with your old man's ZX, a lot would depend on what questions were asked when the policy was taken out, and what was subsequently written in the policy document.

If, for example, when adding you to the policy, your old man was specifically asked whether you'd be using the car to commute to and from work, and he'd said no, you could theoretically be in the sh*t if you had pranged it in these circumstances.

However, if the insurance broker's agent didn't ask what usage you intended to put the car to, theoretically you're in the clear, if only due to the lack of detail in the policy.

In practice though I'm sure a lot would depend on the exact circumstances of the accident as to whether these details would be followed up.

[Edited by greasemonkey - 11/3/2003 11:51:34 PM]

ScoobyDoo555

What you all seem to have missed is the fact that as long as you tell the insurance company who the main driver will be, it doesn't matter who's insurance (mum or dad) you go under....

This is not fraud. Liverpool Victoria (Frizzell) are fine with this. I know because my wife and I do it - LEGALLY and above board

If YS can afford -

1. The car
2. The extortionate running costs
3. The additional hike in premium
4. His parents are prepared to take the risk - this is the BIG one!
5. Any replacemetn parts etc....

Then why the hell shouldn't he get one?

This type of thread has been commonplace on Scoobynet for the last few years, and yet people still "can't see the forest for the trees".....

Just remember - who are the people taking the risk here? The parents and the insurance company? TALK TO THEM. If they're OK, go for it......

Boring anecdote time -

When I bought my first MY95 turbo, as I (proudly) picked it up from the dealers, a 17-yr old kid turned up with mummy snd daddy.
The salesman rolled out a brand new P1.

"Happy Birthday, son" - a £31K car

The dealer later told me that kid's dad paid £3500 third party fire & theft!!!! on the dad's insurance (named driver)...

Just goes to show that this does happen - if you're willing to pay the cash.......


Dan

edited to add that I also have my own FC insurance both wifey and I are named main drivers on each other's cars), although this will be changing around come premium time!

[Edited by ScoobyDoo555 - 11/4/2003 7:28:40 AM]

YoungScoob

Hi
Im new, IM 20 and have just got an amazing qote on
a turbo, albeit under my dads name.
full time job, so got steady money comin in and no other expenses
but would mean the majority of my money goes on the car

got 8k to spend on car, but may need to keep a grand , for
any possible probs.

ill pay the ins monthly by the way.

any advice would b very much appreciated

Thanks in advance

Attu

My first reaction is to say your to young and inexperenced to drive an Impreza Turbo but when I was your age I had an Escort RS2000 which was probably the Impreza of its day, then again I did wright it off with in 6 months of owning it

Andy

YoungScoob

Young but gunna b sensible
as i love cars too much to thrash them, when not appropriate.


ive got a vtr and am sick off the image they now have,
along with the french quality and lack of power on dual carageways
etc

Scooby96

Go and get yourself a metro or fiesta or a nova mate and save £2k..

Nah b0ll0ck5 go for it matey!

YoungScoob

so r there no real probs on a preza, thats done 50k.


its just that ive got a 2 year old car with 18k on clok,
and am a bit unsure if i should get an older car with 30k+extra
miles on it. as thats all i can afford

TurboKitty

Not really surprising you got a good insurance quote if it's in your dad's name.

Be warned though that if you insure it in your dad's name when you are the main driver, your insurers may not pay out if you make a claim. The practice is considered fraud, and is very much frowned upon.

YoungScoob

GREASEMONKEY=

Ill also be insured on me mums 1.1 pug, and will drive both
but mainly impreza.

i know its a bit dodgy, but so many people do it.
just im desperate for one, u must know the feelin

and i dont leave it any where dodgy, and i dont intend to have a
crash (but everyone says that)

oh yeah quote is £1800

Thehut

Nice one, could be alot worse i guess.

Who's that with?

fitzscoob

just be aware of the running costs, 23 here running a 99 uk turbo.

nothing worse than taking on a new car and all the payments and finding 2 months down the line that you cant afford to go out and have a beer with your mates.

best bit of advise would be to get a rough estimate on running costs for a year, 2 services, petrol, tyres, also factor in the possibility of something going wrong, then realistically see if you can afford it. if you cant, drive your car you have now and save for a 6 months / 1 year when you have enough cash stashed so you dont have to worry about any of the factors, go buy a scoob and grin good luck whatever you choose.

Aztec Performance Ltd

iTrader: (234)

I bought mine when I was 22yrs old with zero NCB.

Is a great car but watch those running costs. Servicing isn't cheap, or are parts. Then comes the petrol costs...mine does 150-200 miles average on a full tank of petrol (40 quids worth).

I've had it for 2 years now and have paid over 6K in insurance alone. Only problems I've had are a blown turbo and gearbox trouble. Then you'll probably want to modify it and thats costs $$$$.

Yes you can pick them up for reasonable money nowadays but make sure you do all your figures before buying one...I know I wouldn't be able to run mine on an average wage.

YoungScoob

Thanks for replies

Ins Company is Liv Vic

on average a year how much will service and general maintanance cost.

talizman

iTrader: (1)

Go for it mate.

When it comes to driving, age is irrelevant, as you should be assessed as an individual, not an "age group"

Sure, lots of 18-20 year olds are nutters, but I've seen some pretty scary driving from 35-40 year olds, and as a result, I tend not to be quite as prejudice as others.

I owned my first Scoob at 21, and I'm now 26 and in an STI8 and love every minute of ownership as you will too.

As for the insurance angle, you have been informed of the possible consequences and should be aware of what you are getting yourself into, so at least if you do go ahead, you have made an informed decision and be it on your own head!

Either way, good luck, and welcome.

Thehut

Get Avg 200 miles a tank with mine.
Only had it since July so unsure of yearly costs.
Gave it a quick service with a garage I know near me that looks after a few scoobs and that was around a £150.

ChristianR

iTrader: (1)

I owned my impreza type-r since I was 18, if you can afford to do it, get one.

YoungScoob

£175 is not bad .

my vtr cos more than that for the 20k service,
and all that was needed was the oil change.

Does Anyone know anything bout zubi motors, cos im
goin for a test in the week.

only possible prob is they deal with imports

greasemonkey

If you know it's dodgy, don't do it. TBH I (and I'm sure others here) get a bit ticked off that we end up paying (via our insurance premiums) for the "dodgy" actions of others.

"So many people do it" will not get you out of the sh*t if you have an accident and the insurance investigator knocks the door. I'd imagine that with modern databasing, any shunt where a young driver is insured on a fast car under a parent's policy automatically sets off some sort of "examine with fine tooth comb" alarm.

Jeesh, get a grip, it's only a mode of transport. Your life will not be negatively affected by not driving a Subaru at this point in time. If you can't afford to insure one legally, wait until you can - simple.

If you want a car that doesn't have the negative image connotations of the Saxo VTR, there are stacks of options. As for having "more power on a dual carriageway", why on earth do you need more than your current, lightweight hot hatch offers?

Not really, I've never owned a Saxo, and so have never felt the desire not to want one anymore.

As for the desire to own a quick car when I was younger, I've never really seen the point as you can't drive them properly on the road anyway. I bought a cheap track car and did my playing (and crashing) there.

Indeed they do. Unfortunately, your apparent willingness to make your old man (and potentially the rest of your family) a conspirator to fraud doesn't really mark you out as the most sensible 20 year old on the planet. Ergo, your chances of keeping it out of the scenery don't sound too good.

Thehut

Mmmm, think I've been to Zubi motors and the two garages they owned seemed a bit dodge as the cars weren't really in the best condition and they didn't seem to know alot about them either.
Sorry if that's not the case but it's just the way they seemed to me at the time, I could be wrong but I'd be careful especially if your trying to keep to a tight budget.

talizman

iTrader: (1)

Greasemonkey, I have to disagree with your point...
The reason I disagree is because personally, I have experienced heaps of crashes where a young drivers has been driving daddy's fast/flash car as a legitimate second driver.

On an almost weekly basis, young guys take out their dad's cars and prang them. This is in circumstances where the drivers is not "commiting fraud" but is legitimately the second driver, and is not the main user of the vehicle with it being insured in their fathers name.

This scenario is becoming so commonplace that insurance companies must be well used to it now. Just because son or daughter crashes daddy's car, doesn't necessarily infer that the circumstances are dodgy. I'm sure plenty of us on here have pranged a parents car!

It would perhaps set off an "alarm" if they could identify that the policyholder has more than one car insured in his name. Given these circumstances it could reasonably be inferred that the second car is going to be driven mainly by another party, namely the son or daughter.

YoungScoob

GREASEMONKEY

No u dont end up payin, why do u think that.

its not like im an uninsured driver carshing and then leggin it.

greasemonkey

Yes, agree Talizman, I should have been more specific. As you say, if the older driver has more than one car insured in his name, this would indeed be the "alarm" situation.

Then again, this is the scenario that Young Scoob is proposing, on the assumption that the father also has his own car, so the caution still applies.

BTW, yes, YS, if you were responsible for an accident under these conditions, the rest of us would end up indirectly paying for it. Why so quick to condemn "uninsured" drivers? What you are proposing is technically the same thing.

[Edited by greasemonkey - 11/3/2003 3:57:06 PM]

YoungScoob

Could b a prob as he already has 2 others in his name.

but as ill also b a named driver on me mums pug, the insurance company will not necesarilly think i drive prezza all the time.

R there any other ways of insurance then, such as the cis under 25 policy.

dont wanna fall out or **** anyone off, im just enquiring, as ive seen other people at 20 with prezzas

talizman

iTrader: (1)

What are your thoughts on this scenario.....

Car no.1 is insured in my name.

Car no.2 is insured in my wifes name.

This scenario effectively makes me the main user and policyholder of car 1 and my wife main user of car 2.

We both use both cars equally. (i.e. whichever is last in the drive gets taken out by whoever is going out first)

As such, neither of us could be called "main driver" of either car but the insurance requires that one of us be the "main", and the other the "second".

Both cars are insured and we are both insured on each car but I could be involved in an accident in a car for which I am not the "main" driver yet I use it every day and vice versa.

Just interested in your thoughts on the matter as this basically describes my situation.