Insured my car for trhe first time yesterday, may have a problem already.

Wicksta said:
I have a friend (dandle on the forums here knows him too) who lost out on a claim when his car was stolen because of fronting so it's not all that uncommon.
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From stolen? that's an odd one. How did they prove that he drove the car more then?
 
but how would they know it was fronted even if the bloke didnt live at the address?
named drivers don't need to live at the same property
 
Hxc said:
From stolen? that's an odd one. How did they prove that he drove the car more then?
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His dad lived in Sheffield and he lived in Walton-on-Thames, can't remember the exact details of how they found out though, it was in 1992ish. I know a lot of insurance companies use private detectives though so I'm guessing they might use one in this case due to car being stolen so far from home and a very likely fronting.
 
I was going to say, if they are really bothered then they'd check where he works and lives and where the car is kept often, still it's a very hard thing to prove I agree.
 
This is a joke, ive just done a quote for myself and its gone up to £1800 just for me, for a £300 punto, im SOOO annoyed right now, this is a joke, they want £300 as a deposit.. £300!!!! Do they think im made of money, for goodness sake ive got a £300 punto, thats as much as my deposit.

What a complete joke.

My deposit is more then my mum insures her focus fully comp for.

I aint insuring it myself.
 
What do you expect, you are a new in experienced driver. Mine is 1500 a year at the minute and i just take it as it drops quite well after the first year.

NCB always helps when you get better cars in the future aswell
 
Vigoro said:
What do you expect, you are a new in experienced driver. Mine is 1500 a year at the minute and i just take it as it drops quite well after the first year.

NCB always helps when you get better cars in the future aswell
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What do i expect? I expect it to be atleast reasonable.. Reasonable would be acceptable, that is just a joke.

What they should do is charge less and if you have 1 accident, only 1, then it shoots up higher then what its at now..

Its like there trying to put people off driving.

InvaderGIR said:
:rolleyes:

If you don't stump up the cash now, when you do get your own insurance it'll cost loads.
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Ill be in a better position by then.
 
I spent £1700 insuring my first car, the car cost me £400 and was worth £200 realistically.

I paid it all myself from part time work, and it was well worth it...until I had a few accidents. :D

I have to agree with Vigoro, if you can't afford, don't do.
 
James07 said:
This is a joke, ive just done a quote for myself and its gone up to £1800 just for me, for a £300 punto, im SOOO annoyed right now, this is a joke, they want £300 as a deposit.. £300!!!! Do they think im made of money, for goodness sake ive got a £300 punto, thats as much as my deposit.

What a complete joke.

My deposit is more then my mum insures her focus fully comp for.

I aint insuring it myself.
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So? The main cost is the third party risk - you could go head on in to a brand new Ferrari tomorrow, or seriously injure a pedestrian. What your car is worth is pretty irrelevant!
 
James07 said:
This is a joke, ive just done a quote for myself and its gone up to £1800 just for me, for a £300 punto, im SOOO annoyed right now, this is a joke, they want £300 as a deposit.. £300!!!! Do they think im made of money, for goodness sake ive got a £300 punto, thats as much as my deposit.
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Congratulations, you have just figured out how it is for the rest of the world.
 
you arent just paing for insurance for your vehicle, its for anything else that you might hit.
you are a risk, so you will pay out for it :]
 
James07 said:
This is a joke, ive just done a quote for myself and its gone up to £1800 just for me, for a £300 punto, im SOOO annoyed right now, this is a joke, they want £300 as a deposit.. £300!!!! Do they think im made of money, for goodness sake ive got a £300 punto, thats as much as my deposit.

What a complete joke.

My deposit is more then my mum insures her focus fully comp for.

I aint insuring it myself.
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Why not sell your camera to pay that deposit?
 
James07 said:
This is a joke, ive just done a quote for myself and its gone up to £1800 just for me, for a £300 punto, im SOOO annoyed right now, this is a joke, they want £300 as a deposit.. £300!!!! Do they think im made of money, for goodness sake ive got a £300 punto, thats as much as my deposit.

What a complete joke.

My deposit is more then my mum insures her focus fully comp for.

I aint insuring it myself.
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LOL.

Typical "Me, me, me!" attitude.

What happens to the third party in the event of an accident?

£1,000+ for Fully Comprehensive cover on any car is reasonable enough for an inexperienced, young, male driver.
 
James07 said:
This is a joke, ive just done a quote for myself and its gone up to £1800 just for me, for a £300 punto, im SOOO annoyed right now, this is a joke, they want £300 as a deposit.. £300!!!! Do they think im made of money, for goodness sake ive got a £300 punto, thats as much as my deposit.

What a complete joke.

My deposit is more then my mum insures her focus fully comp for.

I aint insuring it myself.
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Well done making everyone on here now think you are a complete tool :)

Congrats
 
Peño said:
LOL.

Typical "Me, me, me!" attitude.

What happens to the third party in the event of an accident?

£1,000+ for Fully Comprehensive cover on any car is reasonable enough for an inexperienced, young, male driver.
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1800 third party mate.
 
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