Car Insurance Help

SubFocus · 12 Jan 2011 at 20:38

Hey guys,

I'm getting my driving license soonish, have paid for a crash course in Blackpool as I seem to suck at driving

However I won't be getting a car right away, but I will still require transport to and from work. My dad is being so kind (or crazy!) as to get me on his insurance so that I can commute until I get my own.

However up to now, most quotes using Moneysupermarket.com have been around £9,000 to £13,000!!

Can anyone recommend a company who may give a more lenient quote for a named, new driver? I'm new to all this and kinda struggling so any help would be greatly appreciated

Oh - and my dad has been driving for around 15 years, and has 12 years no claims I believe. Thanks all

~Divine~Wind~ · 12 Jan 2011 at 22:41

Sounds as if you're trying to start a brand new policy?
Are you sure you're adding yourself to your fathers current insurance?

Invertigo · 12 Jan 2011 at 22:53

It depends on what car your dad drives, as well. My dad's current insurance is ~£300 a year (24 years license, 17 years no claims), but if I was to be added as a named driver, it shoots up to £7k.
I'm 20, with 2 years no claims, and the car in question is a 2000 BMW 528i, so it doesn't really surprise me.

SubFocus · 13 Jan 2011 at 00:01

~Divine~Wind~ said:
Sounds as if you're trying to start a brand new policy?
Are you sure you're adding yourself to your fathers current insurance?

Hi mate,

Yes - made that mistake at first! First we created a new policy for myself and i think the quote was £13-14,000 - we then created a new policy just for my dad which came to about a £1000, but once I'd added myself as a named driver it shot up to around £9000

He drives a Jaguar XJ, the 2010 portfolio. It's a diesel, at 3.5 litre.

Any suggestions?

SubFocus · 13 Jan 2011 at 00:01

Invertigo said:
It depends on what car your dad drives, as well. My dad's current insurance is ~£300 a year (24 years license, 17 years no claims), but if I was to be added as a named driver, it shoots up to £7k.
I'm 20, with 2 years no claims, and the car in question is a 2000 BMW 528i, so it doesn't really surprise me.

Yup - shot up to silly amounts once I'd added myself as a named driver to his policy

Think I'm buggered...

Stormster · 13 Jan 2011 at 00:21

lol what exactly do you expect on a car like your dads?

thepeganator · 13 Jan 2011 at 00:29

Um what did you expect on a car like that!

Cheaper off getting a small car for yourself and starting your own policy!

Don't be tempted to front doing this though...

WrathOfAchilles · 13 Jan 2011 at 00:30

SubFocus said:
Hi mate,

Yes - made that mistake at first! First we created a new policy for myself and i think the quote was £13-14,000 - we then created a new policy just for my dad which came to about a £1000, but once I'd added myself as a named driver it shot up to around £9000

He drives a Jaguar XJ, the 2010 portfolio. It's a diesel, at 3.5 litre.

Any suggestions?

Its a new XJ... of course you are not going to get sensible ins.

Iamzod · 13 Jan 2011 at 01:32

This surely can't be a serious thread can it?

neil3k · 13 Jan 2011 at 10:35

lol thread is lol

eXist · 13 Jan 2011 at 10:45

weres fox?

~Divine~Wind~ · 13 Jan 2011 at 11:10

and then you told us the car

apatia77 · 13 Jan 2011 at 11:21

Tell your dad to downgrade his car to a 1999 Vauxhall Corsa, then add yourself as a named driver, it'll be much cheaper than the quotes you are getting atm.

Disco Boy · 13 Jan 2011 at 14:10

At first I was like :eek:

Then I saw the car and was like

Invertigo · 13 Jan 2011 at 14:36

3.0d V6 Premium Luxury 4d Auto Insurance Group: 48

Closest match I could find.
Oh, and 50 is the highest band

For comparison, a '10 Fiesta Zetec

1.4 Zetec 3d Insurance Group: 8

ash_scotland88 · 13 Jan 2011 at 15:59

My suggestion, if daddy can afford a bran new Jag he can afford an older 2nd hand car for you!

Also I don't see how a crash course will help with bad driving? Surely normal lessons and you driving with parents in the car would be better?
eg instead of your dad driving to the shops he gets you to drive instead (obviously with him in the car)

It all takes time, I remember I was constantly stalling at first. Ending up going round quiet back streets with my mum doing the main drive of to and from.

SGWills · 13 Jan 2011 at 16:12

Try putting yourself as policy holder some companies will hike the price because your the higher risk than the policy holder your putting in. Add on mum and dad on a admiral quote and see how it goes

SubFocus · 13 Jan 2011 at 20:12

Thanks for the replies. Yeh, guess it's all down to his car, damn him!

I can't do lessons with my parents unfortunately as I don't think I would benefit from driving his jag as it's an automatic, and my mum can't drive

.

SGWillis -thanks, i'll try that

Cheers guys

SubFocus · 13 Jan 2011 at 20:13

ash_scotland88 said:
My suggestion, if daddy can afford a bran new Jag he can afford an older 2nd hand car for you!

Also I don't see how a crash course will help with bad driving? Surely normal lessons and you driving with parents in the car would be better?
eg instead of your dad driving to the shops he gets you to drive instead (obviously with him in the car)

It all takes time, I remember I was constantly stalling at first. Ending up going round quiet back streets with my mum doing the main drive of to and from.

Hi mate - At first i was doing one hour a week and i really wasn't benefiting from it, he let me drive on my own once down a street and my arms were locked as I lacked confidence. I have a little more now and i do think the crash course will help with around 4/5 hour tuition per day.

Car Insurance Help

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