bought a first car... opinions

I'd have several friends who have stacked cars that were insured under their parents name with them as a named driver and non of them have had a problem when claiming.

Though i'm still glad I payed £1700 to insure my first 1.2 Clio last year because i'm insuring something a damn sight faster for around a grand this year with 1ncb at 18. It is worth the sting in the first year if you make the 1yr ncb.
 
willd58 said:
FFS people, I know you don't like it, but some insurance company's (read, everyone single one I have asked, including elephant, NU, Bell and Direct Line) have all said being a named driver is fine even if you are the main driver.

Iv even had it friggin recommended to me over the phone by 2 company's when iv phoned for insurance. Can we get off high horses here and actually use facts instead of theoretical BS when it comes to this argument. I know there are some elitist morons on this forum who like to belittle new drivers who cant afford the ridiculous premiums, but your simply talking rubbish and tbh its made a few respected motors members seem quite stupid at some points.
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Well said. people who fall within this are annoying. as long as ** insuranced its fine. enjoy ** 1st car m8.
 
NickXX said:
Quoted for the truth. Bored of the morons who bleat insurance fraud every time this comes up.
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hittman said:
Well said. people who fall within this are annoying. as long as ** insuranced its fine. enjoy ** 1st car m8.
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Cheers for letting me know im not the only one who thinks this.
 
A mate of mine had his car stolen from a Bracknell car park (The Point if you know the area). He'd done the same thing and got his dad to insure the car with him as a named driver.

When he tried to claim they realised he was the main user of the car (his dad lived in Sheffield and he lived down South near Bracknell) and they refused to pay out so he ended up losing everything. Mind you, this was around 10 years ago! So I would check with the individual company before doing that kind of thing, things may well have changed though.

If you ask me there is clearly a reason why they charge £2000 to insure a young lad with his mother as a named driver, yet when it is vice versa it only costs £1000.
 
Willd58: A friend of mine had a Renault Clio 1.4RT about 4 or 5 years ago, insured fully comp in his mother's name (which saved about £500 on the premium). He stacked it into a hedge, doing a fair amount of damage, and the insurance company refused point blank to pay out when they discovered his mother owned another car and never drove the Clio.

So it does happen.

I personally don't like people cheating the system to get a cheaper quote as it means more expensive quotes for the rest of us. Imagine if every young lad in the country saved £500 on his quote by insuring under a parents name. Perhaps there's 1 million 17-20 year old males driving.The amount of crashes is going to be the same year to year regardless, but the insurance company are going to have £500,000,000 less to pay out for claims because everybody's cheated the system. To make up the difference, the other 30 million users of the road have to pay an extra ~£18 on their policy.
 
Firestar_3x said:
Its seriously slow to the point of dangerous
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It will do 0-60 in 12.0 secs, and has a top speed of 106mph, how is that dangerous?

Would you also call the 1.2 clio dangerous, which is actually slower?
 
Nice first car, but make sure you dont crash if your insured TPFT as a car costing £3500 is a lot of money for a first car. Congratulations, its a nice feeling to be able to drive without someone watching over your shoulder :)

Yes i would whats your point?
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Why? Clios, Corsas and Saxos etc are very mainstream. They may take a while to accelerate, but i ceratinly wouldnt call mine dangerous.
 
Wicksta said:
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timbob said:
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Fair enough if you've got mates who have actually lost out because of insurance company's not paying out for that kind of thing, im sure in retarded cases where the dad lives half way across the country to where the cars being kept with the named driver one or two insurance company's might get funny. Iv never heard of it personally mind you.

What gets up my back is when people get arsey claiming its illegal and citing its fraud and other such blanketing nonsense, when insurance company's are actively telling people over the phone to do it in some cases.

Its clearly not illegal and not against the majority of company's policies, the only reason I could see someone getting annoyed about it and claiming, and in fact not actually telling the truth by saying, its illegal is because they wanna be on a high horse and belittle other people.
 
I decided on the 1.4 Clio as it was slightly faster compared to the 1.2 which is quite slow at high speeds. I can see why it can be dangerous, only if overtaking.
 
Firestar_3x said:
Its seriously slow to the point of dangerous, pulling out of busy junctions and the such is just awfull!
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What absolute rubbish!!!

My first car was a Renault 5 with 60bhp and a 0-60 time of 15 seconds and I never had a problem pulling out of busy junctions whether it be central Birmingham in rush hour or an M6 slip road. My 2nd car at the moment is a 14 year old Fiesta 1.1 that once had 55bhp and probably can't crack 20 second 0-60 time and you know, despite owning and regulary driving a car that can do 0-60 in a quarter of the time of the Fiesta I never find myself having trouble pulling out of busy junctions or onto the A14 in rush hour. I simply choose safe gaps and time my acceleration to match traffic. It's really not that difficult.
 
Stellios said:
Why? Clios, Corsas and Saxos etc are very mainstream. They may take a while to accelerate, but i ceratinly wouldnt call mine dangerous.
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After experiencing both sides of the coin and having both cars at the same time to drive i would.

Turning right out of busy junctions is hard, merging onto a fast moving motorways is hard, going from 55mph behind a truck and merging into 70mph + traffic on a busy motorway is hard work.

Its all hard work, cause its a low powered highly stressed sewing machine engine with 3 doors and a roof.

Perhaps its just me then...............

But thats besides the point this has all come about cause someone futher up stated his corsa was some sort of fast rocket ship or something...
 
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Del Lardo said:
What absolute rubbish!!!

My first car was a Renault 5 with 60bhp and a 0-60 time of 15 seconds and I never had a problem pulling out of busy junctions whether it be central Birmingham in rush hour or an M6 slip road. My 2nd car at the moment is a 14 year old Fiesta 1.1 that once had 55bhp and probably can't crack 20 second 0-60 time and you know, despite owning and regulary driving a car that can do 0-60 in a quarter of the time of the Fiesta I never find myself having trouble pulling out of busy junctions or onto the A14 in rush hour. I simply choose safe gaps and time my acceleration to match traffic. It's really not that difficult.
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I'd be inclined to say that its more the attitude of the driver, or at least the impression they have of their car (ie, thinking its a fire breathing speed monster) that makes it dangerous. You say you choose safe gaps and time acceleration etc, but the same can't be said for all young drivers.
 
Six6siX said:
I'd be inclined to say that its more the attitude of the driver, or at least the impression they have of their car (ie, thinking its a fire breathing speed monster) that makes it dangerous. You say you choose safe gaps and time acceleration etc, but the same can't be said for all young drivers.
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Very true though I wouldn't consider myself to be a "young driver" any more ;) and with the wrong attitude any car can be dangerous. I don't disagree that a low powered car can be frustrating to drive (I actually enjoy hustling the underpowered piece of poo Fiesta along at a rate of knots but then I am strange) but to call it dangerous is simply not right.
 
timbob said:
I personally don't like people cheating the system to get a cheaper quote as it means more expensive quotes for the rest of us.
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Agreed, that's why people 'go on about it' - because technically it is fraudulent and the people who have to pay for this fraud are other motorists who pay their insurance properly.
 
Firestar_3x said:
Perhaps its just me then...............
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Yep, just you :p

I had an old beetle that could barely even get to 60. Took it all over country for two years, mostly at 55mph, and never felt that to be 'dangerous'. Slow and relaxing, but not dangerous. You just adapt your driving style accordingly.
 
bmh.01 said:
I'd have several friends who have stacked cars that were insured under their parents name with them as a named driver and non of them have had a problem when claiming.

Though i'm still glad I payed £1700 to insure my first 1.2 Clio last year because i'm insuring something a damn sight faster for around a grand this year with 1ncb at 18. It is worth the sting in the first year if you make the 1yr ncb.
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Whatc
 
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