First car

Johnnytoxic · 3 Dec 2006 at 23:28

TinkerBell said:
Your not a law abider.

Leaves thread, before I scream.

Slander I could have you for libel, your tarnishing my name.

TinkerBell · 3 Dec 2006 at 23:28

johnnyfive said:
Slander I could have you for libel, your tarnishing my name.

You did that yourself.

Johnnytoxic · 3 Dec 2006 at 23:29

TinkerBell said:
You did that yourself.

touche

Superdude · 3 Dec 2006 at 23:30

I for one, feel that driving under false documents is immoral and very stupid.

I have always paid the premium and will continue to do so untill idiots who feel that their insurance is too high realise it all works on averages. Sure, you maybe a good driver but that means nothing to other young drivers unless you pay the premium and lower the accident averages.

My insurance was £700 this year and If I couldn't afford it then I wouldn't bother driving. I'd rather do that than break the law and rely on my parents for everything.

I'm 19 for gods sake and this is the real world, get used to it.

johnnyfive said:
insurance is still high even on the mothers like £1.5k for a 1.6 Fiesta, im 22 btw

Get a car with a smaller engine then. Problem solved

Like you said, you drive sensibly now. You don't need to go fast. You can get a better car after you have a few year no-claims.

Stellios · 3 Dec 2006 at 23:31

Oh for crying out loud. If insurance companies employees suggest you going named to save money, then how is it fraud.

He asks about a new car, and people begin a flame war over insurance. Brilliant.

Mr Joshua · 3 Dec 2006 at 23:32

Surely if he's sharing the car and his mother is the main driver he is entitled to be the named driver on her policy?

Johnnytoxic · 3 Dec 2006 at 23:33

You could also say that been on mummys insurance would make the "young drivers" more responsible else you gonna mess up mummys policy and she ain't gonna be too happy, especially if it's her car as well.

sigma · 3 Dec 2006 at 23:34

I think we should have a sticky thread called " The named driver insurance topic " , because i've only been here a month and the constant insurance chat is boring me already!

Johnnytoxic · 3 Dec 2006 at 23:35

Superdude · 3 Dec 2006 at 23:35

johnnyfive said:
You could also say that been on mummys insurance would make the "young drivers" more responsible else you gonna mess up mummys policy and she ain't gonna be too happy, especially if it's her car as well.

Were you on her policy when you first picked up your offences?

Johnnytoxic · 3 Dec 2006 at 23:35

Superdude said:
Get a car with a smaller engine then. Problem solved

Seriously fiat cinq, ford ka, fiat panda all minimum £2k.

No I had my own.

1CE · 4 Dec 2006 at 08:56

Go for a Ford Fiesta 1.25, excellent for a first car. You can pick a good one up for 1.2k, just shop around

James_N · 4 Dec 2006 at 12:06

Stellios said:
Oh for crying out loud. If insurance companies employees suggest you going named to save money, then how is it fraud.

He asks about a new car, and people begin a flame war over insurance. Brilliant.

It happens all the time, its a shame because motors used to be a nicer place than this

digitalwolf · 4 Dec 2006 at 12:30

Soo what happens when his insurance company find out if he crashes that his mum has another car in her name.

They don't pay out.

fonzee · 4 Dec 2006 at 12:50

1CE said:
Go for a Ford Fiesta 1.25, excellent for a first car. You can pick a good one up for 1.2k, just shop around

bingo.

always say it, ill say it again, perfect first car.

Mr Joshua · 4 Dec 2006 at 12:51

digitalwolf said:
Soo what happens when his insurance company find out if he crashes that his mum has another car in her name.

They don't pay out.

Do they even bother looking?

If his mother is sharing the car with him he is entitled to be the named driver anyway.

Mr Jack · 4 Dec 2006 at 13:02

For goodness sake, just answer the lad's question.

Your best bets are probably Fiesta, Corsa, Micra, Polo or 106. All five of them are decent enough little cars, available for not too much money, cheap to insure, with respectable reliability records and not actively unpleasant to drive.

Go with whichever one you find comfortable, and take your time. There's plenty of examples of all five around so make sure you get a decent one.

Oh, and if your spending less than £1500 on the car, don't bother with comprehensive insurance, just go third party only.

al123 · 5 Dec 2006 at 01:27

You can be the named principle driver on your mothers insurance policy. Direct line are not the cheapest but will give you no claims, and if you/mother or father have another car and insures it with them they give you an extra 10% off which is good.

al123 · 5 Dec 2006 at 01:29

digitalwolf said:
Soo what happens when his insurance company find out if he crashes that his mum has another car in her name.

They don't pay out.

You can have as many cars as you want and insure them.

Psycrow · 5 Dec 2006 at 02:06

Insurance companies don't have a crack team of skilled ninjas that follow named drivers around, its a victimless crime, like punching someone in the dark.

Seriously though, for all purposes its legal. If you crash then your insurance company will pay out, they would have to somehow prove you drove it the most which they simply couldn't do.