First car

Johnnytoxic · 3 Dec 2006 at 23:06

Joe T said:
Now, saying that on here is asking for trouble! If its your car, and you are in practice the main driver, then you are technically committing insurance fraud.

Better to have you as the main driver, add your mum as a second driver (can save you over £100 on some policies) and start to build up your NCB. And you dont commit insurance fraud.

I am still on my mothers insurance as I had some bad offences a few years back and it is still stinging me now.

Some policeman with an attitude problem pulled me over once and checked my details. Basically said that I was doing insurance fraud and that I was the main driver. I said prove it and no matter what im still insured to drive this car. He then said be on your way.

Until 5 years im not even thinking about having my own insurance as its 3k+

TinkerBell · 3 Dec 2006 at 23:08

johnnyfive said:
/snip

So basically you haven't learnt your lesson.

Johnnytoxic · 3 Dec 2006 at 23:09

Yeah I have, im no boyracer now and I despise them.

Morba · 3 Dec 2006 at 23:10

johnnyfive said:
I am still on my mothers insurance as I had some bad offences a few years back and it is still stinging me now.

Some policeman with an attitude problem pulled me over once and checked my details. Basically said that I was doing insurance fraud and that I was the main driver. I said prove it and no matter what im still insured to drive this car. He then said be on your way.

Until 5 years im not even thinking about having my own insurance as its 3k+

there is a good reason to quote you £3k+, to force you off of the road, and to make you pay for your wrong doings. your insurance quotes are like that for a reason.

Psycrow · 3 Dec 2006 at 23:10

I was under my Dads name for my first 2 years of driving. Just about everyone I know did the same until insurance came down to an affordable level. In the worst case situation of you crashing, how can they prove you drive it the most?
It may not be proper but it sure is common!

Now when a guy at work tried to get his imported Impreza STI insured under his mums name at 21, they laughed at him and put the phone down :rolleyes:

TinkerBell · 3 Dec 2006 at 23:10

johnnyfive said:
Yeah I have, im no boyracer now and I despise them.

But your still on your mother's insurance as a second driver not a main driver, so to an extent you haven't learnt your lesson.

Johnnytoxic · 3 Dec 2006 at 23:12

Morba said:
there is a good reason to quote you £3k+, to force you off of the road. your insurance quotes are like that for a reason.

So because of a few minutes of stupidity when I was 18 and having to retake my tests again I shouldn't be allowed to drive for five years even though I had already served a 1 year driving ban??

Mr Joshua · 3 Dec 2006 at 23:12

jonnyc90 said:
I'll get back to that soon
Have to ask my mum as she is going to be the 'main driver' as apparently it lowers the insurance quote.

My dad is the main driver on our policy so I'd go for it especially if you're sharing the car.

Johnnytoxic · 3 Dec 2006 at 23:12

TinkerBell said:
But your still on your mother's insurance as a second driver not a main driver, so to an extent you haven't learnt your lesson.

??? I didnt get done for insurance fraud

Morba · 3 Dec 2006 at 23:13

johnnyfive said:
So because of a few minutes of stupidity when I was 18 and having to retake my tests again I should not be allowed to drive for five years after I had already served a 1 year driving ban??

you should be allowed to drive, but with increased insurance premiums as you must be a high risk driver. as much as we like to think people change overnight, a lot of the time that isnt the case.

pay your dues tbh.

TinkerBell · 3 Dec 2006 at 23:14

johnnyfive said:
??? I didnt get done for insurance fraud

So it is ok to commit insurance fraud even if you didn't get caught? Is that what your saying.

Johnnytoxic · 3 Dec 2006 at 23:14

Morba said:
you should be allowed to drive, but with increased insurance premiums as you must be a high risk driver. as much as we like to think people change overnight, a lot of the time that isnt the case.

pay your dues tbh.

I have

1 year ban
retake of tests
insurance is still high even on the mothers like £1.5k for a 1.6 Fiesta, im 22 btw

Johnnytoxic · 3 Dec 2006 at 23:16

TinkerBell said:
So it is ok to commit insurance fraud even if you didn't get caught? Is that what your saying.

I never said I was the main driver, hypothetically speaking it would make sense to do it.

TinkerBell · 3 Dec 2006 at 23:17

johnnyfive said:
I never said I was the main driver, hypothetically speaking it would make sense to do it.

I dont think it would. It is people who commit insurance fraud then crash because the car they are driving is too fast for what they can afford that increase insurance premiums for the rest of us.

Johnnytoxic · 3 Dec 2006 at 23:19

TinkerBell said:
I dont think it would. It is people who commit insurance fraud then crash because the car they are driving is too fast for what they can afford that increase insurance premiums for the rest of us.

Indeed, bit of a difference going to mothers insurance for like a subaru and a 1.6 fiesta.

Subaru I see where your coming from.

Morba · 3 Dec 2006 at 23:20

johnnyfive said:
I have

1 year ban
retake of tests
insurance is still high even on the mothers like £1.5k for a 1.6 Fiesta, im 22 btw

no you havent, points stay on a license for a period for a reason.
im not bothered how old you are or what you drive either.

if you cant afford to legally drive on the road, then you shouldnt be on the road.

TinkerBell · 3 Dec 2006 at 23:20

johnnyfive said:
Indeed, bit of a difference going to mothers insurance for like a subaru and a 1.6 fiesta.

Subaru I see where your coming from.

But still if you cant afford to insure a 1.6 fiesta on your own insurance don't drive a 1.6 fiesta.

Johnnytoxic · 3 Dec 2006 at 23:21

Morba said:
no you havent, points stay on a license for a period for a reason.
im not bothered how old you are or what you drive either.

if you cant afford to legally drive on the road, then you shouldnt be on the road.

I am legal, I am insured to drive a 1.6 fiesta!!

Johnnytoxic · 3 Dec 2006 at 23:23

TinkerBell said:
But still if you cant afford to insure a 1.6 fiesta on your own insurance don't drive a 1.6 fiesta.

Why not when Im legally entitled to. Preach to the law makers not the law abiders.

TinkerBell · 3 Dec 2006 at 23:27

johnnyfive said:
Why not when Im legally entitled to. Preach to the law makers not the law abiders.

Your not a law abider.

Leaves thread, before I scream.