I bought my first car this week and I'm due to pick it up tomorrow. It's a black P reg (96) Volkswagen Polo 1.4 CL. it jumped out and said buy me, so I did. Yes, I realise I'm a late starter, I've just never need to drive before now. 
Anyway, I have been trying to get a lowish insurace quote as a new driver and found, as expected, prices to be fairly high. Luckily, my partner and I have home insurance with Direct Line and my partner has her car insurance with them. Through discounts I was qouted £489 fully comp (£200 voluntary excess and no other features) for the first year, pretty good I thought. However, I'm a tight git and wanted to get this even lower if possible.
To achieve this we will be registering the car her name, she will be the registered owner. So we went back on the Direct Line website and tried for another quote, this time insuring it as her second car, then putting me as a named driver on the policy. She has many years NCB and 20 years of driving experience.
We were quoted £297 for fully comprehensive, with no voluntary excess (for me there will be compulsory excess) legal cover and guaranteed car hire. This is including interest on monthly payments.
I think this is brilliant since on my own this same policy would have cost me over £600! Also, I will be able to build up my own NCB as a named driver.
Prior to getting this quote I rang Direct Line to confirm the quote for £489 and gave them all the information here and more. They never once suggested to do what I have done, I suppose from a business sense you can see why. But it just goes to show they do try to fleece you for as much money as possible.
Can anyone see why this policy would be a bad idea? I can't.
Anyway, I have been trying to get a lowish insurace quote as a new driver and found, as expected, prices to be fairly high. Luckily, my partner and I have home insurance with Direct Line and my partner has her car insurance with them. Through discounts I was qouted £489 fully comp (£200 voluntary excess and no other features) for the first year, pretty good I thought. However, I'm a tight git and wanted to get this even lower if possible.
To achieve this we will be registering the car her name, she will be the registered owner. So we went back on the Direct Line website and tried for another quote, this time insuring it as her second car, then putting me as a named driver on the policy. She has many years NCB and 20 years of driving experience.
We were quoted £297 for fully comprehensive, with no voluntary excess (for me there will be compulsory excess) legal cover and guaranteed car hire. This is including interest on monthly payments.
I think this is brilliant since on my own this same policy would have cost me over £600! Also, I will be able to build up my own NCB as a named driver.
Prior to getting this quote I rang Direct Line to confirm the quote for £489 and gave them all the information here and more. They never once suggested to do what I have done, I suppose from a business sense you can see why. But it just goes to show they do try to fleece you for as much money as possible.
Can anyone see why this policy would be a bad idea? I can't.
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