INSURANCE QUESTION

koooowweeee · 17 Oct 2010 at 13:17

hello

witch insurers can you have 2 people on and you both get no claims discounts?

also do you guys no any insurers that are good for vans. keep getting expencive quotes because ive only been driving a year and have no no-claims and only 27.

so was thinking about getting my girlfriends dad to insure the van with us both on it

thanks koooowweeee

Princey · 17 Oct 2010 at 13:26

Direct Line, but those ncb for the named driver can only be used with Direct Line iirc.

koooowweeee · 17 Oct 2010 at 13:30

Princey said:
Direct Line, but those ncb for the named driver can only be used with Direct Line iirc.

are right thats no good then is it.

so would i have to do another year with them and then i would have 2 with another company?

Princey · 17 Oct 2010 at 13:36

The main driver can use the ncb with another company yes but named drivers are unfortunately limited to the original company.

GingerNinja1989 · 17 Oct 2010 at 13:49

Princey said:
Direct Line, but those ncb for the named driver can only be used with Direct Line iirc.

The named driver has to have a Direct Line policy for a year, and then after that it becomes a 'proper' no claims bonus, IIRC.

koooowweeee · 17 Oct 2010 at 14:05

so after a year can i take that bonus to another company if im the named driver?

[TW]Fox · 17 Oct 2010 at 14:08

Its your van, you should be the policyholder.

GingerNinja1989 · 17 Oct 2010 at 14:12

koooowweeee said:
so after a year can i take that bonus to another company if im the named driver?

Think so

koooowweeee · 17 Oct 2010 at 14:23

[TW]Fox;17590527 said:
Its your van, you should be the policyholder.

that does not matter as long as its insured does it.......

DM · 17 Oct 2010 at 14:25

koooowweeee said:
that does not matter as long as its insured does it.......

I think what you want to do is called fronting.

[TW]Fox · 17 Oct 2010 at 14:25

koooowweeee said:
that does not matter as long as its insured does it.......

Yes, of course it matters. For a start almost every insurer will require that the policyholder is the main driver. To pretend this is the case when it isn't is fraudeulent and could lead to a void policy. Those that do allow you to do this if you are honest about the circumstances will raise the premium to reflect the higher risk.

You are receiving high quotes because they consider you to be a risk. Pretending you wont drive it much and its Daddys van is in almost all cases fraud.

Buy a proper policy, or do not drive a van. It really is that simple.

koooowweeee · 17 Oct 2010 at 14:30

[TW]Fox;17590671 said:
Yes, of course it matters. For a start almost every insurer will require that the policyholder is the main driver. To pretend this is the case when it isn't is fraudeulent and could lead to a void policy. Those that do allow you to do this if you are honest about the circumstances will raise the premium to reflect the higher risk.

You are receiving high quotes because they consider you to be a risk. Pretending you wont drive it much and its Daddys van is in almost all cases fraud.

Buy a proper policy, or do not drive a van. It really is that simple.

your jumping to conclusions here. he drives the van as much as me as we work together. the van is mine but the insurance will just be in his name. if i pay for fully comp then whats the difference.

theres always one trying to be a do gooder.

a tleast im paying for the insurance and if i do hit someone then they will still get paid.

DM · 17 Oct 2010 at 14:32

Just explain you have equal use to the insurance co and bite the bullet then, the sooner you get a bit of no claims the sooner you will start saving.

koooowweeee · 17 Oct 2010 at 14:33

DiamondMark said:
Just explain you have equal use to the insurance co and bight the bullet then, the sooner you get a bit of no claims the sooner you will start saving.

think thats what ill have to do just get the first year over and done with. 500 upfront and £157 a month is a bit steep tho

DM · 17 Oct 2010 at 14:34

koooowweeee said:
think thats what ill have to do just get the first year over and done with. 500 upfront and £157 a month is a bit steep tho

You have started at a good age though, 27 takes the sting out of it, couple years you will be laughing.

koooowweeee · 17 Oct 2010 at 14:36

DiamondMark said:
You have started at a good age though, 27 takes the sting out of it, couple years you will be laughing.

ye true.

my girlfriends little bro was 17 and is insurance was £3000 i did a quote on his car and it was £1500 lol but he is more at risk and did end up smashing it up. but was only because the car in front crashed. witch yes he should have been watching but was a accident

DM · 17 Oct 2010 at 14:39

You are doing the right thing, fronting behind your dad might just end up in tears, thats all Fox was saying, better safe than sorry where insurance is concerned in my opinion.

TS7 · 17 Oct 2010 at 14:42

Yeah the one with in that advert... with the guy who makes that joke about not cutting corners... and then they show him cutting a corner.. and then he says ''you know what I mean''.. and it's a major LAUGH OUT LOUD moment. You know the one?...

koooowweeee · 17 Oct 2010 at 14:53

DiamondMark said:
You are doing the right thing, fronting behind your dad might just end up in tears, thats all Fox was saying, better safe than sorry where insurance is concerned in my opinion.

what i wanted to no was before it went off topic was what company is it were you both get NCD. so what fox said had nothing to do with it. as he would be insured on his car and i would be on his policy with my van. but some people like to jump to conclusions and not read the full post,

[TW]Fox · 17 Oct 2010 at 14:55

I read the full post, which at the time said:

so was thinking about getting my girlfriends dad to insure the van with us both on it