Parents insurance or my own car?

to be honest though, how on earth would the insurance company find out that you drive the car more then your parents? Unless you have like 10 bumps and your driving at the time with all of them?
 
[TW]Fox said:
Errr, its a Mk3 Mondeo. It's not a rocketship in 1.8 litre form.
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:D

yeah, i know it's not the worlds fastest car, but he's got practically zero road experience. i'm just suggesting he'd be better off with a 1.1 or less, at least for the first year. if he does turn out to be one of those who goes a bit nuts behind the wheel, he'll do less damage in a small, low powered car.

hey, but maybe i'm just clouding the issue with my own personal experience.
i passed my test at 18. didn't drive again after the test for 18 months. then got a job driving 7.5 tonne trucks. had loads of bumps and scrapes.

then started buying my own cars.
first one - capri 2.0 sport - had it 7 months and then rolled it into a ditch - write off.

second one - cortina 2.0 - had it 6 months - shunted the front end - write off.

third one - capri 2.8 injection - had it 8 weeks and blew the gearbox apart (dropped it into 3rd instead of 5th at 120ish) - couldn't afford the cost of a gearbox rebuild so sold at a big loss (at the time a years insurance for that was 1300 quid, couldn't afford that so had paid 400 for 3 months!)

fourth one - fiesta 1.0 popular - belonged to the then girlfriend - naff all power, but that's when i learned to start taking it easy...

---

i guess the other reason i'd suggest going under his own car is to start building up some no claims. at his age he needs all the help he can get reducing that premium.

:)
 
MrWhippy said:
i would say option 2,and this is why:-

1) your old mans car is too powerfull for your level of experience.
you get in a 1.8 litre fuel injection motor and get a few mates in and give it a bit of right foot for the fun and you'll be flying. which will be great until you overstep your abilities and it all goes wrong.
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I drive one of those 1.8 fuel injection motors on my parent's insurance. Fact is, you can be a moron in any car. I am very heavily against the idea of too powerfull for experience (within reason of course). My Grandad learnt to drive in a tank and he seems to do alright. :D
OP:


I would go on your parents insurance, its cheaper, you are still covered and you need road experience before you dump somthing on your wallet, so it might as well be your parents for the meanwhile. :D
 
Phoenix211 said:
to be honest though, how on earth would the insurance company find out that you drive the car more then your parents? Unless you have like 10 bumps and your driving at the time with all of them?
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There is a 1.8 mondeo in the drive and a J reg 1.1 punto, in the house there is a man of 45 and his son of 18........... Why are both car insured under the dads name :confused: whats going on? :confused: ?

:rolleyes:
 
Option 2 you might be in a worse car and have to wait 6 months but it will be yours and you will be able to go where you want when you want. Not still asking to borrow the family car in three years time(three years is a long time to have no car of your own). It also gives you 6 months to save more money to go on top of the £1400.
 
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