VW Golf 1.6 -- £3100 Insurance

support_bae · 28 Dec 2010 at 20:11

If I was a girl I would only need to pay £1100.....

Is there anyway to get cheaper insurance? I can afford to pay it monthly but yearly..

Would it be illegal to have my dad as main driver and me as a named driver? This brings it down to £1500 odd

The Edge · 28 Dec 2010 at 20:14

support_bae said:
Would it be illegal to have my dad as main driver and me as a named driver? This brings it down to £1500 odd

That's fronting. Illegal. Chances of being found out - slimmish.

It is frowned upon here, be ready to get shot down in flames.

Legal ways, add some experieced drives as other drivers. Try a differant company some speciallise in young/new drivers. Alternatively try a differant car.

Skilid · 28 Dec 2010 at 20:15

Yes, it's illegal. Called fronting.

EDIT: Dammit! Lol.

Locky · 28 Dec 2010 at 20:15

with quotes of 3 grand plus, the police wonder why there is so many uninsured drivers.

mjt · 28 Dec 2010 at 20:15

I'd do it, but then having lived in Belgium for so long I don't even know where the book to do things by is..

Either front, or get something else.

Kenai · 28 Dec 2010 at 20:15

Who is that with and who else have you tried?

How old are you?

Laser man · 28 Dec 2010 at 20:16

My brother has a 1.6 5 door golf gl from 97 or something and he only paid 1200 for his first year

The Edge · 28 Dec 2010 at 20:17

Locky said:
with quotes of 3 grand plus, the police wonder why there is so many uninsured drivers.

Quite, i think it's a disgrace. By all means hammer people who've had a claim, but with these outrageous prices for new drivers and even people who've never had a crash/claim the industry is only making the problems of fronting and uninsured drivers worse.

siumatfung · 28 Dec 2010 at 20:19

put your mum or some female relative on as a 2nd driver

they normally reduce it and its not fronting as you are still the main driver what site have you gotten this quote from?

MarcD3832 · 28 Dec 2010 at 20:19

When you put your dad on did you add that he had no claims?

support_bae · 28 Dec 2010 at 20:19

i'm 21 and had my license for less than a year.
got the quote from one of the compare website and its with admiral
my dad has his license for 15 odd years and has currently 6 years no claims

if i pay up the 3 grand and have a 1 year ncb, what would i be expecting to pay for year 2?

mjt · 28 Dec 2010 at 20:20

Don't use the compare sites; go to the insurance companies directly.

Locky · 28 Dec 2010 at 20:20

My dad who is 50+ has a 2.0 ford mondeo and 10 years+ no claims, no convictions etc, was getting stupid quotes of 1000+, this is with a half decent post code, In the end had to settle with 400 quid.

Kenai · 28 Dec 2010 at 20:23

Add your parents as named drivers, they should drop a chunk off.

£3000 is a lot for a 1.6 Golf with Admiral, even considering the short duration you've held your license. I'm in very similar circumstances to you albeit a couple of years older and they only wanted around £1000 for my GTI.

What is the first half of your postcode? You may just live in a poor area for insurance.

Having a job helps too, putting unemployed or student makes quotes mad for me, part of the reason I didn't bother with a car until I needed one for work.

Scania · 28 Dec 2010 at 20:23

support_bae said:
If I was a girl I would only need to pay £1100.....

Is there anyway to get cheaper insurance?

You answer your own question, have a gender swap.

The Edge · 28 Dec 2010 at 20:26

support_bae said:
i'm 21 and had my license for less than a year.
got the quote from one of the compare website and its with admiral
my dad has his license for 15 odd years and has currently 6 years no claims

if i pay up the 3 grand and have a 1 year ncb, what would i be expecting to pay for year 2?

I think the car may be half your problem. Try a quote on something smaller, you should be able to legally insure something for about £1500ish i'd have thought.

The fronting option is tempting, but bear in mind unless you use certain companies you cannot build up any NCB of your own. You have to take the hit sometime.

Joshy · 28 Dec 2010 at 20:32

Get something else.

A 1.6 Golf is not worth losing your license (6 points for no insurance if the police catch you) or making yourself uninsureable/"black listed" (if your insurance company finds out).

Golfs are typically quite expensive to insure for some reason.

[TW]Fox · 28 Dec 2010 at 20:43

Joshy said:
Get something else.

A 1.6 Golf is not worth losing your license (6 points for no insurance if the police catch you)

As much as I hate fronting this isnt true - as at no point is the car really 'uninsured' - disputes between insured and insurer do not divest the insurer of its obligations under the RTA, as far as I know.

Morba · 28 Dec 2010 at 20:43

Was that your lowest quote?! Do you have convictions or something?
That's terrible, even for a comparison site

The Edge · 28 Dec 2010 at 20:48

Morba said:
Was that your lowest quote?! Do you have convictions or something?
That's terrible, even for a comparison site

It's gone absolutely stupid for any young or new driver. To add a 17 year old on a provisional to near new fiat 500 - £2500. Thats a named not main driver.

VW Golf 1.6 -- £3100 Insurance

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