Young drivers - What insurance company?

I read somewhere on pistonheads that a 19 year old bought a volvo s60 t5 and his quote was only £1600

Imagine how much a normal s60 would cost.

The point is that it is done on statistics and not always size of the engine.
 
ChocolateStarfishRammer said:
2. Lie. Why yes, It is kept in my garage. And yes, it is in the secure non public carpark at work!

3. Milege. Realisticly, sure he'll probably do the average of 10k miles a year. But, thats 10k miles of chances of a a crash. No Mr insurance company, I only do 2k miles a year.

4. Car Value. This massively puts the cost of the insurance up. But, even if you put half the value, you can still argue it should you need to make a claim.
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2. Wrong. Insuring in a garage is almost more expensive than a driveway, which is more expensive than the street.

3. People do get caught for this and get bent over.

4. Wrong. Often increasing the value of your car lowers the price.

So all together, terrible advice.
 
Disco Boy said:
2. Wrong. Insuring in a garage is almost more expensive than a driveway, which is more expensive than the street.

3. People do get caught for this and get bent over.

4. Wrong. Often increasing the value of your car lowers the price.

So all together, terrible advice.
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Just going off experience.

Personally, doing these I'm saving a couple grand a year.
 
I went with a small local firm for my first car (05 civic type R) worked out much much cheaper than admiral ect ect they wanted 1500+ for a 1.4 civic!! bearing in mind i passed my test on the 1st and got the car on the 2nd and im paying a touch under £1400 for my insurance, fully comp. Though i am 23 now ...
 
If a car is a total loss , most insurance companies will ask you for your V5 and MOT docs, this allows them to see what you Mileage was at every mot you done now, as they stored electronically.

one question they will ask is about the cost of the vehicle you put down. It gives them more leverage when giving you a settlement offer, not a game making decision but they can use it in justifying the amount they offering.

If your going to lie about mileage, where its kept etc, may as well lie about everything, they dont need to have loads wrong with a policy, just one will do.

To the OP, best thing i would advise, is try different sites directly, when you get the cheapest one, ring them up and ask them to look through it with you to see if they can help you with it as its still coming in a bit high.
 
SGWills said:
If a car is a total loss , most insurance companies will ask you for your V5 and MOT docs, this allows them to see what you Mileage was at every mot you done now, as they stored electronically.
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Unless your MOT starts at exactly the same time as your insurance, it's completely impossible for them to say exactly how many miles you've done during your insured period. It is nigh on impossible for them to prove, although I certainly don't recommend doing it.

Have a friend who has an old scrapper of a fiesta which has had the mileometer broken for years and has got the same mileage on MOT certs for the past 3ish years. The recording of mileage was at least up optional until recently, it may still be, I had 2 MOT certs sans mileage recordings for my old Minis.
 
On the Insurance policy, is the annual mileage on the policy for the car? Or is it for, what the policy holder does in the car? I say this as other's could also drive the car.
 
Vita said:
On the Insurance policy, is the annual mileage on the policy for the car? Or is it for, what the policy holder does in the car? I say this as other's could also drive the car.
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Its how many miles in total the car will do per term, whether the policy holder or name driver does the mileage in the car is irrelevant for the question :)
 
Hxc said:
Unless your MOT starts at exactly the same time as your insurance, it's completely impossible for them to say exactly how many miles you've done during your insured period. It is nigh on impossible for them to prove, although I certainly don't recommend doing it.

Have a friend who has an old scrapper of a fiesta which has had the mileometer broken for years and has got the same mileage on MOT certs for the past 3ish years. The recording of mileage was at least up optional until recently, it may still be, I had 2 MOT certs sans mileage recordings for my old Minis.
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with the new checks, you can see previous odometer readings, if it shows the same reading for a couple of MOTs but your mileage is down as 8000 miles per term, they will probe in to it more. the new checks also show the advisories too, so if you were told to change the your break pads by next MOT, you go in to the back of someone, they would get the garage or salvage agent to check the wear on the pads, incase that was the reason you went in to someone, then they can look at a proportional settlement or not covering your costs of repair
 
SGWills said:
Its how many miles in total the car will do per term, whether the policy holder or name driver does the mileage in the car is irrelevant for the question :)
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Are you sure about that?

It is perfectly possible (and legal) for someone else to have a separate insurance policy on the car for their use too, or for someone else to use it under DOC, or for it to be used on private land on trackdays etc. All of those three scenarios are adding mileage to the odometer on the car, but none of which are being covered by my main insurance policy...
 
Westyfield2 said:
Are you sure about that?

It is perfectly possible (and legal) for someone else to have a separate insurance policy on the car for their use too, or for someone else to use it under DOC, or for it to be used on private land on trackdays etc. All of those three scenarios are adding mileage to the odometer on the car, but none of which are being covered by my main insurance policy...
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This is why I asked the question. Too many scenarios!
 
Westyfield2 said:
Are you sure about that?

It is perfectly possible (and legal) for someone else to have a separate insurance policy on the car for their use too, or for someone else to use it under DOC, or for it to be used on private land on trackdays etc. All of those three scenarios are adding mileage to the odometer on the car, but none of which are being covered by my main insurance policy...
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track days and other forms are racing are not covered by most insurance companies. DOC is covered by the other insurance policy, same as if you hit someone whilst using DOC, its the company providing the DOC that is liable.

the mileage you quote is for the policy holder and named drivers to use whilst using their policy legally. So in you head over to the 'ring, not cover by your policy so therefore not using up the mileage on your policy.


edit - im sure on it, otherwise how you suppose to give an estimated mileage, if you dont know whos going to be using DOC to drive your car, going to track days etc
 
Im 24, got my first car three weeks ago. Cheapest I found was admiral at £1580, including breakdown and personal injury cover.

That was with my step dad as a named driver, who has been driving HGV's for over 20 years. With just me on the policy, i was quoted 2k minimum.

Fiesta 2005 1.4
 
SGWills said:
track days and other forms are racing are not covered by most insurance companies. DOC is covered by the other insurance policy, same as if you hit someone whilst using DOC, its the company providing the DOC that is liable.

the mileage you quote is for the policy holder and named drivers to use whilst using their policy legally. So in you head over to the 'ring, not cover by your policy so therefore not using up the mileage on your policy.


edit - im sure on it, otherwise how you suppose to give an estimated mileage, if you dont know whos going to be using DOC to drive your car, going to track days etc
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Exactly as I thought, it's how many miles will be done that the insurance company will be insuring you for. Miles that the insurance company won't be covering you for (either because of another policy covering the use, or the use being on a private track, etc) do not need to be included. Consequently there could quite legitimately be a discrepancy between the annual increase in miles of the odometer recorded at MOT and the number of miles you're insurance policy is for.
 
Westyfield2 said:
Exactly as I thought, it's how many miles will be done that the insurance company will be insuring you for. Miles that the insurance company won't be covering you for (either because of another policy covering the use, or the use being on a private track, etc) do not need to be included. Consequently there could quite legitimately be a discrepancy between the annual increase in miles of the odometer recorded at MOT and the number of miles you're insurance policy is for.
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indeed and like i said if they don't tally up they probe in to it more.

My point was more aimed at if your not giving an accurate mileage you may as well make the rest of the policy up.
 
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