every one hates me but help

[Felix79]

Sersiously get your dad to hold a policy on it and have yourself as a named driver. You can also work up so no claims being a named driver so over next few years and build it up.

Ironically as my old man works in the motor trade it is more expensive for him to get insurance than me !

hows that? is it because he gets them trade plates or summin

Any policy he has for private use only insures him for that car ( he can't drive anyone elses car ) and his trade policy only covers him for driving a customers car which is work related. Because he has access to some extream cars ( Bently Continetal through to Porches , Ferrari's Astons ect ) the isurance companies will not take the risk of him being covered to take them out for a fun drive. My 325i full comp with no no-claims costs me £240 a year , my old man would put another £400 on my policy !.

Oxford is actually a really high risk area thanks to the hospitals and the large amount of crime in the car parks.

[handpaper]

when you pass the test it doubles

Even for named drivers
The wife's been on my policy as a learner for two years; last September she passed her test and my premium went up by over 20%.
The reasoning is that as a learner you're always accompanied by someone who won't let you be a prat; once you pass you're on your own.

[Alex]

only 20% mine was gunna go up 100% and a bit

[Blitz]

My quote at 18 is about £1200 named driver. Policy holder 9 years NCB. Third party fire + theft.

[Alex]

My quote at 18 is about £1200 named driver. Policy holder 9 years NCB. Third party fire + theft.

whats that for 325i ??

[Blitz]

My quote at 18 is about £1200 named driver. Policy holder 9 years NCB. Third party fire + theft.

whats that for 325i ??

316i

[Joshy]

Non robbing bastard (I.E Quin Direct) quotes

84 2.8i Celica Supra - £1300
88 3.0 Supra - £1500
92 E30 316i Touring - £1597 .

Bye bye Mr Touring, I've got a childhood dream to fulfill

[Ian_M]

have you tried quinn direct they quoted me on my H plate 316i withm (get this) a PROVISONAL licence at a few qud shy or £750 may be thats worth a look (that is with a totally stock standard car though)
_________________

bare in mind insurance on a provisinal is cheaper as your supervised at all times..its when your let loose on your own it goes up

Quinn Direct didn't charge me a penny to change my provisional to a full licence, I got the policy out on a provisional as it was £700 cheaper then the full.. but didn't increase once the policy had started so that may be worth checking.

[maxfield]

Sam as Ian_M my insurance didn't go up when I declared I passed

[yamaha1]

ok thats fair enough but think is i found that a 1.1 peugeot 106 (typical first car) COST 1800 ! therefore the difeernece isnt to great so what would you say is a GOOD frist car

[fuzzy]

Non robbing bastard (I.E Quin Direct) quotes

84 2.8i Celica Supra - £1300
88 3.0 Supra - £1500
92 E30 316i Touring - £1597 .

Bye bye Mr Touring, I've got a childhood dream to fulfill

before you get a supra check the running costs, parts etc....

[yamaha1]

yeh true i did think no straightaway so what would you say to get then ?

[Ian_M]

1.1 pug 106... for 1800? You're looking in the wrong place.. Even my 318 (first year of driving) cost less then that!

[Alex]

have you tried quinn direct they quoted me on my H plate 316i withm (get this) a PROVISONAL licence at a few qud shy or £750 may be thats worth a look (that is with a totally stock standard car though)
_________________

bare in mind insurance on a provisinal is cheaper as your supervised at all times..its when your let loose on your own it goes up

Quinn Direct didn't charge me a penny to change my provisional to a full licence, I got the policy out on a provisional as it was £700 cheaper then the full.. but didn't increase once the policy had started so that may be worth checking.

im sure they make it up as they go along. it cost me loads more, even with my corsa when i changed it over cost me an extra 500 quid coz i had passed

[yamaha1]

yeh i made sure i was quoting asif i had the car and i wanted to be insure the next day and i was passed like ive said before i might be able to blag some discount beause i have a years no claims from a moped i have firneds that have done it but i aint deoending on it

[Felix79]

Where is it kept over night? maybe worth saying it is kept in a garage and see how that knocks it down. Also how many miles a year are you telling them your going to be driving? Another are you using it for work? If not make sure they know this to keep the premium down a little lower.

[yamaha1]

so what to say im doin lower milage and business use only ?
yeh i did say it was in a garage

[fuzzy]

business use will bump the premium way up unless its just commuting to and from a place of work.

[yamaha1]

cheers fuzzy yeh just upped to a 318i only 50 qwid more on insurance , worth it ?

[gareth]

small change in the scheme of things, though finding the right car for you will be more important that 316 V 318.

getting married drops the premiums a bit too... how far do you want to go?

[yamaha1]

haha im 16 nearly 17 mate dont think so i cud say i was tho

[GrindCulture]

Remember, straight up lying is a no-no

[yamaha1]

i know i wont be but when graduly moding is saying that what your putting on is a non standard replacemnet part instead of a performance part lying ?

[fuzzy]

and being economical with the truth doesnt help either. its not the insurance companies job to interogate you but your job to declare all relevant information so using "they didnt ask" isnt an excuse either.

[GrindCulture]

I was referring to the marriage comment


As far as I'm aware (correct me if I'm wrong) but non standard and "performance" parts come under the same category, unless the non standard parts are disposable anyway (air filtration elements etc.)

[yamaha1]

just like a non patent part e.g. shocks that are not bmw shocks there made by a universal company

[fuzzy]

when it comes to parts like that unless its really lower then its highly unlikely the insurance company would go to the trouble of stripping your car down to check everything in the event of a claim. you pay your money you take the risk.

[Alyman]

when it comes to parts like that unless its really lower then its highly unlikely the insurance company would go to the trouble of stripping your car down to check everything in the event of a claim. you pay your money you take the risk.

Depends what you crash into really.

I bet if your car damaged a nice car or two in an incident they'd be getting their fine toothcombs out rather than their chequebook. Especially when young guys are probably the most likely to "omit" a detail or two on their policy.