Im 17 in december and once i pass my test im gonna buy a small car 1.1/1.2 etc.
I have heard that if i put my mum as the primary driver and me as my secondary driver it is very cheap (with directline this is)
Is there any other cheaper ways?
2007-07-09 05:22:45 · 1 answers · asked by Anonymous in Cars & Transportation ➔ Insurance & Registration
Tried confused.com you n00b
2007-07-09 05:47:44 · update #1
1-800-safeauto
2007-07-09 05:30:06 · answer #1 · answered by Hot Coco Puff 7 · 11⤊ 0⤋
As you said you heard this about DirectLine...
It used to be their policy that reps could state that if your parent got the documents in their name and insured the car under their name and had you as a second driver it would be cheaper and you would build up a discount. However, about a year ago Direct Line informed all reps that this was no longer allowed as it forms a 'fronted risk' policy.
Basically, if it is your car and you are the main driver then you must insure it under your name, which is more expensive. If you insure it under someone else's name and then make a claim the insurance company may refuse to pay out.
Other companies may be different, but that is Direct Line's policy and I imagine it is the same with other companies.
2007-07-10 07:08:38 · answer #2 · answered by Anonymous · 0⤊ 0⤋
Two things...
When posting this type of question you should provide info on where you live (at least the country). Different Countries, States, Providences and Territories have different laws and guidelines surrounding insurance. Otherwise, you can receive good responses that end up being worthless because they don't apply to you.
Second, insurance should be looked at like any other purchase...price should be considered...but you have to make certain that you get what you need and/or want (in this case, the proper coverage required to protect yourself and your Mom from possible future liability).
Make sure whatever "cheap" policy you purchase actually covers your (and your mom's) financial exposure. Saving a little money upfront will seem insignificant if your mom ends up losing her house or savings for an accident where you're at fault.
2007-07-09 06:05:50 · answer #3 · answered by widewillie 4 · 0⤊ 0⤋
Buy an inexpensive used car ("sedan" with 4 doors, or a "wagon," also 4 doors, insurance companies like lots of doors). The more a "grandma's car" it is, the more insurance companies like it. Pay cash, don't finance it, that way you can avoid expensive comprehensive and collision coverage. On the other hand, if you wreck it you pay for the damage, and if the stereo is stolen you're also out of luck. Don't get any traffic tickets, don't let anyone else drive it, don't get any traffic tickets, use seat belt, don't get any traffic tickets, and don't have more than one other teen in the car with you (percentage of accidents, and tickets, increases with the number of teens in the car). And don't get any traffic tickets.
The insurance company has a right to know who really is the primary driver. If they find you've been less than truthful, thay may cancel your insurance, and may refuse to pay claims (not legal, but what are you going to do about it?)
2007-07-09 05:48:56 · answer #4 · answered by Beaugrand 3 · 0⤊ 0⤋
Whilst I am an insurance broker and would not mind Direct Line if they charged an incorrect premium, I would have to say that if you buy the car then you insure it in your name. Even if you get your mother to buy the car you should declare that you are the main driver when you apply for insurance.
Failure to do so is called 'Fronting' and a) is a criminal offence and b) if you do injure someone or cause damage to property then the insurance company will come after you for their costs.
In other words. Don't do it!
2007-07-10 01:32:38 · answer #5 · answered by welcome news 6 · 0⤊ 0⤋
Classic car and Motorcycle insurance is the cheapest
2007-07-09 05:34:30 · answer #6 · answered by ClassicMustang 7 · 0⤊ 0⤋
Well, if you are the second driver you will only get no claims with directline because no other company will reconise the no claims discount as a second driver.
therefore you will be wasting your money, unless other companies in the future reconise your no claims.
it will be cheaper in the short term, but in the long term, more expensive
my friend bought his first car and put his dad as the main driver and him and the second and when he was 26 he went to get his own insurance it still cost him over a £1000 even though he had been driving for over 6 years
2007-07-10 00:50:06 · answer #7 · answered by Anonymous · 0⤊ 0⤋
ive been a named driver for 4 years because im 24, and they wrip you off till youre 25! The best ive found are, the aa, tesco and more recently www.swiftcover.com (its fab, you do everything online and print off youre certificate etc)
good luck!
2007-07-09 11:46:37 · answer #8 · answered by LAURA L 2 · 0⤊ 0⤋
it may be cheaper to put your mum as main driver, but it is better to just pay what you have to and build up your no claims if you can
my daughter got a really good quote from elphant, b ut just shop around.
2007-07-12 08:23:08 · answer #9 · answered by janemull 3 · 0⤊ 0⤋
thats the exact way my brother did it he had dad as the primary driver and him as a secondary driver also through directline
2007-07-09 05:30:37 · answer #10 · answered by Sarah C 2 · 0⤊ 0⤋