fiestaturbo.com

[Joweseff]

hey all im 17, and am looking for a 1.6 si, ive been drivin cars since i was younger (i know on the road now that its a totally different kettle of fish) but my brother has a 1.6 fez si and ive driven that quite well... i am going to be using the direct like insurance where named drivers can build up their no claims

ive been quoted 325.

i am aware the risk of me having an accident is far higher but i rarely go cruising round towns because i aint 'wanksta' ill be driving to college and to work and occasionally my dads

what yall think?

[mike_w]

alright mate, i might aswel say before anyone else does that eh quote does depend where you live and all that but that seems a good price and even tho it is risky bein a named driver but the main driver but if your willing to risk it. i might have to do same as when i come round to gettin sorted with car im not gonna be able to pay like nearly 2grand for insurance

[Joweseff]

yeah i have been getting alot of reallly excessively high quotes but the direct line thing seems legit and the old man is okay with me doin it so may aswell

[ogmog]

that is a good quote i live in a low crime area and mine is more than that but its in my own name and im a few yrs older.

[Pez]

If you are going to be the main driver of the car, that's what you must insure it as. If you insure someone else as main driver, but they dont touch it, the insurance company will rape your arse in the event of an accident.

[mike_w]

ye mate same for me when i do it it saves you alot of money and you get no claims aswel so is all good but theres always the risk of crashin but id risk it but i dont drive like a tw@ so il be ok n i guess you dont either

[Raymondo]

ye mate same for me when i do it it saves you alot of money and you get no claims aswel so is all good but theres always the risk of crashin but id risk it but i dont drive like a tw@ so il be ok n i guess you dont either

What about when some other person drives like a gammon slipper and crashes into you?

[mike_w]

you are right and i guess you put a swear word in where it says gammon slipper lol, but if your gonna take the rish then you gotta think bout that happenin ive got time anyway till i sort me insurance out

[paniK]

£325 on an Si named?? soon to be 17 and edging towards same thing as you man. that sounds pretty damn good. ive got people at my 6th form paying £800 on crappy polo 1.0 and somebody paying £900 on a corsa 1.0 NAMED!!! how comes you lot are getting them so cheap??

[Mattfiesta]

i get quoted £2800 on my own policy on a 1.1 p reg mk3 fiesta. Rip off. Cheapest i can get is £1800 on direct line fulyl comp.

[Big Walker]

at £2800

£2397 Fully Comp in own name at 17 for a 1.6 Si

[si 16valver]

ive heard off a mate who looked into that it is becoming illegal to go on someone elses insurance and say you are a second driver when you are actually the main and just doing it to save money like most people do especially younger people does anyone know about this or what

[Oranoco]

ive heard off a mate who looked into that it is becoming illegal to go on someone elses insurance and say you are a second driver when you are actually the main and just doing it to save money like most people do especially younger people does anyone know about this or what

Not a case of becoming illegal but it IS allready against the rules of insurance which so many people fail to understand. If you are declared as being a second driver and you are found to be the main user your insurers would be quite within their rights to declare the policy null and void.

[mk3badboy]

O_O how much? mines 900 named and 2k on my own for a 1.3.. how gay lol and im 17 grrr i want an rs

[Jonezy]

break the insurance companys arm off and take the policy. jesus thats cheap. you do no ur dad can only use his no claims on one policy right.

[~Vix~]

This is what really really gets on my nerves

If it's your car, insure it in YOUR name, not someone else's. You're the main driver, so insure it properly. Everyone else has to, so should you

[si 16valver]

vix what are you on about its your car you insure it people can do what they want why would you post how that annoys you

[filtra]

I've never understood how insurance companies can 'find out' if your not the main driver. Either way this main driver stuff is bs, just a way for them to rake in more cash.

They could just be honest and say each driver after you pay x amount has to pay x doesnt matter who it is.

Anyway im surprised you found someone to insure you on a 1.6 being 17. I'm 20 and it's just become reasonablish to afford frst insurance.

[Big Walker]

Bear in mind 1.6 is group 8 at the most and the FRST is 15 or 16 or something like that

They find out if your not the main driver if for example you are driving iot to school while either of your parents are the main drivers

ie Main driver drives the car to work or schcool etc Not the named drivers

[filtra]

Bear in mind 1.6 is group 8 at the most and the FRST is 15 or 16 or something like that

They find out if your not the main driver if for example you are driving iot to school while either of your parents are the main drivers

ie Main driver drives the car to work or schcool etc Not the named drivers

It's meaning less, some one is still paying a premium, why should they care who.

[diablosvy]

Bear in mind 1.6 is group 8 at the most and the FRST is 15 or 16 or something like that

They find out if your not the main driver if for example you are driving iot to school while either of your parents are the main drivers

ie Main driver drives the car to work or schcool etc Not the named drivers

How are they going to find that out? Your not going to tell them so they have no way of finding it out for themselves

[Peter]

I've never understood how insurance companies can 'find out' if your not the main driver.

A friend's job used to be finding this out for a large insurer. The insurers know that loads of new drivers get cheaper insurance by having themselves as second drivers on their own car.

If you make a claim that the insurer decides they don't want to pay (over 5p!) then my friend turns up at your house and asks you a book full of questions - how many miles each driver did in the car, who uses it when, where they go etc.

They keep going until they have enough evidence to turn down your claim. My friend once tripped up an elderly lady by asking her if 'her' Chevette was an automatic or a manual. She got it wrong, despite supposedly doing 10,000 miles a year in it.

[filtra]

I've never understood how insurance companies can 'find out' if your not the main driver.

A friend's job used to be finding this out for a large insurer. The insurers know that loads of new drivers get cheaper insurance by having themselves as second drivers on their own car.

If you make a claim that the insurer decides they don't want to pay (over 5p!) then my friend turns up at your house and asks you a book full of questions - how many miles each driver did in the car, who uses it when, where they go etc.

They keep going until they have enough evidence to turn down your claim. My friend once tripped up an elderly lady by asking her if 'her' Chevette was an automatic or a manual. She got it wrong, despite supposedly doing 10,000 miles a year in it.

I see. However I still don't understand why insurance companies care. It's just a way for them to rob more money through clauses.

If driver 1 pays £1000, driver 2 pays £300 they still get the total sum regardless if driver 2 does more miles.

I hope you see what im trying to get at.

[Big Walker]

I do see what your getting at it's just they see younger drivers as more of a risk so if they are going to be driving more then the cost will be more as the risk is greater

Bear in mind 1.6 is group 8 at the most and the FRST is 15 or 16 or something like that

They find out if your not the main driver if for example you are driving iot to school while either of your parents are the main drivers

ie Main driver drives the car to work or schcool etc Not the named drivers

How are they going to find that out? Your not going to tell them so they have no way of finding it out for themselves

Eg. If you crash into someone at your school / college driving their brand new 206 their parents bought them, they will more than likely claim or want to. Now how would you argue that your Mum, Dad or Gran or whoever it is on the policy was driving the car and that it wasn't you ? They can suggest that you do it every day as you have no ability to prove otherwise. This is then interputed as YOU being the main driver and not who was named as being the named driver. This in turn means your policy is VOID as the information that you have given is not true and this is FRAUD

So in answer they don't have to ask you diddly s**t to find out

[Raymondo]

Remember that insurance companies will try as hard as they can to avoid paying out, and even if that means voiding your poicy, so be it.

[filtra]

Ignore all my posts in this thread lol. I think i've been smoking crack again. Wasn't thinking straight. It's pretty obviously lol. Driver 1 i.e. your parent will be low premium and your quote will be lower than if your were the primary driver.

Sorry... major logic 'conquering device'-up in my head!

On the other hand insuring my dad on my frst as a second driver took the quote down by £100

[filtra]

Remember that insurance companies will try as hard as they can to avoid paying out, and even if that means voiding your poicy, so be it.

Sums it up really!

[Big Walker]

Mine came down £500 because i when i turned 18

bunch of theiving bastids

[diablosvy]

[quote="UncleFesters69"][Eg. If you crash into someone at your school / college driving their brand new 206 their parents bought them, they will more than likely claim or want to. Now how would you argue that your Mum, Dad or Gran or whoever it is on the policy was driving the car and that it wasn't you ? They can suggest that you do it every day as you have no ability to prove otherwise. This is then interputed as YOU being the main driver and not who was named as being the named driver. This in turn means your policy is VOID as the information that you have given is not true and this is FRAUD[quote="UncleFesters69"]

But as you are the second driver you can just claim you were driving it to school 'which you do once a week' or becuase you had to make an exception etc, just becuase your a second driver doesnt mean you cant drive it, as long as you agree an allowable amount of miles I dont see the problem

Also when my sister got insured on my fez, they said nothing about her doing limited miles, they just said as long as you dont collectively do more miles than agreed then its okay, but then again theres no way of finding out how many miles someone drives a year anyway, since MOT dates and insurance dates differ

[RoryT]

Problem i found with doing the same thing was that i was risking losing my license.

Blagging insurance company = Void Insurance = 6 Pts and Fine = Lost license (If you passed your test less than2 years ago)

Not worth it.

Also, my mum had to be the registered keeper for me to go under her policy as a named driver.