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insurance! : Off Topic | Fiesta Forums

insurance!

Serious non-car discussion - computers, films etc. Pointless posts will be removed.

insurance!

Postby Michael! on Sun May 22, 2011 12:01 am

if i get insurance in my grandads name with me as a named driver on my car, is it legal ?
need help guys, not arsed about ncb i just want to fudgekin DRIVE MY CAR WHICH I'VE PAID FOR AND AM STILL PAYING FOR

sick of this fcking s**t, its going to far now, got a quote of £4,400... rather have a chunky black 'conquering device' up my arse


fuming... as you can tell


cheers guys!
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Re: insurance!

Postby bas saph on Sun May 22, 2011 8:57 am

I know the feeling but, thats not legal :wink:
I just looked at insuring a car, £900 for me on a classic car. So re-did it with my dads details (his insurance £360 for a pug 307sw 168bhp derv worth 6k) The £500 retro car with him owner driver and me named £2000. :devil:
This is why we have so many unisured drivers. Ive had 2 none fault accidents in 5 years so who do they wack me. looks like Im going to have do down grade from grp 10 car to groupe 6 car in sept :cry:
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Re: insurance!

Postby jayrs on Tue May 24, 2011 12:00 am

if its down as your the main driver, you can do it and it is legal.
however, insurance compnaies are not silly and there know whats going on and whack the price right up anyway
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Re: insurance!

Postby Michael! on Tue May 24, 2011 2:02 pm

jayrs :if its down as your the main driver, you can do it and it is legal.
however, insurance compnaies are not silly and there know whats going on and whack the price right up anyway



I did that and it still turns out cheaper


Cheers Jay!!!
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Re: insurance!

Postby jayrs on Tue May 24, 2011 6:16 pm

really...... thats strange.

there are a few details you should be aware of though that can make the insurance void if you dont follow them, such as who the car is registered to, where its kept over night, i.e if you say at your grandads and your always parking it at home then your not following the terms of the insurance.

you wanna ask if theres any provisions on it too limiting young drivers etc

basicly ask as many questions to the insurance compnay as you can think of as you dont wanna be caught out on anything, but you wanna deffo be down as main driver
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Re: insurance!

Postby philip_d on Wed May 25, 2011 3:02 pm

Likes Jay says I would deff read or look into the small print on the policy :wink: insurance company's these days find anyway not to pay out when you need them to, thats the big problem with the NurburgRing at moment. A lot of people going over there thinking there insured, but as per the small print there not and thats a risk I personally would not take!

My enjoyment of being old (34 y/o), £270 a year to insure a modded Focus RS :Q
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Re: insurance!

Postby 3lward on Wed May 25, 2011 3:31 pm

Sign the car into your grandfathers name, so hes the registered keeper and owner. Then insure the car in his name with you as a named driver.

The mistake made by many is that they have there relative first name driver and not the registered keeper/owner therefore sticks out like a sore thumb.

insurance is nuts my mk3 1.1 i was paying £75 a month and the Arosa sport which has double the power is £85 a month :rolleyes:
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Re: insurance!

Postby bas saph on Wed May 25, 2011 5:30 pm

philip_d :Likes Jay says I would deff read or look into the small print on the policy :wink: insurance company's these days find anyway not to pay out when you need them to, thats the big problem with the NurburgRing at moment. A lot of people going over there thinking there insured, but as per the small print there not and thats a risk I personally would not take!

My enjoyment of being old (34 y/o), £270 a year to insure a modded Focus RS :Q

I wanna live where you live and what do you do for a liveing ? I cant get insurance on a car newer than 1991 for less than £400 and that talking group 1 cars worth £1000 :x ps im 35 with own home child and 10 years ncd no points 2 non fault accidents car is in sucure compond with cat 3 imob and factory alarm imob
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Re: insurance!

Postby philip_d on Thu May 26, 2011 12:23 pm

bas saph :
philip_d :Likes Jay says I would deff read or look into the small print on the policy :wink: insurance company's these days find anyway not to pay out when you need them to, thats the big problem with the NurburgRing at moment. A lot of people going over there thinking there insured, but as per the small print there not and thats a risk I personally would not take!

My enjoyment of being old (34 y/o), £270 a year to insure a modded Focus RS :Q

I wanna live where you live and what do you do for a liveing ? I cant get insurance on a car newer than 1991 for less than £400 and that talking group 1 cars worth £1000 :x ps im 35 with own home child and 10 years ncd no points 2 non fault accidents car is in sucure compond with cat 3 imob and factory alarm imob


I work for Hewlett Parkard in Hook, Just as boring Media Controller being paid crap money :x The Focus is limited to 6k a year, must be garaged every night and that with a RS owners club insurance company. I've got a Fiesta Zetec-S I use for everyday, which is declared for 12k a year and park on drive way. Its currently with direct line and only has 1 years NCB at the moment, thats costing more than the RS at £350 a year which is up for renewalle in August :-? I'm sure Direct Line double it , like they did with my RS :x I shall be phoneing around all the club insurance companys, I don't do this online crap!
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Re: insurance!

Postby jonyb4 on Thu May 26, 2011 12:33 pm

£270 on a modded FRS.... you baxtered llama :lol:
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Re: insurance!

Postby philip_d on Thu May 26, 2011 10:54 pm

jonyb4 :£270 on a modded FRS.... you baxtered llama :lol:


I get free recovery and track day cover for that price too :Q
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Re: insurance!

Postby Fraggle on Thu May 26, 2011 11:13 pm

:bonkers: Mk2 1.4s...Im 28 4yrs ncb,clean history,no points,licence for 10yrs with kids/house/Motor in garage...£22.50 PCM Fully C..inc breakdown for uk/europe all the trimmings including collect me an all passengers from anywhere in uk an take WHEREVER i like.. :)

Feel for you Fella.. :( :(
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Re: insurance!

Postby Michael! on Thu May 26, 2011 11:23 pm

Fraggle ::bonkers: Mk2 1.4s...Im 28 4yrs ncb,clean history,no points,licence for 10yrs with kids/house/Motor in garage...£22.50 PCM Fully C..inc breakdown for uk/europe all the trimmings including collect me an all passengers from anywhere in uk an take WHEREVER i like.. :)

Feel for you Fella.. :( :(


You baxtered :(
God I need some money haha
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Re: insurance!

Postby jonyb4 on Fri May 27, 2011 1:35 am

Fraggle ::bonkers: Mk2 1.4s...Im 28 4yrs ncb,clean history,no points,licence for 10yrs with kids/house/Motor in garage...£22.50 PCM Fully C..inc breakdown for uk/europe all the trimmings including collect me an all passengers from anywhere in uk an take WHEREVER i like.. :)

Feel for you Fella.. :( :(


ha thats one long fudgekin description, it was one sentance too!

your fingers are on roids! :lol:


im still on £99 a month lol
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Re: insurance!

Postby 3lward on Fri May 27, 2011 5:34 pm

jonyb4 :
Fraggle ::bonkers: Mk2 1.4s...Im 28 4yrs ncb,clean history,no points,licence for 10yrs with kids/house/Motor in garage...£22.50 PCM Fully C..inc breakdown for uk/europe all the trimmings including collect me an all passengers from anywhere in uk an take WHEREVER i like.. :)

Feel for you Fella.. :( :(


ha thats one long fudgekin description, it was one sentance too!

your fingers are on roids! :lol:


im still on £99 a month lol


With a declared 1.8? thought you were only like 19?
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Re: insurance!

Postby Michael! on Fri May 27, 2011 5:44 pm

Jons nearly 22 ?
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Re: insurance!

Postby jonyb4 on Fri May 27, 2011 11:19 pm

Michael! :Jons nearly 22 ?


ignore him he's as ignorant as the day is long michael

woudln't say nearly 22 though :P not too long turned 21 (march)
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Re: insurance!

Postby Michael! on Fri May 27, 2011 11:43 pm

Haha fair enough man :)


I say I'm nearly 20
Not until October like...
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Re: insurance!

Postby jonyb4 on Sat May 28, 2011 3:00 am

:bonkers:
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Re: insurance!

Postby 3lward on Sat May 28, 2011 4:17 pm

it was a serious question i wasnt being ignorant just didnt take notice to your DOB.
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Re: insurance!

Postby jonyb4 on Sat May 28, 2011 6:50 pm

i knew you were younger than me
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Re: insurance!

Postby 3lward on Sun May 29, 2011 12:51 am

i am indeed 20 in august, i just never clicked on your profile and looked at your DOB
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Re: insurance!

Postby jonyb4 on Sun May 29, 2011 12:52 am

3lward :i am indeed 20 in august, i just never clicked on your profile and looked at your DOB


hehe i did before i typed that incase i shoot my own foot :lol:
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