Car insurance question

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Poverty

Poverty

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Say im insured fully comprehensive on a car, is it ok for me to drive other cars, or would I have to be put on that policy?

I was just wondering as Im thinking that after I get buy my next car I might get a weekend toy/track racer in the shape of a S14 200sx as they are dirt cheap in the UK for what your getting. Would it be legal for me to drive that car under my other policy?

Was just wondering as a friend of mine has supposedly but himself a fiat uno, insured himself fully comp on it, but then just drives his mums golf all day.
 
So, I can insure my Lada and be covered for my Enzo?
 
The car that your friend is driving is still insured. For example, I have a '98 Jetta, but I drive my dad's '04 Escape as well sometimes. Whenever I do so though I get the insurance paper from him and put it in my wallet with my license and all that. The car is still insured just like mine is. I don't think you can drive your Silvia S14 without any insurance whatsoever. If it's someone else's car and it's insured and you get their insurance paper when you drive it, then yea.
 
Your liability insurance covers you no matter what car you're driving (your car, mom's car, rental car, stolen car, whatever). Your comprehensive/collision insurance does not. You have to have each car insured seperately. Like Omnis says, you can't insure your Lada, and expect that policy to cover your Enzo should you wreck it.
 
Poverty as you live in the UK.

CHECK THE WORDING OF THE POLICY

It varies massively from company to company in the UK, and quite a few of the larger (and cheaper) insurance companies have now removed the cover for other cars from policies, particularly policies for younger drivers.

Even if you do have cover of this nature you need to keep two things in mind, the first is that it is designed to cover you on a temporary basis and normally only third-party cover is present. This would mean that if you used it as described in your original post and the insurance company found out they may (under the policy terms) be able to void the claim, you would also have problems getting a road fund licence (tax disc) under this method as you would not have a Certificate of Insurance for the specific car.

The real kicker for your possible planed needs is that almost no company in the UK includes track day insurance cover as standard, in fact most specifically state that it is not covered. Additional cover can be obtained but is normally very expensive, I would suggest looking at some of the more specialist insurers in the back of mags such as Evo.

A big word of warning on this one, I know an insurance assessor and insurance companies in the UK are very vigilant in regard to these matters and have little reluctance to refuse claims and future cover if they suspect fraud of any nature has been carried out.

Regards

Scaff
 
Poverty
Say im insured fully comprehensive on a car, is it ok for me to drive other cars, or would I have to be put on that policy?
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If the other car belongs to another person, you would be covered Third Party Only, meaning anything you crash into is covered, but you are not. Unless the owner specifically places you as a named driver on their insurance for that car, you will not be covered Fully Comprehensive.

Furthermore, in general the "any other car" clause only applies if you are over 25.

Poverty
I was just wondering as Im thinking that after I get buy my next car I might get a weekend toy/track racer in the shape of a S14 200sx as they are dirt cheap in the UK for what your getting. Would it be legal for me to drive that car under my other policy?
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No - as that car is not insured for road use. You must take out at least Third Party Only cover for every individual car that you own. You cannot have a fleet of cars and only insure your 2CV (Group 1 - bargain, much cheapness!), then drive them all and, even if you could, you'd only be covered Third Party Only on those cars unless you were, as mentioned above, specifically named by the owner of the car (you) on the Fully Comprehensive policy for that car.

Every car must have its own insurance policy if it is to be driven on the road, whether it's once or every day.

Poverty
Was just wondering as a friend of mine has supposedly but himself a fiat uno, insured himself fully comp on it, but then just drives his mums golf all day.
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So long as his mother has insurance for the Golf, that's fine - he's covered Third Party Only. If he's down as a named driver, that's even more fine - he's covered Fully Comprehensive. If he's down as a named driver but is actually the main driver, that' not fine - they are committing insurance fraud by deceiving the insurers as to who the primary user is, so they are effectively not covered by any policy at all.
 
ok thanks guys.

Ive been thinking, what if I buy a 2cv, insure that to build on my ncb even with no intetion of driving it is that ok?

Also how old has a car got to be to qualify for classic car insurance as I think the s14 is, or would be soon eligible for it?
 
Poverty
Ive been thinking, what if I buy a 2cv, insure that to build on my ncb even with no intetion of driving it is that ok?
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Yes. You are under no compulsion to drive the car. Do everything you can to lower the insurance cost - restrict it to 1,000 miles a year, garage it... errr... and some other things - and you'll offset your insurance cost with what you save through NCD easily.

Poverty
Also how old has a car got to be to qualify for classic car insurance as I think the s14 is, or would be soon eligible for it?
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Insurer's discretion. Usually 13 years, 16 years, 1982 or any culturally significant car (205 GTi, for example).
 
One more quick question. I would rather not have a 2cv rust bucket sitting outside my house, so what if I go to a scrap yard, buy the car and just leave it there or let them crush it would that still work?
 
Poverty
One more quick question. I would rather not have a 2cv rust bucket sitting outside my house, so what if I go to a scrap yard, buy the car and just leave it there or let them crush it would that still work?
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"Q7 - Where is the car kept overnight?"

Should give you enough of an answer.
 
what if I buy a 2cv keep the license plate and just get the car crushed. Is there any way for me to insure the car without actually having to have it infront of my house?

Wouldnt Q7 only apply if I were to claim?
 
If you wanted to do that, I think you'd have to get a SORN notice, which tells the DVLA the car is off the road. I doubt you'd be able to insure just the numberplate, again this would probably come down to some sort of insurance fraud.
 
I think you can only have NCB building on 1 car. So if you're insured on the 2CV, you'd build a NCB, but in the meantime insuring your BMW or Audi (what did you get in the end? I lost the thread) will be murder.

Admiral have recently started doing something called Multicar, where you can insure 2 or more private cars under one name and somehow you're better off than having 2 seperate policies. However, I haven't looked into it properly, so don't take this as a recommendation.
 
I think its certain that I will get the A3, and most likely insured under my mums name.

What if I get a 2cv, not tax it and then just wait for the council to destroy it and not tell the insurance company?

What they dont know wont hurt em?
 
What you don't tell em they'll probably find out eventually anyway. It's not worth the hassle you'll get later on.
 
Poverty
I think its certain that I will get the A3, and most likely insured under my mums name.

What if I get a 2cv, not tax it and then just wait for the council to destroy it and not tell the insurance company?

What they dont know wont hurt em?
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And the fine you would get for not taxing it would be more than you would save in insurance!!!

Not to mention you are once again flirting close to insurance fraud in a number of these suggestions, something that insurance companies have no qualms about taking action on, and you certainly will no like you insurance bill after that (if you can get insurance on anything again afterwards and in your future being able to insure you own life and you house do become rather important).

Keep in mind that if you are to be the main driver of the A3 and it insured with your mum as teh main driver its again insurance fraud and if you honestly don't believe that insurance companies do not look into claims to try and find this kind of thing out you are being a bit naive.


I have to ask why you don't simply do what the rest of us do, shop around for a policy that offers a good balance of cover for the cost (and thats not always the cheapest), don't drive like a moron and build up your NCB.

Its one of the reason so many young drivers go for older cars, that way if you do have an accident that does not involve anyone else you can afford to repair or replace the car.

Trying to find ways around the (very tightly controlled) UK insurance system is really a bit of dead end and your efforts would be better spent in researching the car and policy combo that best suits you.

Regards

Scaff
 
Poverty
I think its certain that I will get the A3, and most likely insured under my mums name.
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If she's not the main driver, this most certainly is insurance fraud.
 
Fine I'll just shell out for the fully comp inusrance under my name. Will cost me about a extra thousand pounds. :crazy:

I have a feeling that if I get a 200sx in a year or so I'll end up selling the A3 or whatever car I buy next. Insurance on them are pretty cheap for the power that they put out, just a couple hundred more than a 320ci.
 
You're going to be spending halfway to five figures on insurance for an A3 anyway. Do you really need fully comp? If you crash with fully comp, the money you'll spend on the mandatory excess will be a lot more - at least twice, probably nearer 3 times more - than you would with TPFT (Third Party Fire and Theft). That's before you even start on voluntary excess. I've got TPFT on my Mini, and that's £450 a year. That's half the amount I was paying just after I past my driving test just over 2 years ago.

I would suggest getting a cheap runaround for a year or two, but we covered that in your other thread. However, if you bought a £1000 Audi 80, (plucking an example off the top of my head), ran it for 2 years and then looked at buying a newer A3, I reckon you'd be at least £5000 better off by Christmas 2008, purely on the amount you'd save on insurance and buying the car.
 
Just for amusing reference, I've just this minute renewed my car insurance - group 14 (from 20, 20 being highest), £278 for the year, fully comprehensive.

Aiiii thank you.
 
I've got a quote as a 21 year old on a circa K reg E36 320i and bearing in mind it'll be my first car (when I'm 22) and have no NCB from being a named driver, I got a lowest quote of £1297 fully comp, which I think is reasonable for the car, which is group 13.

And moaning that you'll have to spend another thousand. Well tough, everyone is required to get it, why should you be the exception?
 
Because its the idiots that are driving about with no insurance that are pushing up our premiums. Fully comp the A3 will cost me 3.5 grand. 3rd party I think it was actually more expensive for some reason. Wouldnt insure it third party anyway. For my first year the insurance premium will hurt me, but once I have 1yrs NCB it shouldnt be too bad.
 
Poverty
Because its the idiots that are driving about with no insurance that are pushing up our premiums.
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Just to check - are they the idiots dreaming up a number of ways to avoid having to pay it, or to otherwise commit insurance fraud?

But you're right - about £150 of every premium goes into a central fund for victims of uninsured drivers.

Meaning my car insurance should only be costing me about £128. Which would rock, hard!.

Poverty
For my first year the insurance premium will hurt me, but once I have 1yrs NCB it shouldnt be too bad.
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Dream on.

Insurance doesn't really go down markedly until you've got 3 years' NCD - and more noticeably at 21 and 25. You're still in the highest-risk group (not to be confused with the most accident-prone group) until 21 and in the highest risk part of the country, and a years' NCD is only about 10-15% depending on the insurer. 15% off £3,500 is still nearly £3,000. Think about it - in three years you'll have paid as much in insurance as a nearly-new A3 costs to buy... And for what?

If you do something really insanely dumb, you'll get a 10 month bonus accelerator policy which no company outside the one offering it will recognise, tying you to that company for another year.

Oh, and we've yet to mention "the fact". In your first year of driving, you're about 80-85% likely to make a claim. In the first three years of driving, you're about 99.9% likely to make a claim - and a claim wipes two years off your NCD (not to mention the fact that you won't earn a year for the year in which you make your claim).

Yes, we get that you love Audis thiiiiiis much and really want an A3 as your first car - but is it worth it? Listen to the voices of experience - get something cheap to run and cheap to fix (by yourself, for preference), don't arse about modifying it and, above all, get something disposable because, at some point in the next year or three, you're going to stack it into a tree/wall/bus shelter/parked car. It's going to happen - sucks, but it's true.

Save your dreams - and your horrific amounts of vehicle insurance premiums - for the next car. You'll still end up paying about a grand a year for most things, but that saves you 6 grand on the spot to put towards the next car.
 
the A3 will be my second car and second year of driving. I had a corsa which I have given to my starving uni student sister and I also have been driving my company van.

You make a good point about the insurance, but a friend of mine whose 19 has 2yrs NCB and only pays 4.5 grand for his M3? It must go down more than that, cause its probably over double that amount if he was 17 and had 0 yrs NCB.

Corsa insurance for me fully comp on the 1.4 was £2200, so I just insured that car under my mums name and it only cost me half that.
 
No, Famine is correct you'll be paying a similar ammount for insurance each year before your 21, after your 21 you'll save a few hundered on a nice car. Only after your 25 does your insurance start to move into what I would consider, sensible levels. I'm 24 I have a VW Bora admittedly it's a sporty model but it's no Subaru Impreza, the insurance for that costs me over £1600 a year and it is insured for under 5000 miles a year. If you think you'll get a good deal on insuring an Audi A3 you are only kidding yourself.
 
Poverty
the A3 will be my second car and second year of driving. I had a corsa which I have given to my starving uni student sister and I also have been driving my company van.
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No wonder you've got itchings for something faster.

The Corsa has the worst gearbox of any vehicle on Earth. Even a car whose gearbox has seized has a better gearbox than a Corsa. I can think of terminal diseases I'd rather take my chances with.

Poverty
You make a good point about the insurance, but a friend of mine whose 19 has 2yrs NCB and only pays 4.5 grand for his M3? It must go down more than that, cause its probably over double that amount if he was 17 and had 0 yrs NCB.
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"Only"?

When he gets his third year of NCD he'll see a more significant drop - and when he hits 21 an even more significant. How much is the M3 itself worth?

Poverty
Corsa insurance for me fully comp on the 1.4 was £2200, so I just insured that car under my mums name and it only cost me half that.
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That's fraud. Which makes you one of:

Poverty
the idiots that are driving about with no insurance that are pushing up our premiums
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A fraudulent insurance policy is the same as NO insurance policy. In the event of an incident, the insurers will not pay out on a fraudlent policy, and it'll be left to The Motor Insurers' Bureau to compensate any victims of that incident - which wouldn't include you, as the uninsured driver...


Get yourself a MkIII Golf. You'll have a potted A3 experience without the pain of the insurance.
 
Poverty
You make a good point about the insurance, but a friend of mine whose 19 has 2yrs NCB and only pays 4.5 grand for his M3? It must go down more than that, cause its probably over double that amount if he was 17 and had 0 yrs NCB.

Corsa insurance for me fully comp on the 1.4 was £2200, so I just insured that car under my mums name and it only cost me half that.
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Only £4500? :scared: Who is he, Wayne Rooney? That's nearly a third of my annual income.

You don't need fully comp. It's best to start off with TPFT, which'll save you quite a bit and will mean you won't have to comit insurance fraud by, say, insuring the car in your mum's name without her actually driving it.

Incidentally, my first year's premium on a 998cc Mini was £930. The following year was £680. Now, on a 1275cc Mini, it's £450 with 2 years NCB. That said, I drive a shopping trolley, whereas Poverty's after a German repmobile.
 

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