Off Topic Young persons car insurance

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Classic car insurance is much cheaper, but you have to over 21 to get insured on a specialist classic car policy, so that's not going to be much use for a few years yet. I bought my lad a classic and it took us weeks to find anyone who'd insure him at all.

Cheapest way is definitely as a named driver on a parents policy, but it's still a fortune.
 
originallambrettaman said:
Classic car insurance is much cheaper, but you have to over 21 to get insured on a specialist classic car policy, so that's not going to be much use for a few years yet. I bought my lad a classic and it took us weeks to find anyone who'd insure him at all.

Cheapest way is definitely as a named driver on a parents policy, but it's still a fortune.
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And still a massive risk, their error could cost you **** loads.
 
Mr. Hat said:
No. Nor do you get any for driving in a provisional. You only get NCB for be by a full driver on your own policy.
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That's not true, certain policies and companies offer no claims to all named drivers. However they are not usually the cheaper companies so in this case it would be just as easy to get him his own policy.
 
Hull City AFC (DMD) said:
Ah, so much for plan C then.

Cheers all. <ok>
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Some insurers will, however, allow you to start building up NCB on a moped, so long as you take out the full policy with them (they won't carry over). A friend of mine did that, built up 2 years on a bike and his first year on a car was by far cheaper.

There's also the pass plus which most insurers dn't give a **** about, but some will make a reduction of you ring them up and tell them you've done it.

Best thing is to just ring about, generally best prices are found online but you can get some deals by ringing up and having a word to an actual person.

There's also the smaller insurance brokers, a mates dad is one who would swear blind that he could beat the price and service of a bigger company such as Churchill everyone me but whenever I asked him for a price it was always dearer.

Other things that can bring down the cost of insurance are safety modifications like roll cages, racing seats with three point harnesses etc.
 
originallambrettaman said:
Classic car insurance is much cheaper, but you have to over 21 to get insured on a specialist classic car policy, so that's not going to be much use for a few years yet. I bought my lad a classic and it took us weeks to find anyone who'd insure him at all.

Cheapest way is definitely as a named driver on a parents policy, but it's still a fortune.
Click to expand...
Mr. Hat said:
And still a massive risk, their error could cost you **** loads.
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Also a massive risk of them not insuring you in the event of a claim since it's fronting. Unless they really are just an additional driver.
 
Also ask him to consider a sex change as female drivers are cheaper to insure, and don't just dismiss the suggestion, you never know until you put the proposal to him <diva> <laugh>
 
PLT said:
Do those boxes penalise you for driving after a certain time at night?
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My lads insurance was for 6000 miles per year with a box fitted. He was supposed to get bonus miles for keeping within speed limits, driving "properly" and not driving after 11pm. After nine months of no bonus we asked them to send us details as to why, turns out they were classifying roads such as Great Gutter Lane as 40 limit and not national speed limit, we ended up getting a refund.
 
Mr. Hat said:
Some insurers will, however, allow you to start building up NCB on a moped, so long as you take out the full policy with them (they won't carry over). A friend of mine did that, built up 2 years on a bike and his first year on a car was by far cheaper.

There's also the pass plus which most insurers dn't give a **** about, but some will make a reduction of you ring them up and tell them you've done it.

Best thing is to just ring about, generally best prices are found online but you can get some deals by ringing up and having a word to an actual person.

There's also the smaller insurance brokers, a mates dad is one who would swear blind that he could beat the price and service of a bigger company such as Churchill everyone me but whenever I asked him for a price it was always dearer.

Other things that can bring down the cost of insurance are safety modifications like roll cages, racing seats with three point harnesses etc.
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Regarding pass plus, there's also the IAM which is a much more thorough advanced driving scheme. It costs relatively little to do, can be done in a short time and does make them a much safer driver.

Like pass plus, most insurers ignore it but the IAM have their own members-only insurer who can do some great deals. I'm with them and pay a lot less than other 22 year olds, plus I get stuff like driving other cars, protected no claims etc included in the price. I know Dutch is keen on his road safety, so if they haven't already I'd definitely recommend doing that.
 
Theres so many wrong statements on this thread, let me address them:

Women no longer get cheaper car insurance, new ruling was passed last year to abolish this.

Classic car insurance is not designed for main car use, hence the question 'do you have use of another vehicle', also classic car insurance has restricted mileage.

Named drivers can get introductory discount with quite a lot of insurers.

The best way is to get two quotes per insurer, one for driving on a provisional and then one driving on a full licence, see which one works out the least increase that way.
 
Des Head said:
I've just remembered that you don't build up any No Claims on a classic policy. In fact, I think you can lose any you had.
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You can build up a sort of no claims on a classic car insurance, upon request most will provide proof of claims free driving.
 
Mr. Hat said:
Some insurers will, however, allow you to start building up NCB on a moped, so long as you take out the full policy with them (they won't carry over). A friend of mine did that, built up 2 years on a bike and his first year on a car was by far cheaper.

There's also the pass plus which most insurers dn't give a **** about, but some will make a reduction of you ring them up and tell them you've done it.

Best thing is to just ring about, generally best prices are found online but you can get some deals by ringing up and having a word to an actual person.

There's also the smaller insurance brokers, a mates dad is one who would swear blind that he could beat the price and service of a bigger company such as Churchill everyone me but whenever I asked him for a price it was always dearer.

Other things that can bring down the cost of insurance are safety modifications like roll cages, racing seats with three point harnesses etc.
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Wrong. These things will more than likely increase the premium as you will have to list them as modifications and there are increases for modifications, also the general insurers don't tend to like lots of modifications which would then force you to use a specialist insurer who's premiums will generally be higher.
 
Why do they ask your marital status, particularly, is being single a greater or lesser risk than being divorced?

Also, as it makes no difference to the purpose of the request, why do they ask for gender?
 
Hull City AFC (DMD) said:
Why do they ask your marital status, particularly, is being single a greater or lesser risk than being divorced?

Also, as it makes no difference to the purpose of the request, why do they ask for gender?
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The actuaries gather use all claims information from every claim recorded, obviously trends appear in claims and yes single men tend to have more claims than married men, a single males lifestyle will tend to be different to that of a married mans, more socialising etc which in turn increases the risk. People tend to drive more carefully when they have children in the car as oppose to when they are by themselves, all things like these are used to rate your insurance.
 
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