need helpp!

[Tommydewe]

i just passed my test and am gettign a 1.2 corsa and its been modified slighley with alloys and bonnet vents and tinted lights but i am getting stupid quotes!
could any one recomend me a good company?

[Jack]

Admiral/elephant with parents as second drivers?

How old are you, what postcode area, and what quotes have you been getting so far?

[stevie-p]

churchill mate all mine cost more with parents as 1st or second drivers but depends on the company

qoutes are usually cheaper if you give the company a ring too

[Pistol Pete]

New driver+modified car=insurers will hate you lol Keep ringing round. Or de-mod your car?

[Tommydewe]

wooo im happy now lol. i have been looking around all day and got a quote from churchill for 715 pound anually and thats on my mums name or its 1715 on my own!

[Pistol Pete]

So for £715 you will be a named driver on your mums policy. Or £1715 on your own...farking hell lol

[chimp007_uk]

I don't know why insurers let youngs drivers have insurance policies as a named driver on a parent when it's obvious the car belongs tot he named younger driver...

I always wonder how they'd prove who does the most miles in it etc.

[Pistol Pete]

Fronting FTL IMO.

[skyinsurance]

wooo im happy now lol. i have been looking around all day and got a quote from churchill for 715 pound anually and thats on my mums name or its 1715 on my own!

You need to google the term 'insurance fronting'.

[skyinsurance]

http://newsimg.bbc.co.uk/media/images/44187000/jpg/_44187566_peter_hinchcliffe203b.jpg Peter Hinchliffe warns of the consequences of "fronting"

Car insurance firms are rejecting a thousand claims a year as some parents and children lie to save money, says the Financial Ombudsman Service.
A fraud called "fronting" occurs when a young person has a car in their own name, but the insurer is falsely told that a parent is the main driver.
Premiums are cut by hundreds of pounds but claims are rejected as the driver is told they are not properly insured. The young drivers can also find themselves in court

[bmw156]

Peter Hinchliffe warns of the consequences of "fronting"

Car insurance firms are rejecting a thousand claims a year as some parents and children lie to save money, says the Financial Ombudsman Service.
A fraud called "fronting" occurs when a young person has a car in their own name, but the insurer is falsely told that a parent is the main driver.
Premiums are cut by hundreds of pounds but claims are rejected as the driver is told they are not properly insured. The young drivers can also find themselves in court

ok it says if the car is in the childs name, is it ok to do this if the car is in the parents name?

as thats what i did for a year.

[skyinsurance]

It all depends who is the main user of the vehicle. Whoever is the main user, the policy needs to be in thier name, and the vehcile should be registered to them as well.

[bmw156]

It all depends who is the main user of the vehicle. Whoever is the main user, the policy needs to be in thier name, and the vehcile should be registered to them as well.

can you prove at all who is the main user?

[skyinsurance]

can you prove at all who is the main user?

This would be down to an insurance investigator to sort out.

[Jack]

I always wonder how they'd prove who does the most miles in it etc.
Its a case of proving you don't drive it the most. Which is tough, especially if mummy has her own car.