joke or what?

[christurboo]

ive tryed and tryed and i carnt get insured for less than 5k on a 1.2 nova, whats up with that?

im 19, 0ncb, driving since jan 11 and im in a good postcode i think lol.

and info and anythink that can help will be repped.


cheers.

[autoworksnovasport]

silly question but have you tried adrian flux?? they specailise in young drivers

[christurboo]

i was told you had to be 21? i will try them cheers

[Lewis.]

what's your postcode mate? I thought most of newcastle was a pretty poor group

[AndrewJenkins]

decalring you park on the road is cheeper than the drive or a garage and put some older people on your insurance with lots of ncb i got my from 2200 to 1160 with suspension brakes and interior changes and im 18 0 ncb and 3 points

[Spudly]

decalring you park on the road is cheeper than the drive or a garage and put some older people on your insurance with lots of ncb i got my from 2200 to 1160 with suspension brakes and interior changes and im 18 0 ncb and 3 points




But declaring your vehicle is garaged or off the road overnight when it is not, is actually insurance fraud and illegal!

[TeddyThom]

decalring you park on the road is cheeper than the drive or a garage and put some older people on your insurance with lots of ncb i got my from 2200 to 1160 with suspension brakes and interior changes and im 18 0 ncb and 3 points

How is declaring that you park your car on the road going to make it cheaper than if you was to say you parked in a drive????

[Andy]

Maybe because your admitting its on the road rather than babbing about it being in a garage lol

[TeddyThom]

lol true.

However I park on a drive. Not the road. So if I was to change that to "I park on the road" I should get some monies knocked off the premium??

[Spudly]

How is declaring that you park your car on the road going to make it cheaper than if you was to say you parked in a drive????




Because if its locked in your garage its not going to get vandalised by pissheads/idiots, its less likely to be broken into/stolen as most thefts are just chance encounters, and above all its not going to get crashed into by a sleepy/drunk/incompetent driver, if its not parked on the road, so therefore its considered as less of a risk, and therefore (usually/sometimes) cheaper:p

[TeddyThom]

I never mentioned a garage tbf :plol

I was on about the difference between the drive and the road (apart from the obvious)

So I was right to be confused on what he said then.:tard:

[Spudly]

Garage/drives are considered the same things afaik, but its classed as less of a risk if its parked off the road:p

[Andy]

but the lad said it was cheaper on the ROAD lol

[Spudly]

Eh im sure he has got that one wrong then lol




I never spotted that one, this explains why you were confuddled mr Tom, apologies!

[Ron]

im 19 1 year no claims im paying 800 instead of 1600 just i got my misses and my sister on there pays to put them on

[_Jake]

Try Co op insurance, im 17 & Pay £1380..

[christurboo]

what's your postcode mate? I thought most of newcastle was a pretty poor group


ne9 5xl its gateshead not newcastle just over the water

[christurboo]

Try Co op insurance, im 17 & Pay £1380..

by yourself or on someones insurance mate?

[christurboo]

this may lead to another nova going in the tip im that sick

[brainsnova]

Have you tried direct-line

[stevenf]

is the car standard or modified?

[AndrewJenkins]

no because i have a drive and a garage im not one of theses people lying ive done everthing by the book hence everything is declared.

and my dad was talking to the insurance people and its something like on the drive statistically your more likley to have a ding on the way of joining the road rather than if your already on it and in the garage was some bull crap that if someone finds your keys they know were your car is

[brownbear]

Bell are pretty cheap for young drivers.

https://www1.belldirectinsurance.co.uk/QE3/pages/index.jsp;jsessionid=0000HvZIyZBnvCNwhgyrvhNT14M:-1?reqid=1319206319741

[TeddyThom]

I never spotted that one, this explains why you were confuddled mr Tom, apologies!

No worries dude, was wondering when you would catch on to what I spotted hahaha :thumb:

[_Jake]

by yourself or on someones insurance mate?
My own insurance mate, Fully comp too

[andy_mk3]

ne9 5xl its gateshead not newcastle just over the water


NE9 is grade E* mate, not good!


Insurance Grouping By Postcode

A = Low Risk
F = High Risk
* = Any motorcycles in areas D, E or F must be garaged in a locked and secured building whilst at the policy holders address. In some of these areas this may also apply to cars.

[Andy]

E*= Compton blud.................

[nova1992]

Well i got a 2.5k policy from elephant, I am 19 years old i have a 1.2 1992 nova.

All of a sudden my policy changed I was asked to pay £465 Per month, Which i COULD NOT Afford.

I am now following up a few court cases due to stupid terms in there "insurance" agreement.

[nova1992]

I must add, I have just got a new quote today for £1349.83 Thats a 12month policy, With bells.

[Liam]

I've just been looking at insurance. I'm 17 and with my grandad who's 73 and 12 years NCB i've got it down to £700 fully comp and protected NCB with CO-OP!

[phazer]

I must add, I have just got a new quote today for £1349.83 Thats a 12month policy, With bells.

If you're fighting Elephant be aware that they, Bell and Admiral are the same company.

[turbojolt]

Liam are you going to.be the main driver on that policy

[christurboo]

I've just been looking at insurance. I'm 17 and with my grandad who's 73 and 12 years NCB i've got it down to £700 fully comp and protected NCB with CO-OP!

i hate you!! lol

[Bubba]

Liam are you going to.be the main driver on that policy

if not...isnt that called fronting? and slightly on the illegal side?

[turbojolt]

if not...isnt that called fronting? and slightly on the illegal side?


thats what i was getting at matey

[turbojolt]

double post

[Liam]

Yes that's me as main driver. It's cheaper, because of his NCB it reduces the premium by 70%.

Edit: That's also because I have taken my pass plus which reduced the premium again by 40%.

[TeddyThom]

The wording is key. If you are technically the main driver of the car (as in you drive your grandad around all the time, do your own thing in it all the time etc), but a named driver on the policy that is when it becomes illegal. IIRC.