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The rover 214's TPF&T premium is just over £500 with Direct Line - 18 year old student and 21 year old (so she tells me) wife, both on provisionals and me - they're both accumulating their own NCB as well.
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Mike H. Having seen your post, I have looked very closely at all the small print and the clause you mention does not appear in my wifes schedule or policy document. As you say it could possibly have been a problem in the future.
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Mike H. Having seen your post I have looked very closely at all the small print and the clause you mention does not appear in my wifes schedule or policy document.
Both mine & Mrs BP's cars are with Liverpool Victoria (Frizzell) and my daughters are named on my wife's car. On the phone, LV were at pains to point out that the kids couldn't use the car to go to Uni (they wouldn't anyway) or my older daughter to work.
I pointed out that my older daughter had her own car but might want to use her Mum's say if hers was going in for servicing - LV said that as she has her own car that was fine.
I asked if these restrictions would appear anywhere in the schedule, cover note or policy document and they said 'no' (and of course they don't). Therefore I'm baffled by the status of these restrictions - as far as I'm concerned they have no validity at all.
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as far as I'm concerned they have no validity at all.
>>
Agree with you
I added my oldest son(17yrs old provosional) onto my wife's MINI ONE and it only went from £190 to £450 but I was clearly told by the telephone sales person that my son was restricted to "using the car 3 times a week - & no regular commute to work/school/college".
This was fine for us as he was only being taken out by me for additional driving practise a couple of times a week (in addition to his normal driving school lessons) plus when he was going out & needed a lift - he drove the MINI with me supervising / & I picked up. He used public transport for school & part time job.
As stated by others - nothing on the policy re: the 3 times a week restriction.
And - How could LV ascertain that a driver was in breach of this condition in the event of an accident/claim?
Jacks
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well it is sometimes hard for them to find out although there might be info divulged in say a police report of an accident of the intention of the journey eg commuting. Or if the car is stolen/damaged from a university town rather than the home address. Also possible fishy claims can mean a visit from the Company's claims inspector. Some people manage to do the lying thing face to face but a hell of alot crumble and confess before. You'd be surprised how bad some people are at keeping a story straight.
All this questioning is really to uncover "fronting" where a parent puts a car in their name but effectively the car is used all the time by the young person, perhaps even taking the car to university and parking habitually in an inner city area but claiming to live in respectable suburbia somewhere else.
Do remember (and I have seen this happen having worked in an insurance co for 6 yrs) that proposal forms/input data is often recalled at claim time and non-disclosure or fabrication can be used as grounds to avoid paying on own damage claims. When I worked in insurance I said to people "what are you buying the cover for? Is it not peace of mind? Does the risk of repudiating a claim give you that peace of mind especially for a car which could cost alot to replace etc?"
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Try CIS. tinyurl.com/33azme
Top quality cover. No jiggery pokery, everything open and above board ~ and that's not something you can say about all insurers.
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L\'escargot.
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Try CIS. Top quality cover. No jiggery pokery everything open and above board ~ and that's not something you can say about all insurers. --
I used them for Mrs BP's car when the kids were first learning (as did many of our friends) they were one of the few companies to do any driver any age policies and the price was good. We had one claim and it was handled well. But the price crept up until it became ridiculous and we moved to Frizzell (L'pool Victoria).
HOWEVER - I got a quote from them for my Merc and it was a bit high so ignored it. The next year they wrote to me, with the car and all other details correct and offered a quote of £270. I rang them to accept, they ran through the details, and said the price is £600 - no amount of cajoling, or demanding that managers should call me (they didn't) could explain the difference. I really *don't* like that sort of thing.
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"what are you buying the cover for? Is it not peace of mind?
That's true for me, but I would suspect that the majority of people are buying cover because it's legally required, so they buy the very cheapest they can. Even if they make a claim and have a problem, they probably think all insurance companies are the same anyway.
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See my other post - I never got as far as taking out the policy, I was using the term metaphorically.
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See my other post - I never got as far as taking out the policy I was using the term metaphorically.
I think so were Liverpool Victoria - they don't really have such a restriction at all. If they did, it would be in the documentation.
Perhaps the staff are on some kind of profit share scheme and have taken it upon themselves to try to discourage youngsters from using the car :-)
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This year, on Mrs T's 1.4 98 Polo, Admiral was cheapest for her, me and our 19 yo daughter. Our son is 17 nextt month, and will be adding his name to the policy, which will have 6 mths to run.
A question though - daughter is at Uni, and really only drives it occasionally to see friends when she's at home (not often these days!!!). But I pay for the whole year cover - is there not a company that offers some sort of pro rata cover for these types of use, rather than blanket cover for whole year? I seem to spend ages on net/phone every renewal time, and really do get fed up with it. But I also hate being obviously ripped off if something better/cheaper is there!
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Ok thanks for the pointers and tips
For closure
17 years old, provisional, 1998 Clio 1.2, TP F&T £250 excess,
£989 - Quinn direct, link from gocompare.com comparison site.
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TourVanMan TM < Ex RF >
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Is this as policyholder, or named driver on parent's policy?
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Policyholder, no named drivers
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TourVanMan TM < Ex RF >
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Did you also ask for a quote with say mother as a named driver. I have heard many times this works out cheaper.
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Nope, dont want my son on any other policy. He gains or looses his NCB on his own
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TourVanMan TM < Ex RF >
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Try Co-op www.cis.co.uk - saved me over £100 but then I'm no 17y/o.
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TVM what I think was meant was that adding a parent as a named driver to a policy in the young person's name sometimes reduces the premium overall.
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Yes, as I said, I dont want the driving behaviour of my son to have any effect on anyone else in the household. He has his own policy with his own name on it and no-one else. The car is registered in his name.
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TourVanMan TM < Ex RF >
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Yes, as I said, I dont want the driving behaviour of my son to have any effect on anyone else in the household ...
something not right here.
if frenchman-junior was to add either papa or nicole to his policy as named drivers, junior would most likely get a discount on his policy.
there is no need for papa or junior ever to drive junior's car. if junior has a "his fault" prang and makes a claim, it has absolutely no effect on the respective insurance policy/policies that papa or nicole may have in their own names.
see your previous question here
www.honestjohn.co.uk/forum/post/index.htm?t=50471&...e
RF Junior - First car - Dalglish Mon 26 Mar 07 18:33
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papa and nicole dont have a policy in their own names. Hence any policy where you are a named driver MAY screw any future no claims bonus for either
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TourVanMan TM < Ex RF >
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.. Hence any policy where you are a named driver MAY screw any future no claims bonus for either
the problem does not at all if you never drive junior's car or if you never have an accident while driving junior's car.
junior's driving record is his and your driving record is yours.
the named driver would only be affected if the named driver is driving when involved in an incident, regardless of fault.
obviously if the named driver seeks to obtain his/her own insurance later, they would have to declare that they have had an accident in a car they were driving - it does not matter whether thier own or their company's or junior's.
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You have proof of that?
I have been advised that where no other policy exists, your name on a policy with a poor claims record could prevent any carry over from a company scheme or introductory NCB.
The matter is closed, the deal is done.
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TourVanMan TM < Ex RF >
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You have proof of that?
yes. I have been advised that where no other policy exists, your name on a policy with a poor claims record could prevent any carry over from a company scheme or introductory NCB.
you have been wrongly advised. and on the contrary, if someone insures with the likes of direct line, you will earn your own separate no-claims bonus as a named driver on that other person's policy as long as you have had your name on that policy for more than one year and have not made a claim (even though the policyholder may have made many claims).
( trust me. i know these things. just as i trust you to know about problems with microsoft vista. )
The matter is closed, the deal is done.
yes, i do know that. the continuing discussion is for the benefit of others who may be misled by misinformation.
and even though the deal is done, junior can phone and ask how it might affect the policy if nicole was added as a named driver (obviously papa has a bad record of running in to buses, so do not put him on as a named driver).
like dipstick (Insurance quotes for 17 year old - Dipstick Tue 14 Aug 07 10:44 ) you may be surprised to find that they send junior a refund for including nicole on the policy.
at the end of the day, junior's money, your choice.
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What would happen if I applied for an online quote from the company with which I am already insured? Would their system detect that I was already a customer?
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L\'escargot.
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Entirely depends on how you "frame" your contact details.
When Getting quotes online I use the correct postcode, wrong house number, false name and a wrong telephone number.
You would be suprised how many quotes Mr Know Wun, with an email address of know.wun@nowhere.com obtained recently
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TourVanMan TM < Ex RF >
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I did exactly that last week - had a high quote for renewal. Went online with one of those comparative websites, and had a quote back from my existing insurer at £300 less.
Rang them up and was completely open about it, and they ummed and aahed for about three minutes and then cancelled my existing policy (a month to run), started a new one at the lower price (same cover etc) and gave me a £25 quid odd refund oin the cancelle dpolicy to boot. No need to pretend I was someone else.
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I just got an online quote (under the name of Fred Flintstone who lives a few doors away) from my existing insurer and it was £60 cheaper than the premium I have just paid, plus Fred would have got an additional £25 discount for applying online. Interesting.
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L\'escargot.
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I too have only last week cancelled my existing policy at renewal and applied online with same company and saved £60. I told the renewal phoneline exactly what I was doing, they said many people now do this. They can't just reduce your renewal premium as it of course doesn't count as New Business. Mad if you ask me.
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For years ins cos have been offering different rates as a come on for new business. Direct Line were one of the pioneers of it and lots have copied. Effectively it is just part of the marketing budget. Out of interest has anyone who habitually jumps insurers ever found that they've in some way felt short changed at claims time? When I worked in an insurers they did look back at someone's history if there was a need to give way on something. Those who had only been with us for a year generally did not get as good a response as a more long term customer (or better still a customer through a major connection/affinity group). Not sure if that still persists.
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We dumped direct line for car policies last year as they wouldnt knock off the 10% discount for new internet business. Now neither Nicole or I have car insurance policies in our names. I have however played Direct line at thier own game with the house insurance. We flip flop between Tesco and Direct Line each year and get at least a 10% discount each time as "new internet business" (despite the fact that Tesco Insurance and Direct Line insurance are one and the same)
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< Ex RF, Ex TVM >
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Yes, they are a bit naughty with their existing customers and hike it up it year. We recently had a renewal quote for the Octavia at £315, so we did a bit of internet searching. The same policy with Dirtect Line as new on line customer was £240, so we took that out instead. Tried the same with their house/contents and saved £200 on the renewal!
Didn't know Tesco were one and the same, will do that in future!
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Needless to say I've been driving for 4 years, and been insured by 4 different companies. If you don't shop around thoroughly each year you'll end up throwing your hard-earned cash straight down the toilet. I found Norwich Union the worst for "new business" prices. Despite having an extra year of no-claims, and changing the cover to TPFT, the renewal quote was still £100 more than the previous year's cover! Moved over to Admiral and saved £250 that year.
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