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[Aaron]

how old are you?

21 and i have done that pass plus thing to which is why am a bit peed off.

[BlueTaylor]

21 and i have done that pass plus thing to which is why am a bit peed off.

that is bad mate, over £2000 on a 1.2 

but it could still be age related as when i was 17 i had to pay a wacking £3500 on my punto 1.2 - but no named driver just me

i would put it down to your age and not much driving experiance

[Aaron]

that is bad mate, over £2000 on a 1.2 

but it could still be age related as when i was 17 i had to pay a wacking £3500 on my punto 1.2 - but no named driver just me

i would put it down to your age and not much driving experiance

lol 3500 jesus i would sooner get the bus, i can live with 1600 but 2000 at like 200 a month and it would of been a big struggle.
When i spoke to my bank about it they said you can expect it to go down by about 30% after 12 months with no accidents or whatever obviously.

[BlueTaylor]

lol 3500 jesus i would sooner get the bus, i can live with 1600 but 2000 at like 200 a month and it would of been a big struggle.
When i spoke to my bank about it they said you can expect it to go down by about 30% after 12 months with no accidents or whatever obviously.

its not that bad £200 ish a month for a year, then looking around £140ish next, some people pay that on financed cars over 5 years

[Gavin]

Insure it at a relatives house in the sticks that has a garage. I live in west London with a secure carpark but my insurance is high due to the postcode, I insure my vehicles at my patents house in sleepy Surrey where they have a garage and zero crime! Insurance for the same vehicle is a third of the cost in Surrey as it is at my house.

[Laney]

Aaron, Have a look at Elephant and Admiral, they do 10 month policies but you get a years no claims bonus for that insurance period, so will get discount quicker.

Also try adding a voluntary excess to it may be £200 compulsory excess and £300 voluntary so £500 total. Should see your premium drop then.

Also have a look at adding a family member onto the insurance as oddly this can drop the price. You would still be the main driver but have your mum or whoever as a named driver.

[Gavin]

And if you are going to pay monthly for your insurance, it is ALOT cheaper if you put it on a 6 month 0% credit card and switch it every 6 months paying it off monthly. Insurance companies charge something ridiculous like 30% for paying monthly

[7777]

I had an RS2000 when I was 21 fully comp and assumed I was okay to drive an old Cavalier that a mate had swapped me for a mountain bike when he went to Uni.

I was wrong and it cost me big time

a) Quite often you need to be over 23/25 before you can drive another car
b) Don't assume other people are covered especially if they're your age
c) You can't own two cars and be fully comp on both as I found out

Harsh lesson when you're 21 I can assure you 

[Mustard Dave]

c) You can't own two cars and be fully comp on both as I found out

You can.  Are you getting confused with not being allowed to have 2 policies on one vehicle?

[Gavin]

I think if you are fully comp, you can drive another car third party only as long as it's already insured and you have the owners permission

[Mustard Dave]

Insure it at a relatives house in the sticks that has a garage. I live in west London with a secure carpark but my insurance is high due to the postcode, I insure my vehicles at my patents house in sleepy Surrey where they have a garage and zero crime! Insurance for the same vehicle is a third of the cost in Surrey as it is at my house.

The trouble with that is you could end up in the shit if you have to make a claim.  Insurance companies rarely check up on you when you take out the policy but when you want to claim they will look into any way they can of reducing their payout.  If the policy relates to one address and your licence to another, you are buggered.

If you were in an accident, they would pay out for the third party (they are legally obliged to, regardless what you have told them).  They will either:

1) Refuse to payout and attempt to recover the third party payout from you
2) Pay up but recalculate your premium and come after you for it

You then also run the risk of having your insurance terminated and if that happens, insurance companies will either refuse to insure you or demand ridiculous premiums.

The best thing to do with an insurance company is tell them everything.  Insurance companies are a civil contract and you have a duty to declare anything that may affect the insured risk.  Unfortunately it isn't what you want to hear though, if you are being quoted silly money.

[Gavin]

Luckily, my license is also registered at their adress. I have had one vehicle nicked and 2 crashes and not had a problem yet. Of course it is easier to tell the truth, but I don't like giving more money than I have to to those robbing bastards!

[7777]

You can.  Are you getting confused with not being allowed to have 2 policies on one vehicle?

What I mean is I couldn't be the owner of both cars and only be fully comp on the one car thinking that allowed me to drive the other car that I owned

If that is any clearer?!

[Mustard Dave]

I think if you are fully comp, you can drive another car third party only as long as it's already insured and you have the owners permission

As I said earlier, it depend what the cover note says.  Other vehicle cover is not automatic with comprehensive policies - I am over 25 and do not have it on my policy.  

With regards to the vehicle already being insured, again it depends what your policy says.  The problem the insurers had was chavs were driving about with no insurance and having their cars seized.  They were then getting their mates to turn up with their DOC cover and release them from the pound.  The insurers have got wise to it and now usually stipulate they do not cover you for recovering seized vehicles.  Some state the vehicle you are driving must be insured, but not all do.

Another problem with driving an uninsured vehicle on the road is the RTA says an insurance policy must be in force to 'use' a vehicle on a public road.  'Using' includes the vehicle being parked, therefore as soon as the driver leaves the vehicle unattended in a public place, he is committing an offence.

[Mustard Dave]

What I mean is I couldn't be the owner of both cars and only be fully comp on the one car thinking that allowed me to drive the other car that I owned

If that is any clearer?!

Yes, that makes sense now.  The policy usually states that DOC entitlement can only be used on a car not registered or hired to you.