Young driver insurance

Go for a 1.0 but you'll still pay big insurance til you get a NCB. Shop around but it is what it is. Expect to pay big money for a while at least.

I wouldnt have thought that a 1.2 Corsa would be much worse than most 1Ls for insurance. Maybe try a few smaller cars for quotes and see what you get.

GrayFox208 wrote: »

They go by highest risk driver now. So premiums are basically the same. And that's not the case the NCB is what they want. Without your own one premium will still he high.

So your're still considered a high risk driver if you have been driving 4-5 years as a named driver without any claims.

GrayFox208 wrote: »

They go by highest risk driver now. So premiums are basically the same. And that's not the case the NCB is what they want. Without your own one premium will still he high.

I've heard this said a good few times but is it true for all of them? Brother was insured last year as a names driver through aviva for about 4k less than what his lowest quote was if it was in his own name.
This year through a broker it's down to 950 as a named driver. Similar quotes in his own name on the same polo were coming in at around 3k

quadrifoglio verde wrote: »

I've heard this said a good few times but is it true for all of them? Brother was insured last year as a names driver through aviva for about 4k less than what his lowest quote was if it was in his own name.
This year through a broker it's down to 950 as a named driver. Similar quotes in his own name on the same polo were coming in at around 3k

Probably not all of them. I asked the question of Liberty a while back (out of curiosity off the back of a thread on here); I actually asked do they have a criteria for the point at which a named driver much be declared the primary driver or does it matter, and the response that I got was that as far as they are concerned the highest risk driver on the policy forms the primary risk and the policy is priced accordingly. The girl I spoke to reckoned that it makes no odds who is named as the primary driver as the risk is taken into account either way in the price.

Kopparberg Strawberry and Lime wrote: »

Plus fronting is a form of fraud.

Whoever the main driver of the car is has to be the policy holder not a named driver.

FBD said that my son wouldn't be covered if he was the main driver but they could put him on as the main driver through my insurance for an extra fee. You are saying this is fraud

Kopparberg Strawberry and Lime wrote: »

How could he be a main driver on your policy ?

that doesn't make sense.

You can nominate any driver you like on the policy as the main driver. The insurer will just price the policy accordingly.

Bear in mind you cant insure a car that you dont own, so if Mammy is letting little Johnny driver her car all of the time but doesnt want to sign it over to him then he cannot take out a policy in his own name on said car. Allowing her to name him as the primary driver on the policy gets around this.

Sam Kade wrote: »

Ring them, I checked online to put my son on his own policy €1200 for a mazda 6 when I rang them it was €2,500

why would i do that :P

we bought the policy online with visa. seems legit. sister as the policy holder and mother as a named driver. competitive. i think it's all a bit of pot luck with insurance prices. aviva were well out of line when i went to renew my own policy.

Tbh 2k at 18 is a good price.

I'm 26 provisional holder and my latest premium was 1200 after being 700 last year...even with another years no claims.

Must get my act sorted and get my full license. Have four years no claims built up now. Been eyeing a new car for a while and as a provisional driver nobody will insure me on anything over a 1.4

Can't wait for my Nonce plates

goz83 wrote: »

If everything was done properly online, there is no need to ring. Just take the offered policy. But, I recall you mentioning in another thread that you would be the main driver on 2 vehicles under your policy, with your son being named driver.



Indeed, but some motorists, like the one quoted below seem to have no issue with fraud. Ah shure it's grand, coz ye won't be cot.

Except, it's not grand. People get seriously injured, or killed when certain drivers are fronted on cars they otherwise would find impossible to insure. I'm one of those injured people who was hit by a young driver on mammies policy in a high performance car. :mad:

The reason being his price went up when he called was because they took thencb off the quote since the ncb is already being used elsewhere. Very simple and works well in these situations where deserved

Quite simply why should a driver who had never driven before be giving a discount for good driving from someone else ?

Very sorry to here of your misfortune. Hope it wasn't a case where you had to jump through hoops to get sorted or took longer because of that ?

The great thing to take away from it is because of that mammy lost all her ncb and will have to declare that claim when she goes looking for insurance. ... even on her own !

Kopparberg Strawberry and Lime wrote: »

The reason being his price went up when he called was because they took thencb off the quote since the ncb is already being used elsewhere. Very simple and works well in these situations where deserved

As he was insuring a second vehicle, the ncb should have been 0 years for the online quote, but I suppose it is an easy mistake to make.

Kopparberg Strawberry and Lime wrote: »

Quite simply why should a driver who had never driven before be giving a discount for good driving from someone else ?

They shouldn't. I think insurers are going the right way in marking the higher risk driver, but I do think they are scum most of the time and try worm their their way out of everything possible.

Kopparberg Strawberry and Lime wrote: »

Very sorry to here of your misfortune. Hope it wasn't a case where you had to jump through hoops to get sorted or took longer because of that ?

Got compensated for my car (kind of. Book value, but not real value). PI takes much longer and I have yet to even put a claim in.

Kopparberg Strawberry and Lime wrote: »

The great thing to take away from it is because of that mammy lost all her ncb and will have to declare that claim when she goes looking for insurance. ... even on her own !

It's of little consolation that mammy lost her ncb, when I have lost my ability to drive and have to get spinal surgery. Too often, motorists have a lax attitude to things like putting little Johnny on mammies policy, because it'll save a few quid. The attitude starts on smaller things and is usually to save a few euro. It can escalate to downright fraud and lead to serious accidents. This isn't aimed at you by the way KS&L. I'm just adding to the thread. I'm feeling a bit pished off tbh, as I am laying on my bed, in fukin agony right now and would love nothing more than to be able to go walk the dogs with my wife and kids on this lovely Saturday.

Israel Muscular Sauna wrote: »

I'm very sorry to hear you were badly injured but adding someone as a named driver and allowing them to drive your car is perfectly legitimate and very common (it's not fronting either). What you are tying to say is adding named driver shouldn't be allowed which is madness.

Most people couldn't afford to get on the road without getting added to a parents car, it was costing me about 2000 punts to be a named driver on my mothers insurance on a 1.3 litre car when I started out driving years ago, my own insurance would have been totally unattainable with the prices.

As KS&L has said, it's not about adding ones children to a policy. It's when parents are on paper as the main driver of the car (especially high performance cars), but the policy holder will likely never sit behind the wheel of said car.

Its not easy getting first time insurance. I paid a hair shy of 5k on a 1.4 Astra 11 years ago, for TPFT. I can tell you that the very high cost of insurance made damn sure I drove more safely, if for nothing else, but to lower my premium the next year.