Devastated

msg11

My one chance at getting a car credit free, something that I would enjoy for many years to come.. What happens the insurance ruins the day...

Father is finishing work etc.. Offered to buy me a car of my choice, I was looking around, and seen the integra, car I have drove before... Except this was a Type R , car I have dreamed about.

Anyway, I decided to ring my insurance see how much etc...

Got a quote of 700euros per month from Hibernian, she said its cause I am 17 etc....

DEVASTATED...

The real question here is, Whats the difference between a 1L and a 1.8L ?

I mean, if I was to have a serious crash in either of these cars, I am sure the damage would be the same on either account. Just baffled really.

Is there anywhere I can go that can give me a quote ?

Really have lost interest in the car, with its per month running costs, which could come to 1000+ ....

JHMEG

msg11 wrote: »

The real question here is, Whats the difference between a 1L and a 1.8L ?

About 140bhp! And lots more bad driving from you. Honestly, kids these days.. how many 17 year olds in any country get insured for reasonable money on an ITR? (And for good reason.)

eringobragh

I wouldn't insure you either. I'm surprised they even quoted you 700e a month.

tbh I know what i was like when i was 17 and if you own a car of that spec you'll probably write yourself off as well as the car.

Forget about it until your driving a few years

kona

you should read the thread on the M5 crash;)

Esel

So sad for you. Hope you get over it soon. Go for a 1 litre car, as you won't know the difference. :rolleyes:

eringobragh

kona wrote: »

you should read the thread on the M5 crash;)

x2

sure not long ago a Roscommon lad same age killed himself and a passenger in his jordan civic and that was a 1.4!!

agent_smith

To be honest, I know its a bit of a blow but look at it as something you can work up to. In a few years you will be older, you will also hopefully have your full licence and a full no claims bonus. You will be able to drive whatever you like then
In the mean time, trust me when i say this , it does not matter horse power wise, handling wise or anything else thats written on a manufacturers brochure. Your first car is always special whether it be a micra or an integra type r. Your first car is special because its what you learned to drive in, it was the first car that was YOURS and finally having your own car (regardless of the spec sheet) affords you an independence to go anywhere you want when you want and on your own steam.
Good luck. Go for the micra, itwill be your micra and you will love having it.

miju

eringobragh wrote: »

I wouldn't insure you either. I'm surprised they even quoted you 700e a month.

tbh I know what i was like when i was 17 and if you own a car of that spec you'll probably write yourself off as well as the car.

Forget about it until your driving a few years

+1

to be honest the very fact you can't see the difference between a 1L and a 1.8L is the one of the many reasons your being quoted €700 a month

Senna

kona wrote: »

you should read the thread on the M5 crash;)

The OP's father should be made to read it.

promethius

Whats the difference between a 1L and a 1.8L ?

0.8 litres.
someone who asks a question like that deserves a bicycle not a car.:rolleyes:

msg11

miju wrote: »

+1

to be honest the very fact you can't see the difference between a 1L and a 1.8L is the one of the many reasons your being quoted €700 a month

Sorry I am getting a little bit heated here and very pissed off, firstly I know the bhp difference etc... The point is why quote us for any car if there such a lethal weapon.

Lads don't try spoon feed me here, I am lucky to be with a license & my life, and I learned a valuable lesson about, how you don't phek around with cars, as there machines.

Also forgot to mention, I started driving in an integra 1.6 , but moved now to a ford 1.2 just though it would be nice to move back to an integra.

Also, I have my first 1 years no claims coming up and my full license test is soon, which I know I will pass.

Which brings me too this, she said that, even if I had a full license and 1 years no claims, the computer still generated a massive quote??

promethius

Which brings me too this, she said that, even if I had a full license and 1 years no claims, the computer still generated a massive quote??

You're not even fully qualified to drive and a high risk age category on a relatively high powered car, what did you expect in fairness?

Young fellas your age are cocky

my full license test is soon, which I know I will pass.

which is one of the reasons why your insurance costs more.

Something smaller isn't the end of the world, sounds like you've come into some good luck so stop fretting about the integra and get something else. Good luck with the new wheels whatever way it works out.

TheBazman

I know it seems as if everyone here is raining on your parade but I think there is a lot of driving experience among most of the posters here and its worth listening to what they say.

I know you may feel a competent driver - but, if you get behind the wheel of something sporty the adrenalin will kick in - you will not be able to resist! This doesnt guarantee that you will crash but from an insurers point of view there is a higher risk that you will (and they are concerned about the risks). Saying that 700euro seems a lot. My advice would be to get something less powerful. If you are driving the car you suggest at 17, trust me you will get bored after a year or two and will want something even more powerful. Within a couple of years 300bhp wont be enough. Just be patient - there will still be many years to enjoy more powerful cars when you are 25 or 30 when you will be able to afford the insurance

As an aside, everyone knows that passing the driving test doesnt necessarily make you a better driver. There are very few real world situations covered in the 20 /30 mins of a test (eg night driving, motorway driving). Also I wouldnt be so cocky to assume that you definitely pass it. Anything can happen on the day and I think most people know what they would consider good drivers who have had to take a couple of bites at the driving test cherry

orestes

You're a seventeen year old without a full license trying to get insured on a car with a pretty big engine. Without sounding like a smart-arse, what did you expect man? Of course the insurance is gonna be pretty steep, from their point of view you are a risky liability.

Try a smaller car for a bit and build up a couple of years no claims bonus, that way you will be a bit older and out of the boy-racer category, have a full license, and have shown you are a responsible driver. In two years time your insurance will be waaaay cheaper and you will be able to get the car you want for a far more reasonable price. It's a number game man, like it or not, just try to work it the best way you can

msg11

The car is totally out the window, I am a risk, I know I dont have experience, even after driving a year and I wont gain it either with a full license.

The basic point I was making, really was that, its a typical Ireland thing really, charge as high as you can it that type of car and that type of person.

I do realise at the end of the day, I will have sit it out, learn some more. And wait till 2011 and see what I can do then, just angry as I said a chance like this doesn't drop itself too often to get a choice of a car, without the credit etc...

promethius, I am going to try and come up with an excuse for that, I am a realistic person here, and they are cocky. Flash the car in front of the girls etc... I am not that type of person, as I said I had a brush with death. I would like to see it again in my life. And also, lets not say here, that people in your age bracket are not cocky, I guess around the 30 - 40 ? May-be not. Which I see all the time on phones, pulling off driving that you would pay a stunt man too do.

TheBazman, everyone here is mate, I dont mind the insults about the car, but insulting the way I drive is another kettle of fish. I am open to listening to people that are willing to give advise, some of the posts are just utter trash and thrown up for a post count. And may-be I wont, but I have been driving around my test centre location since I started driving, day and at night, and been in the car while others drove around it looking for hazards myself while not driving. I would say I would most likely pass, as there has been quite alot of practise and reading of theory.

orestes, I expected them to say no, that would have been fair with me, but too come up with a figure of 700 euro per month? Is that fair, No. Been told that you can't be insured on that type of car, its too powerful is fair and telling me as it is . Waiting seems like what has to happen, and for what I have been told is better for my pocket.

milltown

msg11 wrote: »

The point is why quote us for any car if there such a lethal weapon.

That's like a baseball bat vs. a shotgun. Both can kill a person but 1 will do it a lot quicker and easier. If you thought somebody had the potential to kill someone, which would you give them?

quarryman

I don't understand how you could be "DEVASTATED"?

Did you actually expect a realistic quote at your age.

You haven't even proven you can drive, let alone control a high-powered car. You SHOULD NOT BE ALLOWED NEAR A Type R. End of story.

Stay in your Ford for 3 or 4 years but even then you might not get a realistic quote. And that's the way it should be.

PaulKK

In fairness OP i cant see why your complaining... you want to get insured on a pretty high performance car at the minimum age for driving, without ever having shown any previous competancy of being able to drive.

TBH I don't honestly think you have the right to complain.

You also state that you had a crash before, I don't know if you were driving but if you were it was in the Integra I presume?

I don't want to attack you here, but maybe the 1.6 integra should have given you enough warning to build up expeiance for a few years.


I suggest you wait a few years, pass your test and build up your NCB. THat way you'll be able to insure a nice car reasonably and be able to enjoy it.

Wossack

Id be devasted too if daddy was buying me a car and he cheaped out on getting me the insurance too

what an awful situation to be in... my heart goes out to you

Atomic Pineapple

I'm 24 with a full licence 4 years, 3 years no claims bonus and paying €1300 on a euro model integra type r, and i had trouble getting insurance, i'm afraid at your age getting insurance on such a car is just unrealistic

E92

Sorry OP, I know life's unfair, but in fairness a DC2 ITR has 189 bhp, which is very powerful for a 1.8, it's not any old 1.8 with about 2/3rds of the power an ITR has we're talking about here, and you're 17, that's why you are being quoted so much(I'm actually surprised you were quoted at all tbh).

javaboy

If Daddy is buying you the car of your choice, get yourself a nice Lexus/Porsche/Lambo (I'm assuming Veyron is out of his budget) etc.

Leave it sitting in the drive for a few years while you drive a micra and build up your no claims

lightening

msg11 wrote: »

Also, I have my first 1 years no claims coming up and my full license test is soon, which I know I will pass.

Your not cocky? Why don't you call the insurance company and tell them you know you wont crash.

Look msg, your lucky your dad is spending his cash on a car for you, at 17 having a car is amazing.

PauloMN

Get over it FFS. You don't even have a license and you're only 17 - we all had to go through wanting fast cars but not being able to have them. I didn't get my first car until I was 22, it was a 1 litre Charade and it cost me about £1300 in old money to insure TPF&T having had a full license for 4 years.

You're lucky to be getting a free car - get whatever you can and stop moaning.

Stephen

At 17 and with a provisional licence you are statistically a much, much higher risk than someone a few years older with some more experience, thus you get quoted much more on the same cars. This is how insurance works. Deal with it. When I was 17 I couldn't get an insurance quote on anything but a 50cc scooter! Things have improved considerably since then.

Biro

eringobragh wrote: »

x2

sure not long ago a Roscommon lad same age killed himself and a passenger in his jordan civic and that was a 1.4!!

The Jordan Civic is a 1.6, with 160bhp... his mother bought it for him, cause the 1.4 civic he had before it (that she also bought for him) wasn't quick enough.
That kind of supports everyone's opinion here, and rightly so.
OP, I had to wait till I was 22 before I had saved enough for my first car, and at that I was charged IR£2,000 for the year TPF&T (on a 1.4). The following year it went up to €2,800 (about IR£2,500) because of September 11th. You think you're hard done by? Try getting ripped off because of stupid muslim terrorist incident 3000 miles away.
I had to wait till I was 25 till I got insured in something even remotely decent. I bloody well appreciated it when I got it. I've absolute zero sympathy for you, sorry.

unkel

msg11 wrote: »

a chance like this doesn't drop itself too often to get a choice of a car, without the credit etc...

Ask your dad to deposit the money on a savings account. In a few years time (with say 3 or 4 years NCB and a full license) you'll be able to buy a nice car with it and get affordable insurance. And you'll still only be 20 or so!

BnA

Hey Msg11

First of all, screw the begrdugers. If your Da worked for his money it's up to him what he does with it. And he wants to give you a present of a car, then fair play to him. You're lucky to have a generous Da like that.

It's a pity about the insurance, but to be honest it's hard to blame them. You're only 17 years of age and that's a pretty powerful car. I know you feel you are a good driver etc. but the statistics that Insurance Companies base their quotes on say otherwise.

When, you're da is being so good, I think it's a bit of a waste to waste it on a feckin' Micra or something like that. Maybe the best thing to do, would be to put your Da off for a few years. Tell him the story about the insurance, and ask him can you put it off untill mayBe your 21st or something like that. In the meantime Get an aul' festy or something like that and clock up the no claims bonus.

Do what half the country is doing. Get your da to insure the type R under his own name.

Buy a cheap low insurance rated car like a punto or clio and get insured on that in your name. Most policies will allow you to drive other cars, ie the type R. It still won't be cheap but it will be way cheaper than 700 a month.

alias no.9

msg11 wrote: »

The basic point I was making, really was that, its a typical Ireland thing really, charge as high as you can it that type of car and that type of person.

Typical ireland, eh?

For the laugh I entered the details of a fictional 17 year old male on the Norwich Union UK website, them being a sister company to Hiberinan. I gave this fictional 17 year old the benefit of a recently aquired full license and gave the car the best security possible, cat 1 alarm, immobiliser and tracker in addition to being kept in a locked garage and even made this 17 year old a policeman by profession with a low annual mileage of 5k.
They wouldn't quote for the business but gave a link to anther website that you could transfer the details to which searched 18 additional companies. Only one would quote; a whopping £11,859.75 (~€15,800) from a company called sabre. An installment plan is available that would require 20% up front and 10 equal monthly installments at 23.5% APR so nearly £2,400 (~€3,200) up front and monthly payments of nearly £1,000 (~€1,330), except you must be 18 to avail of that.

It sounds to me like you were offered a much better deal here in typical ireland.

BnA

unkel wrote: »

Ask your dad to deposit the money on a savings account. In a few years time (with say 3 or 4 years NCB and a full license) you'll be able to buy a nice car with it and get affordable insurance. And you'll still only be 20 or so!

Hey. That was my idea first. I just took too long to write it.

unkel

Lol

AntiVirus

unkel wrote: »

Ask your dad to deposit the money on a savings account. In a few years time (with say 3 or 4 years NCB and a full license) you'll be able to buy a nice car with it and get affordable insurance. And you'll still only be 20 or so!

That's your best option to be honest. Your insurance is going to be more expensive on any car than some one who is in there 20's with 3/4 years NCB.

antodeco

I wanted a car for years, but could never afford one. Eventually paid 6k for a car in 2004. insurance was 3.5k! My insurances was 55% of the value of the car. It was only a 1l car, but I really enjoyed it.
The benefit of a 1l car is, you can really feel a power (or lack of) in an engine. I had some scary moments in the car, and was thankful for less power. It helps you respect the power that is underfoot. I moved onto more powerful cars after gaining more experience. Again, I always compare it to my first 1l. If I had some close shaves in a lot less power, I know that in a higher power, the chances greatly increase.
The Teg5 is a fantastic car. I love it, but you can easily lose the control of it. If you are moving to a RWD, get a lot less power. The difference in control of a RWD is amazingly different from a FWD.

Kimbot

OP, A Type R is a weapon.
I drive one alot and even I am cautious driving it. Its categorised as a sports car and that is why your insurance is high on it.
I would suggest getting something like a Levin/Corolla GT coupe (Which are 1. but still decent power) and then build your way up to a Type R after a few years.

TwoShedsJackson

Young men aged 17-26 are six times more likely to have an accident resulting in a claim whilst driving. That's why you're being screwed, because that's how insurance works.

mike65

Kids these days. The very notion of my dad dropping a car into my lap when I was 17 is daft (I used my mums Fiat 127!) the idea he would think it right and proper to award his son with a 200 bhp machine is laughable. I'm actually a bit annoyed your dad apparently has such bad judgment.

Get a 2/3 grand 1.2 shopping trolley learn to drive (as opposed to merely passing a test) get a decent NCB and then ask you old man for a car that you desire. He can get some interest on the money in the meantime.

Mike.

tinkerbell

OP there is no way you can expect to get a remotely cheap quote at your age with such a high powered car. My other half paid nearly €5,000 on his car when he was around 22 and that was a 1.1L 206! He didn't have full license but at 22 and only a 1.1L that quote was complete extorsion. Oh and only Quinn would insure him.

So I can't stand it when I hear someone who is 5 years younger complaining about a high quote on a car much higher powered when my other half got completely screwed over and is the safest driver I know. Just get a smaller car and be able to get insured for a few thousand rather than over €8,000. I mean everyone has to start off with a low powered car to build up their no claims bonus. Sorry but it's just completely unrealistic.

kona

eringobragh wrote: »

x2

sure not long ago a Roscommon lad same age killed himself and a passenger in his jordan civic and that was a 1.4!!

now in fairness a jordan civic is a tuned 1.6 V-tec they are **** quick.
i know sombody who got the engine out of that:eek:

OP im payin 2 grand on a 91 mini, which i payed for myself after saving my ass off for 4 years.

why dont you just buy a regular integra from japan, stick a set of recaros in it, paint the callipers, and stick a type R badge on it???

or get your dad (or your ma...even better)to insure the type R then put you as named driver.

being honest aside from the cost, you will attract cops to you like flies to ****.
and you will get no sympathy from them, it happens to guys in work with SIR civics and Mivec lancers INTEGRA TYPE R, Altezzas, they get pulled on anything.

Atomic Pineapple

unkel wrote: »

Ask your dad to deposit the money on a savings account. In a few years time (with say 3 or 4 years NCB and a full license) you'll be able to buy a nice car with it and get affordable insurance. And you'll still only be 20 or so!

great idea

ronoc wrote: »

Do what half the country is doing. Get your da to insure the type R under his own name.

Buy a cheap low insurance rated car like a punto or clio and get insured on that in your name. Most policies will allow you to drive other cars, ie the type R. It still won't be cheap but it will be way cheaper than 700 a month.

thats ridicolous, you wont be properly insured in the type r as i assume you'd be the main driver but if in an accident the insurance found out about it they'd use it as an excuse not to pay.

Giving a Type r to a 17 year old is just plain stupid, a car that powerfull in inexperienced hands is just lethal, it the op appreciatted the power of the car he'd have enough common sense to drive a less powerfull car for a couple of years to get experience at driving

wil

msg11 wrote: »

Got a quote of 700euros per month from Hibernian, she said its cause I am 17 etc....

DEVASTATED...
...

What Hibernian were trying to tell you was "Get a life",
literally.

ianobrien

A friend of mine had an Integra type R for a while, but sold it as the parts were too expensive. A lot of the mechanical parts on the Type R's back then were made in very small amounts, and as a result, parts are now expensive (he paid €300 for brake discs two years ago!)

The ITR also scared him, and he can drive (he got driving lessons from Prodrive. In the end, he was doing 125mph four wheel drifts in a STI impreza on dry tarmac!). The car was also quicker than his Rally Car, and was a handful when moving on back roads.

I drove the car for 400 yards, stopped and walked back, I scared myself so much!

Turbulent Bill

TwoShedsJackson wrote: »

Young men aged 17-26 are six times more likely to have an accident resulting in a claim whilst driving. That's why you're being screwed, because that's how insurance works.

This is exactly it. You're statistically much more likely to claim (or to have a large claim) because of your age and lack of experience, and this is increased again by having a high-performance car which is valuable and a target for thieves. It's not personal or Irish, just basic underwriting.

draffodx

draffodx wrote: »

great idea



thats ridicolous, you wont be properly insured in the type r as i assume you'd be the main driver but if in an accident the insurance found out about it they'd use it as an excuse not to pay.

It may be stupid but its perfectly legal. If the policy covers driving other peoples cars with their permission then he will be covered as long as its not his car and he has permission.

Giving a Type r to a 17 year old is just plain stupid, a car that powerfull in inexperienced hands is just lethal, it the op appreciatted the power of the car he'd have enough common sense to drive a less powerfull car for a couple of years to get experience at driving

Perhaps but we don't know what sort of driver he is. With some good training he could be perfectly fine behind the wheel in a few months.
Perhaps not the best idea to start learning in a Teg though!

Atomic Pineapple

ronoc wrote: »

It may be stupid but its perfectly legal. If the policy covers driving other peoples cars with their permission then he will be covered as long as its not his car and he has permission.

its perfectly legal if your honestly only goin to drive the car your not fully insured with on occasion, the OP will simply be using it as a loophole to allow him to drive the teg, Insurance companies are getting much more aware of the loophole and would definately be suspicious of a 17 named driver on a teg type r.

ronoc wrote: »

Perhaps but we don't know what sort of driver he is. With some good training he could be perfectly fine behind the wheel in a few months.
Perhaps not the best idea to start learning in a Teg though!

True but the OP hasn't stated any professional training that he may have recieved and I know what i was like driving a car at 17 and it was only a 1.25cc fiesta, the most mature way to do it is buy the car not but buy another sensible car aswell, build up your experience and ncb until your ready for the teg. I drive one and its way too powerfull for a 17 year old to be driving.

draffodx

draffodx wrote: »

its perfectly legal if your honestly only goin to drive the car your not fully insured with on occasion, the OP will simply be using it as a loophole to allow him to drive the teg, Insurance companies are getting much more aware of the loophole and would definately be suspicious of a 17 named driver on a teg type r..

You have totally misunderstood me. He would be the primary named driver on another car. He would not be named on the Integra's policy. That would be in say his father's name.

By vitue of having your own policy he could drive any other car that he does not own with the owners permission. In this case "his dads" Integra.
True, it sometimes states that the car in his policy must be the primary vehicle but I have not heard of anyone ever getting caught out by that clause. This practice is very wipespread.

msg11

PaulKK wrote: »

In fairness OP i cant see why your complaining... you want to get insured on a pretty high performance car at the minimum age for driving, without ever having shown any previous competancy of being able to drive.

TBH I don't honestly think you have the right to complain.

You also state that you had a crash before, I don't know if you were driving but if you were it was in the Integra I presume?

I don't want to attack you here, but maybe the 1.6 integra should have given you enough warning to build up expeiance for a few years.

I suggest you wait a few years, pass your test and build up your NCB. THat way you'll be able to insure a nice car reasonably and be able to enjoy it.

I have you know, my Integra is sitting in the garden outside. I have one years NCB coming up, so thats a start, for these people saying I cant drive, how can you say that? You don't even know me.

Wossack wrote: »

Id be devasted too if daddy was buying me a car and he cheeped out on getting me the insurance too

what an awful situation to be in... my heart goes out to you

Whats your point mate ? My heart goes out to you too.

draffodx wrote: »

I'm 24 with a full licence 4 years, 3 years no claims bonus and paying €1300 on a euro model integra type r, and i had trouble getting insurance, i'm afraid at your age getting insurance on such a car is just unrealistic

Thanks for your input draffodx, at leased I know that it is out there after a few years which I dont mind waiting.

javaboy wrote: »

If Daddy is buying you the car of your choice, get yourself a nice Lexus/Porsche/Lambo (I'm assuming Veyron is out of his budget) etc.

Leave it sitting in the drive for a few years while you drive a micra and build up your no claims

Think people are getting the wrong idea here.. My father just came into a bit of money nothing too much, just said i'll buy you a car. I was thinking of leaving it in the garden, which is a bit pointless in the end. Once again, I WILL WAIT.

lightening wrote: »

Your not cocky? Why don't you call the insurance company and tell them you know you wont crash.

Look msg, your lucky your dad is spending his cash on a car for you, at 17 having a car is amazing.

Because I don't think they would care, too be honest with you, I think you would start getting a bit cocky in this thread if you where me. People just slating me cause I was thinking about getting a high performance car the legal way, oh look what happens, usual **** from this contry, do something right, sure that's wrong isn't it. And who going to stop one of uses crashing into me ? (and yes that was a pun, I know some of the people in this thread couldn't do that there cars wont let them.

And here mate, I bought my own car twice. He offered it as good gesture to me.

Biro wrote: »

The Jordan Civic is a 1.6, with 160bhp... his mother bought it for him, cause the 1.4 civic he had before it (that she also bought for him) wasn't quick enough.
That kind of supports everyone's opinion here, and rightly so.
OP, I had to wait till I was 22 before I had saved enough for my first car, and at that I was charged IR£2,000 for the year TPF&T (on a 1.4). The following year it went up to €2,800 (about IR£2,500) because of September 11th. You think you're hard done by? Try getting ripped off because of stupid muslim terrorist incident 3000 miles away.
I had to wait till I was 25 till I got insured in something even remotely decent. I bloody well appreciated it when I got it. I've absolute zero sympathy for you, sorry.

I don't expect you too have sympathy for me, People are misreading the thread, the whole point of the thread was, how insurance company's can rip people off, and some people here think there on a great deal. That's my point.

alias no.9 is typical IRELAND, you make me laugh, trying to deny how much a rip of this country is, hardly here nor there in this thread to be honest.

CAN WE JUST CLEAR ONE OTHER THING UP... I AM CURRENTLY DRIVING NEAR 1 YEAR. I HAVE A SMALL CAR... PEOPLE ARE UNDER THE IMPRESSION I AM JUST JUMPING IN A TYPE R with not one bit of experience, which is not the CASE.

Anyway, to close the thread, I am going to wait a few years to build up the NCB, get the full license and then see if I still want the car, which I doubt, with rising petrol and the new tax band.

Thanks for everyone how put some positive feed back in, as for the others get over yourself.

Barlow07

msg11 wrote: »

Also, I have my first 1 years no claims coming up and my full license test is soon, which I know I will pass.

Even if you pass your test, the fact your 17 is the problem and the reason a insurance company wont give you a quote or insure you. I would suggest you try again in 9yrs.

miju

people aren't saying you can't drive. they are saying the car is too powerful for an inexperienced 17 year old driver on a provisional license. thats also what the insurance company is telling you too

E92

The moral of the story here is do your homework before getting something you find you can't afford to get insured on.

As others have said, why not be just a name driver?

msg11

E92 wrote: »

The moral of the story here is do your homework before getting something you find you can't afford to get insured on.

As others have said, why not be just a name driver?

Thats the moral of the story, make sure you can get a decent quote, its what I learnt.

Not even going to bother with name driver, I'll just wait till I am older.