No one will insure me!

D/C

Ok so the story is im 25 and I only started to learn how to drive 6 months ago! I've been a named driver on my parents policy for that time! Ive had tons of lessons and im due to sit my test in 2 weeks!

The problem is that I've found the car I want to buy, its a VW Golf 1.4 tsi, with a dsg gearbox! I have my heart set on it and can get it for a good price! However, have been ringing around some of the insurance companies and they are not willing to cover me! Really annoying the head of me!

So does anyone know of any insurance companies that are willing to cover less experienced drivers or is there another way round this problem? i.e. get my parents to insure the car and be a named driver on that. What would I have to do in that instance?

EPM

Well getting insured under a parent is a bad isea for a start. Not legal either if you are the owner/user. TBH, you're driving for 6 months with a provisional license and you want to buy a powerful-ish car. Maybe set your sights a little bit lower. Is it the 122bhp version? No disrespect to you personally, but inexperienced drivers in powerful cars tend to have a habit of hurting themselves and others

Drummerboy08

You would have to have the car in the Insured's name i.e. your mam or dad.

But i agree with EPM, set your sights on something not as powerful. You'll appreciate not learning about the inner workings of a tree forest.

alexmcred

I have the 140 TSI golf and they have a fairly high insurance risk rating according to all the brokers I rang when looking for insurance. You may need to lower your expectations car wise.

D/C

Its actually 170bph! I know what your saying and I appeciate it, but its a very nice car and alot of extras including a dsg gearbox, kinda have my heart set on it, but I may have to rethink my decision!

To be honest im not a boy racer, im 25 and have a respect for speed limits and the rules of the road, but there are many people out there that don't so I can understand where you are coming from! thanks

Drummerboy08

170bhp??!:eek: Now i can understand why they wont insure you! You age doesnt matter - you have no experience and no full licence. I'll edit my last post accordingly...;)

robtri

D/C wrote: »

Its actually 170bph! I know what your saying and I appeciate it, but its a very nice car and alot of extras including a dsg gearbox, kinda have my heart set on it, but I may have to rethink my decision!

To be honest im not a boy racer, im 25 and have a respect for speed limits and the rules of the road, but there are many people out there that don't so I can understand where you are coming from! thanks

doesn't matter who you are, you fall into a very high risk catagory and as such, a lot of insurance companies aren't willing to take the risk.

get a cheap car, build up exp. and ncb in your own name and then get the car you want... at 25 I would say after a year you should be able to get a quote...

Mr Benevolent

Not a good idea to drive a 140bhp car with only six months of experience.

(Theoretically someone must insure you, but you need three WRITTEN quotes sent to Insurance Federation. Then they'll quote you. About €3,500.)

mike65

God be with the days when a kids ambition was a 1.3 Ford Fiesta.

Get real OP.

BlackWizard

The OP isn't a kid mike65. But he is a learner driver so maybe a 170BHP sports car is a bit much.

dohc

20 insure on a jap ep3 type r 220 bhp where theres a will theres a way

AAARON

my gf couldnt get insured she had 4 crashes and they were all her own fault she used a friends address in cavan and got insured on that for 2400e a year .. if you knw any1 there id try that mate

Pedro K

EPM wrote: »

Well getting insured under a parent is a bad isea for a start. Not legal either if you are the owner/user.

It is legal.

And I'd tend to agree with the other posts in this section.

170bhp is quite powerful, especially considering the small amount of driving experience.
Would be much less hassle to start off on something smaller

mike65

BlackWizard wrote: »

The OP isn't a kid mike65. But he is a learner driver so maybe a 170BHP sports car is a bit much.

He's 25 - Thats young for me! Anyone on a learners licence looking to insure any even vaguely fancy dan machinery is destined for disapointment. He even appears to be presuming he'll pass his test which is a bit foolish.

EPM

AAARON wrote: »

my gf couldnt get insured she had 4 crashes and they were all her own fault she used a friends address in cavan and got insured on that for 2400e a year .. if you knw any1 there id try that mate

Living in Cavan will get you a quote on a 170 brake car with a provisional license? OP, if you crash it 4 times that Veyron could be closer than you think!

EPM

Pedro K wrote: »

It is legal.

And I'd tend to agree with the other posts in this section.

170bhp is quite powerful, especially considering the small amount of driving experience.
Would be much less hassle to start off on something smaller

I thought it wasn't allowed getting your car insured by someone else and then being named as a named driver on the policy

D/C

Drummerboy08 wrote: »

You would have to have the car in the Insured's name i.e. your mam or dad.

But i agree with EPM, set your sights on something not as powerful. You'll appreciate not learning about the inner workings of a tree forest.

Nice edit, made me laugh!

Yeah I guess you guys are right, suppose I'll have to look elsewhere! Golf 1.4 comfortline, or a GT or maybe a nice focus!

Gutted but sure its better than been half way up a tree in a forest!

Pedro K

EPM wrote: »

I thought it wasn't allowed getting your car insured by someone else and then being named as a named driver on the policy

Na It's allowed.

A friend of mine has been driving 13 years now (full license for about 12 and a half of those) and has never had his own policy.

Then my mam used to go on my dads policy for years on her own car until she got her own policy.

mike65

mike65 wrote: »

God be with the days when a kids ambition was a 1.3 Ford Fiesta.

Get real OP.

he's 25.

EPM

Pedro K wrote: »

Na It's allowed.

A friend of mine has been driving 13 years now (full license for about 12 and a half of those) and has never had his own policy.

Then my mam used to go on my dads policy for years on her own car until she got her own policy.

I always thought the difference was being a named driver under someone else on your own car for the purposes of getting cheaper insurance.

S.I.R

D/C wrote: »

Ok so the story is im 25 and I only started to learn how to drive 6 months ago! I've been a named driver on my parents policy for that time! Ive had tons of lessons and im due to sit my test in 2 weeks!

The problem is that I've found the car I want to buy, its a VW Golf 1.4 tsi, with a dsg gearbox! I have my heart set on it and can get it for a good price! However, have been ringing around some of the insurance companies and they are not willing to cover me! Really annoying the head of me!

So does anyone know of any insurance companies that are willing to cover less experienced drivers or is there another way round this problem? i.e. get my parents to insure the car and be a named driver on that. What would I have to do in that instance?

im 17 im a provo and got offers straight away so a tsi should be easy...


tryed with too high a milage as legally i could only do upto 15k miles per year...

try axa... not the cheapest but anyone can get their cover...

would you try getting a friend to get it company insured ?

klaus23

BlackWizard wrote: »

But he is a learner driver so maybe a 170BHP sports car is a bit much.

It might be classed as a 'sports' car in somewhere like Bosnia, but not here.

zilog_jones

EPM wrote: »

I thought it wasn't allowed getting your car insured by someone else and then being named as a named driver on the policy

It is allowed, but you're not exactly being honest to your insurers if you're a named driver when it's really your own car and you're the only one who really drives it. If they found out the truth then you'd be screwed, but I don't see them finding out that easily - maybe if you ended up in court or something they'd be more interested in investigating the legitimacy of your policy...

When I started driving I had no choice but to get my own insurance, but between getting a full license and 2 years of experience/NCB my insurance went from €2300 TPFT to €900 fully comp, and that's for 60bhp not 170! :eek:

Cabaal

Downgrade the powerr of the car your getting, get your full license then upgrade to the car you want once they'll insure you for it

problem sorted

Eoin

klaus23 wrote: »

It might be classed as a 'sports' car in somewhere like Bosnia, but not here.

It's still a lot of car for a complete beginner.

Saruman

klaus23 wrote: »

It might be classed as a 'sports' car in somewhere like Bosnia, but not here.

Quinn direct would not Insure my wife on my car as it was classified as a sports car. I walked in with cancellation papers and they changed their mind (I left them once it was up). It did not even cost anything, not that it matters as she never drives.

The car? A 1.6L *Automatic* Renault Scenic :P
It was crazy, Its the Dynamique version so is over 110bhp and that to them was a sports car.
Craziness, So I can see how a 170bhp car is going to be seen as a Sports car.

OP instead of trying direct, have you tried a broker?
I find britton insurance in Donegal to be excellent. They insure me through Allianz.

On another note OP. It would probably not be the best Idea learning to drive with a DSG box as I presume its classed as an auto for test purposes and if you pass the test in an auto you do not get a license for driving manual cars. You could use a different car for the test but its much better to do the test in a car(and transmission) that you are used to driving.

Pedro K

zilog_jones wrote: »

It is allowed, but you're not exactly being honest to your insurers if you're a named driver when it's really your own car and you're the only one who really drives it. If they found out the truth then you'd be screwed, but I don't see them finding out that easily - maybe if you ended up in court or something they'd be more interested in investigating the legitimacy of your policy...

One of the principles of insurance is utmost good faith. Every policy is taken out on this basis.

Most companies will (or perhaps should) ask "are you the registered owner of the car? If not, who is?"

So I could get a car that I don't own and have somebody as a named driver on it.


However. The issue would lie in insurable interest. As in you have to suffer a loss as a result of an incident happening. ie. you can't insure your neighbours car and take a pay off when s/he dings it.

But if it's a parent, with a child as a named driver on the car, it doesn't matter. They would clarify that from the start, identify the relationship between named driver and policy holder, put the named driver on the policy. And from that moment on the named driver is insured. End of scéal.

No laws broken, no principles of insurance broken.

That would be my take on the matter anyway..

Keith C

Pedro K wrote: »

One of the principles of insurance is utmost good faith. Every policy is taken out on this basis.

Most companies will (or perhaps should) ask "are you the registered owner of the car? If not, who is?"

So I could get a car that I don't own and have somebody as a named driver on it.


However. The issue would lie in insurable interest. As in you have to suffer a loss as a result of an incident happening. ie. you can't insure your neighbours car and take a pay off when s/he dings it.

But if it's a parent, with a child as a named driver on the car, it doesn't matter. They would clarify that from the start, identify the relationship between named driver and policy holder, put the named driver on the policy. And from that moment on the named driver is insured. End of scéal.

No laws broken, no principles of insurance broken.



That would be my take on the matter anyway..

Not quite sure what your getting at here, whoever the car is registered to must have the insurance in their name & can add named driver thereafter.
If I own a car, i cant get a parent to take out insurance in their name for it, as they dont have an insurable interest, then put myself as a named driver to avail of cheaper insurance.

maybe i read your post wrong

NiSmO

This post has been deleted.

Alanstrainor

Keenan Clever Hairpin wrote: »

On another note OP. It would probably not be the best Idea learning to drive with a DSG box as I presume its classed as an auto for test purposes and if you pass the test in an auto you do not get a license for driving manual cars. You could use a different car for the test but its much better to do the test in a car(and transmission) that you are used to driving.

Yes it would be classed as an automatic, so if you passed your test in a car with a DSG gearbox you'd get a restricted license only allowing you to drive automatic cars. The car would be required to have a clutch pedal to be considered manual.

Tony Broke

Alanstrainor wrote: »

Yes it would be classed as an automatic, so if you passed your test in a car with a DSG gearbox you'd get a restricted license only allowing you to drive automatic cars. The car would be required to have a clutch pedal to be considered manual.

Its suppose to be a dodgy engine as well, they have stopped producing them @170bhp.DSG is excellent if you drive alot or spend lots of time in traffic, as a manual can get frustrating very quickly.If your only a learner then its pointless.

Keith C

NiSmO wrote: »

This post has been deleted.

Sure why not buy something in excess of 200 bhp, i mean if you tell them you bought it already, they're bound to insure you...... classic

polkadott

bhp,dsg,tsi..blah blah blah!!the story is there is no way around it i work for insurance company and the reason theyr not insuring you is because the risk is waaay too high and unfortunetly, insurance companies dont give a sh*t whether you have the car parked with a big bow on top with your name on it they wont insure you if you dont meet the underwriting criteria...

and come on,do u think we havnt herd every trick in the book regarding saying ur mams the main driver and you want to be named..regardless u still dont meet the criteria to be on the car no matter what way its done..

however, there is a company by the name of mike murphy insurance brokers who take on higher risk cars theyr your best best and if they say no your a gonner

NiSmO

This post has been deleted.

D/C

Ok OP here,

I've pretty much come to the conclusion that this is probally not the car for me, price is nice but could leave me a bit streched!

I've been looking around locally and got a price of €14,500 for a 2007 1.4 golf sport or there is a nice 3 door 2008 1.4 golf in comiskeys in Dundalk should get him down a grand or so on that one!

http://www.carzone.ie/search/Volkswagen/Golf/1.4-3dr./200844190677246/advert

Seem more realistic options, although im told fbd might be the best place to try for insurance on the orginal car!

polkadott

it doesnt work i work for axa on the sales team...if you bought the car without checking a price of insurance well thats your fault.

d/c-did you see my message???mike murphys brokers??

D/C

polkadott wrote: »

it doesnt work i work for axa on the sales team...if you bought the car without checking a price of insurance well thats your fault.

d/c-did you see my message???mike murphys brokers??

Yeah thanks for that, you seem to be a man in the know so I take your word for it and realise even if I did get quoted it would be very very high!

What I will probally do is get my test done and fingers crossed I pass, then get quoted on one of those two cars I mentioned earlier, get a couple of years under my belt, put the savings away and see if there are any good deals around then!

shqipshume

D/C wrote: »

Ok so the story is im 25 and I only started to learn how to drive 6 months ago! I've been a named driver on my parents policy for that time! Ive had tons of lessons and im due to sit my test in 2 weeks!

The problem is that I've found the car I want to buy, its a VW Golf 1.4 tsi, with a dsg gearbox! I have my heart set on it and can get it for a good price! However, have been ringing around some of the insurance companies and they are not willing to cover me! Really annoying the head of me!

So does anyone know of any insurance companies that are willing to cover less experienced drivers or is there another way round this problem? i.e. get my parents to insure the car and be a named driver on that. What would I have to do in that instance?

Tesco car insurance i got and my first car never been insured before and great prices

Tony Broke

D/C wrote: »

Ok OP here,

I've pretty much come to the conclusion that this is probally not the car for me, price is nice but could leave me a bit streched!

I've been looking around locally and got a price of €14,500 for a 2007 1.4 golf sport or there is a nice 3 door 2008 1.4 golf in comiskeys in Dundalk should get him down a grand or so on that one!

http://www.carzone.ie/search/Volkswagen/Golf/1.4-3dr./200844190677246/advert

Seem more realistic options, although im told fbd might be the best place to try for insurance on the orginal car!

Nice motor, but that 1.4 is dead to the world.Its crazy spending that amount on a motor that is beat by a 92 micra for power ( power to weight ratio )

Spend 3k on a decent yoke, build up a year or two of no claims, get a full licence and then go and get yourself a 220bhp Golf gti.My choice would be the 240bhp AWD Mitsubishi Lancer Ralliart.

http://www.popularmechanics.com/blogs/automotive_news/4269562.html

EPM

Tony Broke wrote: »

Nice motor, but that 1.4 is dead to the world.Its crazy spending that amount on a motor that is beat by a 92 micra for power ( power to weight ratio )

Spend 3k on a decent yoke, build up a year or two of no claims, get a full licence and then go and get yourself a 220bhp Golf gti.My choice would be the 240bhp AWD Mitsubishi Lancer Ralliart.

http://www.popularmechanics.com/blogs/automotive_news/4269562.html

+1

It would be madness spending a nice chunk of money on a 07 car and putting dents in it as you learn.

A year in something cheaper will teach a lot and you'll build up some NCB. Also, I wouldn't go near the 80bhp 1.4 in the Golf. Can be troublesome. You could get a diesel from the UK comfortably for that money. Or the 1.6 FSi is another good one

niamh.brady

Pedro K wrote: »

Na It's allowed.

A friend of mine has been driving 13 years now (full license for about 12 and a half of those) and has never had his own policy.

Then my mam used to go on my dads policy for years on her own car until she got her own policy.

Hi Pedro K,

It is 100% not allowed to own a car and to insure it in a parent's name and if they found out you would have no chance of making a successful claim. I've worked for a few insurance companies and yeah, if they don't know they can do nothing but if they find out a person doesn't own the car they can cancel a policy.

With all insurance you have to have an "insurable risk" in the item you are insuring - ie you have to own it or for some companies, your spouse can own it. It's the same as a tenant trying to get building insurance on a property - you have no right to claim on anything that happens to the building as the landlord owns it not you (you can cover your own contents though).

Anyway, a lot of insurance companies are getting smart to the fact that a mother in her 50s/60s doesn't generally do high power cars and they will load the policy as if it is in the young person's name. A lot of others won't allow anyone with a provisional licence or under 25 onto a high power car - named driver or not.

Hope you get a good deal on another car though OP.

iseethelight

Try looking for a decent 03/04 1.6 focus or golf. Do the hibernian ignition. Get a decent discount on ur insurance and build up the no claims for a couple of years then get that dream car.

I know being sensible sucks:mad:

Pedro K

niamh.brady wrote: »

With all insurance you have to have an "insurable risk" in the item you are insuring - ie you have to own it or for some companies, your spouse can own it. It's the same as a tenant trying to get building insurance on a property - you have no right to claim on anything that happens to the building as the landlord owns it not you (you can cover your own contents though).

Anyway, a lot of insurance companies are getting smart to the fact that a mother in her 50s/60s doesn't generally do high power cars and they will load the policy as if it is in the young person's name. A lot of others won't allow anyone with a provisional licence or under 25 onto a high power car - named driver or not.

Hope you get a good deal on another car though OP.

I knew that about the last paragraph alright. My company does the same. Won't put NDs on certain policies of they are under a certain age.

If your spouse can own it in some instances would the insurance company not establish the relationship between parent and child and think, 'well yeah, There is insurable interest here'?

Where I work, I can look at a policy, and it has a specific part stating whether the Policy Holder is the 'legal owner' of the car.
It also has a main driver y/n question too.

So Theoretically, somebody else could own the car, and put the named driver down on it and declare the Nd the main driver, while the policy still remains in the same name...

I think?

niamh.brady

Pedro K wrote: »

I knew that about the last paragraph alright. My company does the same. Won't put NDs on certain policies of they are under a certain age.

If your spouse can own it in some instances would the insurance company not establish the relationship between parent and child and think, 'well yeah, There is insurable interest here'?

Where I work, I can look at a policy, and it has a specific part stating whether the Policy Holder is the 'legal owner' of the car.
It also has a main driver y/n question too.

So Theoretically, somebody else could own the car, and put the named driver down on it and declare the Nd the main driver, while the policy still remains in the same name...

I think?

Yeah you could put Mrs X down as owner and Mr X junior down as main driver and they can then either refuse it or they will quote but base the price on the main driver - so it goes back to their original rules on whether they will quote for a young/inexperienced driver.

It's a hard situation - I only have my full licence a year now and I am so glad because the premiums are getting ridiculous even if you are over 25 now.

c4cat

AAARON wrote: »

my gf couldnt get insured she had 4 crashes and they were all her own fault she used a friends address in cavan and got insured on that for 2400e a year .. if you knw any1 there id try that mate

4 crashes, how long has she had a license for or did she just find one by luck

guil

polkadott wrote: »

it doesnt work i work for axa on the sales team...if you bought the car without checking a price of insurance well thats your fault.

d/c-did you see my message???mike murphys brokers??

things most have changed then cos thats how i got insured on a wrx impreza when i was 20 with 7 points, bought the car and went up to quinn and showed them the tax book
the lad i bought the car off had to do the same thing

Voodoomelon

I don't know why they aren't at least giving you a big quote, but no quote at all?
I had 5 months driving experience on a provisional and the same 5 months of insurance in my own name on a Polo and switched to a 193bhp 2.8 litre car for an additional €700. Same age as you and all. Quinn are the way to go for drivers with little to no experience.

If they still aren't quoting you, i'd go the route I did and get yourself a reliable heap for six months and then get the car you want.

EDIT: I was 24 at the time.

polkadott

im not a man im a girl!!

polkadott

yeh but quinn direct are dopes like!!they dont care what risk theyr taking on and if you give them the wrong information they just wont pay out on a claim etc

cianclarke

Voodoomelon wrote: »

I don't know why they aren't at least giving you a big quote, but no quote at all?
I had 5 months driving experience on a provisional and the same 5 months of insurance in my own name on a Polo and switched to a 193bhp 2.8 litre car for an additional €700. Same age as you and all. Quinn are the way to go for drivers with little to no experience.

If they still aren't quoting you, i'd go the route I did and get yourself a reliable heap for six months and then get the car you want.

EDIT: I was 24 at the time.

+1 to this, start with quinn and start small - even for a few months. Then buy something you really want - they will quote you. Maybe even /almost/ quote you happy. :-)

@ polkadott - While what you're saying may be true for axa, this isn't the case for all insurance companies - like I've said, I've had quotes on all sorts, at the age of 19 (now 20). There is some hope for young drivers...