'Drive Home' Car insurance

Matthew_drog

Hello, I'm new to the forum so don't slag me if I chose a wrong board to put this thread in, I thought this was the most appropriate.

Basicly Im going to see a car tomorrow which I might buy but it's about 40 miles away from the place where I live so I have to get home some way, is there a company that would provide a 'drive home' insurance for that little journey?

Also what company is the most suitable to get insurance for a young male driver on provisional? Im 17, buying a 1.0l Polo and Ill probably insure it on my Mum's name and add me in as a named driver, in hibernian it would come up as 1850 euro per year, have you got any other suggestions to make it cheaper??

Thanks

Presumably you will have a Fully Qualified driver with you? if so, and they have fully comprehensive cover on another car, they can most probably drive your car home with third party cover.

Delta Kilo

Ring any of the insurance companies from your mobile and insure the car for the rest of the day if you buy it. You will need a credit card number to do this though. Shouldn't cost more than €50. Are you going alone? If so, I would advise against it. Do you know anyone who is a mechanic or knows a lot about cars and can drive a hard bargain? Bring them with you because a 17 year old is like a dealers wet-dream, second only to a woman. Plus they can drive it home for you.

Get the car checked out by someone first because at 17, you want something that will start and go.

As regards your insurance, I would also advise against insuring the car in your mothers name with you as a named driver. It might seem cheaper but in the long run it could end up costing you more. Take a deep swallow and insure the car 3rd party IN YOUR OWN NAME. As far as I know it is illegal to do what you suggested. The insurance co. would not pay up if they found out and, believe me, they will!

Secondly, if (god forbid) you did happen to be involved in an accident your mother would lose her no claims bonus!

Thirdly, you want to build up your own no claims bonus! Last year, at 17, I bought a car and insured it in my own name. It was a VW Golf 1.9 TDI. It cost a shade over 2k to insure with a provisional. This is with Quinn (prob the cheapest for younger drivers). When I passed my test i got back ~€300. My insurance renewal came out the other day and with 1 years no claims I make a saving of €468.79.

At 22, I will have a full NCB. It is worth it in the end to take out your own policy.

jhegarty

Deleted User wrote: »

Presumably you will have a Fully Qualified driver with you? if so, and they have fully comprehensive cover on another car, they can most probably drive your car home with third party cover.

Driving other cars usually requires that the other car is already insured.

Alanstrainor

Moved from learning to drive, the motors lads/lasses will be able to answer your questions.

jhegarty

jhegarty wrote: »

Driving other cars usually requires that the other car is already insured.

no actually, I thought that too but when I bought my mam a car last year I rang to transfer my insurance and was told that I didn't need to as long as I had fully comp insurance the car didn't need to be insured.

Matthew_drog

I'll be there with my parent's my dad is a professional mechanic, I feel good with it as well, anyway. I checked with quinn and the online quote said they cant offer me 1 so i have to ring them, I thought i rang them before and they said about 3 grand. or something, we will see, but in fact if I only had to pay like 300 euro more per year, I will take it on my own name.

DanGerMus

Deleted User wrote: »

no actually, I thought that too but when I bought my mam a car last year I rang to transfer my insurance and was told that I didn't need to as long as I had fully comp insurance the car didn't need to be insured.

This depends on the insurer/policy. it will be outlined in the policy. Mine needs the other car to be insured but i know other people that dont.

OP have you gotten quotes for you by yourself and you on your mothers name. Does your mother have her own car if so she won't be able to use her NCB on a second car.

DanGerMus

I think if you must bring it back tomorrow let your dad drive it i'm assuming he has trade insurance so can drive anything and also that your mother can drive what ever you got there in. Then ring arund and try to find the cheapest insurance you can.

My best advice to you though would be to get loads of lessons over a few months and pass your test ASAP and then get your own car.

Delta Kilo

Matthew_drog wrote: »

I'll be there with my parent's my dad is a professional mechanic, I feel good with it as well, anyway. I checked with quinn and the online quote said they cant offer me 1 so i have to ring them, I thought i rang them before and they said about 3 grand. or something, we will see, but in fact if I only had to pay like 300 euro more per year, I will take it on my own name.

Ya insurance quotes seem to have gone up alright. I know a lad that paid 2,700 to insure a 1.4 corolla, 00. That was with quinn. I would still recommend your own policy. Can you not get insured on your Dads/mams car until you pass the test?

If you were to crash, and the insurance co. found out that the policy holder was not the car owner/usual driver of the car they would refuse to pay up. They would look for any excuse not to pay up!

Matthew_drog

I was insured on my parents passat but only for a month, I got borred cuz they were at work most of the day so I couldnt drive it anyway, I have a moped for my own which I will probably sell after I get my car but the moped is a bit borring as well. I will try the quinn direct cuz as ur saying the NCB doesnt count for a second car. We'll see everything 2morrow. ok lads, im going to bed now, work tomorrow at 7:30, good luck and thanks for all the info.

ironclaw

Matthew_drog wrote: »

Ill probably insure it on my Mum's name and add me in as a named driver,

I'm almost sure you can't do that if your Mum is already on a named policy as the named driver. Its partly so we can't circumvent that huge fee's that us lad's gotta pay

Plus by law your mum would then have to be the primary driver. While hard to prove, insurance companies will nearly always win in court if it goes that far and they would instantly win if they could prove you were the actual full time driver and not your mum.

Richie15

Deleted User wrote: »

no actually, I thought that too but when I bought my mam a car last year I rang to transfer my insurance and was told that I didn't need to as long as I had fully comp insurance the car didn't need to be insured.

My company (Quinn Direct) said I didn't even need to be fully comp.

J.S. Pill

If you just want to get the car home, the best thing to do would be to get one of your parents to ring their insurance company and do a temporary substitution from their car on to your new car for however long they need to drive it home. If they have comp on their policy then the comp insurance is transferred over to your car while they're driving it for the time period specified. Temporary substitutions are free with a lot of insurance companies (brokers may charge a small fee) so this may be the cheapest and safest way of going about this.

I think if you must bring it back tomorrow let your dad drive it i'm assuming he has trade insurance so can drive anything and also that your mother can drive what ever you got there in. Then ring arund and try to find the cheapest insurance you can.

Might not be such a good idea to use the trade policy for this purpose. He's not driving that car in connection with the repair or maintenance of this car so trouble could arise in the event of a claim. Also, he may have driving of other cars restricted on his own private car policy owing to his occupation. Just something to be aware of.

Trust me, I work in insurance

J.S. Pill

Richie15 wrote: »

My company (Quinn Direct) said I didn't even need to be fully comp.

If you're talking about DOC then comp isn't needed. For most companies you need a full EU licence and you need to be the main driver on the policy