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Car Insurance Question

  • 04-10-2009 3:36am
    #1
    konnod321
    Registered Users, Registered Users 2 Posts: 15 ✭


    Hey, This Thread Has To Do With Car Insurance, Sorry If Its In Wrong Place But Moving On:

    Alri, My Dad Has A Car Insurance Policy With FBD Insurers, They Will Let Me On His Insurance On A BMW 1.6, For €980, But I Want To Go On My Own Car, Which Is A 1.0, And Wud Like to Go On My Dads Insurance With It, Only Problem Is, They Wont Open A New Policy On My Car With Me As A Named Driver.
    So I Was Thinkin, Can I Start A Policy For My Dad On Quinn Direct, Even Though He Has A Current Policy With FBD? Or Is There Any Laws With This?

    He Wont Let Me On His Car, Due To Me Being Provisional License Holder, And I Need Low Insurance, As Im Jobless At The Moment:pac:


Comments

  • #2
    **Timbuk2**
    Moderators, Education Moderators, Motoring & Transport Moderators Posts: 7,396 Mod ✭✭✭✭**Timbuk2**


    Firstly, I don't know why you start every word with a capital letter. It makes your post somewhat illegible.

    Secondly, if you're dad was to separate insurance policy for another car, his no-claims bonus wouldn't apply and therefore it wouldn't work out that cheaply.

    If you have you're own car, you'd probably be best to just insure yourself. Yes, it will be very expensive at the start but you'll earn No Claims Bonus (NCB) for each year you have no claims, and then it will become cheaper.

    And contrary to popular belief, insurance does not increase by much once you pass your test. In the eyes of an insurance company, a Provisional Licence holder (PLs are now called Learner Permits) with a few months expierence is almost the same as a full licence holder with no full-licence-expierence, if you know what I mean.

    Also I think some companies, such as Hibernian Aviva, allow you to take an optional curfew, which means that you choose not to drive between the hours of 11pm-6am, but at a reduced premium.


  • #3
    Toots
    Administrators, Business & Finance Moderators, Society & Culture Moderators Posts: 16,957 Admin ✭✭✭✭✭Toots


    Moved to Motors.

    OP, you'd probably get more responses to your post if you didn't use caps for the first letter of every word. As Timbuk2 said, it makes your post very hard to read, and some people would probably just give up before reading it all.

    Re starting a Quinn policy with your dad as the first named driver, AFAIK he needs to be the one who uses the car most frequently. I'm open to correction on this, but if that is the case and you need to make a claim, if Quinn find out the situation it could make things awkward.


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