getting insured

hmf300

hi, im planning on buying a car. im almost about to do my full licence and i will be buying a car in the summer.

vw golf will be the car. ive found one online which suits me perfect, its at a good price and its cheap. i was planning on getting a 1.9tdi model but the car ive found is a gt tdi. would this make must of a difference in insurance costs?

i got a quote on a standard 1.9 tdi and it was 1400e under my mothers name.

can anyone help me get insured for a good reasonable price?

any info welcome

thanks

slimjimmc

For a start, if the car is your property and registered in your name then you must insure it in your own name. Don't expect to be able to insure it under your mother's name, insurance companies wont fall for that.

Only advice I can give about reducing the cost is to shop around, ring or visit various brokers, check various websites. Of course you could always abandon any notions of a Golf and go for something a lot less powerful which will be cheaper to insure.

hmf300

slimjimmc wrote: »

For a start, if the car is your property and registered in your name then you must insure it in your own name. Don't expect to be able to insure it under your mother's name, insurance companies wont fall for that.

Only advice I can give about reducing the cost is to shop around, ring or visit various brokers, check various websites. Of course you could always abandon any notions of a Golf (especially a GTI) and go for something a lot less powerful which will be cheaper to insure.

yes i would have no problem putting the car in my parents name, as for the car. im going to be very picky on the car i drive. ive been driving an 1.7 opel astra with the past year.

Jimbob 83

You are going to have to bite the bullet sooner or later, why not just get insured in your own name on a standard 1.9 tdi ?

Also GT Tdi's are woefully expensive, if you can afford the cost of a fairly new one of these an extra couple of hundred euros to be legitimately insured and earning your own no claims bonus shouldn't be a big deal.

hmf300

Jimbob 83 wrote: »

You are going to have to bite the bullet sooner or later, why not just get insured in your own name on a standard 1.9 tdi ?

Also GT Tdi's are woefully expensive, if you can afford the cost of a fairly new one of these an extra couple of hundred euros to be legitimately insured and earning your own no claims bonus shouldn't be a big deal.

the car i was looking at is one of the cheaper ones around.
they are looking 3-4 thousand on my own name.. the car i was looking at is an 00 vw golf gt tdi. 1500 would buy it. which is good cause most are 2000 and up.

mawk

hmf300 wrote: »

yes i would have no problem putting the car in my parents name, as for the car. im going to be very picky on the car i drive. ive been driving an 1.7 opel astra with the past year.

you'll have no problem getting a policy as a named driver. but should you ever need to claim, they will have right to refuse paying out if they think your mother was not the primary driver. possibly leaving you with a big bill

Jimbob 83

No way it would be 3-4 grand on a full, once you have the full get requoted tbh

coylemj

hmf300 wrote: »

yes i would have no problem putting the car in my parents name

Are you referring to the moral, legal or practical issue?

By 'moral' I mean does your statement above mean that you won't lose any sleep over the issue?

By 'legal', I mean do you think that you will have effective insurance if you get insurance in your mother's name with you as a named driver?

By 'practical', do you mean that you have found an insurance company that will insure the car in your mother's name with you as a named driver? Insurance companies aren't fools, you are going to expect them to issue a policy for a middle-aged or older woman driving a Golf GT who just happens to have a son who recently passed his driving test and wants to 'occasionally' drive the car. They won't be long seeing through that!

hmf300

Jimbob 83 wrote: »

No way it would be 3-4 grand on a full, once you have the full get requoted tbh

nope i tried several companies and they wanted big money for me, on full licence .

who are the cheapest in my situation?

antodeco

3000 in your own name is actually excellent in your own name, for that car. Most insurance companies won't insure certain age groups (I'm assuming you are 'young') on anything 1.8 or above. I paid €3500 on a 998cc Micra!

funnights74

For the insurance side of it try this online site. Based in Ireland and they give very competative quotes.

http://www.getcover.ie/

CiniO

coylemj wrote: »

By 'practical', do you mean that you have found an insurance company that will insure the car in your mother's name with you as a named driver? Insurance companies aren't fools, you are going to expect them to issue a policy for a middle-aged or older woman driving a Golf GT who just happens to have a son who recently passed his driving test and wants to 'occasionally' drive the car. They won't be long seeing through that!

Would it not be up to insurance company to prove that mother wasn't a main driver?
I wonder how would they go about proving it....

I have two cars in family (one is insured by me with my wife as a named driver, other is insured by my wife with me as a named driver).
But in reality we both use both cars, and it's actually impossible to say who is the main driver of which.

Alanstrainor

funnights74 wrote: »

For the insurance side of it try this online site. Based in Ireland and they give very competative quotes.

http://www.getcover.ie/

They quoted me 2 grand for my Polo...ridiculous!

EDIT: and that was only TPFT cover too!

hmf300

once my parent transfer there no claims bonus to that car, they will insure me. otherwise no, they will not

any other cheap companies?

coylemj

CiniO wrote: »

Would it not be up to insurance company to prove that mother wasn't a main driver?
I wonder how would they go about proving it....

I have two cars in family (one is insured by me with my wife as a named driver, other is insured by my wife with me as a named driver).
But in reality we both use both cars, and it's actually impossible to say who is the main driver of which.

Your situation is completely different from the OP's. He is buying the car and will be driving it most of the time. He may lend it to his mother from time to time but it is effectively his car and he will do the vast majority of the driving.

By no stretch of the imagination could his mother be considered the 'main' driver of the proposed car which is what you are declaring if she is the name on the policy.

CiniO

coylemj wrote: »

Your situation is completely different from the OP's. He is buying the car and will be driving it most of the time. He may lend it to his mother from time to time but it is effectively his car and he will do the vast majority of the driving.

By no stretch of the imagination could his mother be considered the 'main' driver of the proposed car which is what you are declaring if she is the name on the policy.

I'm still not sure how would the insurance company prove it.

I was lucky enough that when I was 19 and got my first car, I could register it in both my and my father's name, and therefore insure it on our both namse, causing it to use his NCB which made policy 60% cheaper, and as well start collecting my own NCB.
This wasn't in Ireland though

coylemj

CiniO wrote: »

I'm still not sure how would the insurance company prove it.

If there's a potential claim coming in for a few hundred grand or more you can be sure they will find a way to prove it.

CiniO

coylemj wrote: »

If there's a potential claim coming in for a few hundred grand or more you can be sure they will find a way to prove it.

Maybe they would.. Who knows

Other thing I'm wondering is as well what is the definition of "main driver".

Is it a person using the car most often, or is it a person doing the most of the mileage.

I know in vast majority of cases, that's the same person, but it might be different.
F.E. Person A might be using a car every day for 11 month, and travel total of 8,000 kms over this period, when person B might take a car for the last month for trip over EU and travel 10,000 kms during this month.
Who is the main driver then?

jimgoose

CiniO wrote: »

...Who is the main driver then?

The 45-year-old woman, as opposed to the 17-year-old progeny who is obviously pulling a fast one, verified by the private investigator's evidence.

hmf300

jimgoose wrote: »

The 45-year-old woman, as opposed to the 17-year-old progeny who is obviously pulling a fast one, verified by the private investigator's evidence.

can anyone else name any other companys?

also do ye think there would be much a price difference between a gt tdi and a standard tdi

jimgoose

hmf300 wrote: »

can anyone else name any other companys?

also do ye think there would be much a price difference between a gt tdi and a standard tdi

I couldn't tell you the difference between one diesel Golf and the next - at my age I tend to fall asleep on rollercoasters, never mind the finer points of one bitumen-burner vs. the same model with a bigger turbo, or whatever it is.

But more to the point, have you phoned Quinn/Liberty?

guil

op has your mother got a car at the moment, if she does then she can't use her NCB on a second car. bite the bullet and get a smaller engined car to build up your own NCB
also with the gt-tdi that's so cheap, did you ever hear the saying if it sounds too good to be true

hmf300

guil wrote: »

op has your mother got a car at the moment, if she does then she can't use her NCB on a second car.

also with the gt-tdi that's so cheap, did you ever hear the saying if it sounds too good to be true

she will have to transfer her NCB, also im well educated on cars and my father is a mechanic so we'll be ok.

wonski

hmf300 wrote: »

she will have to transfer her NCB, also im well educated on cars and my father is a mechanic so we'll be ok.

I do understand where you coming from. My first year on 1.1 seicento - 1800E, second year Fiesta 1.3/Bravo 1.2 1000E, Third year Renault Scenic 1.4- 560E. This year - anything really for between 320-500E. You will never get proper insurance quotes unless you had one in your own name. You may save few quids now, but in the long run, you will lose if you want bigger engine in the future.

hmf300

wonski wrote: »

I do understand where you coming from. My first year on 1.1 seicento - 1800E, second year Fiesta 1.3/Bravo 1.2 1000E, Third year Renault Scenic 1.4- 560E. This year - anything really for between 320-500E. You will never get proper insurance quotes unless you had one in your own name. You may save few quids now, but in the long run, you will lose if you want bigger engine in the future.

but sure its madness paying thousands at 18 for insurance! car worth 1500euro and paying 1000-2000 insurance and 660 on tax?

djimi

mawk wrote: »

you'll have no problem getting a policy as a named driver. but should you ever need to claim, they will have right to refuse paying out if they think your mother was not the primary driver. possibly leaving you with a big bill

How often does this actually happen, just out of interest, that an insurer refuses to pay out because they think youre pulling a fast one as a named driver? Most people I know started out driving this way, plenty have had claims of some sort or other, and noone Ive ever heard of had a problem with it.

Further more, does a policy typically state how often a named driver can use the car? If the car is in his mothers name, she holds the policy on it and he is a named driver, then what restrictions do the insurers have on how often he can drive it? I dont remember ever being told that I could only drive x number of miles per month or whatever as a named driver...

Im not saying its the morally right way to go about getting insurance, and its doing the OP absolutely no good whatsoever as they are not building up a NCB so they are only delaying the hit they will inevitably take when they get their own policy, but there are a lot of people jumping on the moral high ground, and I dont see really see why. His mother is prepared to transfer her NCB to this car so it in effect becomes her car. If the OP crashes then they are fully covered the same as if they had their own policy, so what harm are they causing?

djimi

hmf300 wrote: »

but sure its madness paying thousands at 18 for insurance! car worth 1500euro and paying 1000-2000 insurance and 660 on tax?

If youre 18 then what on earth are you expecting if you are trying to get insurance on a 1.9 gt tdi Golf. If you want cheap insurance then get a smaller car. If you want a car like the Golf then expect to pay for it. You have no NCB and you are the highest of high risk insurance categories looking to get insured in a car that screams out "high risk" to insurance companies.

Jimdagym

Op, why do you have to get a 1.9 gold for your first car? I'm all for people spending their own money however they see fit, but you obviously can't afford the insurance. What quotes are you getting for 1.2-1.4's?

jimgoose

djimi wrote: »

How often does...

a) Insurance companies/employees read online forums too.

b) This kind of thing has been going on for a long time - they've figured it out, and you are not as clever as you think you are.

c) Insurance companies will do ANYTHING to wiggle out of a claim. ANYTHING. If there is a hint of underhandedness they WILL find it, and they will use it. These people are professionals.

djimi

jimgoose wrote: »

a) Insurance companies/employees read online forums too.

b) This kind of thing has been going on for a long time - they've figured it out, and you are not as clever as you think you are.

c) Insurance companies will do ANYTHING to wiggle out of a claim. ANYTHING. If there is a hint of underhandedness they WILL find it, and they will use it. These people are professionals.

My point is that on what ground have they to wiggle out of a claim. As a named driver you are legally entitled to drive the car. To the best of my knowledge there is no set criteria for how often a named driver can use the car; Ive never seen it in any policy I have had anyway. So what comeback can the insurers have?

Im just asking out of curiosity.

jimgoose

djimi wrote: »

My point is that on what ground have they to wiggle out of a claim. As a named driver you are legally entitled to drive the car. To the best of my knowledge there is no set criteria for how often a named driver can use the car; Ive never seen it in any policy I have had anyway. So what comeback can the insurers have?

Im just asking out of curiosity.

It is known as "Fronting", it is a criminal offence these days, and can result in prosecution for driving without insurance. It is taken very seriously indeed.

CiniO

jimgoose wrote: »

a) Insurance companies/employees read online forums too.

So what if they can't connect a forum nickname with real person.
I don't think forum admistrators are obliged to disclose such information to insurers.
As well if someone really want's, you don't need to be a geek to be 100% anonymous on any forum, so even KGB won't trace you, not mentioning axa, quinn or similar ;P

jimgoose

CiniO wrote: »

So what if they can't connect a forum nickname with real person.
I don't think forum admistrators are obliged to disclose such information to insurers.
As well if someone really want's, you don't need to be a geek to be 100% anonymous on any forum, so even KGB won't trace you, not mentioning axa, quinn or similar ;P

Good lantherin' Jaysis, I give up.

hmf300

Jimdagym wrote: »

Op, why do you have to get a 1.9 gold for your first car? I'm all for people spending their own money however they see fit, but you obviously can't afford the insurance. What quotes are you getting for 1.2-1.4's?

its the car i want? ive saved my money and can afford a much more expensive car if i like, but this is the car i want and im set on buying that make and model.

guil

hmf300 wrote: »

its the car i want? ive saved my money and can afford a much more expensive car if i like, but this is the car i want and im set on buying that make and model.

so if you could spend the extra money on another car why not spend it on getting insured properly

hmf300

guil wrote: »

so if you could spend the extra money on another car why not spend it on getting insured properly

im trying to get the best quote obviously. insurance is insurance, its far cheaper to go under my parents name than to go on my own and pay double? makes no sence!!
i understand that i could begin building a no claims bonus, but why not wait till im over 20, they target young drivers so its going to be cheaper if im older.

wonski

jimgoose wrote: »

a) Insurance companies/employees read online forums too.

b) This kind of thing has been going on for a long time - they've figured it out, and you are not as clever as you think you are.

c) Insurance companies will do ANYTHING to wiggle out of a claim. ANYTHING. If there is a hint of underhandedness they WILL find it, and they will use it. These people are professionals.

Well, FYI irish insurance business is behind the rest for a while...They use UK model that works fine, with some exceptions.... I honestly believe you can insure car here with whoever has NCB wherever in Europe.
As long as it is not a whiplash you are OK. They can't read f*****g emails, not to mention boards.ie.

jimgoose

wonski wrote: »

Well, FYI irish insurance business is behind the rest for a while...They use UK model that works fine, with some exceptions.... I honestly believe you can insure car here with whoever has NCB wherever in Europe.
As long as it is not a whiplash you are OK. They can't read f*****g emails, not to mention boards.ie.

I have a good friend who is a professional insurance investigator, and he tells stories that would make the hair stand up on the back of your head, even if you're as bald as Duncan Goodhew!

guil

i'll give you a good example, my brother in law recently got his first car and got insured, he's only 18 with a learner permit and got insured from axa for 1800 FC, i was baffled he got it so cheap, fast forward a few weeks and its doubled in price to 3600 because they misundertood him when he gave his DOB and thought he was 28

so waiting till you're 20 to get ins in your own name isn't going to save you a whole lot

Anan1

hmf300 wrote: »

im trying to get the best quote obviously. insurance is insurance, its far cheaper to go under my parents name than to go on my own and pay double? makes no sence!!

Insurance isn't insurance if you lie on the proposal form.

CiniO

Anan1 wrote: »

Insurance isn't insurance if you lie on the proposal form.

The only lie would be about "who is a main driver of the vehicle".

But I asked before in this thread what is a definition of "main driver" and no one could answer

jimgoose

CiniO wrote: »

The only lie would be about "who is a main driver of the vehicle".

But I asked before in this thread what is a definition of "main driver" and no one could answer

I answered. Here we go again: the Main Driver is the driver who isn't the 17-year-old pulling a fast one!

guil

CiniO wrote: »

The only lie would be about "who is a main driver of the vehicle".

But I asked before in this thread what is a definition of "main driver" and no one could answer

what ever answer you get here doesn't mean jack sh!t to any insurance company, ring your insurance company tomorrow and find out;)

CiniO

jimgoose wrote: »

I answered. Here we go again: the Main Driver is the driver who isn't the 17-year-old pulling a fast one!

That's not an answer.


And to be honest - I'm sure there are cases where mother owns a modified civic and it's genuinely her, and she just let's her son to use it from time to time. I can't see anything wrong with it.

Anan1

CiniO wrote: »

The only lie would be about "who is a main driver of the vehicle".

And it's a big one!

CiniO wrote: »

But I asked before in this thread what is a definition of "main driver" and no one could answer

From memory, my own insurer (Aviva) wanted to know that i'd be driving the car more than 50% of the time.

CiniO

guil wrote: »

what ever answer you get here doesn't mean jack sh!t to any insurance company, ring your insurance company tomorrow and find out;)

Buahaha, usual boards.ie answer about insurance.

I'm generally sick of ringing my insurance company, as answers which I always get from their "customer service advisors" are less trustworthy than answers provided by any random boards.ie user
Everytime I ring there, ask the same question and get different answer.
I even got few answers to my questions over email from them, and they don't make sense, as they are in contradition with what's written in insurance policy.

Yes - my policy requires me to be the main driver of my vehicle.
But it's not defined what "main driver" means, so I don't know, the same as anyone on the phone if I ring them, won't know this.

And if no one know, then you can always play a bit by yourself

CiniO

Anan1 wrote: »

And it's a big one!

From memory, my own insurer (Aviva) wanted to know that i'd be driving the car more than 50% of the time.

That's actually very precise definition.

However, while I'm with Allianz, there isn't any definition like that.

Anan1

CiniO wrote: »

Buahaha, usual boards.ie answer about insurance.

I'm generally sick of ringing my insurance company, as answers which I always get from their "customer service advisors" are less trustworthy than answers provided by any random boards.ie user
Everytime I ring there, ask the same question and get different answer.
I even got few answers to my questions over email from them, and they don't make sense, as they are in contradition with what's written in insurance policy.

Yes - my policy requires me to be the main driver of my vehicle.
But it's not defined what "main driver" means, so I don't know, the same as anyone on the phone if I ring them, won't know this.

And if no one know, then you can always play a bit by yourself

I'm pretty sure it'll be in your policy document. And whatever's in writing is all that counts.

CiniO

Anan1 wrote: »

I'm pretty sure it'll be in your policy document. And whatever's in writing is all that counts.

It isn't.
Trust me - I went through my policy word to word few times. I know exactly what rules are, but there isn't anything about it.

bandit14

hmf300 wrote: »

hi, im planning on buying a car. im almost about to do my full licence and i will be buying a car in the summer.

vw golf will be the car. ive found one online which suits me perfect, its at a good price and its cheap. i was planning on getting a 1.9tdi model but the car ive found is a gt tdi. would this make must of a difference in insurance costs?

i got a quote on a standard 1.9 tdi and it was 1400e under my mothers name.

can anyone help me get insured for a good reasonable price?

any info welcome

thanks

Get on the blower and ring everybody until you get the cheapest quote then ring everyboby back with that quote,watch them drop and drop,i did this last time and saved a fortune

coylemj

CiniO wrote: »

Buahaha, usual boards.ie answer about insurance.

I'm generally sick of ringing my insurance company, as answers which I always get from their "customer service advisors" are less trustworthy than answers provided by any random boards.ie user
Everytime I ring there, ask the same question and get different answer.
I even got few answers to my questions over email from them, and they don't make sense, as they are in contradition with what's written in insurance policy.

You are wasting your time asking call agents for clarification about your insurance, all that matters is what's in the policy and if anyone tells you something over the phone which is in conflict with the policy, the wording in the policy rules so anything that is said over the phone is not worth jack sh1t.