22 year old, insuring an Evo 7, Quick question

shaned175

22yrs old, 4.5yrs full Irish licence.. 2yrs NCB, 3yrs No claims driving, 2penalty points

Now Im not stupid... No Insurance company will touch me with an Evo 7 involved. However, Can somebody please find a fault with my plan??

I insure a 1.0 ltr Micra with Aviva or Liberty (fully Comp)... Which includes a Drive other cars section...

I get my Father to Insure an Evo 7,... I now have 3rd party on the Evo???

So. ^^^^ will this actually work? .. Or is there a power limit to what i can drive under this rule?

And just in case anyone asks... My father does not mind, he recently sold his car and is now named on my mothers insurance... 41 yrs old , endless ncb blah blah blah,

Also I have read all the info on their respective websites.. and it dosnt list any restrictions...... But come on, it has to be too good to be true...... if ive taught of it... surely they have.....???
Thanks for reading,
and apologies if this thread has come up before... ive been lurking back through the pages and didnt find similar.....

TGi666

I would read the terms and conditions on the driving other cars section as I think last year it was changed to over 25's with full license

billy2012

Yup...loads of people do it

Supergurrier

Grand until u have an accident and the evo is only 3rd party covered

mathepac

There may be a restriction to cars of a similar type / power / value on your "driving other cars" extension. This has come up before several times and my last posted comment was some thing like "if you insure an 800cc Micra don't expect you insurer to allow you to drive a Bugatti Veyron you don't own on the driving other cars extension from the Micra".

djimi

Third party extenstion is designed for very occasional use of the car, even more so than named driving. If you had a claim that was substantial enough to warrant the insurance company carry out an investigation, and it transpires that you had been taking the piss out of them, then you could well find yourself in a spot of bother. And a 22 year old driving his 41 year old fathers Evo VII is likely to have all sorts of warnings bells going off with the insurer!

CiniO

djimi wrote: »

Third party extenstion is designed for very occasional use of the car, even more so than named driving. If you had a claim that was substantial enough to warrant the insurance company carry out an investigation, and it transpires that you had been taking the piss out of them, then you could well find yourself in a spot of bother. And a 22 year old driving his 41 year old fathers Evo VII is likely to have all sorts of warnings bells going off with the insurer!

Just out of curiosity - where is the limit between taking the piss out of insurance company and not?

F.e. in my thrid party extension, it doesn't say I can "occasionally" drive other cars. It just says I'm insured to drive other cars, which doesn't belong to me or my employer.

I can't see how insurance company could come to me saying I was taking a piss, even if I drove the same other car (not belonging to me) every day.

Technoprisoner

my insurance company wouldn't quote me on an evo....when i told them i had it already bought and it was sitting outside the house they came back and told me 500 euro more...cost me 1700 to insure the first year

dodderangler

Technoprisoner wrote: »

my insurance company wouldn't quote me on an evo....when i told them i had it already bought and it was sitting outside the house they came back and told me 500 euro more...cost me 1700 to insure the first year

I done the same on a mivec
Told them I'd just spent 3 grand on buying it and its outside
300 quid more and they insured me

Vicxas

I thought that if you have an insurable interest in the car you cant have someone else be the main driver on the car?

BGozIE

Most insurance companies (well all of the ones I've been quoted by) say the open policy ,to drive other cars, is for 25+

CiniO

I generally can't see too much point in OP's father to insure that EVO anyway.

Whether he will insure it or not, OP most likely will be able to drive it using his third party extension, provided car isn't registered in his name and fullfils other requirements stated in the policy.

CiniO

CiniO wrote: »

I generally can't see too much point in OP's father to insure that EVO anyway.

Whether he will insure it or not, OP most likely will be able to drive it using his third party extension, provided car isn't registered in his name and fullfils other requirements stated in the policy.

Fire, theft etc wont be covered by the driving other cars extension.

nutjobb

If its still the same as when I was doing it then your father doesn't need to have it insured but it does need to be in his name. Once it had tax/nct and not in my name I was covered..

djimi

CiniO wrote: »

Just out of curiosity - where is the limit between taking the piss out of insurance company and not?

F.e. in my thrid party extension, it doesn't say I can "occasionally" drive other cars. It just says I'm insured to drive other cars, which doesn't belong to me or my employer.

I can't see how insurance company could come to me saying I was taking a piss, even if I drove the same other car (not belonging to me) every day.

I dont know the ins and outs of it but Im pretty certain its something to do with the policy holder having to be the primary driver.

djimi

CiniO wrote: »

I generally can't see too much point in OP's father to insure that EVO anyway.

Whether he will insure it or not, OP most likely will be able to drive it using his third party extension, provided car isn't registered in his name and fullfils other requirements stated in the policy.

You would want to have your head examined if you owned a car like an Evo and didnt have it insured against theft.

ironclaw

Generally, the 'drive other cars' clause is 25+ and less than 1.6. But in that case the person was driving a 1.0L to begin with. Others, it was relative to the car they usual drove i.e. If you drove a 2.5L, then the sky was the limit really. Although I've seen policys where even learners (In this case female), any age, are allowed to drive other cars (But again, an engine size limit)

Frankly even the slowest insurance rep would smell something fishy if a claim came in for a fathers Evo 7 when the son was driving. Unless the father had a history of such cars. Insurance companies arn't stupid. While they'll still pay, they'll probably scale down to the minimum pay out and load the bejesus out of you later on.

ShadowHearth

Even with 40++ years and NCB it will cost a lot for your father to insure EVO. Then you will need pay insurance for that 1.0l car. You might as well just get trade insurance.
Technically, you will be able to drive it, but I bet EVERY single GARDA will throwing your ass on a bonnet and have a wee romantic time. Even if "legally" you can do that, they will make sure to annoy you to death with it. Its one of those "commercial twin turbo supra" things.

ShadowHearth

ironclaw wrote: »

Generally, the 'drive other cars' clause is 25+ and less than 1.6. But in that case the person was driving a 1.0L to begin with. Others, it was relative to the car they usual drove i.e. If you drove a 2.5L, then the sky was the limit really. Although I've seen policys where even learners (In this case female), any age, are allowed to drive other cars (But again, an engine size limit)

Frankly even the slowest insurance rep would smell something fishy if a claim came in for a fathers Evo 7 when the son was driving. Unless the father had a history of such cars. Insurance companies arn't stupid. While they'll still pay, they'll probably scale down to the minimum pay out and load the bejesus out of you later on.

Insurance companies are not stupid. They will make sure to get each angle to not pay you. Having such "setup" as insurance and then get in to car crash will make Insurance companies life a lot easier.

shaned175

Cheers for all the responses lads.. so what i gather is that it may be possible with some insurance companies..... but keep the ****in thing between the ditches

shaned175

ShadowHearth wrote: »

.
Technically, you will be able to drive it, but I bet EVERY single GARDA will throwing your ass on a bonnet and have a wee romantic time. Even if "legally" you can do that, they will make sure to annoy you to death with it. Its one of those "commercial twin turbo supra" things.

****, I forgot about the Garda element over the whole thing.... il be adding 20 mins to journey times if i do get one

.jacksparrow.

Let's be honest lads, the op isn't thinkin about what happens if he is in a crash, its just to make sure he isn't doing anything illegal. I say if you can pull it off, once its legal go for it and fair play for thinking of it.

Tzardine

Have you had a look at XS Direct. You will definitely get a quote off them but it will have a very high excess. Can be from 1000 - 3000.

blindside88

I would insure the micra, once it's insured I'd call a week later and say you've bought a new car (Evo) and want to change the car on your insurance. A large number of companies will allow you to change

68 lost souls

Strituck wrote: »

Have you had a look at XS Direct. You will definitely get a quote off them but it will have a very high excess. Can be from 1000 - 3000.

The excess as well would probably be offset by not having to purchase Micra plus insurance. As well as that the excess would only be paid if there was an accident but the micra and insurance would have to be paid no matter what with his method.

Henry Ford III

blindside88 wrote: »

I would insure the micra, once it's insured I'd call a week later and say you've bought a new car (Evo) and want to change the car on your insurance. A large number of companies will allow you to change

How many?

p.s. If they do allow a substitution it'll cost plenty.

Henry Ford III

djimi wrote: »

I dont know the ins and outs of it but Im pretty certain its something to do with the policy holder having to be the primary driver.

This is on the money.

Insurers ask "will you be the main driver?". A deliberate lie here will jeopardise cover. In the case of a young lad driving an Evo on 3rd party extension and a resulting claim you can be absolutely sure they'll investigate.

If the claim is rejected the MIBI will step in, they'll try to recover the amount from the driver, and the driver will find it difficult/expensive/impossible to get cover again.

Henry Ford III

Henry Ford III wrote: »

This is on the money.

Insurers ask "will you be the main driver?". A deliberate lie here will jeopardise cover. In the case of a young lad driving an Evo on 3rd party extension and a resulting claim you can be absolutely sure they'll investigate.

If the claim is rejected the MIBI will step in, they'll try to recover the amount from the driver, and the driver will find it difficult/expensive/impossible to get cover again.

It can't be easy for the insurance company to prove who is the main driver though.

Henry Ford III

Major Whispering Mockingbird wrote: »

It can't be easy for the insurance company to prove who is the main driver though.

Arguable. In the circumstances I've outlined it wouldn't be that difficult.

"Did 22 y.o. drive to work every day, and if so in what car?"

djimi

blindside88 wrote: »

I would insure the micra, once it's insured I'd call a week later and say you've bought a new car (Evo) and want to change the car on your insurance. A large number of companies will allow you to change

1. They dont have to quote you anything remotely sensible to change (ie they can turn around and ask for €4000 for the rest fo the year) and

2. They dont have to renew at the end of the current year, leaving you stuck with a car that you cannot afford to insure.

I know of a couple of people who got caught out with this. I would never buy a car unless I was 100% certain that I could get insured on it.

shaned175

.jacksparrow. wrote: »

Let's be honest lads, the op isn't thinkin about what happens if he is in a crash, its just to make sure he isn't doing anything illegal. .

Ya this is kinda what im gettin at here....... Famous last words, but im not under any illusions that im colin mcrae re-incarnated, so i dont intend on rallying it around the countryside every day......taking risks and what have you

Also, i wouldnt dream of driving the evo up and down to work,,... the linchpin in all of this... the "Micra"... would be MY main car, as in id be driving it more than the Evo.... Evo would be left for Weekends and shur... if the father wants to he can drive at as much as he wants..........

still tho... havin a claim in it would be an absolute nightmare

CiniO

djimi wrote: »

You would want to have your head examined if you owned a car like an Evo and didnt have it insured against theft.

If cost of insuring it would be half the price of the car - then it's surely not worth it.

CiniO

Henry Ford III wrote: »

This is on the money.

Insurers ask "will you be the main driver?". A deliberate lie here will jeopardise cover.

Sorry but where would OP be asked this question?
He said he want to insure micra and drive EVO registered on his father's name on his third party extension.

Where would the "who will be the main driver of EVO" question be asked?

In the case of a young lad driving an Evo on 3rd party extension and a resulting claim you can be absolutely sure they'll investigate.

If the claim is rejected the MIBI will step in, they'll try to recover the amount from the driver, and the driver will find it difficult/expensive/impossible to get cover again.

They investigate what? That he was the main driver of the EVO?
Who and where said he couldn't be?

goz83

.jacksparrow. wrote: »

Let's be honest lads, the op isn't thinkin about what happens if he is in a crash, its just to make sure he isn't doing anything illegal. I say if you can pull it off, once its legal go for it and fair play for thinking of it.

The evo does not need to be insured at all. It simply needs to be in someone elses name, but OP, it's a bad idea. You say you won't be rallying it around the countryside, which is probably true, but you sure as hell won't be driving Miss Daisy either. It's this kind of abuse that will close up a loop-hole for everyone else, making our already draconian insurance system even more repressive.

goz83

CiniO wrote: »

Where would the "who will be the main driver of EVO" question be asked?

I think this is the question the father would have to answer if he was insuring the Evo. So if he was not to be the main driver, he would be lying to the insurer.

Technoprisoner

honestly...just buy the car and tell them you already have the car...i think they have to insure you....did you ring them already for a qoute?

Henry Ford III

CiniO wrote: »

Sorry but where would OP be asked this question?
He said he want to insure micra and drive EVO registered on his father's name on his third party extension.

Where would the "who will be the main driver of EVO" question be asked?



They investigate what? That he was the main driver of the EVO?
Who and where said he couldn't be?

The insurance proposal (his fathers). If the father confirmed he'd be the main driver, knowing at the get go that it's incorrect, the true nature of the risk would be undisclosed, and the cover voidable potentially.

You can be full sure that any insurer would investgate such a claim too, as it'd be a very clear case of non disclosure.

Henry Ford III

Technoprisoner wrote: »

honestly...just buy the car and tell them you already have the car...i think they have to insure you....did you ring them already for a qoute?

I beleive they have no obligation, and even if they did they could charge a small fortune in line with the increased risk.

CiniO

Henry Ford III wrote: »

The insurance proposal (his fathers). If the father confirmed he'd be the main driver, knowing at the get go that it's incorrect, the true nature of the risk would be undisclosed, and the cover voidable potentially.

You can be full sure that any insurer would investgate such a claim too, as it'd be a very clear case of non disclosure.

But OP is not trying to get as named driver on his father's policy.
He wants to drive the EVO using his own "driving other cars" extension on his policy.
His father's policy seems to be completely irrelevant here, whether it's valid or not.

SpannerMonkey

generally the policy excludes what they class as performance cars so look it up first , secondly as far as i know all these policices require you to be over 25

try britton insurance in donegal they specialise in high powered cars and young drivers;)

Technoprisoner

Henry Ford III wrote: »

I beleive they have no obligation, and even if they did they could charge a small fortune in line with the increased risk.

i got insured on my first evo that way...i rang them up told them what it was...they told me that they could not insure me on that car...i told them i had bought it and it was outside they came back 2 minutes later saying 500 extra..i was over the moon

Henry Ford III

Technoprisoner wrote: »

i got insured on my first evo that way...i rang them up told them what it was...they told me that they could not insure me on that car...i told them i had bought it and it was outside they came back 2 minutes later saying 500 extra..i was over the moon

Risky.

What would you have done had they said €3000 extra?

challengemaster

SpannerMonkey wrote: »

generally the policy excludes what they class as performance cars so look it up first , secondly as far as i know all these policices require you to be over 25

I'd love to know where people keep pulling these "facts" out of. I've yet to see a policy stipulate for third party extension the driver needs to be a certain age, and certainly haven't seen anything about the types of car covered.

This is quoted from liberty's website on driving other cars.

If your certificate of insurance says so, we will also cover the policyholder for your liability to other people while you are driving any other private motor car which you do not own or have not hired or leased. This benefit applies to full licence drivers only. We will only cover you if:

• The vehicle is not owned by your employer or hired to you/them under a hire-purchase or lease agreement;
• You currently hold a full European Union (EU) licence;
• The use of the vehicle is covered in the certificate of insurance;
• Cover is not provided by any other insurance;
• You have the owner’s permission to drive the vehicle;
• The vehicle is in a roadworthy condition;
• You still have your vehicle and it has not been damaged beyond cost-effective repair; and
• Your occupation is not restricted by our acceptance criteria.

Usually open-drive does specify a minimum age, and other stipulations, but that's not whats being asked about.

SpannerMonkey

Henry Ford III wrote: »

Risky.

What would you have done had they said €3000 extra?

happened me aswell i bought a bmw 330i when i was 21 , was with quinndirect at the time their online thing said no problem to insurance (cost a bit more but not stupid) so i went away and bought the car .

when i rang them up they said oh no you have to be over 30 , i said sorry no your online site said i could get insured for 300 more, they said oh no sir


when i checked an hour later on their site it said it was uninsureable for me , i rang them up and the conceded but wanted an additional 1500 euro :mad:




luckily i had a print out of the earlier quote and i faxed it in to them with the referance number and they begrudgeingly accepted it .

SpannerMonkey

challengemaster wrote: »

I'd love to know where people keep pulling these "facts" out of. I've yet to see a policy stipulate for third party extension the driver needs to be a certain age, and certainly haven't seen anything about the types of car covered.

This is quoted from liberty's website on driving other cars.



Usually open-drive does specify a minimum age, and other stipulations, but that's not whats being asked about.

well my good man it was on my policy when i was younger because it stopped me at the time. was with quinn direct . FACT


EDIT : sorry i was talking about open drive , you picked me up wrong

Nino Brown

goz83 wrote: »

The evo does not need to be insured at all. It simply needs to be in someone elses name, but OP, it's a bad idea. You say you won't be rallying it around the countryside, which is probably true, but you sure as hell won't be driving Miss Daisy either. It's this kind of abuse that will close up a loop-hole for everyone else, making our already draconian insurance system even more repressive.

The Evo will have to be insured. Even if you have permission to drive other cars, they have to be insured by their owner also.

shaned175

Ya I had thought about the whole being over 25 thing for open drive...... For my current insurer, FBD, that is the case, ..
However when I rang up Liberty insurance they assured me that all there customers, regardless of age, have DOC extension, ...
the only problem is that they wouldnt insure me at the time on a 2.0 straight diesel carina.... quite possibly the slowest car on the planet....
But they told me if I came back with something less than a 1.3 then they would.....

Ive seen some people say that the Evo dosnt have to be insured... just taxed, nct'd and to be in someones name..........If this is the case. would this not mean that my father dosnt have to lie to any insurance companies... as there would be no insurance company involved??? just an after thought

Nino Brown

OP have you got the quote for an Evo in your fathers name with yourself as a named driver? I thought insurers based their quotes on the highest risk driver on the policy. So by the time you pay to keep both cars on the road insured/NCT'd and taxed you might be better off just sucking it up and going with XS direct or someone similar.

shaned175

Nino Brown wrote: »

OP have you got the quote for an Evo in your fathers name with yourself as a named driver? I thought insurers based their quotes on the highest risk driver on the policy. So by the time you pay to keep both cars on the road insured/NCT'd and taxed you might be better off just sucking it up and going with XS direct or someone similar.

No i didnt even bother.. i floated the idea with a woman behind the counter at an fbd office and she started laughing

The idea would be that my name would be nowhere the EVO as regards insurance......... however.... if there is an insurance company, such as XS or that other one donegal.... it might cost alot.. but save alot trouble... alot to consider

mgbgt1978

ironclaw wrote: »

Generally, the 'drive other cars' clause is 25+ and less than 1.6.

No it isn't....on both counts.
Some Insurers will give the 'driving other cars' to anybody who takes out a policy with them...some don't. Some will automatically give it to persons over 25...some won't. Some don't offer it at all.
But it is far from "Generally".
If you can show me more than 1 Insurer (if there is even 1) who will only cover up to 1.6 on the 'driving other cars' clause I will be very impressed.

mgbgt1978

Nino Brown wrote: »

The Evo will have to be insured. Even if you have permission to drive other cars, they have to be insured by their owner also.

Not again.....No they don't. It all depends on the insurer, but most do not ask that the car be insured by the owner.
This has been done to death on here.