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If its your first car, then your premium will probably send you out of the room screaming! Insurance companies will try to rape you in the first year or 2. And add mods to that, & you better learn to grip your ankles tight!

Seriously tho' it was a lifetime ago that I learnt to drive & have no probs with insurance! However you'd be best to shop around on the insurance search engines & ring round the likes of Adrian Flux & Greenlight Insurance (will do modified motors) for a good quote, also elephant.co.uk are good for mods too.

Don't be surprised at a premium/quote of £2kor more, just stick with it & u'll find a deal that suits you.

Already been looking, gunna be on the mums insurance.
The cheapest i found was £896 or something and the next reasonable one was £1200.
Awaiting on a reply from Adrain Flux now.
Doesn't seem too bad.
With the £1200, at least i get to earn my own no claims bonus, so i'd probably go with that...

Brad. wrote:Already been looking, gunna be on the mums insurance.
The cheapest i found was £896 or something and the next reasonable one was £1200.
Awaiting on a reply from Adrain Flux now.
Doesn't seem too bad.
With the £1200, at least i get to earn my own no claims bonus, so i'd probably go with that...

Be very careful with earning your stripes on a parents insurance, can back fire if you're not careful!

Is the car yours or your mums, & who's name is on the V5. Plus who will drive it the most?

Torq-Al wrote:

Brad. wrote:Already been looking, gunna be on the mums insurance.
The cheapest i found was £896 or something and the next reasonable one was £1200.
Awaiting on a reply from Adrain Flux now.
Doesn't seem too bad.
With the £1200, at least i get to earn my own no claims bonus, so i'd probably go with that...

Be very careful with earning your stripes on a parents insurance, can back fire if you're not careful!

Is the car yours or your mums, & who's name is on the V5. Plus who will drive it the most?

Yeah, yeah yeah, i know its risky.
On the V5 it's under her name, and she will use it fairly often. Probably a couple of times a week.

At one time everyone got away with it, pretty much. Now it's harder to get it thru'. Don't always be fooled by the promise of your own no claims, find out if its transferable to another insurer if you leave them. You'll probably find its not!

Yeah, heard of the non-transferable shizzle.
What would you do then, is it worth going for the cheaper one, or going for the "NCB"?

Brad. wrote:Yeah, heard of the non-transferable shizzle.
What would you do then, is it worth going for the cheaper one, or going for the "NCB"?

If you're not getting the NCB, whats the point in paying extra? As long as the cover/excess etc is the same!
Put the money you will save to one side & get your own insurance after the first year(or maybe 2), the premium will have dropped by then.

Good point, i think i'll ring up and see if the NCB is transferable, if it isn't then there really is no point.

i got told about this by my mum and so she said shes not putting me on her insurance im going straight on my own and so far ive been fine. now i have something like 6 or 7 years no claims bonus. after the first year it drops quite a bit to.

Ah kipper, you're close to me.
I'm from Guildford. [:)]
Whats your car like, probably seen it around...

I'll look at insurance properly when it's closer to the time.

Gonna start looking at driving companies soon, and booking my theory as close to my birthday as possible to get it out the way.

Torq-Al wrote:At one time everyone got away with it, pretty much. Now it's harder to get it thru'. Don't always be fooled by the promise of your own no claims, find out if its transferable to another insurer if you leave them. You'll probably find its not!

The only way around this, as I've found is…

I went with Direct Line for my first year because they offered 2nd drivers on a policy ncb. So I went on my mums Policy. So I got the benefit of cheaper premiums while earning ncb as a second driver.
After my first year I decided to go on my own policy, because I knew as long as I was on my mums policy I wasn’t earning true ncb in a sense as it wasn’t recognised by any other insurer. But this 1st year ncb was recognised by DL so I went with them again for my 2nd year of driving, just my first year of being on my own policy. ( I got the benefits of having 1 years ncb for my own policy which really lowered my policy a lot) So as soon as this year runs out (8 months left to go) I will collect my real 1 years ncb and move on to a cheaper insurer.
It’s not the best method for sure, but it worked for me, and it’s the only real way to benefit from short term lower premiums.

JDub6n2 wrote:

Torq-Al wrote:At one time everyone got away with it, pretty much. Now it's harder to get it thru'. Don't always be fooled by the promise of your own no claims, find out if its transferable to another insurer if you leave them. You'll probably find its not!

The only way around this, as I've found is…

I went with Direct Line for my first year because they offered 2nd drivers on a policy ncb. So I went on my mums Policy. So I got the benefit of cheaper premiums while earning ncb as a second driver.
After my first year I decided to go on my own policy, because I knew as long as I was on my mums policy I wasn’t earning true ncb in a sense as it wasn’t recognised by any other insurer. But this 1st year ncb was recognised by DL so I went with them again for my 2nd year of driving, just my first year of being on my own policy. ( I got the benefits of having 1 years ncb for my own policy which really lowered my policy a lot) So as soon as this year runs out (8 months left to go) I will collect my real 1 years ncb and move on to a cheaper insurer.
It’s not the best method for sure, but it worked for me, and it’s the only real way to benefit from short term lower premiums.

Sounds good, just make sure you get 2 years NCD in writing before you leave them. Another good way to keep your policy low is put your parents (one of them, pref mum, as female gets biggest reduction!) on your policy, lowers it for you a treat.

i always found, to reduce the premium state that you only cover 5000 or so miles. brings the premium down.
if ever challenged you can state that other people use your car who have their own insurance.

Do they ever actually check that?

Brad. wrote:Do they ever actually check that?

A number of years ago I had a policy with Firebond that was limited mileage & I had to tell them my mileometer reading, never checked it out tho'!

Now got a limited mileage policy with Elephant & they haven't even asked for the mileage! Go figure!