Car insurance anyone work for these
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 radsyrendot  From Coventry now in Leicester 26 Oct 15 8.56pm |
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My daughter new driver got herself a car wants to go on my insurance to bring down her costs ..question is if anyone has done this and if she has a crash would it effect my NCB of 16 yrs cheers
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| kayjaybee orpington 26 Oct 15 9.01pm |
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think it would, try taking out her own insurance but with you as a named driver, that can bring premiums down
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| doi209 Fighting for the weak and innocent... 26 Oct 15 9.05pm |
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Quote radsyrendot at 26 Oct 2015 8.56pm
My daughter new driver got herself a car wants to go on my insurance to bring down her costs ..question is if anyone has done this and if she has a crash would it effect my NCB of 16 yrs cheers
This has been discussed before on HOL. After one year insurance cost goes down considerably, so get an old car and insure TPFT.
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| Stuk Top half 27 Oct 15 2.10pm |
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Yep, even the PCC for Kent Police has just been (sort of) done for this. The CPS amazingly couldn't be arsed to press charges though. Funny that.
Optimistic as ever |
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| I'mPalace Till I Die 27 Oct 15 2.17pm |
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Get her to do a pass plus or advanced driving course (whatever they call it nowadays) as this pays for itself and more. Also she is less likely to have an accident as it should improve her driving skills too
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| radsyrendot From Coventry now in Leicester 27 Oct 15 7.22pm |
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Quote I'mPalace Till I Die at 27 Oct 2015 2.17pm
Get her to do a pass plus or advanced driving course (whatever they call it nowadays) as this pays for itself and more. Also she is less likely to have an accident as it should improve her driving skills too
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rossboss29  Portsmouth 27 Oct 15 8.36pm |
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I work for an insurer and your ncb would be affected if she were to have a fault claim. Try protecting ncb. Very hard to find competitive rates, but use comparison websites like go compare confused beat quote compare the market to find the best rates
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Ray in Houston  Houston 27 Oct 15 9.39pm |
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My insurance company just sent me my renewal, and ask if I wanted to pay per annum. I told them, thanks, but I'd pay through the nose like everyone else.
We don't do possession; we do defense and attack. Everything else is just wa**ing with a football. |
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| HeathMan Purley 27 Oct 15 11.23pm |
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interesting. Please bear in mind that insurance contracts have a requirement of "utmost good faith" - you tell your insurer all the material facts about you and your daughter and the cars you both drive. As mentioned her having a higher skill level should help as will you not having been caught speeding. Worth speaking to someone with knowledge - I do not have enough - starting with an advisor, then with your current insurer (always good you ask questions when you have some knowledge of what the answers might be). Multicar policies might be worth considering - you do not have to add further cars - with daughter and her car being first and only insured. The permutations can be endless. Good luck & best wishes.
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| OurKid85 Fareham 28 Oct 15 6.06am |
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Quote HeathMan at 27 Oct 2015 11.23pm
interesting. Please bear in mind that insurance contracts have a requirement of "utmost good faith" - you tell your insurer all the material facts about you and your daughter and the cars you both drive. As mentioned her having a higher skill level should help as will you not having been caught speeding. Worth speaking to someone with knowledge - I do not have enough - starting with an advisor, then with your current insurer (always good you ask questions when you have some knowledge of what the answers might be). Multicar policies might be worth considering - you do not have to add further cars - with daughter and her car being first and only insured. The permutations can be endless. Good luck & best wishes. Not any more, the Consumer Insurance Act put an end to that for personal insurance, an insurer is required to ask about every little piece of information they require. As mentioned above, don't fall into the 'fronting' trap of insuring it in your name if it's your daughters car, it'll only end up messy and potentially costing you more in the long run.
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| jamiemartin721 Reading 28 Oct 15 10.38am |
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Buy an old car that's worth less than the tires on it that's in reasonable working condition, and insure it in her name. An old work college of mine had been suspended from driving on a drink driving conviction. Once he got his license back, he was driving around in an old 1988 Escort for three years and the insurance, even with him having been previously disqualified, was only around 500 a year in his first year after disqualification, and it went down rapidly. Eventually it was stolen, he reported it to the police, never bothered with the claim, bought another old but reasonable condition car and continued his NCB.
"One Nation Under God, has turned into One Nation Under the Influence of One Drug" |
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