Oh but it isn't that. If they can get out of £10 payouts then they will try. And they have rather more legal and financial clout to get out of payments than an insurance dodging [part-time] chav.
They would then do everything in their power to find as much evidence as possible that the insurance had been misused, normally the third party any car is often described as being unplanned/emergency/short term use only, the idea is not that you regularly drive another car on it, and if there is no policy or indication of use by the keeper on the other car then it will soon become evident that all is not right. Using the third party clause of a regular insurance party in this way is in serious breach of the policy. Using trade (or domestic equivalents of) insurance is very different, it is specialist insurance that offers proper cover for driving any vehicle, it comes at a large price though and restricts young drivers to smaller cars, normally under 1600cc for under 21s, to prevent young drivers getting in high risk cars they can't drive.
I am a bit lost at why Jack thinks he needs a 180bhp hot hatch though when his greatest issue with his current car is fuel economy. The Seat will be very fast but soft and boring to drive and most likely understeer like no tomorrow even without the power. A less powerful better setup car would be far more enjoyable on the road, plenty fast enough for a new driver, deliver better fuel mileage and be insurable (for very good reason!).
My policy says I am covered, with third party cover the same as my car UNLESS it is xxxxx
Which it's not.
That's it.
I will ring them tomorrow and think that calling me a "insurance dodging chav" is a bit unfair especially as this whole thing is one of their selling points for their policies...
I've read through all the small print they've sent me - I can't exactly see them holding me to stuff they haven't sent me...
I don't need a 180hp hot-hatch, but it was just a random example of a car with prohibitively expensive insurance that... wouldn't be any more.
Like I keep saying there is NOTHING saying that I can't drive anything over a certain CC or that I should be over a certain age.
I say go for it. What's the worst that can happen?
Also, the faster car would still need to be insured I'd imagine, even if it's your parents insuring it. The far easier, and less borderline option, is to insure the car in one of your parent's names, and put yourself down as a "named driver". As long as you don't own any other cars, and their name is down as the official owner in the books, you're safe. It should be far cheaper than insuring it yourself. I know that if I insured my mum's car in my name, it would be about 3 times what I pay as a named driver, yet I can still drive the car just as much
Tesco did not list a minimum age in any of the online policies they had when you get a quote (which are usually stripped down generic versions). The full policy that you agree to has lots more clauses, one of which on the Tescos was that there was a minimum age cut off for the any car cover. I should add I have never heard of a policy that allows you to drive an uninsured car (with the exception possibly of specialist ones) and it will soon be illegal, and checked digitally to have an uninsured car that hasn't got a SORN, making it illegal on the road.
Insurance companies will go a long way to void a policy if they can, this is clearly in breach of it and the typical insurance payout buys a lot of legal power...
do you think these insurance companies sit outside your house going OOOO this is 10th time this week hes taken this car out. NO they would just say fine its insured and do everthing in their power to make the third party liable for the accident
So, why would you insure the cheap car and not the expensive one? Is it to save money?
If the answer to the second question is YES, then chances are the insurance company will do their upmost to invalidate any claim if they get so much as a whiff of trying to out-do them.
And yes, they can and will try to get out of paying using terms and conditions set out in case law rather than in the small print. The small print on the back of the policy (or a separate sheet) is only a part of the whole insurance legal world.
Tom - you under-estimate the data they have on you. Payments for petrol. Records of fill ups linked with those payments. MoT tests. Tax. Owners. Mileages, considering your job and social needs. Then there is the simple matter of finding a reference to Jack being called Jakg and finding this thread on the internet (for example). These days the companies you use know a lot more about you than you'd care to realise. Most of the time it's ignored. But if they want to get you for something they probably can.
This is a very common form of insurance fraud which the companies have got tight on recently, expect no payouts and possible prosecution for trying this. It is no better than having no insurance, if you're not going to insure your car legally don't bother, you have the same cover deserve to be locked up and at least you aren't committing insurance fraud, which can carry worse penalties than having no insurance.
Now THAT is illegal (fronting) because they are in no way the main driver. My way is wholly legal (if the girl i spoke to wasn't BS'ing)
Either way I picked the Leon out because it's a hell of a lot of car for £1,500 - but I could never buy it because insurance would be £2.5 if not £3k - whereas "my way" I could have it for about £1,250 a year...
Why the hell should I stop trying to save money? What a stupid thing to say - I work hard for the small amount I get paid and I pay a huge amount to my insurance company. If they offer me a benefit which could work out well for me your saying I should ignore it? WTF! I'll grab it with both ****ing hands if it means I can get a great car and no longer have to pay a rediculous "nice car tax".
EDIT - I AM getting it insured - my insurance company will cover any other car I drive, as long as it's not mine.
EDIT - Again so what if they find this thread? They are using this policy to try to lure people into buying their insurance, i am following the T&C's to the letter - all it says is that the car must be registered in someone elses name...
I agree but a mate of mine who just had a off on his bike braking his leg collar bone and wrist he has a race can on it with no cat nothing and they have witnesses saying he was speeding and doing a wheelie and they havent argued once! its all myths you cant argue with what it says on his document!!
If his document says to be used weekends between 09:00 and 21:00 and cant be used for more than 200 miles a day FINE do as it says if it simply says covered to drive any other car not in your name wheres the problem! you guys have made up the occasional use thing it doesnt say it
Yeah but you aren't going to have any insurance on the car. Is it legal to drive a car without insurance? Because you definitely can't do that over here.
because so people dont have the right insurance and other like you are gimps who have convinced them selves they arent covered and because if i owned a zonda id want fully comp insurance. And what if it got stolen it wouldnt be covered
If you have fully comprehensive insurance there is nothing that says "User must be obeying the laws of the road in order to be covered" - If they were obeying the rules of the road they (most likely, not in all cases mind) wouldn't have crashed in the first place.
Motorcycle insurance people tend to allow you £500 or so of "unmentioned" accessories, because bikes are more personal to people than cars. (When I was searching for insurance for mine, all of them bar 2 (out of 32 mind!) allowed you up to £xxx of free accessories that you didn't need to mention)
Normally a bellypan or something, aftermarket screen, exhaust and tail tidy will add up to about £400-500 and are pretty commonly purchased parts.
If you get a fully customized paint job, a pair of Marchensi wheels and a full Yoshimura race exhaust system and have an off, don't expect them to cough up the £4000 you need to sort the bodywork out..
These "allow other drivers" policys are not designed to save people money, they are not designed to have some 17 year old behind the wheel of a car he's not really able to drive, both from an experience point of view and from a "well he wouldn't be able to insure it otherwise" point of view.
Some companies offer "open insurance" - i.e. Tristan (and most garage workers) have cover on any car at all. Which is exactly what Tristan is doing for free insurance on his car (hypocritical, much?). My insurance has the unique feature of covering me to drive other cars in addition to the one i'm insured on IF it's not in my name. I WILL be insured on it.
Because Quinn put a hell of a lot of customers off with their "pay f'all when your a learner and then we'll double your premium when you pass" tactic, or perhaps because i'm the first person to think of it, or perhaps because people realised when they could save several thousand a year they kept their trap shut.
I still can't understand why i'm copping shit for something that (if the girl at the call centre is to be believed) my insurance company let me do with no disadvantages (except the insurance company making less profit out of me - boo hoo).
Yeah, like I said most insurance companies don't worry about people not mentioning exhausts and the like, for the most part a discounted aftermarket can (say Scorpion or Akra or something) is probably cheaper than the OEM counterpart. Besides most of the time you're given the money to spend, rather than being bought the appropriate part. (Say your insurance company cover £200 for a battered slip on section, so you'll be given £200 rather than an OEM exhaust or whatever, unless you specified specialist covereage in your insurance )
Had your freind have only just passed his test, but using the same sort of method that Jack (Jakg) proposes to use, then his insurance company would have laughed in his face and told him to get lost.
Glad it seems that he's ok though, tell him to keep it on the race track next time lol
Because when you're driving on a provisional you have to have an experienced person with you (normally an instructor or someone with some experience.. 2 or 3 years or something like that), so you're statistically more likely to crash after you've passed your test than you are when you're on L plates.
