shadarpppppppp narbbbooooooo

I have been looking around for my first car, cheapest I have found is a 1999 1.2 fiat punto at £650, insurance TPFT at £1200, but it will likely go down abit as I won't have passed my test till I am after 21.

Quote from sam93 :

No, I'm not just in the mood for gobby buggers atm.

The named driver thing was an idea, but for the extra £500, I might aswell just insure it myself, just means I will be paying close to £200 a month for insurance as I want to buy an SV650S with the money I get off of my motorbike.

As long as you own the V5, there's nothing wrong with that

Quote from Xaid0n :

As long as you own the V5, there's nothing wrong with that

It's what I have been playing for a while.

Buy the car with money I've earnt and then sell my bike, put a bit more money towards it and buy a 2000 SV650S as they insurance is only like £300-£400 for one of those, so I should be able to afford it. Going to see what my wages are like by then though before I do it.

And I am no longer in a pissed off mood lol.

Ah, off to work.

Quote from Nathan_French_14 :

If you dad adds you as a named driver, but your actually using the car the most, then that is insurance fraud and your insurance will be invalid.

lol, and how they (insurance company) can know that, whos using the car the most? they put a camera in his car which record all things or what?

insurance company can suck fart,u say ill drive only on weekends,there u go cheaper insurance,cop stops you,say im going to best buy. bye

Quote from Agniz :

lol, and how they (insurance company) can know that, whos using the car the most? they put a camera in his car which record all things or what?

Thats what i thought, not easy, or not possible for insurance company to prove, unless of course you have fitted 7 sets of foglights, an exhaust louder than a jumbo jet on takeoff, 20 inch chrome alloys and a stereo system louder than a nightclub.

Quote from Agniz :

lol, and how they (insurance company) can know that, whos using the car the most? they put a camera in his car which record all things or what?

From my post on another forum...

Quote :

If my insurers called where I work, they'd tell them I drive in, and if they call the company that owns work's carpark they'd have a form signed by me giving my car unlimited use for the carpark.

Similarly - My School (well i've left now w00t but a few months back I hadn't...) would also confirm that they've only ever seen myself driving anywhere.

In this case I would have to prove that I wasn't the main driver - if it's 7 miles to School each way and then 20 to work, and my car is in the respective carpark each day, then I would have to prove that while I wasn't using my car - the main driver on the policy was doing over 150 miles a week during the evenings - even though my Mum works at night and has her own car which she uses and my Dad works shifts with his car recorded as driving to work on their CCTV. As such - i wouldn't really have a leg to stand on and i'd be uninsured - Even simpler would be to check when i've filled up - my car does 230 miles on a tank and I fill it up once a week - as such it's impossible I could be anyone else but the main driver.

I've just been my own demise in 5 minutes - imagine what an insurer would do with the chance to avoid a £million payout to the victims of an accident involving Mr. Fronter?

And someone elses post...

Quote :

Amongst the ways would be

a) (This is the first thing they will do) Find out how many cars there are in the household, if there are three cars eg a normal car each for the parents and a third "spare" car that is the one that was in the accident there is a very good chance the car is the young drivers

b) Look at the car, does it have a better stereo than normal, is it modified etc, these can indicate its not the parents car.

c) When was the car bought eg was it bought around the time the driver passed their test.

d) They contact the dealer the car was bought from and ask who they sold it too, often the receipt is made out to the young driver or is the finance in their name

e) Speak to employers / colleges to find out if the parent drives to work or does the young driver drive to college and if so do they have a car park permit for it.

f) What sort of car is it, young drivers tend to go for certain vehicles

g) Listen to the tape when the claim was reported, often the young driver rings to report it and refers to the car as their car and the claims handler will normally ask if it was their car, you would be amazed how many will confirm its theirs.

h) Check with neighboors (You would be amazed what neighboors will say about other neighboors)

g) Some Insurers use lie detectors over the phone, if they don't use lie detectors they have staff trained in specialist questioning techniques to help indicate if someone is lying.

There can be many other things that indicate the car is being "Fronted". Where Insurers believe they have been deliberately misslead about the main driver they will investigate it as it is their pet hate. The parent can sometimes be prosecuted for fraud, the driver can receive a no insurance conviction and the claim be refused. In addition the Insurer will cancel the policy and once an Insurer has cancelled your policy in these types of circumstances the parent will find it virtually impossible to get cover for any type of Insurance again

Here are some of the Ombudsmans rulings on fronted vehicles

Amongst the ways would be

a) (This is the first thing they will do) Find out how many cars there are in the household, if there are three cars eg a normal car each for the parents and a third "spare" car that is the one that was in the accident there is a very good chance the car is the young drivers

b) Look at the car, does it have a better stereo than normal, is it modified etc, these can indicate its not the parents car.

c) When was the car bought eg was it bought around the time the driver passed their test.

d) They contact the dealer the car was bought from and ask who they sold it too, often the receipt is made out to the young driver or is the finance in their name

e) Speak to employers / colleges to find out if the parent drives to work or does the young driver drive to college and if so do they have a car park permit for it.

f) What sort of car is it, young drivers tend to go for certain vehicles

g) Listen to the tape when the claim was reported, often the young driver rings to report it and refers to the car as their car and the claims handler will normally ask if it was their car, you would be amazed how many will confirm its theirs.

h) Check with neighboors (You would be amazed what neighboors will say about other neighboors)

g) Some Insurers use lie detectors over the phone, if they don't use lie detectors they have staff trained in specialist questioning techniques to help indicate if someone is lying.

There can be many other things that indicate the car is being "Fronted". Where Insurers believe they have been deliberately misslead about the main driver they will investigate it as it is their pet hate. The parent can sometimes be prosecuted for fraud, the driver can receive a no insurance conviction and the claim be refused. In addition the Insurer will cancel the policy and once an Insurer has cancelled your policy in these types of circumstances the parent will find it virtually impossible to get cover for any type of Insurance again

Here are some of the Ombudsmans rulings on fronted vehicles

http://www.financial-ombudsman.org.u...disclosure.htm

Yea, they wont find out if you don't have an accident, but if in the case you are in an accident and someone is quite badly injured or something of high value is damaged, then the insurance are for sure going to investigate.

The best thing for you is just to get your own policy and add your parents as named drivers, this wont bring it down by much, but it will save you £100 or so, depending on their no claims.

I think my parents have unlimited NCB.

I like in Jakg's post where it says if the car is modified, it isn't the parents. The thing is, I know parents who have modified cars, so that's just bollocks in my opinion, just because it's modified, doesn't mean a young driver, drives it.

Like I said, I will most likely get my own insurance.

Ask the parents what mods they've done - if they don't know, then it's likely they haven't done it...

Quote from Jakg :

Ask the parents what mods they've done - if they don't know, then it's likely they haven't done it...

Well, you tell them what mods have been carried out on the car so if the insurance asks them, they can say what 'they've' done to it :P

i think jakg is secretly working undercover for the governments rogue insurance policy brigade.

Quote from sam93 :

.

I like in Jakg's post where it says if the car is modified, it isn't the parents. The thing is, I know parents who have modified cars, so that's just bollocks in my opinion, just because it's modified, doesn't mean a young driver, drives it.

Well I say bollocks to that, there's modified then there's 17 year old corsa modified.

Those parents you talk of, I bet they arn't driving little turd heaps that arn't even worth £1000, thus the mods they do actually make a differnce.

Quote from Bawbag :

Well I say bollocks to that, there's modified then there's 17 year old corsa midified.

Those parents you talk of, I bet they arn't driving little turd heaps that arn't even worth £1000, thus the mods they do actually make a differnce.

Hmm, yeah suppose, they've at least have had a couple of grand spent on them each and are all show cars.

Hmm. Been thinking about the BMW idea and I don't think it will be a good idea to get one as a first car. I'll probably have the erge to ditch the accelerator to the floor and try to get the ass end out. So I've decided to wait until I am about 18 so should then be able to afford a 318is. This means, I've decided to go with a FWD car for my first year.

I just want to know what cars spring to your mind that are around 90 to 105bhp that do 0-60 in about 10-12 seconds and are FWD. They will have to be at the most a 1.6.
I was thinking of a Rover 214 SI 16V or an MG ZR 1.4 but can't really see myself wanting to own a Rover lol.

Quote from danthebangerboy :

Thats what i thought, not easy, or not possible for insurance company to prove, unless of course you have fitted 7 sets of foglights, an exhaust louder than a jumbo jet on takeoff, 20 inch chrome alloys and a stereo system louder than a nightclub.

well in that case its probably a rices so they deserve it :P

Quote from sam93 :

Hmm. Been thinking about the BMW idea and I don't think it will be a good idea to get one as a first car. I'll probably have the erge to ditch the accelerator to the floor and try to get the ass end out. So I've decided to wait until I am about 18 so should then be able to afford a 318is. This means, I've decided to go with a FWD car for my first year.

I just want to know what cars spring to your mind that are around 90 to 105bhp that do 0-60 in about 10-12 seconds and are FWD. They will have to be at the most a 1.6.
I was thinking of a Rover 214 SI 16V or an MG ZR 1.4 but can't really see myself wanting to own a Rover lol.

Rover mini ?

you have to respect the classics.... at least it aint a corsa or soemething awful thats driven by chavs...

Polo

Seriously, I think the MG is actually quite a good little car, and parts are available quite easily for them despite Rover's demise.

The only thing about the ZR is that they are group 9 and £82 for 6 months tax, but apart from that 10.0 to 60 and they all have leather trim etc.

I just got one on Tuesday, the drivers seat has a little tear in the leather, central locking wont work with the key or the alarm, but these are just common things.

I would've preffered a corsa sxi but since I started wanting to buy them the prices went up....they are great value all round though, 12 to 60, group 3 insurance, cheap tax and 47mpg. Quite nice inside too, aslong as some chav has't replaced the standard CD player with some balupunkt' shiz.

Buy a bimmer when your 21, but get a proper one.

Quote from el pibe :

Rover mini ?

you have to respect the classics.... at least it aint a corsa or soemething awful thats driven by chavs...

You have to respect the classics, but when you go on the motorway, you can't really respect a one litre Mini then lol.

Quote from tristancliffe :

Polo

Seriously, I think the MG is actually quite a good little car, and parts are available quite easily for them despite Rover's demise.

You have to admit, the Polo is really aimed at the female market, it's still a pretty good car though as it's a VW lol.

That is the only thing putting me off of the MG, is that it's a Rover. I just need to know if they are still as shit as a base Rover lol.

Quote from Bawbag :

The only thing about the ZR is that they are group 9 and £82 for 6 months tax, but apart from that 10.0 to 60 and they all have leather trim etc.

I just got one on Tuesday, the drivers seat has a little tear in the leather, central locking wont work with the key or the alarm, but these are just common things.

I would've preffered a corsa sxi but since I started wanting to buy them the prices went up....they are great value all round though, 12 to 60, group 3 insurance, cheap tax and 47mpg. Quite nice inside too, aslong as some chav has't replaced the standard CD player with some balupunkt' shiz.

Buy a bimmer when your 21, but get a proper one.

I was thinking of waiting until I was 21 but, when you are 18, a 318is is affordable which is actually a very good car. Then sell that when I', 20/21 as insurance will be affordable on a 330, just whether my pockets will be deep enough to buy the car as I'll still be a student then. Although, student loans FTW.

Polos aren't really aimed at girls, and even then that shouldn't be a priority at your age.

The later Rovers aren't actually bad cars, they just had an image of being for the older driver. That doesn't mean they were unreliable, or badly made, just that they didn't have fancy bits of plastic that appeal to the shallower, younger driver.

Now you're seeing sense regarding drivetrain layout and car marque, you have to forget about the image or the intended market gender, and go for something that's cheap, safe(ish), reliable and not too depressingly slow.

Hmm, so do I go for the mg zr or a smaller car? :s

Don't buy an MG ZR... the suspension is literally set in concrete. I know it's the 'sport' version, but the IMO the harshness of the ride goes beyond what I could live with on a day to day basis.

Is it just me or am prematurely becoming an old man?

Quote from JO53PHS :

Don't buy an MG ZR... the suspension is literally set in concrete. I know it's the 'sport' version, but the IMO the harshness of the ride goes beyond what I could live with on a day to day basis.

Is it just me or am prematurely becoming an old man?

You must be then.

I'll probably change the suspension on it anyway, 40mm drop with some decent springs and decent dampers.