Car Insurance for my son

[Dibs-h]

Dibs - I tried to imply that it is best not to presume that a tpft noclaims is always transerrable to comp.

Some insurance companies may argue that moving from tpft to comp puts them under higher risk, therefore the tpft no-claims is not relevant - it is effectively changing the type of insurance. I believe it is worth checking

Dave

Dave - I know what you mean, but for an Ins Co to do that would be to completely take the p!ss in my book. I know they'd rather not pay out - but denying someone their NCB because it was earned from TPFT and saying it was invalid on a Comp policy, I believe would be taken dimly by the relevant Ombudsman.

As you suggest, worth checking if someone was concerned - but I suspect if we'd had had that type of "creep" the motoring press would have been up in arms.

Cheers

Dibs

 

[Chems]

Try a 15 year old ford fiesta on third party only

Don't do this, he will have a crash, its part of been a young boy, well likely that he will, and when he does you want him hitting airbags and the car not crumpling around you. I've got some great pictures of the difference between very old cars and ones built in the last 5 years and what happened to the people inside if it will help you get a good car.


.

Chems

I'm with you on this one.

My daughter had a smash 7 years ago in her old Corsa ( fell asleep at the wheel after a long shift at the hospital - student nurse ).

She was really lucky to survive and had a number of very serious injuries (OK now and graduated with distinction this year), but it brings home forceably just how vulnerable kids are in "old bangers"

She's got one of the new fiestas now and it's a very safe car!

Just have to bite the bullet with the insurance 'cause if it's "fiddled" and there's an accident, the insurance is probably voided and there could even be a case for prosecution of driving whilst uninsured - that would stop future insurance for years!

Bob

Its amazing the leap in safety, we are seeing new cars in which to occupant should be stone dead and they are walking out.

 

[ste_5150]

Sorry, I know the conversation has progressed beyond the OP, but I strongly suggest you look at this guide. I've saved every year through using it, and I'd guess it's probably put £500 back in my pocket over about 5 years. Takes a little time, but is usually worth it!

http://www.moneysavingexpert.com/insurance/compare-cheap-car-insurance

 

[slemishwoodcrafts]

try NFU mutual for your insurance. They insured me fully comp on a 2007 corsa for 1300. (I am 19, and have a medical licence and am only starting to drive in 3 weeks)

In my experience with dealing with the insurance companies whilst i was searching for my new car, the newer the car the lower the policy price. about 6 or 7 of the companies I tried said this, saying because the car was worth more you were more likely to take care of it. Crazy I know, but thats what i was told

Michael

 

[Lons]

try NFU mutual for your insurance. They insured me fully comp on a 2007 corsa for 1300. (I am 19, and have a medical licence and am only starting to drive in 3 weeks)

In my experience with dealing with the insurance companies whilst i was searching for my new car, the newer the car the lower the policy price. about 6 or 7 of the companies I tried said this, saying because the car was worth more you were more likely to take care of it. Crazy I know, but thats what i was told

Michael

It does tend to be true Michael even though it sounds silly but the most common reason for cheaper on newer models is that most claims are for panel damage as major collisions are frequently write offs and panels are cheaper and very much quyicker to replace on new models.

My brother in law is a manager at an approved bodyshop and the rates they are allowed are an eye opener. (They have to be quick to make money).

Also, a major pay out relates to passenger injuries and in our "claim for everything society", these are significantly less in a modern vehicle compared to an old one.

Bob

 

[monkeybiter]

Thanks for the tips and interesting discussion, we already have the Bravo so that's not a variable, he's entered an enquiry on the NFU Mutual site, now waiting for the sale 'phone call.
I did find, to my surprise, that fully comp was a couple of hundred pounds less than TPFT.
Got my fingers crossed for him this morning.

 

[slemishwoodcrafts]

did you get the insurance sorted in the end?

Michael

 

[monkeybiter]

Unfortunately, everything was going very well until a silver Tigra sped past just as he was pulling away, the examiner saw it a fraction of a second before my son, instant fail. :evil: The examiner told him to book a a cancellation a.s.a.p. as he would have passed if not for the speeder.

So we got a stay of financial execution until the fourth of August.

I tried the NFU, can't insure young drivers that don't already have buisiness with them. Tried fully comp. instead of TPFT, £200 cheaper! :shock:

 

[Anonymous]

its been almost 12 years since i got my first car insured, but i used these guys

http://www.insurancefactory.co.uk/

and they were by far the cheapest, if i remember rightly. my first quote i got was 2700 for a 1.4 corsa.

then played them all against each other. (they say "whats the cheapest you have had so far" i say 1500 quid", they say if you sign up now we can do 1400" then you call someone else and say the cheapest is 1350 etc etc)

i think i got mine down to 1100 quid which was the cheapest and was underwritten by zurich.