Car Insurance at 17...

[LMS16]

Hey,

So Im close to doing my driving test but Im dreading my insurance quote. Im getting my PassPLus done for free wby my instructor so Ill have a little discount. But when I look for the quotes on cheap cars, Im still getting £4000+ quotes.

How old are you, what car do you have, what type of cover, how much you pay & where did you get the quote from?

Im only an apprentice on £100/week and cant afford £4000, any ideas how to get it cheap along with my own no claims ability?

Ta

Thread moved by Shar (Forum Moderator) from "Discuss Anything" as its better suited here!


Edited by Catzsy (Forum Super Moderator): Thread Closed as going way off topic and persistent arguments by some members

[myke]

So many threads about this...

Here:
http://www.habboxforum.com/showthread.php?t=665461
http://www.habboxforum.com/showthread.php?t=704776
http://www.habboxforum.com/showthread.php?t=701779
http://www.habboxforum.com/showthread.php?t=704102
http://www.habboxforum.com/showthread.php?t=692683

Good luck getting it any cheaper than 3k.

[redtom]

The only realistic way to get the insurance anywhere near a decent price is to setup a multi-car policy with at least 2 other cars and then put yourself of the 2ed driver on your own car, you'll see a massive drop by doing these 2, but being the 2ed driver can null most polices if they find out your the primary driver. You can also think about black boxes and restricted driving times which lower the quote alot.

You'll find that if you get a parent to ring them up and ask to setup a multi-car with you on they'll offer your insurance relatively cheap if your parents threaten to cancel there own insurance and move to another company.

PassPlus will lower it slightly but not to an affordable amount without doing any of the above.

[danzooo]

I'm 18 and I have a 2010 (59 plate) Renault Clio 1.2 turbo (100bhp), I have fully comp cover on Admiral Multicar with my mum's Vauxhall Zafira and my dad's Seat Ibiza Cupra on it too. I have a full clean license since August 2010, and I have a year's no claims. My renewal is due in August but by then I'll have 2 years no claims. At present, I pay just over £1400 per year.

[Jahova]

Look elsewhere. I know a 17 y/o friend who recently got quoted £1,200 on a half decent (like 2002) car.

[tdi]

20, Bora PD130, fully comp, £1200 and Admiral but I'm changing to Brentacre when it's due for renewal.

[J0SH]

Don't say the car will be parked on a public street or anything, say private rented garage or home garage. That'll knock the price a little. But it's all depended on what area too, if you live in a really posh area with low crime, insurance is low. If you live in the ghetto then insurance will be higher than average just to cover the car.. Tested it in London, they want £4000 in Hackney and like 80% cheaper in my new area. Lol.

[Jake]

Im 21 and pay £1578 a year on a 03, 2 litre clio sport with all modifications declared. Would be something like £1349 if i payed yearly but its easier for me if i pay monthly. & Before anything was changed i was quoted £900. I had a 97 1.4 fiesta 16v before this and was paying like £1150 a year

[.Shaun,,]

Cheapest I found was 3k on LV :/

[StefanWolves]

I had the same problem trying to insure me 2001 pug 106 quicksilver was being quoted £4,000 on my own. Ended up doing it slightly illegally but thousands of people do it and the police cant do nothing. Put someone over 55 (nan, grandad) as the policy holder, have the car in their name and have the money for the insurance paid from their account. Then have yourself as a named driver and pay your grandad/nan cash.

I did this and have been driving for 5 months and paying £180 per month.

Its the only way people my age can afford it tbh. Up to you if you want to take the risk, my driving instructor suggested it to me, he said hed done it for years just after he passed.

[GommeInc]

Tesco Car Insurance used to be pretty good when I was 17, you could give them a go. Unfortunately, as a new driver or someone hoping to get your own car, you're better off just digging a huge hole in your garden and burying yourself until you're about 21 or 25 (it varies) to get a decent quote. You could try an Admiral Multicar policy, but as redtom has mentioned, you can get in trouble if you're proven to be the primary driver.

[StefanWolves]

Thing is they cant prove it unless the police stop you like 5 times within a certain amount of time - which isnt going to happen.

Id take the risk, lots of people do it and they cant prove that youre the 'primary' driver.

The government really should do somethig about car insurance for young drivers, tho

[myke]

Thing is they cant prove it unless the police stop you like 5 times within a certain amount of time - which isnt going to happen.

Id take the risk, lots of people do it and they cant prove that youre the 'primary' driver.

The government really should do somethig about car insurance for young drivers, tho

Are you crazy? LOL Of course they can find out. They'll ask your neighbours, where you work, I don't think you understand the extent to which insurance companies will go to so that they don't have to pay out :S..

[StefanWolves]

Are you crazy? LOL Of course they can find out. They'll ask your neighbours, where you work, I don't think you understand the extent to which insurance companies will go to so that they don't have to pay out :S..
Are you taking the piss? My mom never even had a car crash and they were trying to make her claim for an injury she didnt have. Insurance companies dont give a ****, only thing they care about is getting ££

[myke]

Are you taking the piss? My mom never even had a car crash and they were trying to make her claim for an injury she didnt have. Insurance companies dont give a ****, only thing they care about is getting ££

No I'm not taking the piss but you obviously don't know how an insurance COMPANY ding ding ding BUSINESS works.

If an insurance company can find a reason not to pay then they'll be the first to use that reason. So because of what happened to your Mum, it makes all insurance companies idiots? I don't think so!! :)

[Recursion]

Are you crazy? LOL Of course they can find out. They'll ask your neighbours, where you work, I don't think you understand the extent to which insurance companies will go to so that they don't have to pay out :S..

Agreed. They will go and ask people who they see the car being used by most often, perhaps even go to your local garage to see who fills it up most often etc etc. Myke's right, insurance companies will find any way they can to get out from paying, no matter how petty! :P

[StefanWolves]

Wow are you lot really trying to scare this kid? Niceee.

[myke]

LMAO yes we are getting kicks from him having nightmares, rawr.

no.

it's called reality, welcome to it.

[StefanWolves]

Sorry, who died and made you king?

On your 'its about business bla bla bla you should learn' crap, my Distinction in A-Level business *REMOVED*

Back down to earth with a bump? welcome!

Edited by Infectious (Forum Super Moderator): Please do not be rude to other member!

[Triz]

It's true. Insurance companies have been known to hire out private investigators to find out if you are really the main driver on someone elses insurance (fronting). They go all the way, the full works so that the don't have to pay out. Especially if it is a claim that will cost them millions.. If it is a claim that'll cost them a couple of hundred, they won't even bother looking into it, they'll just take away your excess and pay you the remainder, not worth them even trying.

[myke]

Sorry, who died and made you king?

On your 'its about business bla bla bla you should learn' crap, my Distinction in A-Level business suggests you should shut your mouth.

Back down to earth with a bump? welcome!

LAV IT.

So suddenly you've decided that you'll resort to being rude because you know that me & recursion are right but you don't want to admit it incase it affects your e-rep? OK. Your A-Level in Business suggests that that has nothing to do with this thread at all LOL :S *throws my qualifications at you* OK. or not. and urm never said learning about anything so don't try and put words in my mouth! :D

So we'll just float back up into your little world and pretend that insurance companies don't do the things that I mentioned, because yanno, don't want people thinking you're wrong for once :O

CONGRATS ON YOUR DISTINCTION IN BUSINESS!! I'm so proud of you.

oh and look, sectional knows what he's talking about as well by the looks of things so you're going to tell all three of us that your A LEVEL IN BUSINESS *+*+*+*+* suggests we should shut our mouths? naaaaaaaaaaaaaa.

[GommeInc]

I'm not aware of insurance companies going out of their way to drive hundreds of miles to where you live with a clipboard to ask everyone who breathes the same air as you to find out if you're lying about your insurance documents. The only time you have to worry is if you have an accident and you blurt out that you drive the car more often than the primary driver, or act as the owner of the vehicle, even though it is up to a lot of debate when an accident happens and a claim has to be made. You could drive the car more than usual, it doesn't make you the primary driver. The primary driver is the one at the top of the list of drivers, the first on the policy - not just the one who drives the car often than usual - it's an interesting loop hole. I'm driving my mum's car a lot at the momen because it's awesome, if I have an accident they won't care because I am insured to drive that vehicle anyway - regardless of my age or if I am on top of the list of driver or not.

Your insurance company will not drive to your house to ask your neighbours who drives the car the most. Your insurance company will not go to the petrol station to waste their time and money to waste another organisations time and money to see if you're lying, even though filling up a car doesn't indicate in any way who is the primary driver (you could simply do it because you're the most comfortable filling the car). Your insurance company will not ring the police to ask them to monitor you (they will only do background checks IF it is necessary when creating the policy).

The only time they will waste their time and money is when you drive over someone, kill the poor buggar and leave the scene of the crime or cause a monumental accident, and even then it's difficult to prove - it all depends on if it is literally just you driving all the time.

So I think some of you are fear mongering and creating theories :P

[Josh!]

16.


Ford f-150

1.1k

[The Don]

i've got a quote (i'm 17) from Direct line, the price is £1750 (that's me as a named driver and my dad as the main driver, he has been driving for 15+ years and has 5 years no claims bonus) this quote is full comprehensive as well. Every other quote i've had has been £3-5,000!

---------- Post added 01-07-2011 at 11:53 PM ----------


It's true. Insurance companies have been known to hire out private investigators to find out if you are really the main driver on someone elses insurance (fronting). They go all the way, the full works so that the don't have to pay out. Especially if it is a claim that will cost them millions.. If it is a claim that'll cost them a couple of hundred, they won't even bother looking into it, they'll just take away your excess and pay you the remainder, not worth them even trying.

Are you for real? Link me to two or more instances of this happening please.

They won't hire out a private investigator, ask your neighbors for no real reason, only if you have an accident in the car, they will do this so they don't have to pay out, but, they wouldn't hire out a private investigator at all lol, it'd cost more than it's worth to the company. Original poster, don't listen to these people, Gommeinc and Stefan wolves speak sense.

[myke]

i've got a quote (i'm 17) from Direct line, the price is £1750 (that's me as a named driver and my dad as the main driver, he has been driving for 15+ years and has 5 years no claims bonus) this quote is full comprehensive as well. Every other quote i've had has been £3-5,000!

---------- Post added 01-07-2011 at 11:53 PM ----------



Are you for real? Link me to two or more instances of this happening please.

They won't hire out a private investigator, ask your neighbors for no real reason, only if you have an accident in the car, they will do this so they don't have to pay out, but, they wouldn't hire out a private investigator at all lol, it'd cost more than it's worth to the company. Original poster, don't listen to these people, Gommeinc and Stefan wolves speak sense.

LMAO another one that thinks he knows everything YAWNNNNNNNN this place is full of them.

ok so private investigator, what, 500 quid? paying your claim, 3000 pound? hmmm which one would you choose.

how else do you think people who stage accidents etc get caught? they're hardly going to just pay up are they :S:S:S:S

you've not dealt with an insurance company when there's been a crash yet soooo idk how you can comment

[The Don]

LMAO another one that thinks he knows everything YAWNNNNNNNN this place is full of them.

ok so private investigator, what, 500 quid? paying your claim, 3000 pound? hmmm which one would you choose.

how else do you think people who stage accidents etc get caught? they're hardly going to just pay up are they :S:S:S:S

you've not dealt with an insurance company when there's been a crash yet soooo idk how you can comment

I think I know everything? No, i don't. You seem to be the one persistently arguing with everyone acting like the king queen of the forum, the acts getting boring now though |-)

Have you dealt with an insurance company after a crash where you've found out they've hired a private investigator out on you? no you having, we both haven't, so were both equally in a position to discuss this.

[myke]

I think I know everything? No, i don't. You seem to be the one persistently arguing with everyone acting like the king queen of the forum, the acts getting boring now though |-)

Have you dealt with an insurance company after a crash where you've found out they've hired a private investigator out on you? no you having, we both haven't, so were both equally in a position to discuss this.

I'm not acting like the king my friend, trust me, if I was the king, the first thing I would do is banish all the sheep from my kingdom :L

Yeah, I have dealt with an insurance company after a crash where they've investigated it, just as they do any crash. (not my fault j/s) but because of the fact my insurance is in my name, and so's the car, there was no need for them to look into it any further. I also have friends that have been investigated, so I think I have the upper hand here?

taaa. :)

*sits on ma throne royally*

[The Don]

I'm not acting like the king my friend, trust me, if I was the king, the first thing I would do is banish all the sheep from my kingdom :L

Yeah, I have dealt with an insurance company after a crash where they've investigated it, just as they do any crash. (not my fault j/s) but because of the fact my insurance is in my name, and so's the car, there was no need for them to look into it any further. I also have friends that have been investigated, so I think I have the upper hand here?

taaa. :)

*sits on ma throne royally*

No, you don't have the upper hand, where have you proven that they hired a private investigator to find out information about anyone? also, how do you know a private investigator costs £500 to hire? you don't, that was just a pure guess.

Aha, banish all the sheep from your kingdom, nice one ;) unfortunately you won't be at the top of a kingdom for a long time 'my friend' you're just a graphics manager for a Habbo Fansite, which, if i'm not mistaken, you got fired from a few months back. As for the sheep part, I don't follow the herd, i voice my own opinion love, but i liked the joke, it was quite witty, for you...

[myke]

No, you don't have the upper hand, where have you proven that they hired a private investigator to find out information about anyone? also, how do you know a private investigator costs £500 to hire? you don't, that was just a pure guess.

Aha, banish all the sheep from your kingdom, nice one ;) unfortunately you won't be at the top of a kingdom for a long time 'my friend' you're just a graphics manager for a Habbo Fansite, which, if i'm not mistaken, you got fired from a few months back. As for the sheep part, I don't follow the herd, i voice my own opinion love, but i liked the joke, it was quite witty, for you...

Where did I say that the private investigator costs 500 quid exactly? Didn't, I said, what, meaning that was an estimate. Never said they hired a private investigator, but it gets investigated by the company :)! and I love how you're turning to trying to be rude now.

I can be a ***** too, but I shall leave you with your dignity and let you carry on pretending to be the big man around the public forums. It's just nice that I have PMs and posts that I can snigger at which you've made regarding this 'Habbo fansite graphics' malarky.

[The Don]

Where did I say that the private investigator costs 500 quid exactly? Didn't, I said, what, meaning that was an estimate. Never said they hired a private investigator, but it gets investigated by the company :)! and I love how you're turning to trying to be rude now.

I can be a ***** too, but I shall leave you with your dignity and let you carry on pretending to be the big man around the public forums. It's just nice that I have PMs and posts that I can snigger at which you've made regarding this 'Habbo fansite graphics' malarky.

500 what, meaning an estimate, meaning that comment actually has no substance what so ever and that you shouldn't of said it...

You didn't initially say they hired out private investigators, but sectional did, which is who I quoted originally, but then for whatever reason you got involved, and then estimated the price of a private investigator trying to back up sectionals comment and insinuating that insurance companies do hire private investigators. I'm not trying to be rude at all, you started that with your patronizing comment saying I think I know everything.

I don't really know which past pm's or comments you're on about, if you wish to pm me them if they actually do exist, then i'll be more than happy to comment about them.

And again, i'm not trying to be the big man on the forums, you're the one attacking everyone's posts, starting conflicts when it's not necessary, pretty sad if i'm honest. Go back to your 'throne' and shut the hell up, your boring the life out of me, bubye.

[myke]

500 what, meaning an estimate, meaning that comment actually has no substance what so ever and that you shouldn't of said it...

You didn't initially say they hired out private investigators, but sectional did, which is who I quoted originally, but then for whatever reason you got involved, and then estimated the price of a private investigator trying to back up sectionals comment and insinuating that insurance companies do hire private investigators. I'm not trying to be rude at all, you started that with your patronizing comment saying I think I know everything.

I don't really know which past pm's or comments you're on about, if you wish to pm me them if they actually do exist, then i'll be more than happy to comment about them.

And again, i'm not trying to be the big man on the forums, you're the one attacking everyone's posts, starting conflicts when it's not necessary, pretty sad if i'm honest. Go back to your 'throne' and shut the hell up, your boring the life out of me, bubye.

don't tell me what i can post.

i got involved because you told the OP to take no notice of our posts, soooo...

i'm not attacking everyones posts fyi, i'm not starting conflicts and aww it's sad if you're honest? i know something else that's sad, man i wish i wasn't such a faithful friend.

again, don't tell me what to do. if i'm boring you, then you don't have to read my posts. bye

i stand by what i've said and if you get caught then you could be risking all of your insurance, as well as any policies your parents hold because it's classed as fraud.

[The Don]

don't tell me what i can post.


i got involved because you told the OP to take no notice of our posts, soooo...

i'm not attacking everyones posts fyi, i'm not starting conflicts and aww it's sad if you're honest? i know something else that's sad, man i wish i wasn't such a faithful friend.

again, don't tell me what to do. if i'm boring you, then you don't have to read my posts. bye

i stand by what i've said and if you get caught then you could be risking all of your insurance, as well as any policies your parents hold because it's classed as fraud.

I love the irony in your first comment



you've not dealt with an insurance company when there's been a crash yet soooo idk how you can comment

You attacked Stefan Wolves after he posted, you attacked me after I posted, a nice little correlation is starting to arise.

You're such a faithful friend? I truly have no idea what that comment is about, again, feel free to pm me about it and then i'll respond to it...

"if you get caught then you could be risking all of your insurance, as well as any policies your parents hold because it's classed as fraud." No ones disputing this? glad we both agree on something.

Again, another post with no substance, I get the feeling you're just arguing for the sake of it and chucking any random word in.

[myke]

I love the irony in your first comment

You attacked Stefan Wolves after he posted, you attacked me after I posted, a nice little correlation is starting to arise.

You're such a faithful friend? I truly have no idea what that comment is about, again, feel free to pm me about it and then i'll respond to it...

"if you get caught then you could be risking all of your insurance, as well as any policies your parents hold because it's classed as fraud." No ones disputing this? glad we both agree on something.

Again, another post with no substance, I get the feeling you're just arguing for the sake of it and chucking any random word in.

I've not 'attacked' anyone actually, I've posted and then surprise surprise people have been rude to me because they feel that they might be wrong, so they're rude and it spirals from there. Don't particularly wish to PM you ta. I have other people that are more fun to argue with and don't take it personally that I'd rather argue with than you thanks. Thought you were leaving the thread because I was boring?

To sum this thread up..

Don't front insurance, it's illegal and can get you blacklisted, insurance companies aren't mugs.
If you have a garage, use it, it'll help.
Try to find public secure carparks that can be used during the day if possible rather than streets.
Look for smaller engine cars.
Look for cars that aren't necessarily stereotypical teen cars.
Look for cars which aren't too expensive either if you live in a 'bad area' (as deemed by the insurance company).
Possibly look at 'blackbox' car insurance, with trackers etc.
Try passplus, ring the company and see how much it'd reduce your premium (be careful some companies only use it during your first year).
Try and get provisional insurance now, it'll help start getting your no claims bonus up.

Good luck.

[tdi]

Insurance companies don't hire private investigators to check up on you day-to-day. They hire non-private investigators to investigate your vehicle in the instance of a crash. They also check other things, such as who is the ACTUALLY the main driver.

It's classed as insurance fronting when you put say, your dad as the main driver and you as a named driver. If you crash and you are found to be 'fronting' - your insurance policy will be void. Best that can happen - you'll have to pay for the repairs yourself. Worst that can happen - You have to pay for the repairs AND be prosecuted for no insurance which can carry 6 penalty points and a fine. I'm not telling you what not to do, as I did this when I was 17 to get it cheaper. Now, I've been on my own policy for two years.

[The Don]

I've not 'attacked' anyone actually, I've posted and then surprise surprise people have been rude to me because they feel that they might be wrong, so they're rude and it spirals from there. Don't particularly wish to PM you ta. I have other people that are more fun to argue with and don't take it personally that I'd rather argue with than you thanks. Thought you were leaving the thread because I was boring?

To sum this thread up..

Don't front insurance, it's illegal and can get you blacklisted, insurance companies aren't mugs.
If you have a garage, use it, it'll help.
Try to find public secure carparks that can be used during the day if possible rather than streets.
Look for smaller engine cars.
Look for cars that aren't necessarily stereotypical teen cars.
Look for cars which aren't too expensive either if you live in a 'bad area' (as deemed by the insurance company).
Possibly look at 'blackbox' car insurance, with trackers etc.
Try passplus, ring the company and see how much it'd reduce your premium (be careful some companies only use it during your first year).
Try and get provisional insurance now, it'll help start getting your no claims bonus up.

Good luck.


LMAO another one that thinks he knows everything YAWNNNNNNNN this place is full of them.

That comment seems like it's screaming for an argument, especially when I hadn't even spoke to you in this thread.

Aw, how sweet, i'm glad you've got other people to PM to argue with, don't make comments if you can't back them up, I'm not like shaz love, I'm not going to let people like you push me around.

[myke]

That comment seems like it's screaming for an argument, especially when I hadn't even spoke to you in this thread.

Aw, how sweet, i'm glad you've got other people to PM to argue with, don't make comments if you can't back them up, I'm not like shaz love, I'm not going to let people like you push me around.

that comment isn't screaming for an argument but it seems you are, after i clearly concluded my post with an overview for how to get the OP cheap insurance and here you go again.

http://www.habboxforum.com/showthread.php?t=707027&p=7181399#post7181399

i think you'll find the attitude in that post is overwhelming.

and i never said anything about pming anyone to argue :S:S:S

aw, how sweet, i'm glad you and shaz are discussing how much you hate me, i must be such a bad person. i'm not like shaz either, idk why you brung her into the thread. it has nothing to do with this thread.

now this is all.

-----



Don't front insurance, it's illegal and can get you blacklisted, insurance companies aren't mugs.
If you have a garage, use it, it'll help.
Try to find public secure carparks that can be used during the day if possible rather than streets.
Look for smaller engine cars.
Look for cars that aren't necessarily stereotypical teen cars.
Look for cars which aren't too expensive either if you live in a 'bad area' (as deemed by the insurance company).
Possibly look at 'blackbox' car insurance, with trackers etc.
Try passplus, ring the company and see how much it'd reduce your premium (be careful some companies only use it during your first year).
Try and get provisional insurance now, it'll help start getting your no claims bonus up.

Good luck.


----

http://www.habboxforum.com/showthread.php?t=707027&p=7181524#post7181524

he speaks sense

[The Don]

that comment isn't screaming for an argument but it seems you are, after i clearly concluded my post with an overview for how to get the OP cheap insurance and here you go again.

http://www.habboxforum.com/showthread.php?t=707027&p=7181399#post7181399

i think you'll find the attitude in that post is overwhelming.

and i never said anything about pming anyone to argue :S:S:S

aw, how sweet, i'm glad you and shaz are discussing how much you hate me, i must be such a bad person. i'm not like shaz either, idk why you brung her into the thread. it has nothing to do with this thread.

now this is all.

-----



Don't front insurance, it's illegal and can get you blacklisted, insurance companies aren't mugs.
If you have a garage, use it, it'll help.
Try to find public secure carparks that can be used during the day if possible rather than streets.
Look for smaller engine cars.
Look for cars that aren't necessarily stereotypical teen cars.
Look for cars which aren't too expensive either if you live in a 'bad area' (as deemed by the insurance company).
Possibly look at 'blackbox' car insurance, with trackers etc.
Try passplus, ring the company and see how much it'd reduce your premium (be careful some companies only use it during your first year).
Try and get provisional insurance now, it'll help start getting your no claims bonus up.

Good luck.


----

http://www.habboxforum.com/showthread.php?t=707027&p=7181524#post7181524

he speaks sense

Shaz is offline and asleep, hardly discussing anything with her, I used that as again, another instance of you attacking someone (i was merely pointing out that i'm going to defend myself against you and that i'm quite capable of defending myself, where with shaz, you were picking on someone A LOT younger than you...), you really are malicious. Yes, you concluded your post with some information about car insurance, after having made comments towards me. I fail to see any attitude in the post which I made originally, I guess some are more sensitive than others..

===

back on topic.

To get my insurance cheaper, we got an insurance group 2 car, which is a Peugeot 206, the lower the group it's in, the cheaper the insurance.

If you live in a low crime area, your insurance will drop significantly, my friend who lives in a rough area did the exact same quote as me and had like an extra £1000 on top.

[myke]

Shaz is offline and asleep, hardly discussing anything with her, I used that as again, another instance of you attacking someone (i was merely pointing out that i'm going to defend myself against you and that i'm quite capable of defending myself, where with shaz, you were picking on someone A LOT younger than you...), you really are malicious. Yes, you concluded your post with some information about car insurance, after having made comments towards me. I fail to see any attitude in the post which I made originally, I guess some are more sensitive than others..

===

back on topic.

To get my insurance cheaper, we got an insurance group 2 car, which is a Peugeot 206, the lower the group it's in, the cheaper the insurance.

If you live in a low crime area, your insurance will drop significantly, my friend who lives in a rough area did the exact same quote as me and had like an extra £1000 on top.

im not going to argue in this thread anymore, it's going to become useless to the OP.

fyi insurance groups are changing on certain cars (206s being one of them) this year so i'd check out the new insurance groups before you buy :)

---------- Post added 02-07-2011 at 01:49 AM ----------


Shaz is offline and asleep, hardly discussing anything with her, I used that as again, another instance of you attacking someone (i was merely pointing out that i'm going to defend myself against you and that i'm quite capable of defending myself, where with shaz, you were picking on someone A LOT younger than you...), you really are malicious. Yes, you concluded your post with some information about car insurance, after having made comments towards me. I fail to see any attitude in the post which I made originally, I guess some are more sensitive than others..

===

back on topic.

To get my insurance cheaper, we got an insurance group 2 car, which is a Peugeot 206, the lower the group it's in, the cheaper the insurance.

If you live in a low crime area, your insurance will drop significantly, my friend who lives in a rough area did the exact same quote as me and had like an extra £1000 on top.

im not going to argue in this thread about silly accusations anymore, it's going to become useless to the OP.

fyi insurance groups are changing on certain cars (206s being one of them) this year so i'd check out the new insurance groups before you buy :)

[GommeInc]

LMAO another one that thinks he knows everything YAWNNNNNNNN this place is full of them.

ok so private investigator, what, 500 quid? paying your claim, 3000 pound? hmmm which one would you choose.

how else do you think people who stage accidents etc get caught? they're hardly going to just pay up are they :S:S:S:S

you've not dealt with an insurance company when there's been a crash yet soooo idk how you can comment
I think someone is playing the hypocrite here... You're acting hysterical and paranoid, an Insurance company will not hire out a private investigator for everyone - £500 x a few million customers? Wow, good expenditure plan here. They only do so in the case of a major incident, you're acting as if they do it all the time, which they do not - especially when you make a whole song and dance yet post no evidence... People who stage accidents get caught because a prviate investigator is caught out of if there are abnormalities in their claims when accidents are persistant. They get evidence from the scene of the accident, statements and then look at anything from phone calls and using CCTV footage.

Also, I don't think an Insurance Company wants the hassle of dealing with breach of confidence claims and be faced with hefty fines for encroaching on someones privacy, just to see if they're lying about their insurance documents, which would be impossible and expensive to prove in most cases.

Are you getting your information from CSI? It seems a bit fictional than factual.

[danzooo]

This whole thread is just one big tl;dr so I'll add my point, and if someone's mentioned it before, then I don't give a ****.

Man's saying insurance companies hire private investigators to check for fraudsters - yes they do. They're hardly SAS trained James Bond style spies but they do have the power and abilities to find out if you are what you say you are and you do what you claim to do. The main one is scouring for people who haven't declared modifications to cars, and insurance companies have been known to look through websites like barryboys, and a plethora of car club forums and message boards to check that members who post pictures of their modified cars have declared their mods.

A fine example of this actually happening was when this guy's Focus ST was posted on Barryboys (http://www.barryboys.net/phpBB2/viewtopic.php?f=1&t=34523) (skip to page 3).

[GommeInc]

A fine example of this actually happening was when this guy's Focus ST was posted on Barryboys (http://www.barryboys.net/phpBB2/viewtopic.php?f=1&t=34523) (skip to page 3).
Are you sure this wasn't the DVLA? It's unlikely an insurance company did that, there's more evidence that the DVLA got involved or did the investigation as they're the ones that hold the licenses for the cars. An insurance company are only going to care if a claim has been taken out, they won't bother hiring investiagors for new or renewed policies when doing so means they're wasting money and chasing something that could be harmless. They only care if the vehicle is in an accident, it's what they're there for. The DVLA are the ones that do ongoing investigations into cars :)

[danzooo]

Are you sure this wasn't the DVLA? It's unlikely an insurance company did that, there's more evidence that the DVLA got involved or did the investigation as they're the ones that hold the licenses for the cars. An insurance company are only going to care if a claim has been taken out, they won't bother hiring investigators for new or renewed policies when doing so means they're wasting money and chasing something that could be harmless. They only care if the vehicle is in an accident, it's what they're there for. The DVLA are the ones that do ongoing investigations into cars :)


It was definitely the insurance company, the guy hadn't declared the mods on the car:


Just a suggestion here and i'll make this polite.I would suggest removing all information to do with the Topic entitled "Focus STrewth what was he thinking" before a law suit is bought to the fore. The person who made this topic has no rights to the pictures and due to the number plate also being displayed within these images from an ebay advert, resulting in contact from the owners insurance company(due to the images being posted on YOUR site)...i would suggest this request is complied with and rectified before further action is taken. I have read your disclaimers upon registration to the site and it is quite clear that this topic does NOT comply with YOUR regulations. Many Thanks.

[awelsh]

CBA to read all of this as its just one massive ***** fight.

Basically the insruance company could investigate teh crash further if its going to cost them a hell of a lot, but I highly doubt they would bother.

My friend has crashed twice, each one costing £5,000 roughly, with him driving and him down as a named driver when really they were his cars, nothing came of it.

My first insurance was fronted as a company car, when I crashed that nothing came of it either.

I dont really agree with fronting myself even though I did it (only for 2 days) but I can see why others will do it because of the stupidly high price for insurance on shocking cars.

[LMS16]

Ok, so after reading through 5 pages of arguments, I managed to get a good deal.

I passed on the 5th July, Im 17.

Under my own policy, I got £2697 (3rd party) - this includes loads of extras like recover/key loss etc...

£405 deposit.

Im really suprised how low I got it (£500 knocked off due to pass plus) :)!

AdrianFlux.com is the place :)

This was for a Saxo Desire 1.1 :)

Lew.

[StefanWolves]

Someone has a rite attitude problem. Your scare mongering has already proven to be just that, scare mongering.
I'm not aware of insurance companies going out of their way to drive hundreds of miles to where you live with a clipboard to ask everyone who breathes the same air as you to find out if you're lying about your insurance documents. The only time you have to worry is if you have an accident and you blurt out that you drive the car more often than the primary driver, or act as the owner of the vehicle, even though it is up to a lot of debate when an accident happens and a claim has to be made. You could drive the car more than usual, it doesn't make you the primary driver. The primary driver is the one at the top of the list of drivers, the first on the policy - not just the one who drives the car often than usual - it's an interesting loop hole. I'm driving my mum's car a lot at the momen because it's awesome, if I have an accident they won't care because I am insured to drive that vehicle anyway - regardless of my age or if I am on top of the list of driver or not.

Your insurance company will not drive to your house to ask your neighbours who drives the car the most. Your insurance company will not go to the petrol station to waste their time and money to waste another organisations time and money to see if you're lying, even though filling up a car doesn't indicate in any way who is the primary driver (you could simply do it because you're the most comfortable filling the car). Your insurance company will not ring the police to ask them to monitor you (they will only do background checks IF it is necessary when creating the policy).

The only time they will waste their time and money is when you drive over someone, kill the poor buggar and leave the scene of the crime or cause a monumental accident, and even then it's difficult to prove - it all depends on if it is literally just you driving all the time.

So I think some of you are fear mongering and creating theories :P

---------- Post added 10-07-2011 at 09:12 AM ----------

Love how 'The Don' totally shut you up.
I love the irony in your first comment



You attacked Stefan Wolves after he posted, you attacked me after I posted, a nice little correlation is starting to arise.

You're such a faithful friend? I truly have no idea what that comment is about, again, feel free to pm me about it and then i'll respond to it...

"if you get caught then you could be risking all of your insurance, as well as any policies your parents hold because it's classed as fraud." No ones disputing this? glad we both agree on something.

Again, another post with no substance, I get the feeling you're just arguing for the sake of it and chucking any random word in.

[GommeInc]

Someone has a rite attitude problem. Your scare mongering has already proven to be just that, scare mongering.

---------- Post added 10-07-2011 at 09:12 AM ----------

Love how 'The Don' totally shut you up.
Were you meant to quote me? I'm not sure what The Don had to say correlates with what I said. Just wondering :)
EDIT: Ah I think I know what you've said, ignore me :P You were quoting me to prove a point against someone else. Slow brain day :P

[StefanWolves]

Yea sorry didnt mean to quote you meant to quote 'myke', he hasnt posted for a bit, cat got his tongue?

[myke]

Yea sorry didnt mean to quote you meant to quote 'myke', he hasnt posted for a bit, cat got his tongue?

No, I've not been reading this thread because surprisingly the OP has had his problem sorted and doesn't need any help anymore, and I'm not going to stoop to your level of childishness again, because it seems that you'd started to argue and then ran away and let the Don and Ryan continue to debate with me. Even now you're trying to get an argument going again, even after Danzoo and tdi explained (who are knowledgable when it comes to stuff like this) and posted evidence of it happening. Your argument of 'scare mongering' is just laughable, I'm not going down that route again.