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Re: Car Insurance

Postby Bel Bel » Mon Apr 27, 2009 11:06 am

TO GET IT CHEAPER YOU DAD WOULD HAVE TO BE THE MAIN DRIVER AND YOU WOULD HAVE TO BE THE NAMED DRIVER
sorry on caps :lol:
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Re: Car Insurance

Postby rufio89 » Mon Apr 27, 2009 11:17 am

Im starting to think you're not sorry about all these caps at all BelBel... you keep apologising, getting our hopes up, but then carry on shouting at us alllll the time :P

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Re: Car Insurance

Postby Bel Bel » Mon Apr 27, 2009 11:22 am

i'm just loud like mr noisey :lol: :lol:
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Re: Car Insurance

Postby snail » Mon Apr 27, 2009 11:38 am

The best one was that thread the other day where she was shouting about anal sex :rofl:
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Re: Car Insurance

Postby RagDoll » Mon Apr 27, 2009 11:43 am

lol that made me laugh Snail.

I don't want to put my Dad on as the main driver as I won't be building up my own no claims then. I'm just going to do some shopping around and see how cheap I can get it. I wish everything wasn't coming at the same time e.g. servicing, MOT, tax! :(
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Re: Car Insurance

Postby Bel Bel » Mon Apr 27, 2009 12:52 pm

i'm sure direct line let the name driver build up no claims
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Re: Car Insurance

Postby dipsydoodlenoodle » Mon Apr 27, 2009 3:01 pm

I just added my dad as a named driver and said he has access to another car (I said I didn't) and it decreased the cost of my insurance considerably a few years ago.
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Re: Car Insurance

Postby RagDoll » Mon Apr 27, 2009 3:04 pm

I tried that and it didn't make a difference with regards to confused.com - will try it when I go to indivdual companies and type in my details though.
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Re: Car Insurance

Postby dipsydoodlenoodle » Tue Apr 28, 2009 8:35 am

Mine hasn't reduced over the last few years adding my dad. I think it only works if you have less than a couple of years no claims.
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Re: Car Insurance

Postby ennis81 » Tue May 05, 2009 10:37 am

I had a crash last year and was only left with 1 year no claims bonus (have been driving for 5) Got a renewal in the other day for for Third Party @ €1100!!!! SHOCK HORROR :evil:
So I contacted a few insurance brokers and have gotten fully comp insurance for €500 less than half of what the other crowd were trying to charge, Shop around :wink:
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Re: Car Insurance

Postby Bel Bel » Tue May 05, 2009 11:08 am

DIRECT LINE DO NOT USE ANY COMPRE SITES SO THEY WON'T BE LISTED - on caps again :oops:
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Re: Car Insurance

Postby dipsydoodlenoodle » Tue May 05, 2009 12:34 pm

Direct line wouldn't insure me :cry:. I'm too "unsafe" a driver...even though a bus drove into me and I didn't claim on my insurance and didn't loose any no claims (it was settled out of insurance companies - only AFTER I'd called my insurance company to report the accident).
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Re: Car Insurance

Postby Bel Bel » Tue May 05, 2009 2:23 pm

thats a bit harsh :o
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Re: Car Insurance

Postby dipsydoodlenoodle » Tue May 05, 2009 2:45 pm

Bel Bel wrote:thats a bit harsh :o


You are telling me! I was joking at the time I wouldn't have minded so much about being "uninsurable" if the accident was my fault but it wasn't.
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Re: Car Insurance

Postby jen » Mon May 11, 2009 11:52 pm

I don't know if i'm a bit late with my reply here but i work for an insurance broker and deal mainly with personal lines car insurance. The points you need to remember are:

You cannot insure a car unless you are the owner and registered keeper (the only time this doesn't apply is when it's insured and spouse)
Also most companies base the quote on the youngest driver named on the policy if there is more than one vehicle in the household
If you advise them that the car is kept at your parents address and have a claim, it can create problems (remember most companies will try and find any excuse in order to not have to pay out) and sometimes even make your policy null and void.
If you increase your excess it can make the premium come down but again if you have a claim, it may not even be worth puting it to the company as by the time the excess is taken into account, you could be left with very little (and sometimes no) compensation.

A lot of our clients tend to be coming to us with better quotes from churchill and Direct line so maybe try them? Also, you could do what one of the other posters said and go to your current company and advise you have found a cheaper quote elsewhere and are wondering if they'd be able to do something with your premium. Don't be afraid to do this as most places have a fund to play with that they can dip into to bring peoples premiums down in order to retain the business. I know we're able to do this so it might be worth a try.

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