My Insurance Been Cancelled

[autogloss valeting]

yeah..................again, policies that cover you 3rd party tend to be for over 25's again.

No way round it im afraid people, pay your insurance.....................and if you cant afford the insurance on a car...........................well then their is a bloody good reason for that!

Cheers

Mike

[lexynik]

and if youre going to try and bend the rules at all its probably best to avoid discussing it on open forum with policemen and allsorts ( no disrespect )

[D6NGR]

Thread closed. Can moderator remove this thread please.

[PCthug]

Another thing you can do is buy a cheap banger of a car and get insured on that, but have it on your insurance that you can driver any other car.

What this means is that you will have your own car and insurance, so will get no claims bonuses, but will also be able to drive your dads lexus on a third party basis whenever you want, providing he has insurance for it himself.

You may be able to get a decent car for £500 or so, and insurance for a grand or two. This will still be cheaper than you as a named driver.

I know a lad who does this. He is insured on a Fiat Punto, but drives 'his mams' Mitsubishi Evo.

BTW, he was grassed up to the insurance company for actually being the main driver.

How old was he.

20 years old i think.

[D6NGR]

was he bloody lucky git they won't even insure me on anything like that lol

[sparkystav]

yeah..................again, policies that cover you 3rd party tend to be for over 25's again.

No way round it im afraid people, pay your insurance.....................and if you cant afford the insurance on a car...........................well then their is a bloody good reason for that!

Cheers

Mike

Completly agree

[Rory]

in answer to your original question tho, stay away from the search engines (despite what Martin Lewis says) just shop around for insurance the old fashioned way, Adrian Flux, green light, sky, and various others people have mentioned, get a handful of quotes and play the companies off against each other

insurance is a vicious circle, people avoid following the rules cos insurance is too expensive, but then insurance is too expensive cos people avoid following the rules, best thing to do is follow the rules, then ur covered, and if you are careful and avoid a crash, it should only get cheaper

[PCthug]

was he bloody lucky git they won't even insure me on anything like that lol

They didnt insure him on it, they insured him on HIS car, which was a fiat punto.

His insurance allowed him to driver ANY other car, so it could quite easily have been a ferrari he drove as he would still have been insured on it 3rd party.

Its a crazy loophole that the insurance companies havent cottened on to yet.

What they should do is, if your insured on a 1000cc car, then you can only drive upto a 1000cc car, but they dont, they allow you to drive ANY car.

[04AAA]

Its a crazy loophole that the insurance companies havent cottened on to yet.

What loophole?

You have a smash in the Ferrari and the insurance company doesn't pay up for the damage to the Ferrari only to the person/object you crash into. You loose the insurance and any NCB on the Fiat.

[fashion_master]

I agree with Rory here, guess its the perks of being a 'older' driver well ok 28 y/o i am, i thought insurance co's were clamping down on people as named drivers using a car as a main driver few yrs ago i know lot people use to do this few still do so it seems like people buy a cheap runaround car so they be insured to drive another car under their parents name. :duh: another reason why insurance cost alot is people claiming when they shouldnt(false claims & claiming more than necceasary so they can spend more on goodies) did i say driving too fast then crashing due to car being too powerful & same reason why speed limit is 70 in uk, how many times you go 70 or little bit more & still get tailgated & seeing the car /lorry behind you flashing their headlights as they want to go faster, it be same story if speed limit is raised to 80 no wonder insurance is high :(

[PCthug]

Its a crazy loophole that the insurance companies havent cottened on to yet.

What loophole?

You have a smash in the Ferrari and the insurance company doesn't pay up for the damage to the Ferrari only to the person/object you crash into. You loose the insurance and any NCB on the Fiat.

Its the loophole that ALLOW people to LEGALLY drive cars FAR greater than they are initially insured for.

Yes of course there is always going to be the risk of crashing it, as there is the fiat (although more of a chance in the ferrari), and the chances are you will only have third party in any case (going by the cost of insurance for young drivers), so you will be out of pocket no matter what (by more so with a performance car).

If you dont crash it you build up a nice no claims discount and can legally drive a performance car for FAR less insurance than you would pay on the car itself, and that is if you could get insurance in the first place.

The OP would still have to fork out if he crashed the Lexus as i doubt he will have been fully comp.

It is still a loophole, and being a traffic cop i come across this, and know that there is nothing that can be done as it is legal.