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#1 Teh_singh

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Posted 17 May 2013 - 09:49 PM

Im 18 and am looking at some insurance for my fiesta.

 

I would like to include the benifit to drive other cars third party.

 

 

All companies say you need to be 25 apart from the co - op

 

 

 

Are there any other companies that allow you to drive other cars under 25 years old?

 

Thanks



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#2 FOCA

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Posted 17 May 2013 - 10:12 PM

Yes, you could get motor traders insurance or comercial insurance,(obviously you would have to be a motor trader / be in business- and be able to proove that :) ) you may be surprised how affordable it could be, alternatively try Adrian Flux   

 

I am insured for any car (including modified) for domestic and business use and have premium "get you home insurance" too - you would not believe how cheap it is - Strangely,  i can drive a 1000Hp GTR but not an Escort Cosworth - wierd,  huh?

 

With the modifications on my car in my signature it would probably cost a kings ransome to insure it if i was 18, and it only has 160Hp - insurance is a strange thing - there was a chap on here that said it would cost a fortune to insure a Fiesta with big brakes etc and it would be cheaper to insure a muck faster hot Corsa!   



#3 Teh_singh

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Posted 17 May 2013 - 10:18 PM

Yes, you could get motor traders insurance or comercial insurance,(obviously you would have to be a motor trader / be in business- and be able to proove that :) ) you may be surprised how affordable it could be, alternatively try Adrian Flux   

 

I am insured for any car (including modified) for domestic and business use and have premium "get you home insurance" too - you would not believe how cheap it is - Strangely,  i can drive a 1000Hp GTR but not an Escort Cosworth - wierd,  huh?

 

With the modifications on my car in my signature it would probably cost a kings ransome to insure it if i was 18, and it only has 160Hp - insurance is a strange thing - there was a chap on here that said it would cost a fortune to insure a Fiesta with big brakes etc and it would be cheaper to insure a muck faster hot Corsa!   

 

Could you maybe recommend any companies?

 

My parents own a construction business so maybe I could try trade.

 

What companies would you recommend for trade?



#4 DanGersFord

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Posted 17 May 2013 - 10:32 PM

Direct Line also offer it to under 25's my brother got it off them as soon as he passed his test

#5 Teh_singh

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Posted 17 May 2013 - 10:34 PM

Direct Line also offer it to under 25's my brother got it off them as soon as he passed his test

Really?

 

I checked the direct line website and they said you need to be 25

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#6 FOCA

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Posted 17 May 2013 - 10:36 PM

Speak to your parents about how you can sort something out (Legally and ethically, of course!)  

 

The Federation of Small Businesses can be very helpful, and can even obtain a discount, i recommend them



#7 DanGersFord

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Posted 17 May 2013 - 10:40 PM

He is on his girlfriends brothers insurance so thats maybe why but he's covered to drive any car and he's only 21 and passed his test just last year

#8 hubby1959

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Posted 18 May 2013 - 12:03 AM

He is on his girlfriends brothers insurance so thats maybe why but he's covered to drive any car and he's only 21 and passed his test just last year

That's very doubtful, as it usually only covers the policy holder to drive other cars third party, not named drivers.

 

If I remember it right the clause says: "The policy holder may also drive a motor vehicle not belonging to him or hired to him under a higher purchase agreement"

 

And as far as I know most companies won't give that entitlement to under 25's



#9 DanGersFord

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Posted 18 May 2013 - 12:06 AM

Honestly I didnt believe him myself but he phoned up and double checked and he definately is allowed to drive other cars obviously aslong as they have valid insurance

#10 DanGersFord

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Posted 18 May 2013 - 12:08 AM

His girlfriends brother has been with direct Line for 15 years so I dont know if its an added bonus or what. I meant his girlfriends brother is named on my brothers insurance

#11 Teh_singh

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Posted 18 May 2013 - 01:48 AM

His girlfriends brother has been with direct Line for 15 years so I dont know if its an added bonus or what. I meant his girlfriends brother is named on my brothers insurance

Ok, so your brother is the second driver?, I might call up and ask as my parents have had their Q7 insured with them for a while so I might see if I can get it ;)



#12 FOCA

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Posted 18 May 2013 - 02:12 AM

Using one persons to insure another if the other is in fact the main driver is called "fronting" and i believe is illegal - 

 

http://www.telegraph...r-children.html

 

i also spotted this -

 

http://www.guardian....e-costs-parents



#13 Stoney871

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Posted 18 May 2013 - 06:15 AM

If your name is on the V5 then you can not be insured on it as an additional driver.

Also, where a lot of people trip up is that they automatically assume that because they're fully comp they can drive anyones car.
That's not always the case, i recommend checking with the insurance company to confirm coverage and also a commonly overlooked point is that if you drive someone else's car it must hold insurance under the owners name.
Many people come undone on that one and get penalised for it.

#14 DanGersFord

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Posted 18 May 2013 - 07:50 AM

My brother is insured in his own right but his gfs brother is on the policy aswel

#15 DanGersFord

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Posted 18 May 2013 - 07:52 AM

And he has also phoned up and double checked that he is definatly coverred to drive other cars aslong as they hold valid insurance

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