N00 Car!

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Embattle

Guest
All this main/second driver shit is fine as long as you never get caught out.
 
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old.Anatoly

Guest
I thoought the problem with main/second drivers is that the second driver never earns any NCB, so it i s not worth doing.

It used to costt me over 400 to inusr eeemy 1.3 maestro at 21 :(

Oh yeah can someone tell me if i still have my contact lenses in.

Thx
 
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Will

Guest
Originally posted by throdgrain
it is yes.
itchy if you were not at fault then u r not a statistic is it?
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Doesn't work like that, since the stats go on drivers involved, not drivers at fault. And it affects my insurance, so I guess it must in some way.:mad:
 
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Summo

Guest
Originally posted by Anatoly
Oh yeah can someone tell me if i still have my contact lenses in.
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I heard a story that some guy kept trying to take his contact lenses out but they wouldn't budge. He was able to pull them off part way but then they snapped back against his eye.

After several attempts they caused incredible irritation so he went to an optician who informed him that he didn't have his contact lenses in, and had been attempting to pull his conjunctiva off. :/

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Durzel

Guest
Originally posted by Embattle
All this main/second driver shit is fine as long as you never get caught out.
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And therein lies the problem...

Insurance companies are definitely wise to the whole "Dad policyholder, son named" trick. As a rule they all quote for the youngest driver on the policy anyway, but most assume that as named driver you are not driving the car on a regular basis (usually more than 10% of the time).

A lot of them now actually specify that the car has to be registered in the policyholder's name (ie. Dad). In my experience insurance quotes generally follow a simple pattern (for men anyway):

- Car insured in parent's name only - base price
- As above but with named child - base price x 2
- Car insured in child's name - base price x 4

Dunno if this is true of all cars, but certainly of performance/hot hatches.
 
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throdgrain

Guest
itchy m8 if it wasnt your fault then it wont affect your insurance.pls trust me on that one.if it WAS your fault however ....:)
 
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stu

Guest
Me and Daz have been doing some calcuating actually over the past few days, re: the getting your car in your name and earning ncb vs getting the car in parents' name and not earning ncb. As a example:

A 1997 Mazda RX-7 in my name would cost me about £3300 (23 y/o, no NCB, no convictions, no claims, locked garage, etc etc).

The same car in my dad's name (51 y/o, same address, 5+ NCB, no claims, no convictions) with me as a named driver is £1300

Not that that's particularly cheap - take me off the premium and it drops to £550.

Daz found an almost identical situation with a Skyline R33 in terms of escalation of cost.

What this means is that, if you're young and have a high insurance car, there is basically absolutely no point in "taking the hit", insuring a car in your name and building up your NCB, as it will take about 15 years before you claw back the extra premiums on savings through NCB. And that's assuming you don't make a claim. Certainly, you should only even consider it once you're 25 (the first real drop in premiums) - the ideal situation of course is to get a job with a company car for a few years, as most insurance companies take that in lieu of NCB.

As for insurers not making any money, that is complete arse, year on year premiums are based on them maintaining an inflation-adjusted percentage as profit.
 
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*Exor*

Guest
Which is extremely expensive when you consider that your "BMW" (I'm loathed to even call it one) is an old crappy pile of lame shite that poor people buy so that they can say "I own a BMW".

Pauper.


Originally posted by frankie
for my BMW, with me as the main driver it would of cost me 2k

lol, and thats at 18, with 3 years NCB (used mop NCB)

with dad as main, and me as second, went down to 800

tis just stupid the way it works... all comes down to personal injury claims...

btw, beemers 318i
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*Exor*

Guest
Originally posted by Embattle
All this main/second driver shit is fine as long as you never get caught out.
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As long as you register the car in your parents name, there will never be a problem. That's what I've always done, and I've had an £8k claim closely investigated when it was made after *I* was driving during an accident.
 
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Embattle

Guest
As long as they can't prove you're the main driver then yes.
 
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old.Dr-Gonzo

Guest
Originally posted by Bodhi


Shame insurance on my Cinquecento Sporting (which is just as fast the the MGB) is only 300 a year. Not bad for a 21 year old (altho 4 years no claims helps)
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well i am 22 and have no ncb on the MG :)

Also - its not really a 1.8 - its 2.0 with all the trimmings :)
but keep that ssssh ok :D
 
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*Exor*

Guest
Originally posted by Embattle
As long as they can't prove you're the main driver then yes.
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And how do you propose they do that?
 
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Embattle

Guest
*WOMAN*

Well it's always important that you like your own car :)

Me personally I've not even had a driving lesson :D
 
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PR.

Guest
meh_baby.jpg


Sorry, just to make up for not photoshopping ya face

;) :p
 
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old.frankie

Guest
lol

exor, you are so gay

for one im not poor, for two you aint even seen / know of my BMW, so you have no base for your facts

in other words, you speak utter shite.
 
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Testin da Cable

Guest
lol tis nice Wazz matey :)
as I don't have a car I'll permit myself to turn a slight shade of green ;)
 
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*Exor*

Guest
Originally posted by frankie
lol

exor, you are so gay

for one im not poor, for two you aint even seen / know of my BMW, so you have no base for your facts

in other words, you speak utter shite.
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Um, I know you bought an old beat up shite 318 for Rude-Up purposes, because you told us. You thick twat.
 
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Embattle

Guest
Chill boys....none of your cars match my Kelin :p
 
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hec

Guest
318 bmw??? lol whats the point in that? if your gonna get a bmw get at least something with a bit more grunt!

as for me i only have a 2.9litre v6, does the job.

damn boy racers in their 318s!
 
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Hashmonster

Guest
well i pay 1600quids for my Xreg 206 - but i've had a bang already. It's fully comp in my name, and came in useful as even tho it was slow speed prang the respraying (pearlescent diablo red) was a hefty amount of the repair. Mainly the new bonnet being faded into the old wings...

enjoy your car mate - just don't crash :D
 
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Wazzerphuk

Guest
I'll try not to! :)

Hehe TdC. Maybe one day I'll give you a ride ;)

Oh and I worked out today what to spend Xmas money on. A n00 stereo system. I wouldn't have bothered, but the cassette player is b0rked, although the radio part still works fine. Problem is, the radio is SHIT, and I can't stand it, so I never listen to it.

Can pick up a Sony CD/Radio system that can play CD-Rs, some Kenwood speakers and get it fitted just after Xmas.

Then I need to see about a CD-RW, and I'll have thousands of tunes to listen to. :)
 
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old.Kez

Guest
Originally posted by Wazzerphuk
Can pick up a Sony CD/Radio system that can play CD-Rs
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Why did you feel you had to point out it could read CDRs?
What kind of shit stereo can't read CDRs?
 
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