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Not so much boat insurance

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doeywizard View Drop Down
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Post Options Post Options   Quote doeywizard Quote  Post ReplyReply Direct Link To This Post Posted: 18 Jul 12 at 11:04am
Thanks for the useful advice, I will certainly look at all the different options you have suggested, I just got a quote back from Flux and I was a named driver when asking for a quote and I have got a very good price back so I will look at the other cars and companies to compare 

Thanks 
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http://sailingdinghies.apolloduck.co.uk/display.phtml?aid=276804
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Post Options Post Options   Quote r2d2 Quote  Post ReplyReply Direct Link To This Post Posted: 18 Jul 12 at 11:20am
but if you are the main driver of the car, it is illegal to insure yourself as a named driver on your parent's policy - so check it out carefully
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radixon View Drop Down
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Post Options Post Options   Quote radixon Quote  Post ReplyReply Direct Link To This Post Posted: 18 Jul 12 at 11:51am
Originally posted by r2d2

but if you are the main driver of the car, it is illegal to insure yourself as a named driver on your parent's policy - so check it out carefully


Sure is, has a name which has passed me now....

I would get some experience before towing, at least have someone with you to start off with, afterall, a Laser trailer is light and narrow. After seeing a 4x4 towing a XC70 on a trailer this morning on the M40 (J2) it isnt something you want to do without knowledge.
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Post Options Post Options   Quote Ruscoe Quote  Post ReplyReply Direct Link To This Post Posted: 18 Jul 12 at 12:07pm
Unfortuantely nowadays its going to be expensive to insure any car at 17.  a Landrover Deffender is going to cost allot of money to maintain, fuel and run.  They are also expensive to insure.  If i were you i would look at something like a Fiesta or Corsa, it would happiuly tow a Laser and be cheap to repair/Insure as well as economic.  I remember being 17 and struggling to fuel my first car even at 72p (i think) per Ltr at the time!  These small light front wheel drive cars will almost certainly be better in the snow then some soft road 4x4 like freelanders, Rav4's etc.  Which have poor 4x4 systems fat tyres and are heavy.  There is no real cheap fix either, i guess you are just going to have to pay up for the next 5 years and make sure you are careful not to make any claims.  As i understand it insurance companies make little money from young male Drivers, the premiums are high to cover the risk and cost!  The chance are you will hit something, if not you i guarantee one of your mates will.
 
Maybe one of the reasons why so many 17-22 year olds drop sailing??

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Post Options Post Options   Quote doeywizard Quote  Post ReplyReply Direct Link To This Post Posted: 18 Jul 12 at 12:42pm
Just looked at an old fiat panda to insure as the main driver and go compare says my cheapest quote is 6300 despite saying the car is less than 1000 and very low annual millage. On a old fiesta 11,000
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http://sailingdinghies.apolloduck.co.uk/display.phtml?aid=276804
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Ruscoe View Drop Down
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Post Options Post Options   Quote Ruscoe Quote  Post ReplyReply Direct Link To This Post Posted: 18 Jul 12 at 12:59pm
Thats mental, at those premiums they just dont want to insure you.  Are you shopping around for insurance quotes?  The value of the car is largely immaterial as its what you hit that tends to cost the money to repair.  14 years ago when i was in your position (granted things have sadly moved on) but we used to have to ring round for hours trying to find a cheap quote.  Ask some of your friends who they insure with.

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Post Options Post Options   Quote olly_love Quote  Post ReplyReply Direct Link To This Post Posted: 18 Jul 12 at 1:05pm
dont use the websites, try giving the insurers a call as they can normally do deals and knock money off, also try to get your iam test done
put it this way, i drive a disco 3 2.7 at the age of 24 and pay under 450 a year to insure it fully comp. because my partner has her iam she brings it down,
but by calling them i got it down from about 650 to 450ish, as they dropped a few things off the policy that i would never use (world wide recovery compaired to eu)
TWO FRANK-Hunter Impala


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Post Options Post Options   Quote doeywizard Quote  Post ReplyReply Direct Link To This Post Posted: 18 Jul 12 at 1:09pm
Ye, I have looked at all of the specialist young driver policy such as I cube but they say that you can save a fair bit by having one of there tracking devices fitted, me and dad did some maths and found out that by the time you have payed for the tacker and for it to be installed I would only save about 50-100 and then I can not drive my car when ever I want or if I get stuck out after 10 o'clock I have to pay 150 fine. Some of my friends have classed there cars as agricultural cars and a few have old beetles which they insured for about 2000. My cheapest quote has been on a triumph herald.   I am going to ring up Adrian Flux as there quote with me as a named driver was like 500, this was 5000 pounds less than what compare the market quoted me as a named driver so I am deffo going to ring and find out what it is with me as the first driver.   (Ps   I am not going to be put on a policy as a named driver only as a first driver as my dad would not allow that in case of a crash)    
Topper 46148 for sale    
http://sailingdinghies.apolloduck.co.uk/display.phtml?aid=276804
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Post Options Post Options   Quote Buzz Quote  Post ReplyReply Direct Link To This Post Posted: 18 Jul 12 at 1:22pm

Good luck. Down in Cornwall 17 year old drivers are being quoted 2500 - 3500 for a 1000cc car.

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Post Options Post Options   Quote GybeFunny Quote  Post ReplyReply Direct Link To This Post Posted: 18 Jul 12 at 5:04pm
Originally posted by shadeux

You could try getting your parents to insure it and have you as a named driver. 
Dont do that, it is called 'fronting' and is illegal. By all means add your parents as named drivers, this may drop the premium for you. Look here:

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