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Not so much boat insurance
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patj View Drop Down
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Joined: 16 Jul 04
Location: Wiltshire
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Posts: 642 		Post Options Post Options   Quote patj Quote  Post ReplyReply Direct Link To This Post Topic: Not so much boat insurance
    Posted: 18 Jul 12 at 6:39pm
Have yourself as the main driver but add your parents as named drivers (provided they have good driving record) as adding other experienced drivers brings down the cost. My daughter saved loads that way.
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timeintheboat View Drop Down
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Joined: 01 Feb 07
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Posts: 615 		Post Options Post Options   Quote timeintheboat Quote  Post ReplyReply Direct Link To This Post Posted: 18 Jul 12 at 9:37pm
Originally posted by patj

Have yourself as the main driver but add your parents as named drivers (provided they have good driving record) as adding other experienced drivers brings down the cost. My daughter saved loads that way.

Agreed both my wife and I are on my daughters policy (21) despite her living oop north. The only time I drive it is when we visit and need to borrow a car or it needs petrol or needs servicing. Mind you when it was here as the airport long stay, we used it lots. 

The other tip is don't live in a city. When she lives in a city centre her car is parked in an uber secure car park (i can never get in even with the damn fob). Darn sarf it was parked on the drive. were paying 700+ now paying 1100+.

Landrover expensive and you'll need to like playing with cars. Our ancient Corsa is awesome in the snow. The newer one we have is rubbish. Old jap stuff (Micra) etc is dull but will be much more reliable.
Like some other things - sailing is more enjoyable when you do it with someone else
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tomoore1 View Drop Down
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Joined: 03 Jun 08
Location: Wales
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Posts: 99 		Post Options Post Options   Quote tomoore1 Quote  Post ReplyReply Direct Link To This Post Posted: 19 Jul 12 at 7:49am
A few things to bear in mind when both buying and insuring your first car (from my experience from 2007/8 onwards).

1) Diesels are cheaper to insure than petrols (power to power).  Depending on your budget newer 1.3 turbo diesel engines are very good.  Otherwise look for an older 1.9L non-turbo.  For old diesels Peugeot are good but look out for dodgy electrics - the 306 is worth a look (IMO).
 
2)  Rav 4's are a very soft off roader - I currently drive them, the auto's are only front wheel drive, the manuals are permanent 4 wheel drive and are fine in hard rutted ground but get bogged very easily, particularly if not fitted with the expensive extra of diff lock.

3) Do not buy renault - they are great until 8 years old after which they fall apart.
 
4) Think about doing a pass pluss course.  If I remember it is 6 lessons and can help reduce your premiums.

5) Do not put yourself as a named driver unless that is the reality - it is highly illegal and invalidates the insurance - you could lose your liscence and get locked up if you have a crash.
 
6) In my experience putting only one parent on the insurance was cheapest.  The cheapest of the two was always my mother - despite neither having any crashes/ points.
 
7) If you are struggling to find money to buy and insure a car then you cannot afford it - remember everything else - servicing, breakdown cover, repairs, tyres, fuel.  It would be heartbreaking to own and insure a car which is sat on the drive!
Restoring Firefly 517
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robinft View Drop Down
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Joined: 18 Jun 04
Location: Thorpe Bay YC
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Posts: 252 		Post Options Post Options   Quote robinft Quote  Post ReplyReply Direct Link To This Post Posted: 19 Jul 12 at 8:55am
1) There is no reason why you cannot be a named driver on a policy in your parent's name PROVIDED that you are disclosed as the main driver. Failing to disclose this is what will get you in to trouble.
2) Anything that is capable of having a towbar fitted will tow a Laser - check before you buy the car.
3) A friend of mine towed his Contender to Italy behind a 2wd Panda!
4) If you really need a 4x4 what about a Panda 4x4?
Laser number 9
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doeywizard View Drop Down
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Joined: 16 Jun 10
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Posts: 150 		Post Options Post Options   Quote doeywizard Quote  Post ReplyReply Direct Link To This Post Posted: 19 Jul 12 at 6:31pm
I have looked a a panda 4x4 and the insurance is still stupid, it is about £6000 to insure. 

Thanks for the advice tho 
Topper 46148 for sale    
http://sailingdinghies.apolloduck.co.uk/display.phtml?aid=276804
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craiggo View Drop Down
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Joined: 01 Apr 04
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Posts: 1810 		Post Options Post Options   Quote craiggo Quote  Post ReplyReply Direct Link To This Post Posted: 19 Jul 12 at 7:46pm
The thing is, did you select the right Fiat Panda?

I think the version you need to be looking for was the one that was produced between 1983 and 2003 (although very little were produced after about 1996)

The modern one produced after 2005 will certainly cost you more.

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