insuring the r5

[djinuk]

Ok, here is the deal.

I currently insure my 306 1.9 td, 4 years no claims, 22 years old through admiral for £363

I now require to insure my r5 as a second car. garaged up , alarmed yada yada, barely 1000miles a year..

Most classic companys wont insure me as im under 25, adrian flux offered to insure it at £564 with £350 excess, and admiral offered to add it to my current policy for £672.

Ive contemplated getting the mother to insure it and putting me on as a additional driver.

Any thoughts on it?,

[Brigsy]

Ive drove cars as a named driver for years with no probs, do it.

[5GTTurbo]

https://www.hertsinsurance.com/

give them a try, they offered me the best price with all mods declared an i'll be going with them when i eventually insure the 5

[Wallace]

Try Footman James?!

I know for some (like me!) they've been excellent! and yet for others no joy, but must be worth a punt!

[djinuk]

unfortunatly footman james wont insure me until im 25

[robbie506]

named driver FTW your already building no claims on the other mota what you got to lose?

[djinuk]

thats what im thinking. im going to run my mum through some comparision sites when i get home i think, see what kind of prices it returns.

[Kris M]

Graham Sykes, they are very good with me at 22 years old with all mods declared, 450 quid TPFT

[robbie506]

thats what im thinking. im going to run my mum through some comparision sites when i get home i think, see what kind of prices it returns.

try not to use comparison site do it the old fashioned way with the phone you will get much better quotes.

[mike r5 gtt]

hate to bring this up but that is illegal and if you do have a prang you will get bent over!!and they will just chuck your claim out!:cry::cry:
i did it for years until my girlfriend got a job in insurance and saw how many hundreds of people they catch every week!!

[Brigsy]

How is it illegal being a named driver on a policy?

[robbie506]

How is it illegal being a named driver on a policy?


if your mum is not the main driver and you are then thats illegal who ever is the main driver has to be the main driver. if its proved your mum is not then insurance is invalid serious cash from your pocket points ect.

not sure how they prove your not the main driver though.

[mike r5 gtt]

it not illegal to be a named driver!
unless your using the vehicle as a main driver but claiming to only be a named driver.
its called "fronting" apparently!
i have no idea how they'd prove it tho??:scratch:

[JRP]

for example, you would have to change owners over to your mum rather than you to make it even begin to be plausable.

[robbie506]

for example, you would have to change owners over to your mum rather than you to make it even begin to be plausable.


yep and how many insurance companies will belive the 5 is the mums and not the young lads? still i would doit if i was in your position.

[mike r5 gtt]

wish my mum had a nice 5 gtt that she let me borrow :wasntme:

[Shane P]

wish my mum had a nice 5 gtt that she let me borrow :wasntme:

I had to give my mum a lift to work due to her car not starting, nice and gentle 30mph all the way for 10miles. She loves little French cars :)

Do this day she still thinks it's the deathtrap from hell :D

[Brigsy]

yep and how many insurance companies will belive the 5 is the mums and not the young lads? still i would doit if i was in your position.

If her names on the logbook there is no probs, the insurance company has no right to go accusing who is the owner.

If you have an accident you were only using it for a one off, right?;)

[robbie506]

If her names on the logbook there is no probs, the insurance company has no right to go accusing who is the owner.

If you have an accident you were only using it for a one off, right?;)


agreed i cant see how they could say otherwise. you just have a cool mum.

[djinuk]

well im only using it on the odd weekend, and to be fair my mum has a 2 x triumph stags aswell so i recon if they tried to accuse it would be easilly thrown out.

[robbie506]

well im only using it on the odd weekend, and to be fair my mum has a 2 x triumph stags aswell so i recon if they tried to accuse it would be easilly thrown out.


do it then buddy just be careful whats said on an open forum. if it will save mega bucks then do it more money in the pot to repair it. :agree::)

[djinuk]

my mum will drive it anyway, she drove my last one.. she describes it as feeling raw :D

[bigdavec1974]

Hey mate. I recently changed over to Adrian Flux, 10 years no claims 35 years old and performance direct wanted 600 quid third party fire and theft. Switched to flux, 5k year limited milage, no claims protected, fully comp, courtesy car, break down cover, 71 bucks deposit and 43 and month for 9 months, way less than a 500 quid, very happy with em tbh. They are worth a shot if you aint driving it alot, limited 3k or so would be worth looking into, gl mate

[dave j gtt]

Ive drove cars as a named driver for years with no probs, do it.

:agree: i drive gf's 09 micra , mams work horse peugot 405td and her lotus esprit as a named driver. As a named driver the car cant be in your name.

[dave j gtt]

wish my mum had a nice 5 gtt that she let me borrow :wasntme:

i got a gtt so i borrow her lotus esprit instead :wasntme: