Insurance

[jims-terrano]

Who do people use for insurance and what sort of money are you paying.

Mines with Directline and they're wanting £403.00 for me and the wife fully loaded and not forgetting my 3 points. It doesn't do as many miles so just waiting to see if they'll drop the premium.

Jim T

 

[rustic]

I was just about to start a new thread on insurance, I hope you don't mind me adding to your query Jim.
My daughter has a car and she is going to stop the insurance soon.
Can I drive the car on my Maverick insurance 3rd party, OR does the car have to be insured in it's own right before I can drive it legally.
Clearly if seen by the police it would come up as having no insurance and the inevitable STOP.. but can I drive it legally?

 

[extreme-4x4]

NFU for me
bout 500 with 2 crashed last year

 

[dsgrnmcm]

My insurance is 480 fully comp,legal cover ad wind screen, but no road side recovery. but it does include my k&N.

Ref Rustic's question.

my policy is fully comp,and a little line on the bottom of the isurance certificate says

"may drive any private vehicle with the owners permission (not including hire or lease vehicles)

The old myth of fully comp meaning u can drive any car at 3rd party is a load of pants.

It all depends on the driver and insurance policy.

hope it helps.

 

[extreme-4x4]

I was just about to start a new thread on insurance, I hope you don't mind me adding to your query Jim.
My daughter has a car and she is going to stop the insurance soon.
Can I drive the car on my Maverick insurance 3rd party, OR does the car have to be insured in it's own right before I can drive it legally.
Clearly if seen by the police it would come up as having no insurance and the inevitable STOP.. but can I drive it legally?

if your policy covers you then yes , but they usually require it to be insured by the owner too. and you cant be the owner of said vehicle

 

[tezzer]

if you are fully comp you cannot drive another vehicle unless it is insured by the owner, it should state may drive any motor car with permission of owner,but in you schedule it will say it must be insured. only traders policy will cover any car

my wifes policy with me on as spouse, full comp, protected, windscreen and courtesy car cost £190.00.

 

[extreme-4x4]

if you are fully comp you cannot drive another vehicle unless it is insured by the owner, it should state may drive any motor car with permission of owner,but in you schedule it will say it must be insured. only traders policy will cover any car

my wifes policy with me on as spouse, full comp, protected, windscreen and courtesy car cost £190.00.

christ tezzer .................. you must be really old then :augie:augie:augie

 

[tezzer]

no mate 53, but i spend days checking for a good deal, i dont have legal protection because i have it with the rac and it covers everything. my transit camper costs £131.00 a year, escort cabby £126.00 a year. shop around mate.:naughty

and im a good boy, never been nicked, no points, nor the wife. and im sure that all convictions
come up on there computer, even after 10 years.

 

[extreme-4x4]

no mate 53, but i spend days checking for a good deal, i dont have legal protection because i have it with the rac and it covers everything. my transit camper costs £131.00 a year, escort cabby £126.00 a year. shop around mate.:naughty

and im a good boy, never been nicked, no points, nor the wife. and im sure that all convictions
come up on there computer, even after 10 years.

53 younger than lord croupade then :lol:lol:lol:lol:lol:lol:lol



convictions what are you insinuating ?:augie:augie:augie:augie:naughty:naughty:naughty

 

[paulp]

I am insured with sureterm direct
1996 (N) 2.7td Mistral Inevitably loaded, the excuse being, it is an import with all the extra shiny stuff, but that is about £300 fully comp for me
(42 yo) and mrs p.(45 yo)
(dearer than my 3.9 disco????? £280:nenau)
Frontera 2.4i LWB £220

sureterm direct is on 08452020230] The people on the phones, obviously work on phones for a reason, especially renewals but they are the cheapest and most comprehensive with reasonable xs so be patient.:thumb2:thumb2

regards paulp

 

[Terranosaurus]

But don't change vehicle or modify it mid term with sureterm - they may be cheap to start with but they get it back if you change the policy mid term - cost a fortune to change vehicle last year over half of it was broking fees as the paperwork itemised it when it came through.

I went to NFU when it ended - paid £150 less, for unlimited milage and business cover where with sureterm I had 5000 mile SDP only policy.

 

[dinky]

JT Try Chris Knott Ins,cheaper than my last broker and covers everything.

 

[tezzer]

i forgot to mention my insurance company,--saga for t2 and cabby, cant remember the other company.:doh

 

[lacroupade]

i forgot to mention my insurance company,--saga for t2 and cabby, cant remember the other company.:doh

I won't go to Saga on principle. My missus rips the piss out of me :doh

And re the other points; yes you can drive other vehicles third party cover only, but only if (i) it says so on your certificate (lots of insurers no longer allow it), and (ii) the other vehicle is insured by the owner. :thumbs

 

[tezzer]

I won't go to Saga on principle. My missus rips the piss out of me :doh

And re the other points; yes you can drive other vehicles third party cover only, but only if (i) it says so on your certificate (lots of insurers no longer allow it), and (ii) the other vehicle is insured by the owner. :thumbs

why does she take the piss out of you? :nenau

 

[lacroupade]

why does she take the piss out of you? :nenau

just cos she's not 50 yet:doh so cruel...

 

[andrewk]

2005 Patrol SVE - fully comp inc NCD protection £341 with Liverpool Victoria. Only one driver, no claims. It's actually cheaper this year with LV than last

 

[Adz]

I'm with HIGHWAY
£380 Fully Comp
6 points
IN10

(for doing a friend a favour...NO longer friends :doh

)
0 no claims


Will say 1 thing though.!
From own experience & other people i know.!
DONT USE TESCOS.!
They don't pay out & right cars off when they can be repaired

 

[jimmy92]

Im 23 missus is 24 (on a provisional) and we pay 550 for t2 lwb 2.7td with cis-so opertive.

I asked the question and i made them say on the recorded tape (iv have a note of time and date of phone call) that im covered to drive any car insured or not as long as its not registered to me but the minute i get out the car its not covered and can be towed by the plod. :thumb2

 

[tezzer]

Im 23 missus is 24 (on a provisional) and we pay 550 for t2 lwb 2.7td with cis-so opertive.

I asked the question and i made them say on the recorded tape (iv have a note of time and date of phone call) that im covered to drive any car insured or not as long as its not registered to me but the minute i get out the car its not covered and can be towed by the plod. :thumb2

i would'nt like to go to court with a date and time, they will proberly lose or wipe the tape, and the only way you can drive a uninsured vehicle is if you have motor traders policy, risky if you ask me jimmy.:augie