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Dodgy Insurance Question


Flynn2
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Well as you know I joined this board primarily for the Toyota Corolla forum. Such since I have identified the Corolla model made between 1993 and 1997 to be the ideal first car.

Unfortunately, with the sodding government and insurance companies making it so difficult to start out now I wanted to buy a car and have it sat at the back of the driveway until I can scrape enough money together for a single months insurance at a time, since I cannot afford the 2 odd grand they want for a years cover.

My mum objected to this on the basis that it would not be able to be moved if she needed to get stuff into and out of the backyard.

Then I said if my mums insurance can cover her to drive any other vehicle with the owners permisison (which would be me) that she could move it on and off the driveway because her policy would cover her to drive it.

I have been reading forums on the old I-net and people have been saying that the owner has to have their own policy as well for the other person to drive it with the owners permission :angry:

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Thats very true they can drive any car on their insurance (with the correct cover) but the car has to be insured in the first place by the owner of the car. This is to stop somone buying and insuring a ford Kac and then driving round in a 1000bhp supra on the Kac insurance

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Yes because a car needs to be insured for someone to drive it legally, so yes you will need insurance on the vehicle as well as her insurance allowing her to drive another car.

If a Corolla is too expensive for you to insure, why not get a cheaper, lower insurance-group car until you have built up some no-claims and experience?

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I also looked at '93 Corolla for my first car but at the time the cheapest quote i got was £3000 :help:

Instead i bought a brand new Yaris which only cost £1200 to insure.

:wacko:

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I think that you must have your vehicle insured in order for your mother to be able to move it on her insurance.

Please remember that whenever she moves your car on her insurance she will only be covered for third party cover and not comprehensive.

I often need to move my sons car off the driveway to get my car out of the garage and we are both aware of the fact that whilst moving it I am only covered for third party damage on my own comprehensive policy.

We both accept that the risk of me damaging his car whilst just shunting it about is very low.

I do not in fact have to take his car on the public highway to move it around so that I can get my car out of the garage.

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If the car is parked on Private land and not on the highway or path then you can get your mum to move it. If i goes onto the path or road then the police will nick you for no insurance...

But saying that your need TAX on it and cant get that without insurance...or just claim the car SORN (Statuary Off Road Notice) form from the post office. Gets away with out no Insurance for say keeping cars for parts or refurbishment etc....

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I just nearly typed the exact thing as Chatman, Good job I decided to read the other replies before I clicked submit!

If the car is on your driveway then you're on private property and do not require insurance to move it. As long as it's declared SORN everything would be fine. Only downside to that is if your drive aint very big and you NEED to move the car on to the road for such actions.

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Yes because a car needs to be insured for someone to drive it legally, so yes you will need insurance on the vehicle as well as her insurance allowing her to drive another car.

If a Corolla is too expensive for you to insure, why not get a cheaper, lower insurance-group car until you have built up some no-claims and experience?

I won't be able to afford insurance on anything for a year I am afraid. I just wanted to have a car which I could use when I could bare to save up my E.M.A. for two months to buy a months insurance. Even with a really low insurance group car I couldn't afford a years policy.

I think that you must have your vehicle insured in order for your mother to be able to move it on her insurance.

Please remember that whenever she moves your car on her insurance she will only be covered for third party cover and not comprehensive.

I often need to move my sons car off the driveway to get my car out of the garage and we are both aware of the fact that whilst moving it I am only covered for third party damage on my own comprehensive policy.

We both accept that the risk of me damaging his car whilst just shunting it about is very low.

I do not in fact have to take his car on the public highway to move it around so that I can get my car out of the garage.

Only being covered for third party would be the least of my worries, considering that if it was insured by me then I could move it anyhow.

Before anyone says "Why don't you get off your lazy ***** and get a job" I am trying and have been for well over a year but unsuccesful :) There was a backlog with E.M.A. which lead to me having a bit of excess which I left in the bank, which then I added born day money to and then I plan to add christmas E.M.A. bonus to and christmas money as well. That is the only reason I am in the position to purchase a car. I don't want to sound weird but people may wonder "If he hasn't got a job, then how is he in the position to purchase a car" :)

Incase anyone is wondering what E.M.A. stands for it is "Education Maintainence Allowance".

Thanks for everyone posting replies, even those who I didn't reply to :)

Insurance companies are really filthy and the government probably like it because they don't want teenagers to have cars! :ffs:

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Yes because a car needs to be insured for someone to drive it legally, so yes you will need insurance on the vehicle as well as her insurance allowing her to drive another car.

If a Corolla is too expensive for you to insure, why not get a cheaper, lower insurance-group car until you have built up some no-claims and experience?

I won't be able to afford insurance on anything for a year I am afraid. I just wanted to have a car which I could use when I could bare to save up my E.M.A. for two months to buy a months insurance. Even with a really low insurance group car I couldn't afford a years policy.

I think that you must have your vehicle insured in order for your mother to be able to move it on her insurance.

Please remember that whenever she moves your car on her insurance she will only be covered for third party cover and not comprehensive.

I often need to move my sons car off the driveway to get my car out of the garage and we are both aware of the fact that whilst moving it I am only covered for third party damage on my own comprehensive policy.

We both accept that the risk of me damaging his car whilst just shunting it about is very low.

I do not in fact have to take his car on the public highway to move it around so that I can get my car out of the garage.

Only being covered for third party would be the least of my worries, considering that if it was insured by me then I could move it anyhow.

Before anyone says "Why don't you get off your lazy ***** and get a job" I am trying and have been for well over a year but unsuccesful :) There was a backlog with E.M.A. which lead to me having a bit of excess which I left in the bank, which then I added born day money to and then I plan to add christmas E.M.A. bonus to and christmas money as well. That is the only reason I am in the position to purchase a car. I don't want to sound weird but people may wonder "If he hasn't got a job, then how is he in the position to purchase a car" :)

Incase anyone is wondering what E.M.A. stands for it is "Education Maintainence Allowance".

Thanks for everyone posting replies, even those who I didn't reply to :)

Insurance companies are really filthy and the government probably like it because they don't want teenagers to have cars! :ffs:

Reading through some of your previous topics you appear to have a few issues over insurance companies.

It is a fact of life that if at your age and inexperience with driving, should you wish to insure anything except the smallest of cars, you will have to pay a large insurance premium...............even a small car may cost you quite a large premium to start with.

It may seem harsh to you at the moment, but premiums are based on risk, and someone like yourself will be seen as very high risk to the insurance companies.

You only really have two options:

Get a car that is less to insure.........or, stick to public transport.................you really cannot have it both ways :)

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Yes because a car needs to be insured for someone to drive it legally, so yes you will need insurance on the vehicle as well as her insurance allowing her to drive another car.

If a Corolla is too expensive for you to insure, why not get a cheaper, lower insurance-group car until you have built up some no-claims and experience?

I won't be able to afford insurance on anything for a year I am afraid. I just wanted to have a car which I could use when I could bare to save up my E.M.A. for two months to buy a months insurance. Even with a really low insurance group car I couldn't afford a years policy.

I think that you must have your vehicle insured in order for your mother to be able to move it on her insurance.

Please remember that whenever she moves your car on her insurance she will only be covered for third party cover and not comprehensive.

I often need to move my sons car off the driveway to get my car out of the garage and we are both aware of the fact that whilst moving it I am only covered for third party damage on my own comprehensive policy.

We both accept that the risk of me damaging his car whilst just shunting it about is very low.

I do not in fact have to take his car on the public highway to move it around so that I can get my car out of the garage.

Only being covered for third party would be the least of my worries, considering that if it was insured by me then I could move it anyhow.

Before anyone says "Why don't you get off your lazy ***** and get a job" I am trying and have been for well over a year but unsuccesful :) There was a backlog with E.M.A. which lead to me having a bit of excess which I left in the bank, which then I added born day money to and then I plan to add christmas E.M.A. bonus to and christmas money as well. That is the only reason I am in the position to purchase a car. I don't want to sound weird but people may wonder "If he hasn't got a job, then how is he in the position to purchase a car" :)

Incase anyone is wondering what E.M.A. stands for it is "Education Maintainence Allowance".

Thanks for everyone posting replies, even those who I didn't reply to :)

Insurance companies are really filthy and the government probably like it because they don't want teenagers to have cars! :ffs:

Reading through some of your previous topics you appear to have a few issues over insurance companies.

It is a fact of life that if at your age and inexperience with driving, should you wish to insure anything except the smallest of cars, you will have to pay a large insurance premium...............even a small car may cost you quite a large premium to start with.

It may seem harsh to you at the moment, but premiums are based on risk, and someone like yourself will be seen as very high risk to the insurance companies.

You only really have two options:

Get a car that is less to insure.........or, stick to public transport.................you really cannot have it both ways :)

I am not sure what you mean by "You cannot have it both ways". With the insurance premiums that the younger drivers get you would have thought it was for driving tanks!

There is no reason why the Corolla should cost much to insure. It is more than a decade old, diesel, and internationally regarded as the most boring car in the world.

It is also a small sized hatchback.

try churchill, my son got a quote of £1950 for a 1.3i micra which was about half of what most places wanted,

btw are you a learner?

if you are try http://www.collingwoodlearners.co.uk/LEARN...EB/UK/Index.htm only £80 a month to insure my son in my rav 4

Thanks for the advice. I am not learning, no. I won't be affording any insurance on an annual basis, that is why I wanted to just have it monthly so I wouldn't have to pay out a huge sum in one go, and in the times when I didn't have insurance I could declare the car S.O.R.N. so it would be on the driveway and not be able to taken on the road which is the problem with that plan.

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Yes because a car needs to be insured for someone to drive it legally, so yes you will need insurance on the vehicle as well as her insurance allowing her to drive another car.

If a Corolla is too expensive for you to insure, why not get a cheaper, lower insurance-group car until you have built up some no-claims and experience?

I won't be able to afford insurance on anything for a year I am afraid. I just wanted to have a car which I could use when I could bare to save up my E.M.A. for two months to buy a months insurance. Even with a really low insurance group car I couldn't afford a years policy.

I think that you must have your vehicle insured in order for your mother to be able to move it on her insurance.

Please remember that whenever she moves your car on her insurance she will only be covered for third party cover and not comprehensive.

I often need to move my sons car off the driveway to get my car out of the garage and we are both aware of the fact that whilst moving it I am only covered for third party damage on my own comprehensive policy.

We both accept that the risk of me damaging his car whilst just shunting it about is very low.

I do not in fact have to take his car on the public highway to move it around so that I can get my car out of the garage.

Only being covered for third party would be the least of my worries, considering that if it was insured by me then I could move it anyhow.

Before anyone says "Why don't you get off your lazy ***** and get a job" I am trying and have been for well over a year but unsuccesful :) There was a backlog with E.M.A. which lead to me having a bit of excess which I left in the bank, which then I added born day money to and then I plan to add christmas E.M.A. bonus to and christmas money as well. That is the only reason I am in the position to purchase a car. I don't want to sound weird but people may wonder "If he hasn't got a job, then how is he in the position to purchase a car" :)

Incase anyone is wondering what E.M.A. stands for it is "Education Maintainence Allowance".

Thanks for everyone posting replies, even those who I didn't reply to :)

Insurance companies are really filthy and the government probably like it because they don't want teenagers to have cars! :ffs:

Reading through some of your previous topics you appear to have a few issues over insurance companies.

It is a fact of life that if at your age and inexperience with driving, should you wish to insure anything except the smallest of cars, you will have to pay a large insurance premium...............even a small car may cost you quite a large premium to start with.

It may seem harsh to you at the moment, but premiums are based on risk, and someone like yourself will be seen as very high risk to the insurance companies.

You only really have two options:

Get a car that is less to insure.........or, stick to public transport.................you really cannot have it both ways :)

I am not sure what you mean by "You cannot have it both ways". With the insurance premiums that the younger drivers get you would have thought it was for driving tanks!

There is no reason why the Corolla should cost much to insure. It is more than a decade old, diesel, and internationally regarded as the most boring car in the world.

It is also a small sized hatchback.

try churchill, my son got a quote of £1950 for a 1.3i micra which was about half of what most places wanted,

btw are you a learner?

if you are try http://www.collingwoodlearners.co.uk/LEARN...EB/UK/Index.htm only £80 a month to insure my son in my rav 4

Thanks for the advice. I am not learning, no. I won't be affording any insurance on an annual basis, that is why I wanted to just have it monthly so I wouldn't have to pay out a huge sum in one go, and in the times when I didn't have insurance I could declare the car S.O.R.N. so it would be on the driveway and not be able to taken on the road which is the problem with that plan.

The Corolla may be a small sized hatchback but it will cost much more to insure than an Aygo...................lots of people on here much older than you run Aygos because they are cheaper to insure and run.

The truth of the matter is that insurance rates on a monthly basis are much more expensive pro rata than taking out an annual premium.

Insurance is only just part of the cost of running a car......................if you really cannot afford to run a car then probably you should stick to public transport untill you are in a position to be able to afford to run a car , with all the expense that is involved with car ownership.......................sorry if that is not what you want to hear..............but it is a sad fact of life :(

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I dont know the corolla range but all the diesel ones I can find are 2.0 if thats the case you will be very very lucky to get any form of insurance, most companies wont insure anyone under 21 in a 2.0

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Hmm it's a tricky one to be honest, have you got your Mums policy book around somewhere?

It should say in there about it.

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I have identified the Corolla model made between 1993 and 1997 to be the ideal first car.

I've only read half of the replies in this thread so apologies if this has been said but surely the fact that it costs so much to insure stops it being the ideal 1st car? Surely insurance is 1 of the most important things to look at when thinking about what car to buy, be it your 1st or your 50th (Jimlad!).

I think you'd be better looking at a Yaris while you build up your NCB & get older. I think the phase 1 1.0 is group 2 insurance & all things considered they're as inexpensive to keep on the road as any you're likely to find, they're excellent cars & as 1st ones for inexperienced drivers I've never found anything better

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I think you'd be better looking at a Yaris while you build up your NCB & get older. I think the phase 1 1.0 is group 2 insurance & all things considered they're as inexpensive to keep on the road as any you're likely to find, they're excellent cars & as 1st ones for inexperienced drivers I've never found anything better

Agreed! :thumbsup:

I liked my 1.0 Yaris so much i kept it 6 years! :lol:

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Have you thought of another way of doing it?

Have your Mum as the main policy holder, and you as a secondary, then you stump up the cash for doing it...? If you can go with a company that lets all named drivers build up NCD, then its even better for you. That should work out cheaper - try it on the Internet. You just run the risk of losing your Mum's NCD if you bend the car...

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Have you thought of another way of doing it?

Have your Mum as the main policy holder, and you as a secondary, then you stump up the cash for doing it...? If you can go with a company that lets all named drivers build up NCD, then its even better for you. That should work out cheaper - try it on the Internet. You just run the risk of losing your Mum's NCD if you bend the car...

That's known as "fronting" and would lead to your policy being declared null and void ;)

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If you can go with a company that lets all named drivers build up NCD, then its even better for you. That should work out cheaper - try it on the Internet. You just run the risk of losing your Mum's NCD if you bend the car...

With those, the adverts give the impression you build up No Claims but you don't in the way you assume. They give discounts to those who stick with them but be a named driver on a Direct Line policy, change after 3 years & ask them for a certificate confirming you have 3 years no claims. You wont get 1 because it's not proper no claims, it's just a discount they offer to encourage people to keep renewing with them

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I dont know the corolla range but all the diesel ones I can find are 2.0 if thats the case you will be very very lucky to get any form of insurance, most companies wont insure anyone under 21 in a 2.0

Why aren't they going to insure anyone under 21 in a 2000cc? And those thieving *****s should be lucky that I come to them instead of punch their teeth out.

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because a 2000cc is considered too powerful for anyone so young and because lots of young people tend to be short tempered and agressive and drive in the same way, judging by your last post they may have a point :)

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Yes because a car needs to be insured for someone to drive it legally, so yes you will need insurance on the vehicle as well as her insurance allowing her to drive another car.

If a Corolla is too expensive for you to insure, why not get a cheaper, lower insurance-group car until you have built up some no-claims and experience?

I won't be able to afford insurance on anything for a year I am afraid. I just wanted to have a car which I could use when I could bare to save up my E.M.A. for two months to buy a months insurance. Even with a really low insurance group car I couldn't afford a years policy.

But surely you are cutting off your nose to spite your face doing it this way - 1 months insurance here and there will never get you any no claims so your insurance will never be a great deal cheaper - unless you buy a Group 1 car, insure it 3rd party and do what everyone else has to do in order to get cheaper car insurance, namely drive carefully for a few years to build up NCD and then buy your 2.0 Corolla.

Why not get a little part time retail/warehouse job to fund it rather than relying on E.M.A? Thats how I started out, with a little Saturday job in Kwik Save.... those were the days! :D

The harsh reality is, until you go out to work and earn some money you will not be able to afford nice luxuries such as driving a car!

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Why aren't they going to insure anyone under 21 in a 2000cc? And those thieving *****s should be lucky that I come to them instead of punch their teeth out.

:lol:

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because a 2000cc is considered too powerful for anyone so young and because lots of young people tend to be short tempered and agressive and drive in the same way, judging by your last post they may have a point :)

Too powerful? Dude, I have read the figures for the 1300 cc petrol and the 1975 cc diesel and the petrol actually has 1 horsepower more!!! How could you think a weasy old diesel without even injection, let alone a turbo, could be "Too powerful". That is luducrious. I LAUGH IN YOUR FACE!!! And I am a good driver, I did Pass Plus after I passed many moons ago.

But surely you are cutting off your nose to spite your face doing it this way - 1 months insurance here and there will never get you any no claims so your insurance will never be a great deal cheaper - unless you buy a Group 1 car, insure it 3rd party and do what everyone else has to do in order to get cheaper car insurance, namely drive carefully for a few years to build up NCD and then buy your 2.0 Corolla.

Why not get a little part time retail/warehouse job to fund it rather than relying on E.M.A? Thats how I started out, with a little Saturday job in Kwik Save.... those were the days!

The harsh reality is, until you go out to work and earn some money you will not be able to afford nice luxuries such as driving a car!

Oh my god, didn't you read the first explanation for why I don't have a job!?! I have been searching for a year and 3 months and have only got 2 interviews out of them. TWO! You leave me no choice but to give you the gory details. Until recently I was too shy to ask in the shops incase of looking like a ****** when being turned down. So I just sent letters along with my C.V. inquiring whether they had any. Most of the time they didn't reply. I think I only got 2 replies and they were either telling me to sod off or telling me to look on their website and when I did they only had stuff like "store manager" not really the kind of thing that you can do part time ;) Now I ask in shops I go round asking and again most of the time they don't have any. I am stranded in a little village like town but there is a small town and a medium town nearby. My dad lives in the small town but works in the week so at the weekends he can take me to jobs in either of them (if I ever find one!). I go to college in the medium town so after that I can go to a job there. In the village where I live I am stranded in a four bedroom semi with my mummy two miles away from the high street which I can walk or get the bus to. In the highstreet there aren't any jobs anyway. So really I am restricted to two towns which I can get to only on certain days.

It's not as easy getting a job these days as it was "back in the days". You have to do all the fiddly bits stuffing letters and C.V.s into envelopes, going around asking in shop after shop, mostly getting told they don't have anything. You have to do this regularly as well. You need to harrass them constantly. It's not just something that you can do once and have it done with. I need to go on foot dropping C.V.s on managers heads. One shop at a time.

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