car insurance
- Thread starter tracey louise
- Start date
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JoJoPearce
Well-Known Member
In a former life I used to work for an Insurance Brokers and hubby is an Insurance Underwriter.
In most cases, people with fully comprehensive insurance are covered to drive other vechicles on a third party cover. This basically covers you if you have an accident, well it covers the person you hit and there car. The car you are driving is not covered at all. Therefore I would only reccommend driving on this cover in emergencies. If you want a policy that covers you on all vechicles, fully comp then you will pay for it or you need a business car policy. (this is what mobile tech's should have, class 1 business use.)
Car Insurance for the young is expensive, It has always been that way and always will. Most accidents are caused by new and young drivers. When you turn 25, you will see a big difference and your NCD will count.
tracey louise
Well-Known Member
hi thanks for that i have just phoned them and they said that insurers dont tend to cover drivers under the age of 25 to drive other peoples cars.thanks anyway though it was worth a try.xx
tracey louise
Well-Known Member
thanks for the info jo.i did not know about the class 1 business use but i dont use my car for work anyway.thanks though.xx
Kelly.W
Member
I'm 24 with 6 years no claims and have yet to find an insurance company that covers under 25s to drive any other car - i don't think one exists!!!!
On the plus side, i'm with Sheilas wheels, pay £240 a yr fully comp with protected no claims/legal cover! My excess is £150 voluntary excess and £200 compulsary(cos of my age) This also covers my husband to drive fully comp too and he has points on his lisence!!
I think the trick is to just keep shopping around for prices etc, but i dont think you'll find one that will cover all other cars.
Kel -x-
On the plus side, i'm with Sheilas wheels, pay £240 a yr fully comp with protected no claims/legal cover! My excess is £150 voluntary excess and £200 compulsary(cos of my age) This also covers my husband to drive fully comp too and he has points on his lisence!!
I think the trick is to just keep shopping around for prices etc, but i dont think you'll find one that will cover all other cars.
Kel -x-
tracey louise
Well-Known Member
thanks for that kelly.ive just discovered this myself.ive shopped around loads and the best quote i got was from ecar insurance which was £277 which was with £0 volentary excess and £250 i think compulsory excess.i phoned up my insurance company to see if they could match this and they didnt even bother trying they just said they couldnt.
shellpink
Well-Known Member
That sounds like a good price! I take your gona go with it?! I think insurance prices are just going up anyway, when I was in my early 20's I thought I'd be paying alot less than I am! Im 30 and I still pay £40 just under per month (full comp) & I have 7 years no claims & no points, ( my husband is on the policy too). Mind you it does depend on what car you drive, mine is a very high insurance group I suppose, but I still think it's ALOT!!?
Lil Linz
Well-Known Member
This may be too late now but last year my bf was with Quinn Direct (well, i'm pretty sure it was them) and he could drive other cars, and that was on TPFT policy AND he was 20 at the time!
Best quote i've ever got was £330 but then they put another £100 on top of that because i wanted it for business use.
Best quote i've ever got was £330 but then they put another £100 on top of that because i wanted it for business use.
tracey louise
Well-Known Member
my car insurance isnt due till the 8th march so im still looking around.the only reason that ecar insurance is cheap is beacuse they are only on the internet so you cant phone them and i dont really like the idea of that so i still havent decided so i welcome anymore suggestions.x
BeautybyClare
Well-Known Member
have you tried [SIZE=-1]www.elephant.co.uk? i'm with them and i got a good price!! :hug:
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