Question
Hi everyone, I am an 18 year old male with a 2.0 petrol Ford Focus 1999 5dr hatchback and my monthly outgoing for car insurance is £145! (I don't even know the annual premium) but that is third party and I am only a named driver on my mums policy with 2 years of no claims. I have NEVER crashed or damaged anyone elses property in any way. I understand that young driver insurance is expensive but my insurance still seems to be twice as expensive as any of my friends. Could someone please point me in the direction of a young driver specialist insurance who is actually cheap as I have been on these websites before and I get quoted ridiculous figures such as £12,000! Please help me I am pulling my hair out. Also there are no modifications on my car. I live in the UK and so US sites are no good, Thanks...
Hi everyone, I am an 18 year old male with a 2.0 petrol Ford Focus 1999 5dr hatchback and my monthly outgoing for car insurance is £145! (I don't even know the annual premium) but that is third party and I am only a named driver on my mums policy with 2 years of no claims. I have NEVER crashed or damaged anyone elses property in any way. I understand that young driver insurance is expensive but my insurance still seems to be twice as expensive as any of my friends. Could someone please point me in the direction of a young driver specialist insurance who is actually cheap as I have been on these websites before and I get quoted ridiculous figures such as £12,000! Please help me I am pulling my hair out. Also there are no modifications on my car. I live in the UK and so US sites are no good, Thanks...
Answer
There are no young driver specialists. If the car is really yours and you are really the main driver then you and Mum are committing insurance fraud. This is called "Fronting" - see the bbc news link below for independent details of the world of hurt you are opening yourself up to. if you try to claim there is a good chance you will be detected. if stopped by the Police they do have ways to find out and know full well what to watch for. My guess is that you are fronting as you called it your insurance. The problem you have is that the car is too large and engine for a teen to get cover on at a reasonable price. Trying to run before you can walk. You need to be in a 1.0 to 1.2 litre motor with no mods
There are no young driver specialists. If the car is really yours and you are really the main driver then you and Mum are committing insurance fraud. This is called "Fronting" - see the bbc news link below for independent details of the world of hurt you are opening yourself up to. if you try to claim there is a good chance you will be detected. if stopped by the Police they do have ways to find out and know full well what to watch for. My guess is that you are fronting as you called it your insurance. The problem you have is that the car is too large and engine for a teen to get cover on at a reasonable price. Trying to run before you can walk. You need to be in a 1.0 to 1.2 litre motor with no mods
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