hotrain69 Posted January 30, 2011 Share Posted January 30, 2011 insurance renewal time is coming up. now 25 with a couple of years ncb but prices still not coming down. as i say i know the sensible and correct answer but just thought i'd throw it out there. i've got my parents as named drivers for the last couple years as this reduces the premium significantly. however, my mum only has an automatic license and my car is a manual. she will never ever drive because i wont let her and she doesnt want to anyway. in fact my dad doesnt drive it either. it's so tempting to just put on the insurance details that she has a proper license as it saves another 100 quid. dont dare do it though!!! Quote Link to comment Share on other sites More sharing options...
Andy82 Posted January 30, 2011 Share Posted January 30, 2011 what happens if you remove her(mum) Quote Link to comment Share on other sites More sharing options...
Ekona Posted January 30, 2011 Share Posted January 30, 2011 Don't be stupid. Quote Link to comment Share on other sites More sharing options...
350 Russ Posted January 30, 2011 Share Posted January 30, 2011 im the same age and have 7 years ncb and ive got my dad and my 74 year old nan on mine and it brought it down by £600. go for it im sure they wouldnt do a check and if she never drives it then she wont be the driver making the claim so fingers crossed they wont find out Quote Link to comment Share on other sites More sharing options...
ATTAK Z Posted January 30, 2011 Share Posted January 30, 2011 I wouldn't tell any porkies cos if you need to claim, it gives them an excuse to argue about paying out Quote Link to comment Share on other sites More sharing options...
Maccaman Posted January 30, 2011 Share Posted January 30, 2011 The sensible answer is correct. Never declare something that is untrue as you don't want a situation where they will not pay out. Not worth it in the long run. Quote Link to comment Share on other sites More sharing options...
Sarnie Posted January 30, 2011 Share Posted January 30, 2011 Any loss adjustor worth their salt will easily find out within about 5 mins of searches. You might as well put yourself down as a 60 year old woman to bring your premiums down further...... Quote Link to comment Share on other sites More sharing options...
hotrain69 Posted January 30, 2011 Author Share Posted January 30, 2011 I wouldn't tell any porkies cos if you need to claim, it gives them an excuse to argue about paying out that's exactly why i've not done it! so frustrating Quote Link to comment Share on other sites More sharing options...
scubapics Posted January 30, 2011 Share Posted January 30, 2011 Now that you've mentioned it in an open forum, you must put the correct information on your application. Insurance companies / police have been known to trawl forums for evidence. As you say, you already know the answer - you are not doing yourself any favours by being dishonest. Insurance never really comes down. It's a fact of life! It's a fallacy that when you reach 25 your insurance drops - at least that's been my experience. Jim Quote Link to comment Share on other sites More sharing options...
scubapics Posted January 30, 2011 Share Posted January 30, 2011 The sensible answer is correct. Never declare something that is untrue as you don't want a situation where they will not pay out. Not worth it in the long run. Especially where the pay out is not for car parts! Imagine is someone lost a limb or their life and you were not negligent. The financial liability would be more than you could ever bear! Jim Quote Link to comment Share on other sites More sharing options...
srobrien Posted January 30, 2011 Share Posted January 30, 2011 I use bell.co.uk, you can buy 10 months insurance and they give you a years NCB, great way to build up your discount. Do it the proper way rather than fronting, when you get found out you could end up in the sh*t. R Quote Link to comment Share on other sites More sharing options...
Ricey Posted January 30, 2011 Share Posted January 30, 2011 Put my Grandad on it too he's dead so he'll offset the risks even more Quote Link to comment Share on other sites More sharing options...
hotrain69 Posted January 30, 2011 Author Share Posted January 30, 2011 guys, i think i may have sounded like i was suggesting that there was a good chance i would put false info. it was more of a moan than anything else. it's definitely not worth any of the problems should anything happen. Quote Link to comment Share on other sites More sharing options...
Ricey Posted January 30, 2011 Share Posted January 30, 2011 I think it seems more galling because it feels like quite a quirky detail...........but when I you weigh it up its just the same as failing to declare an accident or points. The whole bloody thing is a giant crock if you ask me. Statistics.......... Quote Link to comment Share on other sites More sharing options...
hotrain69 Posted January 30, 2011 Author Share Posted January 30, 2011 I think it seems more galling because it feels like quite a quirky detail...........but when I you weigh it up its just the same as failing to declare an accident or points. The whole bloody thing is a giant crock if you ask me. Statistics.......... absolutely! like i said, only having a moan! Quote Link to comment Share on other sites More sharing options...
skyinsurance Posted January 31, 2011 Share Posted January 31, 2011 I use bell.co.uk, you can buy 10 months insurance and they give you a years NCB, great way to build up your discount. Great until you find that a lot of insurers do not recognise NCB earnt on 10 month policies.. Quote Link to comment Share on other sites More sharing options...
srobrien Posted January 31, 2011 Share Posted January 31, 2011 I use bell.co.uk, you can buy 10 months insurance and they give you a years NCB, great way to build up your discount. Great until you find that a lot of insurers do not recognise NCB earnt on 10 month policies.. Never needed to go to another insurer, the admiral group are always cheaper by MILES. Quote Link to comment Share on other sites More sharing options...
Ekona Posted January 31, 2011 Share Posted January 31, 2011 The Admiral group have dropped their premiums by a considerable amount recently, and I'm assuming that's because everyone has put theirs up so they'll take a loss on the first year on the gamble of repeat business by people too lazy to shop around. Pretty clever idea if you ask me, and it's certainly paying off as even I switched to them as of tomorrow because no-one else could get anywhere close to them on price. Quote Link to comment Share on other sites More sharing options...
marzman Posted January 31, 2011 Share Posted January 31, 2011 Insurance never really comes down. It's a fact of life! It's a fallacy that when you reach 25 your insurance drops - at least that's been my experience. Jim I had my zed when i was 23/24.... and it cost me £2550 to insure. Then when i turned 25, it dropped down to £700. So 25 does still have an impact! Quote Link to comment Share on other sites More sharing options...
ATTAK Z Posted January 31, 2011 Share Posted January 31, 2011 The Admiral group have dropped their premiums by a considerable amount recently, and I'm assuming that's because everyone has put theirs up so they'll take a loss on the first year on the gamble of repeat business by people too lazy to shop around. Pretty clever idea if you ask me, and it's certainly paying off as even I switched to them as of tomorrow because no-one else could get anywhere close to them on price. That's what I'm thinking ......... I've got three cars with two drivers insured for less than £800.00 ..... bargain Quote Link to comment Share on other sites More sharing options...
scubapics Posted January 31, 2011 Share Posted January 31, 2011 Insurance never really comes down. It's a fact of life! It's a fallacy that when you reach 25 your insurance drops - at least that's been my experience. Jim I had my zed when i was 23/24.... and it cost me £2550 to insure. Then when i turned 25, it dropped down to £700. So 25 does still have an impact! I can't say that's been, my experience. I've never paid much more than £400 for insurance but then I only had basic cars when I was younger. Jim Quote Link to comment Share on other sites More sharing options...
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