 | Home > My Defender > Today I say goodbye! |
 
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| ken Member Since: 18 Aug 2009 Location: Banging Birds with my bitches !! Posts: 4328  
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They were the old days Andrew they are getting a bit hot on this topic now
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4th Dec 2009 8:15am |
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| ken Member Since: 18 Aug 2009 Location: Banging Birds with my bitches !! Posts: 4328
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Guessing you have company insurance as oppose to Retail I guess Al is the person to put to bed as I have a broker to sort ours out (Self insured
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4th Dec 2009 9:51am |
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| NoDo$h Member Since: 18 Aug 2007 Location: Buried in deer guts in Dorset Posts: 972 
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Difference is, you're being upfront about the risk. You're telling the insurers that there are multiple vehicles, multiple drivers etc, and they can make their minds up on the cost to cover that risk because you've fully disclosed the circumstances. Knowing that pretty much anyone could be driving, they charge the appropriate premium.
In Mav's case the insurers have been told that Mav's dad is the main driver, that he does the majority of the motoring. Mav has been proposed as being an occasional driver. As a result, the premium is lower because the risk is smaller. If they were up front about the usage, it would be clear that Mav is the main or possibly sole driver and the risk is therefore greater. I'm talking about statistical risk here, not casting any aspersions on Mav's driving ability. In the event of a claim where a young, named driver was at the wheel the insurers will want to know what the purpose of the journey was. If it's going to college or going to work, they'll investigate further as this points towards consistent regular use and therefore "fronting" of a policy. They'll expect to see fuel receipts paid by the main driver, other evidence that the main driver's other car hasn't been used regularly etc. Other things they look at are the cars available to the household, the accessories fitted to the "new driver" car in the house, the condition of the vehicles etc. So if there's a saloon, a 4x4 and a eurobox with a 1.0l engine on the drive and the eurobox has a bangin' stereo and Retard-o seatbelt covers, you're fooked. 
54 Freelander modded for mud 2008 D3 SE 2010 90 XS SW 1978 88 Series 3 undergoing surgery with a new owner 2007 90 County Truck Cab - gone 2006 D3 SE - gone 2004 Freelander Sport - gay 1999 Disco V8 ES rotted to bits |
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4th Dec 2009 11:53am |
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| NoDo$h Member Since: 18 Aug 2007 Location: Buried in deer guts in Dorset Posts: 972
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http://www.marketoracle.co.uk/Article11219.html
54 Freelander modded for mud 2008 D3 SE 2010 90 XS SW 1978 88 Series 3 undergoing surgery with a new owner 2007 90 County Truck Cab - gone 2006 D3 SE - gone 2004 Freelander Sport - gay 1999 Disco V8 ES rotted to bits |
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4th Dec 2009 12:01pm |
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| AndrewS Member Since: 10 Apr 2007 Location: Hereford Posts: 3707 
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I see
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4th Dec 2009 12:23pm |
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| roel Member Since: 08 Aug 2009 Location: Lelystad Posts: 2039  
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I am lucky I live in The Netherlands
There is a premium for below 24 years but most off the time the car is on one off the parents name. Further na questions asked. No named drivers etc. Everybody can drive my car as long as they have a driving license. Roel 1984 90 2.5 na Diesel - RR V8 (1994-2001) 1997 Camel Trophy Discovery 300TDI (2001-2009) 2005 G4 Discovery III 4.4 V8 (2008-2018) It's gone but it still hurts. 2003 90 Td5 (2009-now) |
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4th Dec 2009 1:06pm |
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| Cibit Member Since: 26 Oct 2009 Location: Northumberland Posts: 424 
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Change your name to Betsy dude girls are less to insure than boys for some strange reason
 59 2.4 110 XS Utility
55 TD5 110 CSW Special Vehicle |
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4th Dec 2009 2:12pm |
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| Mad Cow Member Since: 27 Oct 2009 Location: Hertfordshire Posts: 292 
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The reason is less testosterone
The person most likely to have a car accident is a male under 23. Girls tend to be more careful drivers and take less risks This was covered on the BBCs One Show last night and they were very clear that fronting constitutes fraud Doesn't stop loads of people doing it though MAD COW
2007 90 Hard Top - 2009 BMW F800GS - 2002 CCM 604E Dual Sport Project90 |
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5th Dec 2009 8:59am |
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| Maverick Member Since: 08 Mar 2008 Location: Inverurie! Posts: 261  
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Errm, my dad was the main the main driver of the 90, I got it for occasional use! For everything else I had the fiesta!
All our cars have uprated stereos in them, and the Defender has reccaros in it![/quote] Ben Rebuilt 1996 black/white Defender 90 300 TDi |
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6th Dec 2009 5:49pm |
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| Maverick Member Since: 08 Mar 2008 Location: Inverurie! Posts: 261
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That was a short lived break!
 Dad got me some more insurance as soon as it snowed! Back before Christmas! Love being bavk in that car, its just so good! Ben
Rebuilt 1996 black/white Defender 90 300 TDi |
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6th Jan 2010 4:59pm |
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| willy eckerslike Member Since: 15 Jun 2009 Location: North yorks Posts: 1789 
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Welcome back into the fold Mav
Original Member Pie n Pea Club.
110 HCPU Tipper |
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6th Jan 2010 5:14pm |
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| fekete Member Since: 24 Dec 2008 Location: Here on the other end of the computer Posts: 3626 
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Welcome back Mav....time to have fun in the snow......get some pics up mate
NEVER TAKE LIFE SERIOUSLY. NOBODY GETS OUT ALIVE ANYWAY |
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6th Jan 2010 5:21pm |
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| mrwoo Member Since: 03 Jan 2008 Location: Cheshire Posts: 286 
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Good to hear your back in the Landie, my first drive when I was 17 was a Series 3 Landie simply because the insurance was so cheap.
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8th Jan 2010 8:29am |
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| Maverick Member Since: 08 Mar 2008 Location: Inverurie! Posts: 261
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Well, as of midnight tonight I'm back in the 90!
 Only temp. Then me the father are swapping cars middle of next month, so at long last I own a Defender!  Ben
Rebuilt 1996 black/white Defender 90 300 TDi |
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17th Feb 2011 9:13pm |
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