Argh! Car Insurance

Car insurance is a bit of a mysterious thing i reckon. If I were you i'd take a look at the £85 per month quote with you as the main driver, presuming that it covers all you want it to it sounds like a good option. As you've not been driving long you want to start building up your own no claims bonus and seeing as your OH has a car of his own already insured in his name he won't be missing out.

Presuming that you're female it may be that you've come across one of the special "women drivers" policies that insurance companies do, i think it's something to do with some statistic somewhere that reckons women are less likely to be involved in an accident than men? I've no idea whether that's true or not but hey if the insurance companies want to give you a good deal as a result who are we to argue eh! ?

The price differences sound right to me. It'll be going up with your OH as main driver as men are statistically more likely to claim on their insurance (or be claimed upon). If you are the main driver of the 206, then you should be the policy holder. Keep shopping around (for this year and subsequent ones) to find the best quote you can. As you get older and get more no claims bonus's (?), then your insurance should go down.

3K to insure a 206? Blimey ?

Insurance can be a nightmare and rarely makes sense to me. My students often tell me its cheaper for hem to be insured fully comp than just 3rd pary and quite often if they get added to parents/partners policy it brings the premium down, despite them being learners. Its all very odd.

Have you tried the price comparison sites? £85 a month with yout OH having 5 years no claims and you having 1 year, seems way too much to me.

Have a look at doing the insurance through Quidco aswell, there's usually cashback incentives. If you call the insurer they'll sometimes give a bit more discount aswell. I was with Privilege but rang them to say I was cancelling and I managed to get another discount out of them, an internet discount or something.

Just to add, some companies now do cheaper premiums if you don't drive the car in certain hours (such as midnight to 6am) It can make a dramatic difference as most new driver accidents happen during them times. Might be worth considering.

Insurance is a very strange thing. It was about £1k cheaper to add me to MrZ's policy on his car, yet when i put him on mine, it went up slightly! Meh!

It should be cheaper for you to be the main driver, and have him as a named driver. also look at putting your Mum, or someone female (pref related), with excellent no claims on the insurance.

FN, I've quotes going up to 5k, the car isn't even worth that! The quotes I've been getting are from comparison sites and then I've been ringing up the cheapest to see if I can get it down a bit more.

That's why we insured the car in OH's name originally, it was far, far cheaper than insuring it my name. My dad who's been driving for more than 50 years got a quote for my car with me as a name driver and they came out with £1900! I got a third party quote from Swift Cover (who I'm talking about in my OP) and it was only £6 a month cheaper than being insured fully comp.

Neither of us techinically have any no claims, when he had his own car he was a named driver on his dad's policy so he didn't earn any and for the past 3 years he's had his company car. I haven't got any NC as our last policy only had me as a named driver, so OH got the NCD but it's non transferrable unless we stay with our current insurers.

I have to nip out now but I'll check this thread again later.

I thought the registered owner had to be the main driver, or have I got that wrong?

You are right LF. . What the OP is doing is known in the industry as "fronting" and is classed as fraud. The policy can be voided if you are caught out doing this

Thanks for all the replies, it's just so confusing where they get their figures from.

LF, we'd change the ownership of the car to me if I end up being the main driver on the insurance.

I've learnt something new today then. I know lots of people who do this. For my small and confuddled mind, how can you be caught?

If you write off the car for example, you'll have to return all the documents to them.

Some people are also daft enough to admit it in the course of discussing a claim or you could be caught out by an engineer discussing a vehicle that you clearly dont have any working knowledge of or use.

? you both. Makes sense now.