Passed Test! And an Insurance Question...

[Dav0s]

Well I passed my driving test on Friday, woohoo!

2nd time, 3 minors, so relieved

Anyway I wasn't planning on getting a car because I'm off to uni in Sep/Oct, but now i have a license I can't resist!

So if i get a car, I will be insured in my mums name, so she can drive it aswell, and i expect i will pay it monthly.

my question is, when i go to uni, can i change the policy so that only my mum is insured, and i am removed as a named driver? If so, will the monthly payments then go down accordingly?

ta for any help

[herulach]

yes and yes. however, consider insuring it in your name, and if you can afford the premium keep it on, as when you leave uni, you'll be left with 3 years no claims (assuming your mum isnt a terrible driver) and as such wont be in the situation I am, where im getting stupid quotes for anything bigger than a hairdryer

[dave87]

Easiest Way to build up no claims?

Do your CBT, buy a moped (£200 nothing fancy) insure it 3rd Party and leave it in your garage. Leave uni, you have 3 years no claims, and the insurance over 3 years will at most have cost you a grand, a hell of a lot less than you'd be paying on a car.

[merdat]

That idea of Dave87's will be like 'money in the bank ' to you and you'll save a fortune by not have to waste money on fuel.

[Dav0s]

yes and yes. however, consider insuring it in your name, and if you can afford the premium keep it on, as when you leave uni, you'll be left with 3 years no claims

if its in my mums name, will i still get no claims tho? if i do insure in my name, it will prob be about 5x as expensive lol

[Lowe]

Easiest Way to build up no claims?

Do your CBT, buy a moped (£200 nothing fancy) insure it 3rd Party and leave it in your garage. Leave uni, you have 3 years no claims, and the insurance over 3 years will at most have cost you a grand, a hell of a lot less than you'd be paying on a car.

Bike insurance isn't always transferable to a car policy, so be careful with that one...

[arbitor]

its not with most car insureers i had a moped they said "and?" lol

I dont get why your wasting your time posting here lmao just ring the company.. ultimatley if all of us say yes on here and they say no what have you gained.. not much

just give thema ring they will talk you through it

[dannyboy83]

Some companies offer deals where all teh named drivers can accrue no claims years, such as Direct Line. I always find direct line to be expensive though.

Slightly off subject, but... Elephant were always cheapest for me, but as me and the missus both have a car, the Admiral multi-car deal worked out cheaper.