[Freedo]

Ok, I’ll try and make it as short as possible…..

I’m looking for either a MCS (group 16) or an MCS JCW (group 19?). There is a slight problem though. I’m 19, have 1 years ncb and also passplus. Now what I’m thinking of doing (same with a lot of my friends, etc – I’m sure it’s v commen) is to buy a Mini but have the car in my mums name (on the V5).

All was well until I asked if she’ll do it. But she is having none of it, ffs! Apparently (from what a program told her) if I become a named driver and crash they, the insurance company will not pay up. Is their any way to convince her this isn’t true? She is sooo naive! Did anyone else see this program?

From what I’ve read on here, if I become a named driver it’ll cost me under a £1000 to insure but me as the main driver it’ll cost £3/4000 from the quotes online I have been receiving… I’m sure what I’d pick out of the two – an extra 1 years NBC or to save £2/300!

Much appriciated for all your help! If there is any one else in my situation also please reply with what you have come up with, thanks…..

[supa-dupa-cooper]

Thats got the words 'fronting' and 'illegal' all over it Sounds like your the naive one not her

[humph]

Exactly as above. You don't need to watch any TV programmes, it is common knowledge that your mums fears are fact. The insurance company will ask who the main driver is. If your mum answers that it will be her, (when it is in fact you), then the insurance will be void. If you have an accident you may both be liable for fraud and driving without insurance. If she tells them you are the main driver the price will be the same as if you insured the car yourself. Does your mum have another car/policy in her name? If so the insurance are unlikely to accept that she can be the main driver on two cars anyway, especially with you as a named driver. Give the insurance company some credit, they are not thick. Sorry for the negativity but the consequences of driving without insurance are huge, for you and any other parties involved in an accident.

[humph]

See some of the statements below. We can assume you love cars and driving, so what would you do if you got banned and weren't allowed to drive? Is it worth it? Stick to a Cooper for a couple of years. They're a better drivers car anyway

Quote:

Should I insure in my parents name?

Many people try to avoid higher premiums by insuring a car in a parents name and adding a younger driver.

Technically this is called "fronting" and it is to be avoided. In the worst case, should you do this, a claim could be called invalid meaning that you would not receive a payout and the younger driver could be convicted of driving without insurance.

As a minimum the fine would be severe and 6 points is generally the basic penalty. For young drivers this could potentially mean the loss of their license.

A vehicle being used for commuting by a student could be the evidence an insurance company would need to invalidate the policy for fronting.

The safest course of action is to insure in the young drivers name. This carries the extra benefit of them being able to accumulate their No Claims Bonus.

Quote:

What are the consequences of driving without insurance?

If you drive without insurance you will get an IN10 conviction. The standard minimum punishment for this is 6 points and a £180 fine.

However this can be increased to more severe measures including driving bans.

Driving without insurance is a serious conviction and will have an effect on your insurance premiums. For a young driver this will mean a vast increase in premium and often will result in insurers refusing cover.

With the new legislation regarding new drivers, an IN10 conviction may incur a ban and a forced retake of the driving test.

[supa-dupa-cooper]

Quote: Originally Posted by Humph (original)

See some of the statements below. We can assume you love cars and driving, so what would you do if you got banned and weren't allowed to drive? Is it worth it? Stick to a Cooper for a couple of years. They're a better drivers car anyway

Or even a MINI ONE I had my first one 6 months after passing my test at 18 with no NCB, then another after a year. Fantastic cars, just as much fun as the quicker ones, and they can be personalised in just the same way Only now at 21 with 3yrsNCB did I make the move to a Cooper

[Snowie]

There are many young drivers doing the same as proposed here.
Insurance companies are very wise to it, they ask for the registered keeper and the main driver - false staments can lead to legal action and definately invalidate your insurance = if you have an accident you are an un-insured driver = seroius trouble for you and a big issue for who ever you have the accident with.

You know. Sometimes parents are right.

Do what we did with our 2 kids, insure in their own name from day one, pick a cheap car to insure and build up your own no claims bonus.

Do not take the risk of what seems to be a cheap option in the short term

[Freedo]

O, I see....

Well perhaps I am the naive one after all! Along with a lot of younger drivers.

I do have one option left. I become the main driver and the mother as a named driver. I've heard this pushes the premium down slightly?

Thanks to everyone that has posted!

[Snowie]

Quote: Originally Posted by Freedo (original)

O, I see....

Well perhaps I am the naive one after all! Along with a lot of younger drivers.

I do have one option left. I become the main driver and the mother as a named driver. I've heard this pushes the premium down slightly?

Thanks to everyone that has posted!

Unfortunately this is not allways the case

My wife and I are on my sons policy - he is 21 at the end of May.

Having us on there actually increases his policy by circa £100. We both have full NCD and clean licences.

I also know of one other MINI2 member who is 23 who has the same experience.

[supa-dupa-cooper]

Quote: Originally Posted by Snowie (original)

Unfortunately this is not allways the case

My wife and I are on my sons policy - he is 21 at the end of May.

Having us on there actually increases his policy by circa £100. We both have full NCD and clean licences.

I also know of one other MINI2 member who is 23 who has the same experience.

This also happened to me when I was sorting insurance first time round, again like Alan and Jan my parents have full NCB and clean licences, and yet the premium went up by about £200!!

[Tunster]

Freedo: I think you're going to have to let time pass by I'm afraid unless you can pay for it. I would wait 2 years so you reach 3 NCB and are 21. By then, you'll have enough discount and your experience/age will help. As everyone else has said, "fronting" isn't going to get you anywhere. I know I don't have any idea of your driving skills, but having a Cooper S or JCW at 19 is dangerous with probably the little experience you have. Even the Cooper S is a lot of car to handle.

I'm 21 and with 2 NCB. I've managed to push my first premium to be £1000 with my Dad as a named driver for my new MCS I'm getting in 2 weeks time. For some people, it works, some it doesn't.

Maybe you should be looking at a Cooper or even a Cooper D? Then trade it in after 2/3 years. That's what I would do in your position.

[drumzz]

ok, im in a similar position to you. putting your mum's name on the v5 makes no difference to insurance - its who actually owns the car - my mum's name is on the v5 registration document of my cooper S.

however, I'm insured in my own name with both my parents as named drivers - hence, i am the main driver.

got the S when i had just turned 18, with 0 ncb - £2900. that's after moving up from a cooper - they're great cars, but nothing on the S.

best of luck.

[Freedo]

Quote: Originally Posted by Tunster (original)

Freedo: I think you're going to have to let time pass by I'm afraid unless you can pay for it. I would wait 2 years so you reach 3 NCB and are 21. By then, you'll have enough discount and your experience/age will help. As everyone else has said, "fronting" isn't going to get you anywhere. I know I don't have any idea of your driving skills, but having a Cooper S or JCW at 19 is dangerous with probably the little experience you have. Even the Cooper S is a lot of car to handle.

I'm 21 and with 2 NCB. I've managed to push my first premium to be £1000 with my Dad as a named driver for my new MCS I'm getting in 2 weeks time. For some people, it works, some it doesn't.

Maybe you should be looking at a Cooper or even a Cooper D? Then trade it in after 2/3 years. That's what I would do in your position.

I think I'd be able to handle a MCS. I did used to work at brands hatch as a motorsport mechanic for around a year driving/testing Audi s/seaters and Peugeot 206 Rally cars. I did also own a 106 rallye which was probably just as fast as a MCS - (1/4 mile 14.8).

Quote: Originally Posted by drumzz (original)

ok, im in a similar position to you. putting your mum's name on the v5 makes no difference to insurance - its who actually owns the car - my mum's name is on the v5 registration document of my cooper S.

however, I'm insured in my own name with both my parents as named drivers - hence, i am the main driver.

got the S when i had just turned 18, with 0 ncb - £2900. that's after moving up from a cooper - they're great cars, but nothing on the S.

best of luck.

Soo, Drumzz who was that with? I should get it near, if not under £2k with my 'stats' then...

[Tunster]

Quote: Originally Posted by Freedo (original)

I think I'd be able to handle a MCS. I did used to work at brands hatch as a motorsport mechanic for around a year driving/testing Audi s/seaters and Peugeot 206 Rally cars. I did also own a 106 rallye which was probably just as fast as a MCS - (1/4 mile 14.8).

That's fair enough. That's why I said the "general" 19 year old young male wouldn't be able to handle a car that powerful. However, I guess you having worked with fast cars, you appreciate the power of a car like the MCS.

Don't stop at insurance comparison sites. Ring every possible company possible as you can generally haggle a better deal over the phone.

Good luck!

[Dave_Boost777]

Quote: Originally Posted by Freedo (original)

I did also own a 106 rallye which was probably just as fast as a MCS - (1/4 mile 14.8).

Have you got a time slip to prove that by any chance? seems a little optimistic for a 106 Rallye.

Anyway, i think going for the Cooper S straight away isnt worth it, id say get a Cooper.

Just to give you an idea, get a Cooper then in a couple of years get a Cooper S, im 22 and paying £540 fully comp and last year was £850, so well worth leaving it a while.

Also reading your other post, i noticed youre thinking of going with A Flux, you might want to double check what insurance they will give you, as last time i checked they wont insure under 21 fully comp.

If a Cooper doesnt appeal to you and you want something as quick as a Cooper S, id get a Starlet Turbo (0-60 in 6.9 secs, Jap import only), which was my last car, and at your age i was paying £800 full comp with elephant.

Good luck anyway

[KillerByte]

I noticed from your other thread - GP rear seat delete pack - that you intend to use the car for work. You will need to inform your insurance company that you'll be using it for business use as well which will put your premiums up too.