17 year old Insurance! Defender 90

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i got my old 90 which the log book said it had the 2.5td though it had a 200tdi fitted at 18 as my first car as i was slow to pass my test, it was in my mum name with me as a named driver. that was £1650 with more than throught the comparson websites. i am now 21 and on my second 90 after i rolled my old one last year. as for the young drivers crashing while if you crash in a landy they are easy to repair and put back on the road again. i found that insureance for a landy was no more expensive and in fact cheaper in some cases than a ford fiesta or other small car.

tip i have found help: have a job if your still at college etc then your are more likely to be joy riding about during the day etc and the price goes up.
put your parents on as named drivers both if possible as that brings it down.
if its not going to stay in a garage then say its parked on the street as that is cheaper than saying its parked on a drive.
alarms also bring the price down too.

i hope this is of help,
 
D90mitch said:
Surely you mean its cheaper parked on a driveway than the street :L ?
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nope if you put it in on the comparison site with both you will find it cheaper, i think it relates more to modern car thieves breaking into the house and stealing the keys to the car on the drive instead of hot wiring them like in the old days so no need to worry where the car was parked.
 
bluehaze said:
My eldest is nearing 17 and she is going to get a 90 (although I would prefer her to have a series 3 as they are even cheaper to insure) and with the misses as a named driver, go compare comes in at £1100 for the first year (£998 for a series 3). The way I see it is that she will have a sound vehicle which she can learn a lot from (in terms of general maintenance) and less chance of having a prang, and if she did the other party would be in a worse condition! Guess what her b'day present will be until she is in full time employment?

Still a rip off for young'ens.
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If that's genuine I think you may ave just brought this forum to a close! That's a brilliant offer! Which insurance company?
 
bluehaze said:
My eldest is nearing 17 and she is going to get a 90 (although I would prefer her to have a series 3 as they are even cheaper to insure) and with the misses as a named driver, go compare comes in at £1100 for the first year (£998 for a series 3). The way I see it is that she will have a sound vehicle which she can learn a lot from (in terms of general maintenance) and less chance of having a prang, and if she did the other party would be in a worse condition! Guess what her b'day present will be until she is in full time employment?

Still a rip off for young'ens.
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What are you typing in to get that quote? It came up with 5 grand when I tried.....
 
If the system thinks you're fronting, it bumps up the quote.

Best advice is to be a named driver on a parents policy, with said parent also the registered vehicle owner. If said parent doesn't already have a car (uses a company car or something) then this can work out a lot cheaper.
 
Costlyy said:
If the system thinks you're fronting, it bumps up the quote.

Best advice is to be a named driver on a parents policy, with said parent also the registered vehicle owner. If said parent doesn't already have a car (uses a company car or something) then this can work out a lot cheaper.
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Not good advice. If you are a named driver on your parents policy, it is assumed by the insurance company that your parents are the main drivers of the vehicle. If you make a claim while a named driver is driving, especially a young driver, the insurance company will investigate the claim very thoroughly, and if they are even slightly suspicious that you may be the main driver, and not your parents, they will inavidate the policy, refuse to pay the claim, and you could even be prosecuted for driving without valid insurance.
 
That's true, but if the owner of the vehicle has no other insurance policy and no other privately owned vehicle besides the one in question, it can be argued that it is indeed his main car and the named driver is just that, someone else who also drives the car.

The insurance company would then have to prove that the named driver was using the vehicle more than the owner. This is not a simple task.

(obviously if the named driver uses the car away from home a lot this is not a good idea)
 
Costlyy said:
If the system thinks you're fronting, it bumps up the quote.

Best advice is to be a named driver on a parents policy, with said parent also the registered vehicle owner. If said parent doesn't already have a car (uses a company car or something) then this can work out a lot cheaper.
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however the parent would then have to be the main driver
 
Costlyy said:
Yes.. That's the point..

Let me clarify; I'm not suggesting that all young drivers should front their insurance, I'm just saying that in some specific circumstances it's not illegal and can work out better for the inexperienced driver.
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Do you know if certain insurance companies who do not allow 17 yr olds to be a main driver would allow a 17 yr old driver to be a named driver?
 
I put that she is 18 (today) and has been driving 1 year (learning and passing test etc - although she can already drive my 110). The best quote is for a series 3 but in all reality she'll be using an early 80's 90 with a td engine and worth £1k. In addition I found it cheaper to add the misses as a named (sensible) driver. I used my post code at Shrivenham.

compare the market was the best comparison site I could find in relation to this situation.
 
Costlyy said:
That's true, but if the owner of the vehicle has no other insurance policy and no other privately owned vehicle besides the one in question, it can be argued that it is indeed his main car and the named driver is just that, someone else who also drives the car.

The insurance company would then have to prove that the named driver was using the vehicle more than the owner. This is not a simple task.

(obviously if the named driver uses the car away from home a lot this is not a good idea)
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The insurance company don't have to prove anything. reasonable grounds for suspicion of fraud is enough for them to avoid paying a claim. If they do refuse the claim, the onus is then on you to prove that everything you said on the policy is correct.
 
martin1512 said:
There are no circumstances in which fronting is legal.
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Good job the scenario I was talking about isn't fronting then...

As long as the main driver drives the vehicle more than any named driver and is registered keeper then it's not fronting.

The insurance company don't have to prove anything. reasonable grounds for suspicion of fraud is enough for them to avoid paying a claim. If they do refuse the claim, the onus is then on you to prove that everything you said on the policy is correct.
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That's such a loose term. What is construed as such?

As long as the car owner is also the insurance executor, what other grounds could there be? (short of an accident away from home)
 
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