Insuramce question?

[volvorocks]

Originally Posted by r-designbob

I hope this is the correct forum for this question?

My son has a ford fiesta that has a lapsed insurance. My question is:
Can I drive it to my house on my fully comp ins or does the fiesta have to have it's own insurance?

He wants to park it at my house with a SORN certificate for a while, until he can afford the astronomical prices the ins company's want for a youngster.

As others say, the vehicle potentially being driven on the extention of your own policy has to have its own policy.

Simply ring your insurance company, explain the situation, and obtain cover. Then declare the Fiesta off road once it arrives at its destination.

I have done this a few times at no cost.Depends on your insurance company.

Also regards insurance for your lad, have you tried the CO-OP and their black box monitoring insurance policy?

Regards

[dew1911]

Originally Posted by volvorocks

As others say, the vehicle potentially being driven on the extention of your own policy has to have its own policy.

Simply ring your insurance company, explain the situation, and obtain cover. Then declare the Fiesta off road once it arrives at its destination.

I have done this a few times at no cost.Depends on your insurance company.

Also regards insurance for your lad, have you tried the CO-OP and their black box monitoring insurance policy?

Regards

Am I the only one who is really against this whole black box system? I've been hearing that bell (my current insurers) are starting to make it compulsary, and if that's the case I wouldn't be with them if the insurance was free!

[volvorocks]

Originally Posted by dew1911

Am I the only one who is really against this whole black box system? I've been hearing that bell (my current insurers) are starting to make it compulsary, and if that's the case I wouldn't be with them if the insurance was free!

Why are you against it?

Seems a good idea if younger, or less experienced drivers are monitored in order to alter their behaviour on the road for the better of everyone. Additionally these very same drivers are able to obtain insurance at a lower cost than would otherwise be the case, thus enabling them to actually drive!

[Ninja59]

Originally Posted by volvorocks

Why are you against it?

Seems a good idea if younger, or less experienced drivers are monitored in order to alter their behaviour on the road for the better of everyone. Additionally these very same drivers are able to obtain insurance at a lower cost than would otherwise be the case, thus enabling them to actually drive!

I think some might take offense at that statement because tbh most of the driving i have found is by "middle aged" in tailgating and speeding (i rarely get tailgated by younger drivers)! So saying that younger drivers/inexperienced are the problem seems totally unfair.

[dew1911]

I'm against on the simple grounds that I take offense that a company that I contract feel the need to spy on me at any opportunity.

It's one small step from this to constant monitoring, you break the speed limit by 2mph and an instant fine. I rarely rarely exercise the car and when I do it's usually when it is safe to do so, the last thing you need is the Insurance company knowing straight away and trying to penalize you for it.

Next you'll be giving them the keys and asking for their permission to take it out!

[r-designbob]

Thanks guys;
I guessed It would have to be insured b/4 I could move it. Wanted clarification.

I will ring my insurers an maybe get it insured for moving...A one off!!

[volvorocks]

Originally Posted by Ninja59

I think some might take offense at that statement because tbh most of the driving i have found is by "middle aged" in tailgating and speeding (i rarely get tailgated by younger drivers)! So saying that younger drivers/inexperienced are the problem seems totally unfair.

If any offence is taken, that will be their perception and interpretation of the statement. None intended!

It was actually intended as a helpful statement for those unaware of the availablity of these black box systems, in order that they may consider other options available to them.

Irrespective of the fact you say you are tailgated or sped past by 'middle aged' drivers, which may be the case do bear in mind these very same people are incorporated in my comment - 'the less experienced' .

Anyway based on data held it is shown that claims are higher for 'younger or less experienced' - bearing in mind that your 'middle aged' tailgater/speeder may fall into the latter category due to only recently having passed his or her driving test!!

Regards fairness. Life unfortunately is not fair, and a young driver with say just 2 years experience may be a super driver and very sensible, yet this may not be recognised by an insurer. Older drivers, irrespective of their experience may be idiots on the road, yet if they have not made claims they appear to be 'rewarded for this idiocy'.

Thats life my friend!

Welcome to the 'black box system' which may be an answer to this seeming 'inequality'

Regards

EDIT: The reason you may not have been tailgated or observed speeding by younger drivers may be due to the fact they have the 'black box system'

[volvorocks]

Originally Posted by r-designbob

Thanks guys;
I guessed It would have to be insured b/4 I could move it. Wanted clarification.

I will ring my insurers an maybe get it insured for moving...A one off!!

Also Bob, I think Marty Dolomite is in Southampton,relatively near? - and he is a recovery guy with a truck

Regards

[r-designbob]

I agree VR, anything that helps "inexperienced" drivers get value for money cant be a bad thing....surely. Plus it might make them better drivers.

[Ninja59]

Originally Posted by volvorocks

If any offence is taken, that will be their perception and interpretation of the statement. None intended!

It was actually intended as a helpful statement for those unaware of the availablity of these black box systems, in order that they may consider other options available to them.

Irrespective of the fact you say you are tailgated or sped past by 'middle aged' drivers, which may be the case do bear in mind these very same people are incorporated in my comment - 'the less experienced' .

Anyway based on data held it is shown that claims are higher for 'younger or less experienced' - bearing in mind that your 'middle aged' tailgater/speeder may fall into the latter category due to only recently passed his or her driving test!!

Regards fairness. Life unfortunately is not fair, and a young driver with say just 2 years experience may be a super driver and very sensible, yet this may not be recognised by an insurer. Older drivers, irrespective of their experience may be idiots on the road, yet if they have not made claims they appear to be 'rewarded for this idiocy'.

Thats life my friend!

Welcome to the 'black box system' which may be an answer to this seeming 'inequality'

Regards

Information on claims and saying that drivers are young/inexperienced are driving and need behavior changing is two different things that is what after all you said!

Yes it my affect the premium and sure it does, but even so i doubt many inexperienced drivers could afford to insure a brand spanking new jag XJ...in the soaking tailgating me @ 70....

I know there is inequality and fair deal over it, but do not suggest at any time that ALL bad driving behavior is down to young or inexperienced drivers.

Tailgating and stupid driving can be done by anyway no matter experience or age/sex.