Wondering what difference it would make putting 17'' spiders on my standard fabia classic? I'm only 17 so it's rediculosly pricey anyway, thanks in advance.

Connor

Depends on the company.

Ok I haven't insured it yet as haven't passed my test! Can you recommend any company's?

Thanks connor

If your 17 then putting 17's on your car will turn you into a boy racer and then you will drive through a shopping centre killing every one inside and destroying everything in sight then you will flip it on its roof and it will burst into flames and set fire to the entire plannet and you will be solely be responsible for the eradication of the human race. least thats what insurance companies think.

I would go with £100-£300 but thats jus a guess? Try the insurance forum?

Ok I haven't insured it yet as haven't passed my test! Can you recommend any company's?

Thanks connor

Have you looked at ANY quotes?? 17 years old, just passed your test (I hope you will) have you got any idea how much is going to be??

It will cost more than the car, this is for sure. I recon you are looking at £3/4000 at least if you take insurance on your name.

Try co-op insurance as they now do a black box scheme which should save you 20% otherwise you will be shafted if the vehicle is insured in your name.

GOOD LUCK (with the test)

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Try co-op insurance as they now do a black box scheme which should save you 20% otherwise you will be shafted if the vehicle is insured in your name.

GOOD LUCK (with the test)

Cheers mate and I'll have a look at co op

I'll probably go as a named driver on my dads as he's been driving it for the past 6 months is this allowed?

As long as you are not the only person driving it the it should be ok, your Dad's not going to be happy mind...

Cheers mate and I'll have a look at co op

I'll probably go as a named driver on my dads as he's been driving it for the past 6 months is this allowed?

This is only allowed if you are an occasional user, if you are the main user of the car then you must be the policyholder.

Haha it's actually my car thou and I've been letting him use it :/ so I think I could persuade him. Lol

When I changed the wheels on my Polo they didn't charge me anything as they were still VW designed.

(They also charged £2 to upgrade my brakes, at 20! And £17 in admin fees -_-)

Edit - Oh, that's ADmiral

Edited 3 May, 201214 yr by TriggerFish

Sweet ill have to look into it thaks

Connor

Adding different skoda alloys to my insurance put it up about £10 a month i think, but the co-op will not touch you with any modifications of any kind, if you get the smart box they offer, they WILL come and view your car personally and WILL take pictures of the insured car, any changes to this of any kind will void your insurance. That includes anything with the sound system as well, a none standard cd player is not acceptable.

That really... is to avoid the boy racers and to help the "normal" young people to get insured on the road, its great if you can just buy a new'ish car on finance or somting with decent spec to start with. A 19 year old with a smart box will pay about £60 a month for a low insruance group car - under group 5. Although they quote more on their website, if you drive correctly after 3 month your monthly premium will drop.

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Going on your dads insurance is great if its true, it will bring your price down alot but at the end of the day in most cases its untrue and illegal.

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Axa insurance is decent and ive used them recently for quotes.

co-op (with or without smart box) are good as well.

woow ok thanks man think im going to need to shop around if not just stick with the steelies for a bit. thanks for the advice!

Last time I got charged for a n/s alloys it was £80 from Admiral but it will vary from insurer to insurer and even down to what underwriter they use.

If the car is your car as you've said then you can't insure it in your fathers name and go named driver, he has no insurable interest in the car, the process you described is called fronting and can land you in all sorts of trouble, I suggest you read up on it before going any further. What you could do is put your father or mother on as a named driver, this will usually bring down the quote.

Ok thanks mate I defo got some research to do, thanks

Insure it in your name but put both your parents on the insurance policy as named drivers (assuming they drive, that your parents are still with us, and that they have pretty good driving

Records) this is legal because it's my car and my insurance policy, however as said having the insurance in your dads name whilst it's your car is illegal and you will be bum raped by the thick end of the law should / when they catch you. Briskoda have discounted deals with Adrian flux I think? Being a member of a car club such as this (I know it's an online forum but to me is a club) then you can get better deals etc. You may also find as a learner driver your insurance is cheaper, however when you pass it will rocket up. I was lucky that my insurance stayed the same once I had passed however some company's charge a premium when you pass so best to ask, I think the difference in price between being a learner and to passing was a stupid amount (thick end of 1k!!)

http://www.moneysavingexpert.com/insurance/car-insurance-young-drivers#step2

Run a comparison through the two suggested sites at the above link (obviously tell them you've already passed), one without mods and one with alloys and see what the difference is, that'll give you a rough idea. Ensure you add at least two over 40s with 5 years bump and ticket free as this will drop the quote; I popped two over 50s on mine last year and it knocked £140 off (these named drives do not need to be related, live with you or even have a need to drive the car, don't think my aunt even knows what colour mine is!).

The other trick is to pop the voluntary excess up, so you make the overall/total excess around the £500 mark (some insurers do this automatically for young drivers anyway).

This will give you a good ground with which to haggle (once you've passed) as well, I tried quite a few insurers not on comparison websites but ultimately non could match my sub-£500 quote (not bad for a 22 y/o eh?). Tried all of the Briskoda sponsors plus Aviva, Direct Line, NFU Mutual and a few more. You might want to look at Admiral Multi-car too.

I'd strongly advise against any declarable modifications in your first year of driving. Besides which, in your first year you'll probably end up putting a dint or gouge in the car somewhere, so you probably don't wanna spend much on it to start with! Especially alloys, you'll probably kerb them.

As others have said, if you can only get the car insured in your parents' name with you as a named driver if they drive it more than you, otherwise you're "fronting", aka insurance fraud (it doesn't really matter who the legal owner is here - legally speaking, the owner, primary/insured driver, and registered keeper can all be different). Should you be involved in an accident, and the insurer believes that you're the primary driver, they will likely disclaim the policy, and pass it to the police.

Insure it in your name but put both your parents on the insurance policy as named drivers (assuming they drive, that your parents are still with us, and that they have pretty good driving Records)

I would suggest getting quotes with each parent added as a named driver individually, and then with both (so, 3 quotes). I say this because adding either one of my parents reduced my quote, but adding both increased it.

I'm with swift cover and don't have to inform them if I put new wheels/alloys on if they are under £1000, which is a bonus.

Something to look into.

Ok I'll have to look into it! Looks like the general idea is to shop around a bit, think I will have to wait a year or so till I put some alloys on!

Thanks again for all the information!!