Sarnie

Is this thread a Saga convention???

Glad you got it sorted in the end. I'm pretty sure that they have said that they would wouldn't have insured him on the zed as the main driver due to the fact that he would have zero NCD. You have to think about it from a risk point of view. Lets say a main driver drives the car 90% of the time and the named driver 10%. From an insurers point of view, you want the person who is the main driver and exposing them to risk 90% of the time, to be the lowest risk e.g high NCD and probably female etc. Conversely it also makes sense for an insurer to spread the risk, hence why it is usually cheaper to add someone else to a policy. Granted it doesn't make a lot of sense to most people but the logic is sound and I've not heard of many insurance companies going bust so they obviously know what they are doing.......

For insurance purposes the legal owner is the same as the Keeper of the vehicle eg the name on the V5, that will show up on the ANPR searches etc. When you take out insurance they will ask if you are the legal owner and or keeper of the vehicle. My concern is that if twobears is down as the owner/keeper of the zed of the V5 then Mr twobears cannot insure it as the owner/keeper and then put twobears down as a named driver. Similarly, twobears daughter could not insure the FIAT in her name as the main driver without changing the V5 over to reflect her new status as the owner/keeper of the vehicle. My M3 was bought and paid for by me, so the V5 and subsequent insurance was in my name and Mrs Sarnie as named driver. When we got the Alfa, it was cheaper to insure it with her as the main driver and me as the named driver, which mean't the car was registered in her name and the V5 reflects this.

Some one's been busy

Love it

Why don't we have an 'online party'???? Everyone get a load of booze in on the 26th , get trashed and post pictures of your booze going down and watch everyones posts get more and more incoherent

I think you need to discuss it all with your husband and clarify exactly what the situation is, then you can workout the way forward as theres so many options depending up on the exact circumstances. +1 You need to clarify with your husband, where he gained the NCD that he is using on the zed? If it's fifteen years of not claiming on the company cars insurance, then he needs to clarify with the insurer of the zed that this is acceptable, as as far as I'm aware, it's not. If he is using NCD that he had from his CBR, he also needs to clarify that this is acceptable as a) it's a motorbike and if this was a few years ago, how big a gap will the insurer allow in insurance policies to allow you to carry on the NCD. As I said previously, you can't build up a load of NCD and then not have a policy for a few years and then just start up a policy using the previous NCD. NCD is given for CONSECUTIVE years of not claiming, any break in insurance, renders the previous NCD invalid usually.

It does say '300' in the title, which confirms that it is a MY06 car registered in 2007.

My initial concern is that you have insured your husband as the main driver of the zed, when he is not the legal owner of the car. Most insurers require the main driver to be the owner. If your husband is on his companies insurance, he cannot be accumulating personal NCD. If you think about it, NCD is granted for each year that you have a policy without claiming, but your husband doesn't have a policy as he is (assumedly) on his companies insurance. How many years has he been insured via the company? Or, how long ago is it since he had his own personal policy? You need to be wary if it's been a few years, as you can't rack up say 10 years of NCD, have a few years off whilst you drive a company car, and then suddenly start up a policy claiming the 10 years NCD that you accumulated previously.......

It's true that you can't accumulate NCD on two cars, unless the insurance company will mirrow the NCD he has, which not all do. Have you tried to a multicar policy with Admiral? Who is the legal owner of the zed, you or your husband?

For £200k, you'd hope so!!

I did exactly this!! Bought him a Scalextrix for his first birthday that he is not supposed to play with until he is five years old plus!!

I don't think anyone would seriously think that this is going to be an awesome all terrain vehicle. I also don't think anyone who would be seriously considering this car would even have it in their mind that this is going to be the best off road car out there. People purchasing it will be buying it with the thought of buying a car to transport their families, quickly whilst still being able to buy into the Lambo brand. How many Cayenne's or even RRS' are ever taken off road?? Most are rich man's wives cars used to drop the kids off at their private schools etc etc.

Think Ive found the solution for us Liam... http://www.digitaltrends.com/cars/lambo ... ls-leaked/ I need this first

Actually - this is how much he means to me.. http://www.pistonheads.co.uk/sales/3807283.htm I wont have time for toys like that for a while. Ill take him out in a 458 or Aventador in a few years Yes One of those little wooden ones Fair play mate, my 'toy' sabbatical, that was supposed to be two years, is now up to 4 years after number two arrived in January

Awesome news mate, at least you kept hold of the 430 unlike me that folded under the pressure Congrats though, you will seriously not know what you did with your life prior to kids

What I don't understand, is that if she has NO memory, how can she bring charges? Surely, not remembering is not equal to not giving consent. If so, there could be a lot a guys waking up next to a woman this weekend in danger of being accused of rape if she doesn't explicitly remember giving consent

OOOOOSH

*Stew added as foe*

Bizarrely it looks more like a 458 than a 360

I'd expect a £35k GTR to depreciate to the same amount that your warranty costs The c£1,900 a month cost of a GTR is what has caught out a lot of people imo......

As long as you can take the banter your always welcome

Twobears, what is this female forum you frequent? I'd like to go on there and ask if I should add spacers to my car, or other such stuff that I'm sure they'd find really interesting