Quinster Posted October 7, 2015 Posted October 7, 2015 My lad has his own car but can't drive my Z till he's 25 unless he's with the co-op insurance. Anyone else have this problem and is there any way round it? Quote
WINKJ Posted October 7, 2015 Posted October 7, 2015 First of all I can't comment on this at all as I don't have kids. But I must say that's kind of you putting your son on your insurance!! Quote
brillomaster Posted October 7, 2015 Posted October 7, 2015 do you mean companies are flat out refusing to insure him as a named driver, or were you thinking of using the 'can also drive other vehicles with the owners permission' part? if its the latter that normally starts from age 25... 1 Quote
rabbitstew Posted October 7, 2015 Posted October 7, 2015 Mad, my dad wouldnt even put me on his 1.6 Vauxhall Cavalier when I was that age! 1 Quote
370Ad Posted October 7, 2015 Posted October 7, 2015 (edited) Loads of people on here are 21 or younger when they first had their Z. I was 22 and the 50 only cost me £450 with admiral. Edited October 8, 2015 by 370Ad Quote
WINKJ Posted October 7, 2015 Posted October 7, 2015 sorry I should of added that I got my HR 350z when I was 21 with no problems (admiral) Quote
Mikevv Posted October 7, 2015 Posted October 7, 2015 Im 21 and only have 1 years ncb, been driving for 2 years and had my license for nearly 4. Was a named driver on my first car and long story short they wouldn't take it as a year ncb cause I wasnr the main driver, despite them telling me I would. Any ways. With 1 years NCB I pay about £150 a month to insure my Z which is £12 more than my first car cost me. But as a 2nd driver I can't get insured on someones Z without paying double that :/ He may have to have his own separate policy 1 Quote
Ekona Posted October 7, 2015 Posted October 7, 2015 Always a way round it. Either he insures himself on a separate policy, or he takes a policy out with the co-op (who I'm guessing you're with?). That said, why can't you just put him on your policy as a named driver? Quote
JetSet Posted October 7, 2015 Posted October 7, 2015 He may have to have his own separate policy Is that possible? I always thought that a car can only be insured once and by the owner. Anyway, 25 seems to be the dividing line for being added to a policy as a named driver on a Zed and probably on lots of other cars too. When I first got my Zed that was one of the conditions. I guess insurance companies think that young people who actually own the car are a safer bet than someone driving dad's or mum's car. Pete Quote
Ekona Posted October 7, 2015 Posted October 7, 2015 You can insure a car regardless of owner and by as many people on as many policies as possible. You can only claim on one policy though, and some insurers get a bit funny insuring you on cars you don't own. Many are absolutely fine with it though. Quote
harryjackson Posted October 7, 2015 Posted October 7, 2015 I'm 22 and had my Z a year now. Insurance is fine (diamond) :-) Quote
M1 6RYF Posted October 7, 2015 Posted October 7, 2015 I bought mine at 22 and its pennies to insure. Cheaper than some 1.2 clios and other rubbish hatches. Quote
Quinster Posted October 7, 2015 Author Posted October 7, 2015 do you mean companies are flat out refusing to insure him as a named driver, or were you thinking of using the 'can also drive other vehicles with the owners permission' part? if its the latter that normally starts from age 25... Yeah, that'll be it. Quote
Quinster Posted October 7, 2015 Author Posted October 7, 2015 Thanks for the replies, I'll speak to him tomorrow. He's got his own policy for his own car (not a Zed). I just thought he would be covered to drive mine but apparently not (till he's 25). Quote
Charleyb123 Posted October 12, 2015 Posted October 12, 2015 ive recently insured my zed through Aviva at 1200 a year I.e. 110 a month with a 800 pound excess as im under 25.....after speaking to a lad at santa pod on sunday, he has less NCD than me and is a year younger but pays 700 a year with elephant! I think ill be ringing round again! I must add that im 22 with 5 years NCD, no points, no claims and live in a very good post code which is basically anywhere that isn't the north or London Quote
Juggalo Posted October 12, 2015 Posted October 12, 2015 My sons 24, with 2 NCB. And his quotes on a Zed was over £5,000, with black box What the hell! Quote
Juggalo Posted October 12, 2015 Posted October 12, 2015 Ah, sussed It. Insurance companies don't seem to like soldiers...that leave their car locked in a heavily guarded military base and rarely get driven. Insurance has no logic. Quote
M1 6RYF Posted October 12, 2015 Posted October 12, 2015 Ah, sussed It. Insurance companies don't seem to like soldiers...that leave their car locked in a heavily guarded military base and rarely get driven. Insurance has no logic. I'm in the military, have 2 years ncb and pay about 750 a year for my Zed and a run around corsa. Quote
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