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#204453 - 5th Feb 2008 8:06pm Car Insurance
Petei123 Offline
Smartchild

Registered: 10th May 2007
Posts: 558
Loc: Prenton
i'm thinking of getting a car on finance because im p***ed off of buyin cars that just go boom on me.

basically i got banned from driving when i was 17, so now i'm only really able to get insured TPFT without insurance way too high.
so ive been looking into a few cars from dealerships but when i phone the insurance to enquire about prices etc they say i can only be insured at FC because the car is over X amount, but they are able to insure TPFT is the car i own is below X amount.

Now if i went about doing this (insuring the car lower than its value) is it illegal? or is it just stupid incase i have a crash etc and they won't pay the full amount of the car if i crash?

thanks

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#204492 - 5th Feb 2008 9:18pm Re: Car Insurance [Re: Petei123]
BMW Joe Offline
Wiki Master

Registered: 30th Apr 2006
Posts: 12369
Loc: Birkenhead
It wouldn't be illegal, but I dunno if it would invalidate your insurance, not certain, but I think they just wouldn't pay the full amount if you claim.

I've put a lower value for what my old car was worth and an independant inspector came to evaluate the value of the car and the cost of damage and declared it worth more than what I claimed it was worth.
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#204499 - 5th Feb 2008 9:25pm Re: Car Insurance [Re: BMW Joe]
MattLFC Offline
Wiki Master

Registered: 14th Aug 2004
Posts: 22315
Loc: Moreton/Beirut/Mobile
Yer insurance companies will find anything to avoid paying out on nowadays... you have a crash, and you have told them the car was at a lower value than what you paid for it, and err errrrr you lose the car and it render's your insurance invalid.

The problem that it will actually be classed is summit like using deception to fraudualently obtain motor insurance... in other word's you won't have a leg to stand on, even moreso, because you bought the car on finance, so cannot disprove how much you paid for the car...

You can however get finance insurance, which means the finance will be paid in the event of an accident, but you would still end up with no car, and there is nothing to say that using deception to obtain motor insurance will not affect this either!!

smile

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#204647 - 6th Feb 2008 8:37am Re: Car Insurance [Re: MattLFC]
Petei123 Offline
Smartchild

Registered: 10th May 2007
Posts: 558
Loc: Prenton
so i would be able to insure it at a lower value, but if i have an accident i'm basically buggered? looks like i'm guna have to save and buy a car right-out then.

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#204654 - 6th Feb 2008 9:35am Re: Car Insurance [Re: Petei123]
CustomIce Offline
The IceMan commeth
Wise One

Registered: 3rd Dec 2006
Posts: 847
Loc: Wirral
Fully comp will pay out to fix your car if you crash it

third party (FT) will pay nothing to fix your car anyway, only the things you hit. They will pay out if it burns or gets nicked.

Your choice on the risk v's affordability.

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#204673 - 6th Feb 2008 11:37am Re: Car Insurance [Re: CustomIce]
Petei123 Offline
Smartchild

Registered: 10th May 2007
Posts: 558
Loc: Prenton
so basically its not illegal to under value the car, but if i crash and its my fault i'm basically buggered, but could still be ok if its not my fault?

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#204674 - 6th Feb 2008 12:18pm Re: Car Insurance [Re: Petei123]
Beemertastic Offline
Forum Addict

Registered: 16th Oct 2007
Posts: 1113
Loc: wirral
Originally Posted By: Pete_306TD
so basically its not illegal to under value the car, but if i crash and its my fault i'm basically buggered, but could still be ok if its not my fault?


nope its not illegal to under value your car...but not at all a good idea..esp if you have finance on it as you would still be liable for the difference.
...so all in all NOT advisable!
have you looked through a specialist insurance broker that deals with people with past convictions etc.... might be worth a try
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#204686 - 6th Feb 2008 12:55pm Re: Car Insurance [Re: Beemertastic]
MrPhil Offline
Forum Master

Registered: 14th Apr 2006
Posts: 2367
Loc: Prenton
here's a story for you pete...

Lad i work with had a Saxo 1.1 on finance, he paid 8 for the car in 1999, he drove the car for a couple of years all fine and dandy, he then went out and caused a crash (not sayin you will but you get the jist) he was only 3pf&t. his finance people said to take Fully comp but he did not. 9 years down the line he still owes 8k.

For the extra say 20quid a month for instance (what 8 pints?) you can be rest assured that even if their was a crash it will be covered.

How old are you pete? if you are under 21 don't some Dealers do a Free years insurance with their cars? Vauxhall, Citreon?
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#204690 - 6th Feb 2008 1:05pm Re: Car Insurance [Re: MrPhil]
Brocks Offline
Smartchild

Registered: 11th Jan 2007
Posts: 520
Loc: Wirral
Pete,

Buying a car on finance won't cover you if it goes "boom" as you say.

I had an L-reg 306 XTDT that I bought on finance. It was 2 years old when I got it. In the first year it totalled up around 8-10k in warranty claims through the dealer. When I decided enough was enough, I looked at the resale value vs the Finance. I had to keep the car for another year before I could get rid and pay the finance off.
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#204705 - 6th Feb 2008 1:56pm Re: Car Insurance [Re: Brocks]
Petei123 Offline
Smartchild

Registered: 10th May 2007
Posts: 558
Loc: Prenton
i'm 20 at the moment and 2 insure a car with a 1.2 engine i'm looking at 1300 TPFT. fully comp is in the region off 2800-3500. and thats with specialist insurers that deal with convicted drivers.

say for instance tho i took out finance and paid fully comp 4 the 1st year, but when its up 4 renewal the next year, the car will depreciate and you may change companies so would have 2 give all your details again you would then be able 2 re-value the car would'nt you?


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#204708 - 6th Feb 2008 2:06pm Re: Car Insurance [Re: Petei123]
MrPhil Offline
Forum Master

Registered: 14th Apr 2006
Posts: 2367
Loc: Prenton
you will have another 1 years no claims then pete so maybe your insurance will be cheaper?
_________________________

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#204716 - 6th Feb 2008 3:00pm Re: Car Insurance [Re: MrPhil]
Petei123 Offline
Smartchild

Registered: 10th May 2007
Posts: 558
Loc: Prenton
just gave citroen a ring then. they do an offer of 1 years free insurance on the c2 vts models.

unfornuatley tho its not available until i'm 25 and i'm not allowed to have had any convictions/accidents within the previous 5 years.

so i think a trip to carcraft may be in order!!

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#204717 - 6th Feb 2008 3:08pm Re: Car Insurance [Re: Petei123]
MrPhil Offline
Forum Master

Registered: 14th Apr 2006
Posts: 2367
Loc: Prenton
don't do car craft pete they will have you off big time.

thought about a loan from the bank instead? cheaper intrest rates, also you will get a better deal with them when you pay with cash.

thought about the Fiesta Zetec S Mk6?
_________________________

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#204718 - 6th Feb 2008 3:11pm Re: Car Insurance [Re: MrPhil]
StuyMac Offline

Wiki Master

Registered: 24th Nov 2003
Posts: 12002
Loc: Wirralshire
Why does everyone want to wizz round in the fastest car possible - if they can afford it or not ... whistle

If your struggling to insure a car, get something with a smaller engine for a year or so, save your money and get something better at a later date.

Somewhere like car craft will still pull your pants down, and IIRC you have to insure the car still.

There are plenty of low ins group, nippy car out there...
_________________________


What If There Were No Hypothetical Questions?

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#204719 - 6th Feb 2008 3:15pm Re: Car Insurance [Re: StuyMac]
MrPhil Offline
Forum Master

Registered: 14th Apr 2006
Posts: 2367
Loc: Prenton
fiesta mk6 zetec s is a group 8insurance as far as i know so hardly a record setter.

personally i would look at a cheap corsa 1.4, mk4 fiesta etc, plenty quick enough for your age.
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