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Provisional and People-Carrier Insurance

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  • 09-05-2004 8:09pm
    #1
    Duffman
    Closed Accounts Posts: 1,248 ✭✭✭


    I'm 19 and am applying for a provisional liscense. The only car available to me is my parent's 2 litre people-carrier..

    Does the fact that it's a people carrier affect the premium? I suppose it would.

    So my question is whether I would have a chance in hell of getting insured as a named driver for a car like this?


Comments

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    #2
    DrummerBoy
    Closed Accounts Posts: 598 ✭✭✭DrummerBoy


    ........You have a chance in hell. As I understand it by law insurence companies have to give you a quote. The real question is whether or not you have a chance in hell of affording it!


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    #3
    leeroybrown
    Closed Accounts Posts: 7,563 ✭✭✭leeroybrown


    If the only two drivers currently included are your two parents then you'll be very heavily loaded. If you have other relatives named before you and your parents have a long long record with the insurer it mightn't be quite so bad.

    It'll still be a sizable amount.

    The fact that it's a people carier will probably add a bit because of the 7 passenger liability.


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    #4
    Stephen
    Registered Users Posts: 18,484 ✭✭✭✭Stephen


    The 2-litre engine will be crippling for a provisional too.


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    #5
    ToxicPaddy
    Moderators, Business & Finance Moderators, Society & Culture Moderators Posts: 9,763 Mod ✭✭✭✭ToxicPaddy


    If you sit down and work out the cost of it all, then after a year or two you will
    probably have spent the cost of a second car on the insurance.

    Its easy enough to pick up a small car in good nick for under €4000.. and you're
    insurance will be a fraction of that on the people carrier...

    For the sake or it, it might be worth going and getting a small 1 litre car thats a few
    years old and getting insured on that as a named driver with one of your parents
    as the main driver..

    This way, when you work out the numbers, say after 3 years, you will have your own
    car and a full licence and possibly your own policy, where as if you just get insured
    on your parents car, then you will only be able to drive it a fraction of the time and
    in the same period of time, the only thing you will more than likely have is a serious
    dent in your bank account after paying insurance on a 2 litre 7 seater.

    Tox


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