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| The Pub For General Automotive Related Talk |
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04-02-2007, 08:12 PM
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BOSS Pilot
Join Date: Sep 2005
Location: on the loud pedal! Brisbane
Posts: 6,020
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Hi
My sister is picking up her first car tomorrow and we did an online quote for insurance that came back at $3k. We then did a quote with having the insurance in dads name and having on the policy a nominated driver under 25 which came back at $1030 a year. Can we have the car registered in my sisters name and the insurance in dads name. Ive heard of it happening a bit but is it ok to do with the registration and insurance in two different names? I think some people dont have any additional drivers on the policy and that is where they go wrong is that right. Any help or suggestions would be great. Thanks Luke
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04-02-2007, 08:27 PM
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Focus on my Focus
Join Date: Dec 2005
Location: Canberra
Posts: 820
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Not so sure about now but when I asked about 6 years ago (long time I know), the owner of the insurance policy had to be at least a part owner of the vehicle.
Car belonged to dad, I was gonna take over it... blah blah... etc. And that was the answer the insurance company (AAMI I think) gave us. You should just give them a call and ask.
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Now: 2006 Ford Focus LX Manual in Satin White Wife: 2013 Kuga Titanium in Frozen White Then: 1990 Ford Laser - Assasinated by a 76 year old man who failed to give way. Now normally when we have these races, Jeremy goes in the car and says "Powerrr" alot.... - James speaking about Jeremy (Top Gear S7 E05) American parts... Russian parts... ALL MADE IN TAIWAN! - Russian guy in Armegeddon |
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04-02-2007, 10:24 PM
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The one and only
Join Date: Dec 2004
Location: Carrum Downs, Victoria
Posts: 9,053
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Shouldn't be a problem.
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1992 DC LTDHO 360rwkw built by me Tuned by CVE Performance Going of the rails on a crazy train Other cars include Dynamic ED Sprint, Dynamic DL LTD, Sparkling Burgundy DL LTD, Yellow, Red & Blue XB sedan & Black XB Coupe
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04-02-2007, 10:35 PM
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Banned
Join Date: Jan 2007
Location: geelong
Posts: 1,288
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i am doing my insurance on my first car tomorrow and contemplated that.
im sticking with 3rd party and fire and theft which from aami will cost me $310. to my knowledge if i own the car it straight away puts the cost up. where as it was in my dads name it would be cheaper but if they work out that i actually own the car we will get screwed over and not get any insurance. plus in years to come when i get insurance in my own name ill have a rating 5 or something cause i haven't had insurance before. so it stuffs ya then as well |
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04-02-2007, 10:36 PM
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FF.Com.Au Hardcore
Join Date: Jan 2006
Location: Sitting on the Dunny , Contemplating "What to do Next".
Posts: 505
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We tried this a couple of years ago (through an insurance broker) . but the companies he deals with all said the car had to be insured in the registered owners name and list the under 25/21 drivers . Ended up pretty much the same amount as the younger drivers , even with 3rd party wasn't any cheaper .
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XB Futura 302 , Wife ED Fairmont ,1994 Polynesian Green. Daughter No 1 KJ Laser , Daughter No 2 KH Laser Keeping FORDS in the family (Embarressment :yeees: , Son now has a "Camira"  : )"Look Right , Look Left , Look Right , BEFORE crossing Roads"
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04-02-2007, 10:39 PM
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FF.Com.Au Hardcore
Join Date: Jan 2005
Location: Working, chasing after my daughter and working
Posts: 3,407
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Should be ok but you will get additional premiums on top of your existing the younger the driver.
Eg: Std premium-$500 Additional premiums males under 21-$1200 femals under 21-$900 males 21 and under 24-$600 femals 21 and under 24-$300 Drivers 24 and over but licenced under 2 years.$400 Should go something like that. |
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04-02-2007, 11:01 PM
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FF.Com.Au Hardcore
Join Date: Oct 2006
Posts: 1,652
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My car is registered in my Mum's name for pensioner rego and insured in my name, because I drive it. Registration is not proof of ownership. My Dad has drummed that into me and he knows all. A receipt is proof of ownership. That being said I never got a receipt for my last car because it was leased and I still managed to sel lit oK.
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05-02-2007, 07:14 PM
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BOSS Pilot
Join Date: Sep 2005
Location: on the loud pedal! Brisbane
Posts: 6,020
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Thanks for the replies. Just to let you know how it went. We got the policy in my sisters name with parents as drivers and an under 25 driver on the policy and got it for the $1000 instead of $3000. And its still in her name which is good.
Cheers Luke
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