Here's the deal...
We're off to Austria to do a ski season and need our car-but also want insurance.
anyone got any ideas about who's cheapest for it? we'll also need it for longer than 3 months (early dec-april) i'm 20 and there will be a 19 year old and a 26ish year old that need to be insured too.
Thanks!!!
Better mention where you live and where your car is registered and insured now. Country null could be anywhere.
i'm 20 and there will be a 19 year old and a 26ish year old that need to be insured too.
What exactly do you want them to be covered for?
You profile says UK.
If so then you need to contact your insurance broker and ask them. The UK insurance industry seemly only issues a green card for a limited time. where as European ones issue them for 365 days. But you cannot purchase European insurance.
You profile says UK.
Oops RS :p
I've only cklicked on OP's username and saw 'Country: null' (the same as in your case...)
How comes that my country is mentioned before clicking on 'View full profile'?
Anyhow, i know nothing of UK policies, but to me, the question is still vague about what exactly the OP is asking for.
Heidiky,
For the car: besides the standard coverage (which may be too limited). Do you want additional assistance and repatriation?
For the 3 persons: Do you want health care coverage which lasts longer than 3 montths, including hospitalisation and repatriation and also covering ski accidents?
Ah... will the hire company even allow 19/20 year olds to drive the vehicle? I'm sure most companies only allow somewhere between 21-25+ ages... yes it's dependant on insurance, but I think you'll find companies wont be swayed by you having your own insurance... could be wrong of course.
Or are you buying? In that case, okay... carry on.
I think we'll all get separate insurance for health, skiing etc, we're instructors so most companies wont touch us with a barge pole but hey.
It's our own car, not a hire btw. We got a quote for just me driving with my 50something year old dad as a named driver and it was £1750ish for three months fully comp then goes down to third party!! we dont really need fully comp, just 3rd party will do but we can't be paying that amount. I'm sure companies will insure us aged 19 & 20 but just more expensive.
Why isn't there a company doing this??? NICHE MARKET!!!!
Have you reviewed your current car insurance, I assume you have it because you must by law in the UK.
"What do I need to do if I want to drive my car in Europe? Every car insurance policy in the UK will provide you with the minimum level of cover that is needed by law to drive in all of mainland Europe. No matter where you are going in Europe, you will be covered - including non-EC countries such as Switzerland and Norway"
Probably why no-one is doing it...
Also read this guide from the AA about what steps you need to take before driving in Europe. Some countries have specific laws in regard to safety (eg France you must carry a high-viz vest, hazard triangle, etc). You also need to make modifications to the vehicle, the headlights for one need to be adjusted so they don't shine into on coming traffic.
Personally, if you do have to get additional insurance - I'd fly and use trains... it'd probably cost you a lot less than the insurance alone. Not only will it be more expensive than your fathers cover (insurance is highest for drivers of your ages no-claims bonus will make a difference) the excess will be very high because of the age of the other drivers.
artemis2
Have you never heard of the new EU country called Null? We do nothing all day here! I have no idea on how to change this or why it comes up so. Maybe it is an error in TTW coding.
Heidiky
You should start phoning around, Googling or getting on your bike, (seeing you do not have car insurance), to some brokers.
Do not put your dad down as main driver as you are committing fraud, insurance companies see through this. For instance your dad is main driver and you have an accident but he is not with you or they find that you have been working out there. These, and more examples, are dead give-a-ways.
As for personal insurance does not your employer cover you?
In the ends it really looks as if you have to seriously think about ‘ants proposition and use public transport.
Why isn't there a company doing this?
If you've seen the road traffic accident statistics for under-25 year olds, you'll understand why.
On the UK roads, 17 - 25 year-olds account for apporoximately 1 in 3 deaths. Let's assume that drivers fall between the ages of 17 and 70, a 53-year age range. That means that an 8-year age range (17 - 25) account for one-third of all road deaths. Averaged out, it should account for one-sixth but instead it's double that. The figures are pretty much the same across Western Europe.
Over-confidence plus inexperience plus an addiction to speeding plus an unshakeable belief in one's invincibilty makes a dangerous cocktail. Insuring 17 - 25 year olds is not a niche market. It's a fool's market.
Hi,
in addition to what is written it would be helpfull to know inwhich countries you want to go with your car. Europe means nothing in this special case and all countries, also outside of the EU, have different rules about. Maby it help if you go in contact with the German automobil club (ADAC) and ask there your questions. They also have their own insurance. The headquarter is in Munich and probably they speak english too. Dont forget to explain when you call them where you are from, Null means that you will have zero answers.