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Old 22 September 2013, 17:08   #11
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Originally Posted by henryfreston View Post
so it would just go under my dad's policy, how much do you think it would be to insure that way?
If you're the main user and you're not telling the insurer...allowing them to think your dad is the main user....it's known as 'fronting'..and makes your policy pointless...and you driving under it potentially illegal.

Just a word of warning as its heavily frowned upon by insurers and could leave you and dad in a world of trouble.

I love those little Suzukis though :-)
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Old 22 September 2013, 17:15   #12
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Originally Posted by PeterM View Post
If you're the main user and you're not telling the insurer...allowing them to think your dad is the main user....it's known as 'fronting'..and makes your policy pointless...and you driving under it potentially illegal.

Just a word of warning as its heavily frowned upon by insurers and could leave you and dad in a world of trouble.

I love those little Suzukis though :-)
+1

And it would still be over 2k !
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Old 22 September 2013, 17:38   #13
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Don't go under someone else. It is fronting the insurance and you can end up in a mess trust me. As my mate has now found out, you also dont build up any NCB

Just done some insurance comparison for a few different vehicles.

Series 3 88 model 630
Golf mk4 1.4 820
Freelander 1050
Sierra xr4x4 1195
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Old 22 September 2013, 17:43   #14
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1. Driving licence rules and what you can tow
The rules on what you can tow are different depending on when you passed your driving test.

Licences issued from 19 January 2013
From 19 January 2013, drivers passing a category B (car and small vehicle) test can tow:

small trailers weighing no more than 750kg
trailers weighing more than 750kg, where the combined weight of the towing vehicle and the trailer isn’t more than 3,500kg
If you want to tow a trailer weighing more than 750kg, when the combined weight of the towing vehicle and trailer is more than 3,500kg, you’ll have to pass a further test and get B+E entitlement on your licence.

You’ll then be able to tow trailers up to 3,500kg.

Licences held from 1 January 1997
If you passed your driving test after 1 January 1997 and have an ordinary category B (car) licence, you can drive either:

a vehicle up to 3.5 tonnes or 3,500 kilograms (kg) Maximum Authorised Mass (MAM) towing a trailer of up to 750kg MAM (with a combined weight of up to 4,250kg in total)
a trailer over 750kg MAM as long as it is no more than the unladen or ‘kerb’ weight of the towing vehicle (with a combined weight of up to 3,500kg in total)
For anything heavier you need to take a category B+E driving test.

Licences held before 1 January 1997
If you passed your car test before 1 January 1997 you are generally entitled to drive a vehicle and trailer combination up to 8.25 tonnes MAM.

This is the weight of a vehicle or trailer including the maximum load that can be carried safely when it’s being used on the road.

You also have entitlement to drive a minibus with a trailer over 750kg MAM.

Towing heavier combinations
If you want to tow heavier combinations, you’ll have to first apply for provisional entitlement to the new C1+E entitlement. You’ll then have to pass the category C theory test and C1+E practical test.

Once you’ve done this you can drive vehicles and trailers with a combined weight of up to 12 tonnes MAM.
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Old 22 September 2013, 20:17   #15
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suzuki jimny? they have little engines, are cheap and would probably tow something small ok? highly rated 4x4 systems on them too so sand would be fine
Surprising how little some models can .actually tow on the legal side especially unbraked trailers ,
Guy I worked with bought one his was plated at something like 240 kgs for an unbraked .
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Old 23 September 2013, 03:57   #16
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I used to own a first generation Kia Sportage 4x4, drove it to Tunisia for 6 months! 2 gear sticks for high low range gears, rugged and cheap to buy with 2000lb towing capacity.
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Old 23 September 2013, 04:58   #17
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Quote:
Originally Posted by henryfreston View Post
it would just go under my dad's policy, how much do you think it would be to insure that way?
It's 3 or 4 years since I had the nightmare of helping my two teenagers onto the insurance ladder (absolute nightmare and daylight robbery!!) so things may have changed but have following comments that where very relavent at the time

1) Insure in your name and if at all possible put Mum and Gran as named drivers, Dads name on the policy just puts it up whereas Mum/Gran got it down

2) If at all possible pay up front, companies tell you policys are interest free for monthly payments but wack the premium up I saved 884 one year on my son/daughter combined policies this way!

3) Desiels where cheaper than petrol to insure (your Average Chav doesn't want to be seen in a desiel!)

Wonder if an old Vauxhall desiel van might best suityour needs?

Good luck!!! .....
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Old 23 September 2013, 05:01   #18
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I hear tractors are dead cheap to insure, and good for towing
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Old 23 September 2013, 05:27   #19
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1) Insure in your name and if at all possible put Mum and Gran as named drivers, Dads name on the policy just puts it up whereas Mum/Gran got it down

...
That will not work anymore, its illegal for the insurance company to treat males differently to females (Sex Discrimination Act)

So the insurance companies just upped all insurances, complete con robbing B******s
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Old 23 September 2013, 05:29   #20
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I hear tractors are dead cheap to insure, and good for towing
I think you can still drive them at 16 as well

PS ... Also bear in mind that if you take policy out when you are provisonal driver the premium will go up significantly after you've passed your test, worth asking how much the increase will be before hand so you dont get such a shock!!
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