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ollie798

Member
Hi,
Having passed my test a month ago, i'm trying to find insurance on my dad's 300tdi 110 county station wagon. Everyone i've spoken to so far says that they would insure me if it weren't for the 12 seats.

Co-op insurance have given me a quote of 850 pounds as a named driver, if i take out seven of the seats/seatbelts and call it a car with 5 seats or less. However, they say no modifications are allowed. Would this count as a modification??? Would the car have to be re-registered as a 5 seater to make the insurance valid?

I've tried calling them, but i can't call the 0845 number as i'm out of credit on my phone, so if anyone can help, it would be great!

Cheers in advance.
 
No its not a modification.

Yes , you'd have to send the V5 back with the new seating numbers...UNLESS...it doesnt state how many seats on it...then just take 7 out.
 
spoke to the company and said it would be a modification! so annoyed now as i'm back to a cheapest quote of 5 grand!

Am going to try and ring them again tomorrow to try and argue my case, as i'm desperate for some insurance!
 
12 Seater at your age is a nono!

You NEED to take some of the seats out as you cannot drive a 12 Seater, full stop until you are over 21. When you are over 21 you can drive it as long as you are not charging.

I personally, I would take the bench seats out and update the V5 if you need to. Phone the nice people at the NFU or Footman James and ask for a quote on a 6 seat 110SW. Explain to them that you have removed the seats and updated the V5, See if they class it as a mod (Even if they do, It should not effect it that much!) and what the quote is :)

I am 18, and I pay 800 on a 3 Door 110 with the NFU :) Langers has a 110SW, and I belive he is insured with the NFU? PM him and ask...
 
thanks for your help. Unfortunately though, the NFU won't help me as you have to have had a policy with them for a while by a family member for it to be affordable.
Will definitely try updating the V5 option and will update on how it goes.
 
flux usually dont like under 21 but its luck of the draw, they make it up as they go along.
 
I've had to give up on the search of insurance for the 110 as flux, nfu, footman james, sureterm, lancaster and several others are all saying the same thing. Either around the 5 grand mark or nothing at all as it has too many seats. Then when i say i plan to make it a 5 seater by taking out seven seats, re-register it with the DVLA, then say that i'm not allowed to have modifcations (which removing seats apparently is!!!)

However, i've found out that co-op young drivers insurance could be a possibility on a car with an original 5 seats. e.g a tdi 90

For 700pounds i could be a named driver with my dad as the policy holder on a 90 with a smart box (Black Box) fitted. As a named driver i could still build up my own no claims (assuming i have no crashes). However, it can't be older than 1996, so am wondering about the possibility of a 1996 or slightly newer 90 for about 3 grand....although that might be too unrealistic!
 
They are out there for 3grand. But dont expect much! and also they are about 50% more expensive this time of year!
 
i wouldnt bother with a black box, i had 1 in my first car. it was with norwich union and was in 2 weeks and then they sent me a letter saying that i was no longer allowed to drive past 11pm or they would cancel my insurance.
 
ollie798 said:
However, i've found out that co-op young drivers insurance could be a possibility on a car with an original 5 seats. e.g a tdi 90
Click to expand...

This is highly illegal and is called "insurance fronting". Police & insurance companies are clamping down on it. If you're involved in an accident, you will most likely find that your policy is invalid. Main problem is that many people do it without even realising that it's illegal. That's what annoys me most. More needs to be done to make people aware of it.

And it should not be tolerated by society either. Sure, there's many laws that we don't agree with, many for good reason but this should not be one of them. Why? Because the real people who suffer here (apart from those who find that the person who caused the accident was not insured) are those law abiding citizens who have to pay more than those who do it by breaking the law. We were all new at one time.
 
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