Discussion in 'Black Hat SEO' started by ballr24, Feb 13, 2012.
20 year old driver, insurance is insane!
If you use a blackhat method to lie n get cheaper car insurance you will be pulled up on it if you ever make a claim = don't think about it, insurance companies are very smart because they will do anything not to pay you if they can
It's not a blackhat way but i'm only 18 and my insurance is £619 and they've given me £100 back from my initial payment.
It's Co-op young driver insurance, the downside is they fit a smartbox to your car which monitors speed, acceleration, braking, cornering speeds and the time you drive but to be honest i rarely follow the rules and it's fine. Before christmas i was working nights and my scores didn't drop too much and you have to speed a lot for that to matter. Fast acceleration, hard braking and high speed corners are something you don't want to be doing anyway so that's not too bad.
Plus the smartbox acts as a tracker if your car is stolen and i got all sorts of free extras like breakdown cover, key cover etc. And if you don't drive like a tool they give you money back every 90 days
Hope this helps OP.
P.S i feel you on the "too expensive" part. I once rang direct line for a quote, told the woman my car is worth about £2k and she went off for 20 minutes, came back with a quote for £18k :')
EDIT: That's £619 for the year by the way
Wow that sounds brilliant, I'll try give this a go!
So its your name on a single policy? Oh and what car sorry?
Use excel and make one. I can give you a template
Put it under your parents name, or use an address of a friend or relative that lives in a very rural area or the most rural you can find. If you dont own anything then there is nothing to sue you for, so the injured will settle for the minimum policy that you have. On the other hand if you or your parents( if its under their name) own a lot of property, portfolio of stocks ,etc. Then do not do this because if a person is seriously injured and sues for alot of money and you have high coverages to protect yourself. The insurance will investigate and very likely deny paying anything and you may be very well liable for a lot of money. Im in the US, BTW, so in the Uk it may be a bit different but probably not.
I also use a black box - im 18 and i had quotes for 10k on a 2k car.
Used a black box - TPFT got it down to 1700
i used iKube - give them a call
also what the guy above me said about registering it with a family member in a rural area
if you dont mind telling me what is a blackbox and what is a TPFT
Black box is the GPS tracker. With Co Op this is the boxwhich measures your cornering a braking.
With iKube it just measures whether you drive between 11pm -5am
driving between them times is a big nono with these insurances as its the prime time - statistically - where us younger drivers have accidents.
With iKube, if you drive between them times you get a 100 pound fine.
TPFT is - third party fire and theft (as oppose to fully comprehensive)
is this possible??
If your meaning to use excel to create you own insurance. No.
I think I can give you a link to get the cheapest possible car insurance.
You'll just need to enter your zip code
Separate names with a comma.