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    • That's logical and correct DX,  and how I understood it to work if they can't pursue the debtor  for the debt whilst they are alive, it can't be resurrected and charged against the estate or demanded personally from executors who knew diddly about that SB debt..
    • First of all, apologies for the delay in responding. I went back to work in May completely forgot about this.   Secondly, they paid out.   As you can see in my post dated May 11th, I suggested whether it would be worth trying one more time with them. Well, I did. I mentioned in my claim that, once again, they should contact DHL who would confirm that the parcel was left on the doorstep in full view of anyone passing by. I finished it off by saying that I was happy to go to small claims court over this if I do not hear back from them.   About a week later I received an email stating the claim was successful and they asked for my bank details to transfer the money over to.    I'm surprised they didn't drag their heels over this but perhaps me seeing the picture of the supposed delivery and them knowing that I was doing my own 'investigation' into DHL made them nip this in the bud sooner rather than later.   And a reminder to anyone else reading this: contactless delivery does not mean that couriers can leave the parcel on your doorstep and leave. It means the courier leaves your parcel on your doorstep, waits for you to open the door and confirm receipt of the parcel, (the courier takes a picture, this seems to depend on the courier) and then and only then is delivery of the item concluded.
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quisling

Young Learner Insurance - Collingwood?

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My soon to be 17 year old son will start learning to drive next month in an Nissan Micra which currently belongs to his dad, but which he planned to give him as a birthday present.

 

A browse through various comparison sites show that it will cost somehwere around £1,800+ if my son owns it and insures it in his own name, but there are a couple of specialist companies who do it slightly differently for learner drivers.

 

It would seem that if his dad keeps the car and continues to insure it for himself, my son could then take out short term learners insurance (under £75 a month) at least until he passes his test, without it affecting his dad's insurance or NCB, even if there's a claim.

 

Two of these companies are Collingwood and Quinn (I understand Quinn have recently been in administration) but I wonder if any other forum members have experience of these policies and companies, and looking forward, what happens once my son passes his test.

 

Thanks.

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Hello Quisling, I'm answering as the others haven't yet. A guru should be along later.

 

From what I've seen on this forum, you need to be very careful over ownership and insurance of this vehicle. There have been a couple of discussions of late about owners and keepers of a vehicle being different people and this can end up with accusations from the insurer of 'fronting' a policy, making it invalid.

 

If you have time, search the forum for posts on 'fronting'.

 

Is your son going to be the only driver of the Micra?

 

HB


Illegitimi non carborundum

 

 

 

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If you want my advice, it is best that your son does not waste his money on paying for Insurance whilst still a learner.

 

It is always best for people to use the money instead to pay for driving lessons with a decent driving school.

 

If your husband is looking to provide your son with lessons in the Micra, then yes your son could take out Collingwood cover, to cover the car whilst he is driving under supervision. Your husband can continue to be the owner/registered keeper, maintaining his own cover on the car. If done in this way, if your son damages the car when driving it, the claim is against the Collingwood policy and does not affect your husband.

 

Don't be tempted to register the car to your son with the DVLA, without your son having the Insurance is his name. This option would be pretty expensive and then would be really expensive when he passes his test. Yes Insurers will increase the premium when your son has a full licence, as then he will be able to drive on his own. But on the plus side, if your son remained claim free, he would start to build up his no claims discount entitlement quicker.

 

As Honeybee eluded to. If and when your son becomes the owner/registered keeper and then arranges Insurance in his name, a cheaper premium can be achieved, by also having mum/dad on the policy. This is because Insurers view the risk as being slightly less, if more mature drivers also have access to the car.


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Hello and thanks for the replies so far.

 

I probably didn't make it clear enough that we're actually trying hard not to do anything that could be seen as 'fronting'.

 

Son's dad was intending to give him the car on his birthday, and son would have it insured in his name, but we're now wondering if it might be better to leave the car in dad's name and take out learner insurance until he passes his test.

Son intends to have lessons, but his dad is also willing to take him out for a bit of practice until he passes his test.

It will be the only car son has access to, and dad will go on any future policy as a second driver.

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