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young drivers insurance
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By (user no longer on site)
over a year ago
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Thieving sods all Insurance companies...I got a quote for 6670 pounds from Aviva..I rang em and told them im not buying the company, just want insurance for my daughters lil 1000 cc 400 pound polo. grrrr |
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"Insure The Box is supposed to be good for young drivers......the car you insure has to have a tracker fitted so they can monitor your driving, hence thats why it more competitive  "
they fit the tracker for free by the way. |
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By (user no longer on site)
over a year ago
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"ive just had a £4000 quote for a daewoo matiz 800cc and the other thing is i want insurance for my twin girls looks like the bus for them  "
ouch that was my first car and i was 18
direct line it was costing me £40 a month |
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"mentioned it before on here ... mate of mines son drives round in an old fiesta van .... not cool but the insurance is dirt cheap"
i really do wish people would use common sense instead of buying thier kids newish expensive first cars.
i can fix my own car, and how? because i have always bought older cars.
cheaper insurance, alays.
mates lad had a quote for 3k on his mums corsa.
bought an old mk1 fiesta for £300 and his insurance was £600.
and he learned so much about car maintenance from owning it. |
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By (user no longer on site)
over a year ago
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Try going through all the insurance comparison websites and finding the cheapest and then seeing if you can get on cashback on them on using websites like quidco etc. |
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By (user no longer on site)
over a year ago
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"mentioned it before on here ... mate of mines son drives round in an old fiesta van .... not cool but the insurance is dirt cheap
i really do wish people would use common sense instead of buying thier kids newish expensive first cars.
i can fix my own car, and how? because i have always bought older cars.
cheaper insurance, alays.
mates lad had a quote for 3k on his mums corsa.
bought an old mk1 fiesta for £300 and his insurance was £600.
and he learned so much about car maintenance from owning it."
and the fact that it is a VAN and not a car makes it even cheaper |
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"mentioned it before on here ... mate of mines son drives round in an old fiesta van .... not cool but the insurance is dirt cheap
i really do wish people would use common sense instead of buying thier kids newish expensive first cars.
i can fix my own car, and how? because i have always bought older cars.
cheaper insurance, alays.
mates lad had a quote for 3k on his mums corsa.
bought an old mk1 fiesta for £300 and his insurance was £600.
and he learned so much about car maintenance from owning it.
and the fact that it is a VAN and not a car makes it even cheaper"
they must have changed policies a little since i wanted a van, as i couldnt even get a quote if i wasnt going to have any business insurance.
they said no one would need a van if they werent going to use it for work.
i just wanted to fill the back with speakers and amps (ah, the exuberance of youth lol) |
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By *abioMan
over a year ago
Newcastle and Gateshead |
"anyone had any decent quotes what company ?
tesco direct . best i could find after 3 weeks of searching "
glad someone mentioned them..... I went on compare the market and moneysupermarket and yes i am a lot older than you.... but for a 1st time driver they charged me just over 1000 pounds... went everyone else was asking for between 700-1000 pounds more.... |
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By (user no longer on site)
over a year ago
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"mentioned it before on here ... mate of mines son drives round in an old fiesta van .... not cool but the insurance is dirt cheap
i really do wish people would use common sense instead of buying thier kids newish expensive first cars.
i can fix my own car, and how? because i have always bought older cars.
cheaper insurance, alays.
mates lad had a quote for 3k on his mums corsa.
bought an old mk1 fiesta for £300 and his insurance was £600.
and he learned so much about car maintenance from owning it."
It's hardly rocket science is it? It is hard to be sympathetic to some complaining that a Citroen VTR isn't cheap to insure.
Another trick with oder cars is that some can be insured as classic cars and on limited mileage policies which again brings the price down. |
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"mentioned it before on here ... mate of mines son drives round in an old fiesta van .... not cool but the insurance is dirt cheap
i really do wish people would use common sense instead of buying thier kids newish expensive first cars.
i can fix my own car, and how? because i have always bought older cars.
cheaper insurance, alays.
mates lad had a quote for 3k on his mums corsa.
bought an old mk1 fiesta for £300 and his insurance was £600.
and he learned so much about car maintenance from owning it.
It's hardly rocket science is it? It is hard to be sympathetic to some complaining that a Citroen VTR isn't cheap to insure.
Another trick with oder cars is that some can be insured as classic cars and on limited mileage policies which again brings the price down."
agree with the classic route a friend bought his daughter a classic mini, she joined the owners club and got cheaper insurance through them |
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By (user no longer on site)
over a year ago
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while insurance is a legal requirement to drive the insurance companies will fleece the motorist for every single pound they can get .its daylight robbery and they know it but they get away with it .new drivers have not got a hope in hell of getting a sensible insurance quote and many will drive without insurance which is wrong but where is the help that new drivers need so they can get insured.pass plus is a complete waste of time and money and will not get you a cheaper insurance quote .why has the government not cracked down on this legalised robbery ???????? |
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Now that the OFT is getting involved insurance may well come down for everyone.
Sadly these little hot hatches are going to command higher ins for young drivers and to be honest any parent who lets the kid drive one needs their heads reading!
Ok now I know mad driving isn't just down to the young as a recent case of a middle aged sensible responsible chap and his madness in his Subaru demonstrated, but generally it is the younger generations and irresponsible parents who've caused the problem.
Even J Clarkson's daughter is driving a fiesta!
Worth reading his article entitled:
'Jeremy on his daughters first car'
Makes a lot of sense if you care about your off spring. |
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By (user no longer on site)
over a year ago
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"Insure The Box is supposed to be good for young drivers......the car you insure has to have a tracker fitted so they can monitor your driving, hence thats why it more competitive
they fit the tracker for free by the way."
our neigbours son has it fitted has realy helped his insurance come down think he payes £1200 a year instead of £4000 |
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By *irtydan OP Man
over a year ago
Blackpool |
"Insure The Box is supposed to be good for young drivers......the car you insure has to have a tracker fitted so they can monitor your driving, hence thats why it more competitive
they fit the tracker for free by the way.our neigbours son has it fitted has realy helped his insurance come down think he payes £1200 a year instead of £4000"
thanks  |
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"Going through it with my son who has just turned 22. driving since 17 no convictions or accidents just bought a new second car Citroen saxo vtr cheapest quote up to now is £2560  consequently its parked on the drive and he is bussing it to work so to answer your question "Don't know any""
Saxo was probably the magic word, have you seen how many modified saxos there are around,
Have you seen how many saxos there are around with mods, whether tha be a bodykit ir a big exhaust, all these increase insurance costs to the owner, doubt many of em actually declare it though, so am sure the insurance companies see 'Saxo' '17-18 years old' and spread the risk, i may be wrong its just a theory
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By *eavenNhellCouple
over a year ago
carrbrook stalybridge |
".why has the government not cracked down on this legalised robbery ????????"
because the government leftwing or right wing will be recieving large campaigne contributions from said insurance companies + they all need a directorship to fall back on when they "retire" now dont they ?
or am i just being a synic |
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"mentioned it before on here ... mate of mines son drives round in an old fiesta van .... not cool but the insurance is dirt cheap
i really do wish people would use common sense instead of buying thier kids newish expensive first cars.
i can fix my own car, and how? because i have always bought older cars.
cheaper insurance, alays.
mates lad had a quote for 3k on his mums corsa.
bought an old mk1 fiesta for £300 and his insurance was £600.
and he learned so much about car maintenance from owning it."
All well and good if you're driving around the block, don't think I want my 20 year old daughter driving up the motor way in a car held together on a wing and a prayer.  |
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By (user no longer on site)
over a year ago
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try restricting your mileage and use, my mate son was in a similar situation, and he was told 2500 quid, but got it down to 450. just by not driving after 11/30pm til 7am 2700 miles per year and paying a larger excess, he had a saxo too. see if you can tailor make your own policy with restrictions on, after all THEY want your money  |
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By (user no longer on site)
over a year ago
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"Going through it with my son who has just turned 22. driving since 17 no convictions or accidents just bought a new second car Citroen saxo vtr cheapest quote up to now is £2560 consequently its parked on the drive and he is bussing it to work so to answer your question "Don't know any""
I feel for you. My step son is in a similar situation. He passed his test early. Thought he would get a nice car after he was 21 but insurance was still high.
Saying that insurance has gone up for all... 3 years ago my type r Subaru cost me less than 300quid to insure. Was going to get another one this year and while I've got no points, no accidents, and 3 more years ncb its now 818 quid to insure The same car.
I feel sorry for young drivers... As my 2nd car was a 200sx turbo which was 3 months after passing my test... But as I was 26 when I passed my test I paid less than 700quid.
Cali |
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"mentioned it before on here ... mate of mines son drives round in an old fiesta van .... not cool but the insurance is dirt cheap
i really do wish people would use common sense instead of buying thier kids newish expensive first cars.
i can fix my own car, and how? because i have always bought older cars.
cheaper insurance, alays.
mates lad had a quote for 3k on his mums corsa.
bought an old mk1 fiesta for £300 and his insurance was £600.
and he learned so much about car maintenance from owning it.
All well and good if you're driving around the block, don't think I want my 20 year old daughter driving up the motor way in a car held together on a wing and a prayer. "
think the last time i spoke to my mate, his kid was going to glastonbury in his 'shitheap'.
no, its not a wing and a prayer, very far from it, as if you want something to last, you look after it.
how many people buy new cars and dont think about servicing? exactly, oil/water? most wouldnt know where they were let alone where to fill them or how much.
its one of the cleanest festers i have seen that isnt eaten by tin worm.
on topic, i had been driving 10 years until i got even close to my dream car (cavalier gsi) first perfomrance motor i had too, after driving cheap, slow cars.
its all about perspective.
sorry to say but saxo vtr is going to dry hump your kid more than any ill prepared anal sex fan you may encounter lol |
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"Going through it with my son who has just turned 22. driving since 17 no convictions or accidents just bought a new second car Citroen saxo vtr cheapest quote up to now is £2560 consequently its parked on the drive and he is bussing it to work so to answer your question "Don't know any"
My 20 year old passed her test in February. We bought her a new Suzuki. Her father and I are on her insurance 70 years driving between us, no claims and still cost us £2,500. "
If she is the main driver of the vehicle to my understanding the ins should be in her own name but it's always going to be priced on the youngest driver.
She sadly needs to build up her own no claims. |
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By (user no longer on site)
over a year ago
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I'm sure theres some insurance company out there that lets you earn no claims bonus as a 3rd driver, admiral i think, might be wrong. Its a decent solution at the minute as insurance is pretty much robbery just now. ONce you build up a couple of years you can get your own poliy with it. Doing a pass plus test aswell can bring down the cost. |
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"I'm sure theres some insurance company out there that lets you earn no claims bonus as a 3rd driver, admiral i think, might be wrong. Its a decent solution at the minute as insurance is pretty much robbery just now. ONce you build up a couple of years you can get your own poliy with it. Doing a pass plus test aswell can bring down the cost."
as long as the cost of the insurance drop outweighs the initial cost of the pass plus as it only lasts 2 years (the discount, not what you learn).
would be better to possibly go for advance driving (if its still done) as pass it and can open the opportunity to be an instructor later in life. |
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I understand why some choose to buy shall we say 'classics' to keep the cost down but like most things it's a false economy and probably wouldn't comply with half the safety requirements of most new or slightly older vehicles.
So you spend 17 -18 years wrapping them up in cotton wool; well as much as you can and then you decide hell yes go out and drive a vehicle that if it came to a sudden stop or some other such tragic event would kill them and any other poor sods in the car with them in a heart beat!
Don't get me wrong there are some very responsible teenagers and I remember when I'd passed my test that I was driving my dads vx2300 and mums cortina 1600! Sheds and slow ones which i think is the point and surprisingly cheap to add me too! No kids had their own cars that I can recall, I do remember one lad buying a triumph herald vitesse to break and sell for parts!
Again I think J Clarkson made some excellent points on his own view about his daughters first car.
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"Going through it with my son who has just turned 22. driving since 17 no convictions or accidents just bought a new second car Citroen saxo vtr cheapest quote up to now is £2560 consequently its parked on the drive and he is bussing it to work so to answer your question "Don't know any"
My 20 year old passed her test in February. We bought her a new Suzuki. Her father and I are on her insurance 70 years driving between us, no claims and still cost us £2,500. "
whose name is the insurance in, if its you or her fathers, but your daughter is the main driver of the car, you may find to your (her) cost that she is not insured at all.
this is something that has been happening for years, and is now being heavily cracked down on |
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One drawback of getting classic car insurance is that you may not get any no-claims discount at all. But a few years ago I had 3 big engined luxury cars insured for less then £100 as classics on limited mileage, so I didn't much care about the no-claims. I'm not quite a teen any more though |
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"while insurance is a legal requirement to drive the insurance companies will fleece the motorist for every single pound they can get .its daylight robbery and they know it but they get away with it .new drivers have not got a hope in hell of getting a sensible insurance quote and many will drive without insurance which is wrong but where is the help that new drivers need so they can get insured.pass plus is a complete waste of time and money and will not get you a cheaper insurance quote .why has the government not cracked down on this legalised robbery ????????"
Driving is not a right and if you can't afford it don't do it until you can. As I pointed out earlier the OFT is looking at the pricing of ins and how companies charge each other for leasing cars after accidents which is a factor in he costs.
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Not read all replies, our 19 year old son was with Tesco originally, policy rocketed second year and we rang them saying could get it a lot cheaper and they came down to £2400!
This year he's bought a nearly new car as he's working full time, we've gone through Admiral multi car, they were the cheapest on comparison sites and cos we've added mine and hubby's car they've knocked a further £600 quid off! |
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"Going through it with my son who has just turned 22. driving since 17 no convictions or accidents just bought a new second car Citroen saxo vtr cheapest quote up to now is £2560 consequently its parked on the drive and he is bussing it to work so to answer your question "Don't know any"
My 20 year old passed her test in February. We bought her a new Suzuki. Her father and I are on her insurance 70 years driving between us, no claims and still cost us £2,500.
whose name is the insurance in, if its you or her fathers, but your daughter is the main driver of the car, you may find to your (her) cost that she is not insured at all.
this is something that has been happening for years, and is now being heavily cracked down on"
Thanks for that, I'll double check! |
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"Going through it with my son who has just turned 22. driving since 17 no convictions or accidents just bought a new second car Citroen saxo vtr cheapest quote up to now is £2560 consequently its parked on the drive and he is bussing it to work so to answer your question "Don't know any"
My 20 year old passed her test in February. We bought her a new Suzuki. Her father and I are on her insurance 70 years driving between us, no claims and still cost us £2,500.
whose name is the insurance in, if its you or her fathers, but your daughter is the main driver of the car, you may find to your (her) cost that she is not insured at all.
this is something that has been happening for years, and is now being heavily cracked down on
Thanks for that, I'll double check! "
its called fronting if you want to look it up. its def illegal and prosecuted as fraud'
would result in at least 6 points for the young personn, the implications of that is revoked licence so has to take test again, possibility of car being siezed due to no insurance,
and ultimatly a massive bil should they injure or kill someone whils not being insured
is that really worth it to save a few hundred quid?
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".why has the government not cracked down on this legalised robbery ????????because the government leftwing or right wing will be recieving large campaigne contributions from said insurance companies + they all need a directorship to fall back on when they "retire" now dont they ?
or am i just being a synic"
Yes you are as governments have nothing to do with the setting of ins premiums!!
As you drive around look at who's driving the saxo's when you're at traffic lights and all you can here is dumm dumm dumm! See which car it is! Ah yes it's the one 10 behind you, hoods up so low down in their seats they can barely see over the dashboard and then wonder why it is that even though you have over 10 years protected no claims bonus that your policy still increases year on year, unless you do as I do and change provider every year.
Police camera action just watch occasionally...
What's even more worrying is the parents who'll let them drive these cars without giving them a once over...
Stereotyping? Maybe!
But this is part of the reasons why it's so expensive! That and the issue over costs of hiring cars after accidents which is now being inv by the OFT |
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"Going through it with my son who has just turned 22. driving since 17 no convictions or accidents just bought a new second car Citroen saxo vtr cheapest quote up to now is £2560 consequently its parked on the drive and he is bussing it to work so to answer your question "Don't know any"
My 20 year old passed her test in February. We bought her a new Suzuki. Her father and I are on her insurance 70 years driving between us, no claims and still cost us £2,500.
whose name is the insurance in, if its you or her fathers, but your daughter is the main driver of the car, you may find to your (her) cost that she is not insured at all.
this is something that has been happening for years, and is now being heavily cracked down on
Thanks for that, I'll double check!
its called fronting if you want to look it up. its def illegal and prosecuted as fraud'
would result in at least 6 points for the young personn, the implications of that is revoked licence so has to take test again, possibility of car being siezed due to no insurance,
and ultimatly a massive bil should they injure or kill someone whils not being insured
is that really worth it to save a few hundred quid?
"
And another reason why ins is expensive! |
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By *eavenNhellCouple
over a year ago
carrbrook stalybridge |
".why has the government not cracked down on this legalised robbery ????????because the government leftwing or right wing will be recieving large campaigne contributions from said insurance companies + they all need a directorship to fall back on when they "retire" now dont they ?
or am i just being a synic
Yes you are as governments have nothing to do with the setting of ins premiums!!
As you drive around look at who's driving the saxo's when you're at traffic lights and all you can here is dumm dumm dumm! See which car it is! Ah yes it's the one 10 behind you, hoods up so low down in their seats they can barely see over the dashboard and then wonder why it is that even though you have over 10 years protected no claims bonus that your policy still increases year on year, unless you do as I do and change provider every year.
Police camera action just watch occasionally...
What's even more worrying is the parents who'll let them drive these cars without giving them a once over...
Stereotyping? Maybe!
But this is part of the reasons why it's so expensive! That and the issue over costs of hiring cars after accidents which is now being inv by the OFT"
actually as a profesional driver who averges over a 1000 miles a week am more woried about the owners of large usualy german cars chargeing about like lunatics see more accidents and incidents involving these than any involving chav chariots !get on a winding A road in my truck and see the four cock rings in my mirror i KNOW the suited dickhead behind the wheel will do something stupid to get past where as the kid in the chav chariot knows he aint got the power and tend to wait . i know statisticly young drivers have more claims and accidents but how many have the seriuse accidents of the type i see on our motorway system daily involving large expansive statius symbol cars that have been driving to fast to close and with scant regard for other motorists . |
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By (user no longer on site)
over a year ago
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".why has the government not cracked down on this legalised robbery ????????because the government leftwing or right wing will be recieving large campaigne contributions from said insurance companies + they all need a directorship to fall back on when they "retire" now dont they ?
or am i just being a synic"
which is exactly why democrasy is a fucking illusion and unless you are the owner of a multi billion pound media empire you have no say in how this country is run |
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By (user no longer on site)
over a year ago
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".why has the government not cracked down on this legalised robbery ????????because the government leftwing or right wing will be recieving large campaigne contributions from said insurance companies + they all need a directorship to fall back on when they "retire" now dont they ?
or am i just being a synic
Yes you are as governments have nothing to do with the setting of ins premiums!!
As you drive around look at who's driving the saxo's when you're at traffic lights and all you can here is dumm dumm dumm! See which car it is! Ah yes it's the one 10 behind you, hoods up so low down in their seats they can barely see over the dashboard and then wonder why it is that even though you have over 10 years protected no claims bonus that your policy still increases year on year, unless you do as I do and change provider every year.
Police camera action just watch occasionally...
What's even more worrying is the parents who'll let them drive these cars without giving them a once over...
Stereotyping? Maybe!
But this is part of the reasons why it's so expensive! That and the issue over costs of hiring cars after accidents which is now being inv by the OFT"
car insurance has risen due to the number of compensation claims not an increase in accidents caused by young drivers
the insurance industry needs to make a profit so if they have increased costs due to dodgy whiplash claims (and I know there must be numerous people on this forum who have done 1) then they need to find another way to make a profit and keep paying dividends to shareholders
answer? increase premiums! |
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By *ikeC81Man
over a year ago
harrow |
The question is who the main driver is...,,,
I was on my dads insurance after I had a crash in my car as any driver over the age of 25. Was I the main driver no as it wasn't my car. Did my dad drive more miles in it yes....did I just use it for the drive to work...yes I think the main driver is always a contentious issue |
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By (user no longer on site)
over a year ago
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"I'm sure theres some insurance company out there that lets you earn no claims bonus as a 3rd driver, admiral i think, might be wrong. Its a decent solution at the minute as insurance is pretty much robbery just now. ONce you build up a couple of years you can get your own poliy with it. Doing a pass plus test aswell can bring down the cost."
Direct Line let you do this. If you are a named driver under someone else's insurance then when you get your own they will give you the years you have built up as a no claims bonus assuming you have had no accidents.
It can also be cheaper to include someone older as a named driver on your insurance. I added my mum even though she has no intention of driving my car. |
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By *teborahCouple
over a year ago
warrington |
"mentioned it before on here ... mate of mines son drives round in an old fiesta van .... not cool but the insurance is dirt cheap
i really do wish people would use common sense instead of buying thier kids newish expensive first cars.
i can fix my own car, and how? because i have always bought older cars.
cheaper insurance, alays.
mates lad had a quote for 3k on his mums corsa.
bought an old mk1 fiesta for £300 and his insurance was £600.
and he learned so much about car maintenance from owning it.
It's hardly rocket science is it? It is hard to be sympathetic to some complaining that a Citroen VTR isn't cheap to insure.
Another trick with oder cars is that some can be insured as classic cars and on limited mileage policies which again brings the price down."
His first car at 18 was a 1600 16v corsa sport and the insurance was £1600. and your point is?  |
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"The question is who the main driver is...,,,
I was on my dads insurance after I had a crash in my car as any driver over the age of 25. Was I the main driver no as it wasn't my car. Did my dad drive more miles in it yes....did I just use it for the drive to work...yes I think the main driver is always a contentious issue"
which is exactly what i was getting at in my post
the insurance compsnies have ways of finding out these things as well, and it aint rocket science to see how they do it
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By *teborahCouple
over a year ago
warrington |
".why has the government not cracked down on this legalised robbery ????????because the government leftwing or right wing will be recieving large campaigne contributions from said insurance companies + they all need a directorship to fall back on when they "retire" now dont they ?
or am i just being a synic
Yes you are as governments have nothing to do with the setting of ins premiums!!
As you drive around look at who's driving the saxo's when you're at traffic lights and all you can here is dumm dumm dumm! See which car it is! Ah yes it's the one 10 behind you, hoods up so low down in their seats they can barely see over the dashboard and then wonder why it is that even though you have over 10 years protected no claims bonus that your policy still increases year on year, unless you do as I do and change provider every year.
Police camera action just watch occasionally...
What's even more worrying is the parents who'll let them drive these cars without giving them a once over...
Stereotyping? Maybe!
But this is part of the reasons why it's so expensive! That and the issue over costs of hiring cars after accidents which is now being inv by the OFT"
I have been in the motor trade since I left school in 1979 and both my kids have been involved with cars for as long as I can recall so they both maintain there cars to the highest unmodified condition so they are given the "The once over" every week. And just because you have seen a few idiots driving round in Saxo's never assume everyone is the same. As for there driving style I personally assess on regular intervals. |
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".why has the government not cracked down on this legalised robbery ????????because the government leftwing or right wing will be recieving large campaigne contributions from said insurance companies + they all need a directorship to fall back on when they "retire" now dont they ?
or am i just being a synic
Yes you are as governments have nothing to do with the setting of ins premiums!!
As you drive around look at who's driving the saxo's when you're at traffic lights and all you can here is dumm dumm dumm! See which car it is! Ah yes it's the one 10 behind you, hoods up so low down in their seats they can barely see over the dashboard and then wonder why it is that even though you have over 10 years protected no claims bonus that your policy still increases year on year, unless you do as I do and change provider every year.
Police camera action just watch occasionally...
What's even more worrying is the parents who'll let them drive these cars without giving them a once over...
Stereotyping? Maybe!
But this is part of the reasons why it's so expensive! That and the issue over costs of hiring cars after accidents which is now being inv by the OFT
I have been in the motor trade since I left school in 1979 and both my kids have been involved with cars for as long as I can recall so they both maintain there cars to the highest unmodified condition so they are given the "The once over" every week. And just because you have seen a few idiots driving round in Saxo's never assume everyone is the same. As for there driving style I personally assess on regular intervals."
that maybe so, but the insurance compamies do not see it that way, they factor risk on a whole load of data
Its great to hear though that some parents watch what there kids are driving and how they behave when doing do |
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By *teborahCouple
over a year ago
warrington |
".why has the government not cracked down on this legalised robbery ????????because the government leftwing or right wing will be recieving large campaigne contributions from said insurance companies + they all need a directorship to fall back on when they "retire" now dont they ?
or am i just being a synic
Yes you are as governments have nothing to do with the setting of ins premiums!!
As you drive around look at who's driving the saxo's when you're at traffic lights and all you can here is dumm dumm dumm! See which car it is! Ah yes it's the one 10 behind you, hoods up so low down in their seats they can barely see over the dashboard and then wonder why it is that even though you have over 10 years protected no claims bonus that your policy still increases year on year, unless you do as I do and change provider every year.
Police camera action just watch occasionally...
What's even more worrying is the parents who'll let them drive these cars without giving them a once over...
Stereotyping? Maybe!
But this is part of the reasons why it's so expensive! That and the issue over costs of hiring cars after accidents which is now being inv by the OFT
I have been in the motor trade since I left school in 1979 and both my kids have been involved with cars for as long as I can recall so they both maintain there cars to the highest unmodified condition so they are given the "The once over" every week. And just because you have seen a few idiots driving round in Saxo's never assume everyone is the same. As for there driving style I personally assess on regular intervals.
that maybe so, but the insurance compamies do not see it that way, they factor risk on a whole load of data
Its great to hear though that some parents watch what there kids are driving and how they behave when doing do"
I know thats why no claims bonuses mean absolutley nothing these days. |
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hey foret young drivers im 28 been driving three years have had 3 accidents all not my faukt and im sat at 1600 renewal for mine thsi year my first insurnace was with swinton but now tesco works for me
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and here is something the insurance cos keep very quiet
they all when it comes to the media blame rising insurance costs on false whiplash claims
what they dont speak about is, if their client is at fault, and they see it, they admit liability, then offer to give you a few hundred quid not to make a claim
happend to me a coupl of years ago, was hit from behind while stationary waiting to join a roundabout. person who hit me insurance co phoned me next day wanting to know if i was injured or not and with an offer to settle just not to make a PI claim, offer was £600 someone has to pay for that guess who, those of us that pay our insurance premiums
funny how they dont tell you about this whne they defending why premiums ar rising though |
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By (user no longer on site)
over a year ago
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"My MGB is 80 quid a year to insure.. I'm surprised more people arnt driving classics for this reason. Classic car insurance is very cheap, especially for younger drivers."
I don't imagine you'd be very well protected in the event of a crash in one of those things though. |
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Different areas get different treatment at different insurance companies.
Some will give better rates to innercity drivers than others, so an insurer whose good for one is not always the best for any given age / car combination in different areas.
For me in east London the best I could find was Tesco insurance, but this was not the best when I lived in Dorking.
Still I will say when someone ran into me they were very good dealing with it, so I'm happy to recommend them and its easy to get a quote.
Good luck. |
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"mentioned it before on here ... mate of mines son drives round in an old fiesta van .... not cool but the insurance is dirt cheap
i really do wish people would use common sense instead of buying thier kids newish expensive first cars.
i can fix my own car, and how? because i have always bought older cars.
cheaper insurance, alays.
mates lad had a quote for 3k on his mums corsa.
bought an old mk1 fiesta for £300 and his insurance was £600.
and he learned so much about car maintenance from owning it.
It's hardly rocket science is it? It is hard to be sympathetic to some complaining that a Citroen VTR isn't cheap to insure.
Another trick with oder cars is that some can be insured as classic cars and on limited mileage policies which again brings the price down.
His first car at 18 was a 1600 16v corsa sport and the insurance was £1600. and your point is? "
the point is, my ex wifes first car was a 1 llitre metro, and cost her £400 insurance.
so, my missus had another 1200 to spend in the shops.
your lad didnt |
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By (user no longer on site)
over a year ago
|
Having read all of the above I thought I would stick my two pennies worth in. I work in the industry.
The reason young drivers get clobbered is due to statistics, and loss ratios. The concept of insurance is the premiums of many pay for the losses of the few. However at the moment most insurers are running on a loss ratio of about 120%. Thefore paying £1.20 for every £1 they collect.
This has been previously been funded by drawing down on cash reserves from other profitable business lines. But the reserves are dwindling. So rates have to go up. Also comparrison sites earn big kick backs for directing you to an insurer. Therefore insurers have to earn more to pay this kick back.
People claim more for whiplash, when they don't have it. Again more stress to the pot of money.
Young drivers do have more accidents, and they tend to be carrying passengers so again mote money paid out.
The best route is someone like marmalade who do telematics. They will fit the box, and restrict you to driving at certain hours of the day. Newer cars are preferred as they are generally safer with and air bags etc. But lower engine and bhp will be crucial.
Being the main driver but adding someone like mum or dad will help lower the premium too.
Hope this helps. |
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By (user no longer on site)
over a year ago
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"and here is something the insurance cos keep very quiet
they all when it comes to the media blame rising insurance costs on false whiplash claims
what they dont speak about is, if their client is at fault, and they see it, they admit liability, then offer to give you a few hundred quid not to make a claim
happend to me a coupl of years ago, was hit from behind while stationary waiting to join a roundabout. person who hit me insurance co phoned me next day wanting to know if i was injured or not and with an offer to settle just not to make a PI claim, offer was £600 someone has to pay for that guess who, those of us that pay our insurance premiums
funny how they dont tell you about this whne they defending why premiums ar rising though"
This is called minimalising the cost. If you had claimed for whiplash the cost would have been nearer £8k to the insurers. You would have seen maybe 2k, but the legal company working for you would have their costs, the staff costs to settle it would come down to the insurer. Oh then there is the medical cost of a private doctor to confirm whiplash, then the physio to treat the injury. You can claim up to 5 years ater. So getting you to take 600 and sign a waiver makes sense to them. |
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By (user no longer on site)
over a year ago
|
It's not just young drivers, it's all (or most) drivers
My mate drives a 13 year old Rover 214, book value £250 - insurance cost £1,475 third party only.
They insure against overall risk, not just the drivers age.
So the area you live, what you use the car for, where it is parked, how many points you have, how many accidents you have had etc all figure too in bumping them premiums up.
I can understand when such parities exist in the value of the car and it's insurance cost, why some people do chance it without !
He was doing just that until Bussy found out, gave him a stern talking to (and a £300 loan to pay the first payment) so back to being legal again. |
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Sometimes I do feel sympathy for the insurance companies but they can also be their own worst enemy by paying out for trivial claims.
I touched a guy's bumper in a carpark and an independant witness agreed with me that there was the tiniest of scratchs on the bumper of this old Corsa. Owner insisted on putting it through the insurance and it ended up costing £500 as the owner got an engineer's report, hire car and the whole bumper resprayed at a main dealer. |
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By (user no longer on site)
over a year ago
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"It's not just young drivers, it's all (or most) drivers
My mate drives a 13 year old Rover 214, book value £250 - insurance cost £1,475 third party only.
They insure against overall risk, not just the drivers age.
So the area you live, what you use the car for, where it is parked, how many points you have, how many accidents you have had etc all figure too in bumping them premiums up.
I can understand when such parities exist in the value of the car and it's insurance cost, why some people do chance it without !
He was doing just that until Bussy found out, gave him a stern talking to (and a £300 loan to pay the first payment) so back to being legal again."
Insurers are trying to do away with third party only. To them there is no responsibilty to the driver, as the insurer will pay for their mistakes, and not even recover an excess. |
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By (user no longer on site)
over a year ago
|
"Sometimes I do feel sympathy for the insurance companies but they can also be their own worst enemy by paying out for trivial claims.
I touched a guy's bumper in a carpark and an independant witness agreed with me that there was the tiniest of scratchs on the bumper of this old Corsa. Owner insisted on putting it through the insurance and it ended up costing £500 as the owner got an engineer's report, hire car and the whole bumper resprayed at a main dealer."
Did he not get whiplash too ? |
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By (user no longer on site)
over a year ago
|
"
Insurers are trying to do away with third party only. To them there is no responsibilty to the driver, as the insurer will pay for their mistakes, and not even recover an excess. "
That sounds like another way of making premiums even higher than they are already - even though I dare say the insurers will say 'longer term' they will be driven down as people will be 'more careful' as a result
I remain unconvinced lol |
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By (user no longer on site)
over a year ago
|
The only way to get cheap insurance for a young driver these days is to buy a classic car, My austin mini 998cc cost only 334 fully comp for my first year. compare that to the 1.1 saxo/106 and clio i looked at buying ( as they were small cheap cars to buy and run) which were quotes or nearer 1.5k some quotes even reaching 2.5k so classic all the way. and also check out fully comp prices you will often be surprised at how little there is between them and tpft |
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By (user no longer on site)
over a year ago
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going through this with our lad currently although all the young driver companies don't want to know his as he is armed forces, he hasn't bought a car yet he is just researchng what he can afford to buy and insure and was hoping one of these companies that pop a tracker style thing in would be the answer but sadly they don't want to know him even though driving is his job and he can even drive HGV or is it CAT C these days i've no idea but those great big lorries anyhoo (find it quite freacky my ickle boy drives such huge monsters ) but yet he can't get these youngster friendly insurers to touch him seems very unfair to me, he is more likely to tow the line on thier requirements as driving is his livelihood so he isn't going to risk it |
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By (user no longer on site)
over a year ago
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"Sometimes I do feel sympathy for the insurance companies but they can also be their own worst enemy by paying out for trivial claims.
I touched a guy's bumper in a carpark and an independant witness agreed with me that there was the tiniest of scratchs on the bumper of this old Corsa. Owner insisted on putting it through the insurance and it ended up costing £500 as the owner got an engineer's report, hire car and the whole bumper resprayed at a main dealer."
They are governed by case law. if they refused to deal with it, and he sued you, you would pass to your insurance co to deal with. they would then have to either defend cases which they know they won't win, or deal with claim. |
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By (user no longer on site)
over a year ago
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"going through this with our lad currently although all the young driver companies don't want to know his as he is armed forces, he hasn't bought a car yet he is just researchng what he can afford to buy and insure and was hoping one of these companies that pop a tracker style thing in would be the answer but sadly they don't want to know him even though driving is his job and he can even drive HGV or is it CAT C these days i've no idea but those great big lorries anyhoo (find it quite freacky my ickle boy drives such huge monsters ) but yet he can't get these youngster friendly insurers to touch him seems very unfair to me, he is more likely to tow the line on thier requirements as driving is his livelihood so he isn't going to risk it "
There are brokers out there that have schemes for armed forces. Try towergate. |
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By (user no longer on site)
over a year ago
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"
Insurers are trying to do away with third party only. To them there is no responsibilty to the driver, as the insurer will pay for their mistakes, and not even recover an excess.
That sounds like another way of making premiums even higher than they are already - even though I dare say the insurers will say 'longer term' they will be driven down as people will be 'more careful' as a result
I remain unconvinced lol"
If you look at claims stats, most payments are made to third parties for injury or damage to their property. Therefore only buying this insurace is higher risk, as it is the only thing an insurer can pay for. It's all about frequency and serverity. In this case high frequency with high payout (serverity) |
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By (user no longer on site)
over a year ago
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i learned to drive at 26, bought a 53 plate 1.0 corsa for 2000 and for the first year it cost me 2050 to insure third party parked off the road, limited mileage, personal use, old relatives as named drivers
i understand how premiums are based on risk, it doesnt make it any easier to swallow the fact that if i keep this car for a few years i will have probably paid its value 4 or 5 times over in insurance premiums
 |
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By (user no longer on site)
over a year ago
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"going through this with our lad currently although all the young driver companies don't want to know his as he is armed forces, he hasn't bought a car yet he is just researchng what he can afford to buy and insure and was hoping one of these companies that pop a tracker style thing in would be the answer but sadly they don't want to know him even though driving is his job and he can even drive HGV or is it CAT C these days i've no idea but those great big lorries anyhoo (find it quite freacky my ickle boy drives such huge monsters ) but yet he can't get these youngster friendly insurers to touch him seems very unfair to me, he is more likely to tow the line on thier requirements as driving is his livelihood so he isn't going to risk it
There are brokers out there that have schemes for armed forces. Try towergate. "
just been lookng at some as i had the thought this morning that if some avoid there will be others that try to attract so i've found some and text them to him so fngers crossed he can get a good deal with them, he just wants to be able to get home weekends bless him, luckily between us and his mates we have been able to get hm home whenever he fancies but i think he is feeling bad about asking all the time and just wants the freedom to come and go as he pleases and he earns enough but just don't see why it should all be swallowed up in insurance |
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By (user no longer on site)
over a year ago
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"
If you look at claims stats "
I'd sooner not - it's more interesting in here.
I've been on a corporate policy for about 14 years now
Last year I did an 'exercise' just to see what it would cost me to insure myself.
At the time I had a Peugeot 407 estate worth about £5,000. I have no points on my licence (never have) and have had no accidents in those 14 years so assumed our brokers would provide me with appropriate paperwork to back up I was accident free.
Yet the insurance quote was somewhere in the low £2,000s - that is a lot of money for someone over 40, accident free and points free - and Peugeot 407s I would assume aren't one of the more swiped cars out there ? |
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By (user no longer on site)
over a year ago
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Interesting thread. Been looking for my 17yr son. Found a lovely 1000cc daweoo matiz for £750. Tried all sorts of combinations but the cheapest insurance I could get was just shy of £3000!!! How on earth is he supposed to afford that when he is at college and only has a part-time job. Madness. |
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"Mrs Steborahs MGF is a 1997 model so it is 15 years old and as a result qualifies for classic insurance. £175.  "
This is the answer, get a classic - why do all the youngsters want prissy little Saxos anyway? The secret is not to drive what all the others drive - i.e. the most crashed hatchback! Adrian S Flux have given me some great deals over the years, and most cars over 10 years old can be insured as classics, not just sports cars. |
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By (user no longer on site)
over a year ago
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Can you get the 'classic' insurance if you do 12-15,000 miles a year though and need to use the car for work ?
I remember when I had my old MG Roadster that insurance was cheap but limited to personal use and mileage capped at around 3,000 per year which in fairness was all I needed |
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By (user no longer on site)
over a year ago
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Don't tell them you are unemployed they say you gunna drive more looking for jobs, more time spare so put another 300 quid on. You just can't win with em |
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By *irtydan OP Man
over a year ago
Blackpool |
"Interesting thread. Been looking for my 17yr son. Found a lovely 1000cc daweoo matiz for £750. Tried all sorts of combinations but the cheapest insurance I could get was just shy of £3000!!! How on earth is he supposed to afford that when he is at college and only has a part-time job. Madness."
thats the same car ive found for my twin 17 yr old girls ive just been quoted 4000 each with the camera in they have a part time job and go to college its the bus for them im thinking |
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It may not offer a massive discount but some insurers will look favourably on 2 points. Have as a new driver you taken Pass Plus, or have you done any advanced driving training with The Institute of Advanced Motorists or the AA? I know the IAM are working on a deal for the under 25's with their preferred insurers to offer cheaper prices. Generally insurers will be happy to do deals if they can see you are trying to do your bit too. |
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"Interesting thread. Been looking for my 17yr son. Found a lovely 1000cc daweoo matiz for £750. Tried all sorts of combinations but the cheapest insurance I could get was just shy of £3000!!! How on earth is he supposed to afford that when he is at college and only has a part-time job. Madness."
simples! get a bike!
why is it necessary to own their own car at 17?
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"It's not just young drivers, it's all (or most) drivers
My mate drives a 13 year old Rover 214, book value £250 - insurance cost £1,475 third party only.
They insure against overall risk, not just the drivers age.
So the area you live, what you use the car for, where it is parked, how many points you have, how many accidents you have had etc all figure too in bumping them premiums up.
I can understand when such parities exist in the value of the car and it's insurance cost, why some people do chance it without !
He was doing just that until Bussy found out, gave him a stern talking to (and a £300 loan to pay the first payment) so back to being legal again."
ii dont understand why he would take such a stupid risk as to drive without insurance and knowingly do it!
CARS HAVE THE POTENTIAL TO KILL!
its idiots like this that make it so more expensive for the rest of the teenagers!
def lack of grey matter! i'd happily shop someone if I knew they were doing this..
stern talking too? I'll give you an example of what can happen..
when i was married and my wife was 6 months pregnant we'd been out for the evening and on our way home had pulled up at some lights.
left about 12 feet from the car in front of me ,sitting waiting for the lights to change when i looked in the rear view mirror and saw a fiesta which didn't seem to be slowing down. So i put my foot on the brake (hand brake was on) put my arm across my wife and waited for the impact, the impact pushed me almost into the car in front and the fiesta's engine almost into the passenger seat!
the young driver had been trying to impress some mates he saw walking by!
wife rushed to hospital!
him no insurance! his parents had to foot a massive bill and he lost his licence and a large fine, far higher than the cost of his insurance..
fortunately our unborn child was ok.
this 'accident' wasnt out on a busy road but in the middle of the high street at 10pm..
his father was a pastor and a very nice family with an idiot for a son. |
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I have found Endsleigh reasonable. And in the past I have been with Elephant and Co-op, both quite reasonable. Shopping around is the only way to go. I use a few of the comparison sites-comparethemarket.com, gocompare.com, moneysupermarket.com to try to find the best deal. |
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By (user no longer on site)
over a year ago
|
"It's not just young drivers, it's all (or most) drivers
My mate drives a 13 year old Rover 214, book value £250 - insurance cost £1,475 third party only.
They insure against overall risk, not just the drivers age.
So the area you live, what you use the car for, where it is parked, how many points you have, how many accidents you have had etc all figure too in bumping them premiums up.
I can understand when such parities exist in the value of the car and it's insurance cost, why some people do chance it without !
He was doing just that until Bussy found out, gave him a stern talking to (and a £300 loan to pay the first payment) so back to being legal again.
ii dont understand why he would take such a stupid risk as to drive without insurance and knowingly do it!
CARS HAVE THE POTENTIAL TO KILL!
its idiots like this that make it so more expensive for the rest of the teenagers!
def lack of grey matter! i'd happily shop someone if I knew they were doing this..
stern talking too? I'll give you an example of what can happen..
when i was married and my wife was 6 months pregnant we'd been out for the evening and on our way home had pulled up at some lights.
left about 12 feet from the car in front of me ,sitting waiting for the lights to change when i looked in the rear view mirror and saw a fiesta which didn't seem to be slowing down. So i put my foot on the brake (hand brake was on) put my arm across my wife and waited for the impact, the impact pushed me almost into the car in front and the fiesta's engine almost into the passenger seat!
the young driver had been trying to impress some mates he saw walking by!
wife rushed to hospital!
him no insurance! his parents had to foot a massive bill and he lost his licence and a large fine, far higher than the cost of his insurance..
fortunately our unborn child was ok.
this 'accident' wasnt out on a busy road but in the middle of the high street at 10pm..
his father was a pastor and a very nice family with an idiot for a son."
insurance premiums don't stop people driving like dick heads
they will always figure on the roads
my mate isn't a kid either and is probably a much more cautious driver than most
he literally could not afford the downpayment on the premiums he was quoted
the premium quoted amounted to what was knocking 8/9% of his gross income !
he could not get a bus as he has to use his car for work
no car = no work = no income = no nothing
am in full agreement about people driving without insurance hence why i agreed to help when i needn't have
but when faced with scenarios like that, i can see why people do run round without it |
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"It's not just young drivers, it's all (or most) drivers
My mate drives a 13 year old Rover 214, book value £250 - insurance cost £1,475 third party only.
They insure against overall risk, not just the drivers age.
So the area you live, what you use the car for, where it is parked, how many points you have, how many accidents you have had etc all figure too in bumping them premiums up.
I can understand when such parities exist in the value of the car and it's insurance cost, why some people do chance it without !
He was doing just that until Bussy found out, gave him a stern talking to (and a £300 loan to pay the first payment) so back to being legal again.
ii dont understand why he would take such a stupid risk as to drive without insurance and knowingly do it!
CARS HAVE THE POTENTIAL TO KILL!
its idiots like this that make it so more expensive for the rest of the teenagers!
def lack of grey matter! i'd happily shop someone if I knew they were doing this..
stern talking too? I'll give you an example of what can happen..
when i was married and my wife was 6 months pregnant we'd been out for the evening and on our way home had pulled up at some lights.
left about 12 feet from the car in front of me ,sitting waiting for the lights to change when i looked in the rear view mirror and saw a fiesta which didn't seem to be slowing down. So i put my foot on the brake (hand brake was on) put my arm across my wife and waited for the impact, the impact pushed me almost into the car in front and the fiesta's engine almost into the passenger seat!
the young driver had been trying to impress some mates he saw walking by!
wife rushed to hospital!
him no insurance! his parents had to foot a massive bill and he lost his licence and a large fine, far higher than the cost of his insurance..
fortunately our unborn child was ok.
this 'accident' wasnt out on a busy road but in the middle of the high street at 10pm..
his father was a pastor and a very nice family with an idiot for a son.
insurance premiums don't stop people driving like dick heads
they will always figure on the roads
my mate isn't a kid either and is probably a much more cautious driver than most
he literally could not afford the downpayment on the premiums he was quoted
the premium quoted amounted to what was knocking 8/9% of his gross income !
he could not get a bus as he has to use his car for work
no car = no work = no income = no nothing
am in full agreement about people driving without insurance hence why i agreed to help when i needn't have
but when faced with scenarios like that, i can see why people do run round without it "
no excuses! you can give me all the reasons/excuses you like about why he couldn't afford it, it just doesn't justify it and you know full well..
you insure against the what if's...
so I guess he didn't have tax either, after all you cant get that without the insurance..
you cut your cloth according to your budget and if you cant afford the expense of running a car you dont and it stays on the drive..
"my mate isn't a kid either and is probably a much more cautious driver than most"
his caution is driven partially out of not having an accident but more likely not getting caught!
so he does all he can not to have an accident but some one runs into him and he's in the middle of a pile up...do I really need to say more?
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By (user no longer on site)
over a year ago
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"
no excuses! you can give me all the reasons/excuses you like about why he couldn't afford it, it just doesn't justify it and you know full well..
you insure against the what if's...
so I guess he didn't have tax either, after all you cant get that without the insurance..
you cut your cloth according to your budget and if you cant afford the expense of running a car you dont and it stays on the drive..
"my mate isn't a kid either and is probably a much more cautious driver than most"
his caution is driven partially out of not having an accident but more likely not getting caught!
so he does all he can not to have an accident but some one runs into him and he's in the middle of a pile up...do I really need to say more?
"
he has always been a cautious driver
he hasn't always ran a car without insurance and in the event did so for a couple of weeks before he asked for some help
and yes, he had tax
not having insurance is more common than you might think
we ask to see drivers licences (and check them with the DVLA) as part of the recruitment process and it always surprises me just how many IN10's there are out there !
and these are guys that drive for a living
insurance doesn't improve road safety - there will always be dickheads on the road, insured or otherwise |
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"Don't tell them you are unemployed..."
FFS...not telling insurance companies all the facts is the most guaranteed way of getting your claims rejected.
Remember that next time you just touch the bumper of the car in front of you and cause thousands of pounds of a whiplash claim against you.
I have to say, I sometimes wonder, when you see a big Mercedes, or a BMW with someone in their 20's at the wheel, where are they getting the money from to a) buy the car in the first place, and b) insure the damned thing. Sometimes I wish I was a traffic copper so that I could find out the answers to those questions.  |
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"
no excuses! you can give me all the reasons/excuses you like about why he couldn't afford it, it just doesn't justify it and you know full well..
you insure against the what if's...
so I guess he didn't have tax either, after all you cant get that without the insurance..
you cut your cloth according to your budget and if you cant afford the expense of running a car you dont and it stays on the drive..
"my mate isn't a kid either and is probably a much more cautious driver than most"
his caution is driven partially out of not having an accident but more likely not getting caught!
so he does all he can not to have an accident but some one runs into him and he's in the middle of a pile up...do I really need to say more?
he has always been a cautious driver
he hasn't always ran a car without insurance and in the event did so for a couple of weeks before he asked for some help
and yes, he had tax
not having insurance is more common than you might think
we ask to see drivers licences (and check them with the DVLA) as part of the recruitment process and it always surprises me just how many IN10's there are out there !
and these are guys that drive for a living
insurance doesn't improve road safety - there will always be dickheads on the road, insured or otherwise"
So being a cautious driver he wasn't looking over his shoulder for blue lights and worrying if he was going to be pulled? After all he didn't want to loose his licence and possibly his job did he.
His conscience was clear and he drive without being distracted by his flagrant ignoring of his requirement to have valid insurance.
Stop making excuses for him, you knew it was wrong so much so you lent him the money, which at least shows you're a good friend and one that knows you must have insurance to stay on the road.
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By (user no longer on site)
over a year ago
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"Going through it with my son who has just turned 22. driving since 17 no convictions or accidents just bought a new second car Citroen saxo vtr cheapest quote up to now is £2560 consequently its parked on the drive and he is bussing it to work so to answer your question "Don't know any"
My 20 year old passed her test in February. We bought her a new Suzuki. Her father and I are on her insurance 70 years driving between us, no claims and still cost us £2,500.
whose name is the insurance in, if its you or her fathers, but your daughter is the main driver of the car, you may find to your (her) cost that she is not insured at all.
this is something that has been happening for years, and is now being heavily cracked down on
Thanks for that, I'll double check! "
Interesting replies on here. When you added your 20 year old son, the main risk was him as the younger driver(inexperienced) in insurance terms lol and thats why the premium was high.There is a lot of things that underwriters look into to get their premiums
1-Area rating
2-type of car and engine size
3-age of the car and drivers
4-occupation
5-use
The list is endless. Try Brokers sometimes they can give you a good.You need tpoo be careful, if you buy a second car and insure it under your name and add your daughter or son and then they are the ones using the car often,because you have insured the car under your name, this brings the premium down, however if your daughter or son are the main driver this could be regarded as fraud to get the premium down and in some cases the insurance could be void.
If any one wants advise on this get intouch with me, i work for a Big Nation wide insurance Broker and i will be happy to give advise |
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"Going through it with my son who has just turned 22. driving since 17 no convictions or accidents just bought a new second car Citroen saxo vtr cheapest quote up to now is £2560 consequently its parked on the drive and he is bussing it to work so to answer your question "Don't know any"
My 20 year old passed her test in February. We bought her a new Suzuki. Her father and I are on her insurance 70 years driving between us, no claims and still cost us £2,500.
whose name is the insurance in, if its you or her fathers, but your daughter is the main driver of the car, you may find to your (her) cost that she is not insured at all.
this is something that has been happening for years, and is now being heavily cracked down on
Thanks for that, I'll double check!
its called fronting if you want to look it up. its def illegal and prosecuted as fraud'
would result in at least 6 points for the young personn, the implications of that is revoked licence so has to take test again, possibility of car being siezed due to no insurance,
and ultimatly a massive bil should they injure or kill someone whils not being insured
is that really worth it to save a few hundred quid?
"
If we wanted to save a few hundred quid we'd not buy her a brand new car outright, top it up etc would we?
As it is, the insurance is in her name.  |
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By (user no longer on site)
over a year ago
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I'm looking for TPF&T quotes for a 1.1 Peugeot 206 for my 17 year old brother at the moment - Adrian Flux quoted £4k and Compare the Market etc were coming up as £3.5k... I just did a search on Tiger and Asda are showing as £2k and eCar as just a smidge over... still not wonderful but at least semi affordable for him. The only problem now is that paying it over 12 months is a "credit facility" and only available to over 18s... |
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You know sometimes I wonder if it's just better to say to little johnny NO you can't have a car as you can't afford to fun it! When you're earning a decent salary then you can think about it.
It's not just the ins is it!
Petrol/diesel tax, MOT, servicing, I take it you're all showing them how to be responsible adults and to live within their means...
We're all having to going through hard times due to people living beyond what they earn...
Seems to me the insurance industry wants to keep teenagers off the roads in the UK.
When my lad travels to Geneva he's able to drive any of the cars in the family there which includes a scirocco and top range Audi and all because it's the cars that are insured and not the individuals..
Cost of ins may be a little pricey but nothing compared with the thousands being exp here.
Whilst at uni here he'd walk or use public transport. He understood that owning and running a car here was out of his league and he couldn't drive mine as it had a min age of 25
He's about to go around the world and won't be needing a car for that either...
It says something in the UK when you can drive, and yet can't vote or drink until 18.
If your not responsible enough to do those why let you get behind the wheel of tonnes of metal and glass and explosive fuel! lol
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By (user no longer on site)
over a year ago
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I totally agree..I intend to wirte to the minister responsable and see if they will look into this its disgusting that these companies can get away with it. tell you this, once insured I would never ever insure with these bastards that rip people off again and Im sure many others feel the same .Aviva of all people..before they were taken over by aviva they were great. |
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By (user no longer on site)
over a year ago
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Talking from my brother's perspective he just managed to get himself a 4 year apprenticeship which I'm so proud of him for. The place in question which he's been taken on from is not near his house, nor is it on public transport links. He really does need to drive there. It seems to me that if he's been judged as being of adequate ability to drive the car there shouldn't be this many barriers in his way. Yes, higher insurance, he understands that, I understand that. But to be quoted £4000 for a 1.1 worth about £500 just seems a bit excessive - that coupled with the fact he's not able to pay it up monthly due to being under 18... he'd be better on the dole queue huh, doesn't deserve a car until he's 25 obviously (even though he paid for this one, it's MOT, it's road tax, all from working at Burger King for about £4 an hour while he studied...) |
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By (user no longer on site)
over a year ago
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And his akiller..I have been driving for 30 years, and have been driving a mobility car for 9 of them and guess what ?..if I go back to a normal car now, all those years of driving dont count for no claims bonus..WTF ??? can anyone tell me whats the difference between driving a vectra 1900 turbo diesel 150 break horse power (one of our previous mobility cars) and any other if I chose too on normal insurance?..just another way to screw the public..bloody insurance companies I hate them. heres another.... I insured our home last year with the AA.. no claim on it costs #70 per year, I thought..great !! next year it went up to exactly double..#140..I rang and asked why and was told...sorry Sir premiums are gonig up ..fuck em !!! I told them to piss of thieving bastards and went elsewhere. some way of looking after your good customers. |
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"And his akiller..I have been driving for 30 years, and have been driving a mobility car for 9 of them and guess what ?..if I go back to a normal car now, all those years of driving dont count for no claims bonus..WTF ??? can anyone tell me whats the difference between driving a vectra 1900 turbo diesel 150 break horse power (one of our previous mobility cars) and any other if I chose too on normal insurance?..just another way to screw the public..bloody insurance companies I hate them. heres another.... I insured our home last year with the AA.. no claim on it costs #70 per year, I thought..great !! next year it went up to exactly double..#140..I rang and asked why and was told...sorry Sir premiums are gonig up ..fuck em !!! I told them to piss of thieving bastards and went elsewhere. some way of looking after your good customers."
You will find a similar situation if you've driven company vehicles and then go to your own. A lot will not take into account your no claims, always shop around and never stay with the same comp when time to renew unless they're prepared to match the offers available else where. |
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By (user no longer on site)
over a year ago
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"You know sometimes I wonder if it's just better to say to little johnny NO you can't have a car as you can't afford to fun it! When you're earning a decent salary then you can think about it.
It's not just the ins is it!
Petrol/diesel tax, MOT, servicing, I take it you're all showing them how to be responsible adults and to live within their means...
We're all having to going through hard times due to people living beyond what they earn...
Seems to me the insurance industry wants to keep teenagers off the roads in the UK.
When my lad travels to Geneva he's able to drive any of the cars in the family there which includes a scirocco and top range Audi and all because it's the cars that are insured and not the individuals..
Cost of ins may be a little pricey but nothing compared with the thousands being exp here.
Whilst at uni here he'd walk or use public transport. He understood that owning and running a car here was out of his league and he couldn't drive mine as it had a min age of 25
He's about to go around the world and won't be needing a car for that either...
It says something in the UK when you can drive, and yet can't vote or drink until 18.
If your not responsible enough to do those why let you get behind the wheel of tonnes of metal and glass and explosive fuel! lol
"
What a load of Tosh! |
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"You know sometimes I wonder if it's just better to say to little johnny NO you can't have a car as you can't afford to fun it! When you're earning a decent salary then you can think about it.
It's not just the ins is it!
Petrol/diesel tax, MOT, servicing, I take it you're all showing them how to be responsible adults and to live within their means...
We're all having to going through hard times due to people living beyond what they earn...
Seems to me the insurance industry wants to keep teenagers off the roads in the UK.
When my lad travels to Geneva he's able to drive any of the cars in the family there which includes a scirocco and top range Audi and all because it's the cars that are insured and not the individuals..
Cost of ins may be a little pricey but nothing compared with the thousands being exp here.
Whilst at uni here he'd walk or use public transport. He understood that owning and running a car here was out of his league and he couldn't drive mine as it had a min age of 25
He's about to go around the world and won't be needing a car for that either...
It says something in the UK when you can drive, and yet can't vote or drink until 18.
If your not responsible enough to do those why let you get behind the wheel of tonnes of metal and glass and explosive fuel! lol
What a load of Tosh! "
Hmmm clearly someone who doesn't have teenagers! lol |
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By (user no longer on site)
over a year ago
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the reason car insurance premiums are going up is because of the exponential increase in Personal Injury claims which are solicited by ambulance chasing legal firms out to make money from others misery. most people wont think twice about accepting 3 or 4 grand for whiplash when they know they have no condition at all.
for learner drivers their is an affordable product called Provisional Marmalade which insures a learner drive to drive any car. Also the tracker device is a great idea.....it will give you a maximum monthly premium that your payment will not exceed, but it will measure things like acceleration, braking, taking corners etc and will alter the cost monthly based on the readings so that good drivers are rewarded.
when buying online from comparison websites, policies are massively discounted to ensure the company/broker comes near the top. so big are the discounts that brokers sell them at a loss, quite often to the tune of hundreds of pounds. so they only money they make is the interest on instalments the majority of which is cancelled out by the negative commission written off to ensure the company tops the list.
in effect they hedge their bets that you are going to renew the following year on a policy with some commission on it. the reality is that insurers will not make any money until year 3 of a policy, and as much as 80% of all premiums collected is paid back out for claims.
so when you get your renewal notice through and its jumped up its not cause theyre trying to fleece you, its because they wrote your policy at a loss the year before and they want to try make a little money. every insurer would go down the drain if they discounted the 2nd policy the same way as the 1st as they would be losing money over fist.
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