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Car insurance for young drivers
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Has it gone too far? I know a couple of under 20s that are struggling with the cost to he point where one is considering selling her car and the other is insuring his mums car on a day basis.
The latter paid £15 to insure a car yesterday but was still on a 10pm curfew by the insurers.
The younger generation seem to be losing freedom and I think it’s very sad and an infringement on rights that we used to take for granted.
Car insurance for the young - costly, night curfews and black boxes to monitor your speed. Progress or big brother ? |
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By (user no longer on site)
over a year ago
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Nearly 20 years ago when I first passed my test, my car insurance was £550 a year I'm not sure just what this would equate too today? But it seemed pretty steep then.
I later got a rather sporty Escort and my insurance went up to £1800 a year, this was around early 2000/2001 so I don't think it's anything new. I've always felt insurance companies are very exploitative and I don't think anything is going to change it unfortunately. Where we live public transport is pretty poor so young adults either have to drive or rely on friends or family to get to work, so definitley not progress in my view.
Ginger |
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I don't agree that all should be penalised just because most accidents are cause by the young. But then I guess it's difficult to penalised those who do it, as once they've had an accident they may just not bother driving for a while.
But then I question what are we paying insurance for. I've got 6 years no claims, had an accident last year and ended up owing my insurance company money as the premium was more than the cost of the car. The accident wasn't my fault and had been proven, but my renewal almost tripled! In 6 years I've paid thousands, that would cover the cost of my car and more. But instead of seeing that I've paid loads previously instead I'm charged more.
One of my renewal options was to have a black box, personally I don't see anything wrong with them if you're a sensible driver. I've never heard of anyone having a curfew, but again, I guess that's put down to "boy racers" an how they tend to go out and meet in car parks etc.
It's unfortunate people are penalised for something that isn't their fault and I don't agree, but not much we can do about it apart from refuse to pay; which could be why there are so many uninsured drivers. |
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I think the younger generation are pretty fucked generally.
If they can afford to buy a car, they can’t afford to insure it. House prices are horrendous, rent is rediculous. Most are living at home with mum and dad till they’re in their 30’s. Employment opportunities are rubbish. Education is really poor, schools have no money. My daughter is in the 3rd year at Uni, goes in maybe twice a week and will leave with over £40k of debt (now that’s value for money!).
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I may be talking out of turn about the black box to be fair, but if it is monitoring speed and penalising drivers that go outside limits I’m not sure what leeway they give. Does driving 1 or 2 mph over the limit count? How about overtaking ? It would be potentially dangerous not to overtake quickly.
I did read one story about them which was positive. A lad had come off the road and his car crashed into some field. His car completely hidden from view. The black box communicated back to the insurer that a sudden impact had occurred. They tried to call the driver who was unconscious, so getting no reply they alerted 999 to the scene. He was found alive and taken to hospital where he recovered. |
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It’s all about statistics, they will use the fact that most accidents are either caused by or involve a younger driver so they cover their asses insurance is a win win for them.
We should all just have one policy for all things that we want to cover, car, travel, home etc.
You could then just tick a box for what you want.
We have ours on the young driver course so they will get a discount when they are eventually old enough to drive on the roads. |
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On my eldests 17th birthday I arranged for him to be picked up from college by a driving instructor, and have a block of 10 lessons.
I was then going to put him on my insurance & he could drive us around as well as a weekly lesson til he had his test.
My insurance at the time, £26 fully comp... Adding him put it upto £123 a month!
Not an expense I could afford at the time.
He sold his 50cc Vespa, bought a larger bike, which I insured & covered running costs on for the year, at almost a quarter of the price.
He's now 25, rides a bloody great 1200cc bike, and onky just having driving lessons as his GF has a company car which he can be insured on |
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It's market failure plain and simple. Yes i bet young people are more accident prone but i bet i could also slice and dice the data and show you that there are groups within the young that are lower or higher risk than other age groups.
The insurance companies are all carbon copies of each other so nobody has an incentive to change. Having been through renewal recently, they are lazy and lack innovation, black boxes are definately not the answer. They did not ask questions that were critical to my risk profile and extrapolate fuzzy conclusions from erroneous questions. |
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By (user no longer on site)
over a year ago
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Car insurance really gets under my skin.
Here’s a recent example
Me: 25, full clean license driving since 17 and 4 months. Plenty of no claims was paying £158 per month to insure a civic type R fully comp.
Just out of curiosity, I did a quote for MrsDPT: 25, no experience so set as a new driver, 0 no claims. £400 per year
 |
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I’ve been driving nearly 25 years. Insurance has always been an expense, but never unaffordable.
If high prices mean drivers are abandoning their cars or never either starting, it tells me something is very wrong.
And the comment above about the increase in non insured drivers again just goes to show the companies have gone too far. Most people would try to stay on the right side of the law. |
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"Car insurance really gets under my skin.
Here’s a recent example
Me: 25, full clean license driving since 17 and 4 months. Plenty of no claims was paying £158 per month to insure a civic type R fully comp.
Just out of curiosity, I did a quote for MrsDPT: 25, no experience so set as a new driver, 0 no claims. £400 per year
"
That’s fucked up  |
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By (user no longer on site)
over a year ago
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"Car insurance really gets under my skin.
Here’s a recent example
Me: 25, full clean license driving since 17 and 4 months. Plenty of no claims was paying £158 per month to insure a civic type R fully comp.
Just out of curiosity, I did a quote for MrsDPT: 25, no experience so set as a new driver, 0 no claims. £400 per year
That’s fucked up "
That to me is simply sex/gender discrimination, nothing changed except the driver, just to be sure I changed all the details except the driver to be identical and the price difference is ridiculous.
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"Has it gone too far? I know a couple of under 20s that are struggling with the cost to he point where one is considering selling her car and the other is insuring his mums car on a day basis.
The latter paid £15 to insure a car yesterday but was still on a 10pm curfew by the insurers.
The younger generation seem to be losing freedom and I think it’s very sad and an infringement on rights that we used to take for granted.
Car insurance for the young - costly, night curfews and black boxes to monitor your speed. Progress or big brother ?"
It's always been high unless you did the old put it on your parents policy back in the day.
I was paying @£700 on a sports car when I was @20y.o waaaaaay back in the day |
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By (user no longer on site)
over a year ago
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"Suffer it ....the black box records everything and within a year brings the insurance down "
Do you also believe the lies that when you hit 21 or 25 (delete as applicable)
Insurance also becomes cheaper? 
It may become slightly cheaper but that sad thing is, I know people who are insuring 2 or 3 cars a year for about two months of what I pay.
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By (user no longer on site)
over a year ago
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It's very convenient for the insurance companies to blame the young drivers and load there premiums to ridiculous levels. In reality it's the companies own unscrupulous business practices that keeps everyone's premiums so high. Between the insurance companies, the recommended garage policy and the lack of a three quotes system... there's a lot of piss being taken 
I recently had to make a claim. My insurance company sent me to there recommend garage who, quoted £2,400 to fix my car. The insurance company were happy, however, I was a little gob smacked. I took my car to three small independent body shops, the most expensive quote I received was £800! I insisted my car was repaired at one of these garages.
I would say that if the insurance companies are paying out three times the amount a repair should cost on every claim that's made, they have to recoup that money from somewhere and blame someone!
The young are an easy target... pretty disgusting really!
Wouldn't surprise me if the insurance companies didn't own a lot of the "Recommend garages" they use.
Bearing in mind insurance is something every driver has to have by law...the government should be a lot more active in policing the insurance companies and the repair shops they herd us towards. |
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Insured my 19yr old son a couple of weeks ago. £1200 for his 02 plate fiesta with a black box fitted and a curfew where if he drives the car between 11pm and 5 am the premiums rise. It also needs to be parked the majority of nights at home, meaning he can't drive into town on a friday night for a drink and get a cab home. My friend in London is having to pay over £2000 for her daughter because of London's premium prices. |
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"Insured my 19yr old son a couple of weeks ago. £1200 for his 02 plate fiesta with a black box fitted and a curfew where if he drives the car between 11pm and 5 am the premiums rise. It also needs to be parked the majority of nights at home, meaning he can't drive into town on a friday night for a drink and get a cab home. My friend in London is having to pay over £2000 for her daughter because of London's premium prices."
Exactly the thing I’m talking about. |
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"If you can't afford the premiums don't buy the car. The biggest problem is the car-centric society we live in and that owning a car is seen as a right."
City boy? Looking out my kitchen window to open fields. Nearest village 2 miles away. Work 30 miles away. Daughters college 20 miles away. |
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"If you can't afford the premiums don't buy the car. The biggest problem is the car-centric society we live in and that owning a car is seen as a right."
I'd happily use public transport, but when you add it all up its cheaper to drive, especially for a family. For me and my kids to go into town, on a bus, I'm looking at paying around £12 a time. To get the train to Skegness it was £147. |
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By *ikeC81Man
over a year ago
harrow |
I live in london but get the tube to the office so I would only use the car in evenings or at weekends - it’s not just insurance it’s cost of the car, petrol, tax, any repairs, mot.
In the end I decided to do without a car as it just wasn’t cost effective |
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By (user no longer on site)
over a year ago
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Totally agree with the scadalous amount insurance companies charge. I passed 2 and a half years ago. Thought every year its meant to get cheaper. And have not noticed a change in my policy. Plus i work as a drver too. And thought yhat would help but obviously not. One of my friends daughter passed a couple of months ago. And they have been quoted as having to pay £1300 Just as a named driver. |
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"It's very convenient for the insurance companies to blame the young drivers and load there premiums to ridiculous levels. In reality it's the companies own unscrupulous business practices that keeps everyone's premiums so high. Between the insurance companies, the recommended garage policy and the lack of a three quotes system... there's a lot of piss being taken
I recently had to make a claim. My insurance company sent me to there recommend garage who, quoted £2,400 to fix my car. The insurance company were happy, however, I was a little gob smacked. I took my car to three small independent body shops, the most expensive quote I received was £800! I insisted my car was repaired at one of these garages.
I would say that if the insurance companies are paying out three times the amount a repair should cost on every claim that's made, they have to recoup that money from somewhere and blame someone!
The young are an easy target... pretty disgusting really!
Wouldn't surprise me if the insurance companies didn't own a lot of the "Recommend garages" they use.
Bearing in mind insurance is something every driver has to have by law...the government should be a lot more active in policing the insurance companies and the repair shops they herd us towards. "
More to do with every cunt claiming they have whiplash after an accident actually |
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"If you can't afford the premiums don't buy the car. The biggest problem is the car-centric society we live in and that owning a car is seen as a right."
That's fair enough if you have access to reasonable public transport. If you need a car to get to work, you can get round paying out all the expenses that go with it. |
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By (user no longer on site)
over a year ago
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"It's very convenient for the insurance companies to blame the young drivers and load there premiums to ridiculous levels. In reality it's the companies own unscrupulous business practices that keeps everyone's premiums so high. Between the insurance companies, the recommended garage policy and the lack of a three quotes system... there's a lot of piss being taken
I recently had to make a claim. My insurance company sent me to there recommend garage who, quoted £2,400 to fix my car. The insurance company were happy, however, I was a little gob smacked. I took my car to three small independent body shops, the most expensive quote I received was £800! I insisted my car was repaired at one of these garages.
I would say that if the insurance companies are paying out three times the amount a repair should cost on every claim that's made, they have to recoup that money from somewhere and blame someone!
The young are an easy target... pretty disgusting really!
Wouldn't surprise me if the insurance companies didn't own a lot of the "Recommend garages" they use.
Bearing in mind insurance is something every driver has to have by law...the government should be a lot more active in policing the insurance companies and the repair shops they herd us towards.
More to do with every cunt claiming they have whiplash after an accident actually "
Silly me  |
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By *ransGuyTV/TS
over a year ago
Cardiff |
Try threatening to leave. I did that and suddenly they could drop the cost by £200! I still left them anyway out of principal - if I'm paying more than I should be and they have said nothing then they can bugger off if they think they will get any more out of me!
Thankfully my insurance has gone down £30 this year. Ok so it's not much but they actually bothered to tell me and knocked it down!
I started off on my Mum's insurance otherwise I would have been stuck with the poor and very limiting public transport or begging lifts from her. I do feel sorry for those who can't do that. I was the only one of my friends at uni with a car for a couple of years and so played taxi most of the time, I saw how much it frustrated them but the cost of living was too high for them to add on car insurance as well, but during the holidays they worked their arses off and in the final year had their own.
But there are some I don't feel sorry for as they waste their money away on things they don't need and then moan they can't afford to pay insurance.
It sucks, but what can you do about it? All I can suggest is to shop around every year not just at the beginning. It's a pain but some companies are better than others and it's us that need to do the work to find them. |
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By (user no longer on site)
over a year ago
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There are a few ways around it but yes it’s bloody extortionate. An advanced driving course can lower cost and it’s worth doing your research into individual insurers. The reason being is that they all vary depending on their underwriters, some underwriters say a car is more at risk of theft on the driveway as theives know what house corresponds with what car etc. It’s daft but they each vary on what’s considered a bad area, what professions are least at risk, the location the car is parked overnight etc. So it’s best to research that and pick an insurance company that has guidelines underwritten that suit your circumstances. This is the best way to get a cracking deal  |
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"There are a few ways around it but yes it’s bloody extortionate. An advanced driving course can lower cost and it’s worth doing your research into individual insurers. The reason being is that they all vary depending on their underwriters, some underwriters say a car is more at risk of theft on the driveway as theives know what house corresponds with what car etc. It’s daft but they each vary on what’s considered a bad area, what professions are least at risk, the location the car is parked overnight etc. So it’s best to research that and pick an insurance company that has guidelines underwritten that suit your circumstances. This is the best way to get a cracking deal "
Thank you. I didn’t know that |
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I did a pass plus course when I learnt to drive at the age of 21 and that did lower my insurance very slightly but the main advantage was that I got use to so many different roads and didn't MIDDLE LANE HOG ON THE SODDING MOTORWAY!
Sorry where was I...at first insurance cost me about £1200, having switched to my own policy a few years ago it is now roughly £600. Unfortunately there are awful drivers in all age groups but the young get the most wrap within the media about it. What annoyed me the most from when I started driving was young drivers who had very expensive cars! Seeing newly qualified youths driving around in Audis/BMWs/Mercs etc really just didn't feel good, ok yes people can pay for nice cars but you should work up to something like that and get use to operating on roads first |
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By (user no longer on site)
over a year ago
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I insured my first car at 30, been driving since 17 on company cars but insurance companies don't take that into account unless the policy is in you name, not just a named driver. Cost on a basic model cheap run around was £1000 fully comp. I'd been doing an average of 35k miles a year without points or claims.
Insurance is a racket. However, the claims culture we have evolved into has not helped. |
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"Car insurance really gets under my skin.
Here’s a recent example
Me: 25, full clean license driving since 17 and 4 months. Plenty of no claims was paying £158 per month to insure a civic type R fully comp.
Just out of curiosity, I did a quote for MrsDPT: 25, no experience so set as a new driver, 0 no claims. £400 per year
"
How did you get it so low for her?
We bought my car a year ago, 02 plate Mazda Mx5 which we paid £1100 for but is worth about 300 more. Insured me as the main driver on L plates with 3 years no claims on a Vespa at a cost of £450 for the year. Passed test 6 months ago and it only went up to £650. My renewal came down by 20 quid but I decided to shop around. Every other insurer now considers me to be a brand new driver, will accept no no claims earned on any vehicle prior to passing my driving test and the cheapest quote I could find was £1500 quid, most companies were wanting well over 2 grand!
|
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"It's very convenient for the insurance companies to blame the young drivers and load there premiums to ridiculous levels. In reality it's the companies own unscrupulous business practices that keeps everyone's premiums so high. Between the insurance companies, the recommended garage policy and the lack of a three quotes system... there's a lot of piss being taken
I recently had to make a claim. My insurance company sent me to there recommend garage who, quoted £2,400 to fix my car. The insurance company were happy, however, I was a little gob smacked. I took my car to three small independent body shops, the most expensive quote I received was £800! I insisted my car was repaired at one of these garages.
I would say that if the insurance companies are paying out three times the amount a repair should cost on every claim that's made, they have to recoup that money from somewhere and blame someone!
The young are an easy target... pretty disgusting really!
Wouldn't surprise me if the insurance companies didn't own a lot of the "Recommend garages" they use.
Bearing in mind insurance is something every driver has to have by law...the government should be a lot more active in policing the insurance companies and the repair shops they herd us towards.
More to do with every cunt claiming they have whiplash after an accident actually "
I found out something interesting the other day. You know all those cold calls about an ‘accident’ you were in? Well, when you go on to price comparison websites, and you have to put all your information in to get any quotes. They then sell all your information to ambulance chasers who then contact everyone about their ‘accidents’. So they are encouraging people to make false claims and therefore driving up premiums. Quite good business really. Totally shit for us consumers though. |
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By (user no longer on site)
over a year ago
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"If you can't afford the premiums don't buy the car. The biggest problem is the car-centric society we live in and that owning a car is seen as a right."
Spot on. I asked my sons where it was they wanted to go that was worth paying £2000 p/a to insure a car for. They couldn’t answer. They are now fully independent travelers using rail and cycling. They only use a car as last resort rather than like most people who see it as first resort, the only way, and therefore a ‘right’. |
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By (user no longer on site)
over a year ago
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"Car insurance really gets under my skin.
Here’s a recent example
Me: 25, full clean license driving since 17 and 4 months. Plenty of no claims was paying £158 per month to insure a civic type R fully comp.
Just out of curiosity, I did a quote for MrsDPT: 25, no experience so set as a new driver, 0 no claims. £400 per year
How did you get it so low for her?
We bought my car a year ago, 02 plate Mazda Mx5 which we paid £1100 for but is worth about 300 more. Insured me as the main driver on L plates with 3 years no claims on a Vespa at a cost of £450 for the year. Passed test 6 months ago and it only went up to £650. My renewal came down by 20 quid but I decided to shop around. Every other insurer now considers me to be a brand new driver, will accept no no claims earned on any vehicle prior to passing my driving test and the cheapest quote I could find was £1500 quid, most companies were wanting well over 2 grand!
"
I didn’t do anything, that’s the frustrating part!
I changed the driver details, that’s it |
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"It's very convenient for the insurance companies to blame the young drivers and load there premiums to ridiculous levels. In reality it's the companies own unscrupulous business practices that keeps everyone's premiums so high. Between the insurance companies, the recommended garage policy and the lack of a three quotes system... there's a lot of piss being taken
I recently had to make a claim. My insurance company sent me to there recommend garage who, quoted £2,400 to fix my car. The insurance company were happy, however, I was a little gob smacked. I took my car to three small independent body shops, the most expensive quote I received was £800! I insisted my car was repaired at one of these garages.
I would say that if the insurance companies are paying out three times the amount a repair should cost on every claim that's made, they have to recoup that money from somewhere and blame someone!
The young are an easy target... pretty disgusting really!
Wouldn't surprise me if the insurance companies didn't own a lot of the "Recommend garages" they use.
Bearing in mind insurance is something every driver has to have by law...the government should be a lot more active in policing the insurance companies and the repair shops they herd us towards.
More to do with every cunt claiming they have whiplash after an accident actually
I found out something interesting the other day. You know all those cold calls about an ‘accident’ you were in? Well, when you go on to price comparison websites, and you have to put all your information in to get any quotes. They then sell all your information to ambulance chasers who then contact everyone about their ‘accidents’. So they are encouraging people to make false claims and therefore driving up premiums. Quite good business really. Totally shit for us consumers though. "
Yup, there are exploiting a logical issue that it's much harder to prove a negative than a positive. So if i say i have whiplash then it's very hard to prove i don't. |
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My son is now 23, he passed his driving test 4 years ago, but only got his first car this year. When he's first passed his test, the quote for insurance on a 1 litre Fiat was £1800, after three years (not actually driving) it was down to £760.
In the mean time he has been riding motorcycles and saving lots of money.
Cal |
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By (user no longer on site)
over a year ago
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Paid god knows how many thousands into insurance over the years and never seen a penny back, it's a fucking racket designed to take money of people....it's just dead money. Paid out never to be seen again
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By (user no longer on site)
over a year ago
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It's very high in my area because of pakistanies and crash for cash scams...
It's happened to all my family and friends many times and that win the claim reguardless...
THANKS LABOUR PARTY |
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By *umpkinMan
over a year ago
near the sounds of the wimborne quarter jack! |
Insurance companies take the p*ss from all age groups! I`m 61 and last year had to change my `96 Discovery for a `52 Discovery half way through the year`s cover. the extra I had to pay, (I was very busy with other things at the time and simply didn`t have the time to look around)was more than the year`s premium. At renewal time, the cost went up even further to almost £600! Unsurprisingly I looked elsewhere and got the cover for £260 which included extra for a speeding ticket which I picked up shortly after I got the replacement car. I then received a phone call from the original company reminding me that I hadn`t renewed my cover to which my reply was I was going elsewhere because their quote was too expensive! I was offered a £40 discount to which my reply was it was still too expensive and I am going with the new company (I told him who it was) and they`re charging me £260. "Oh, that`s MUCH cheaper! Sorry to have troubled you Sir!" |
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By (user no longer on site)
over a year ago
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"If you can't afford the premiums don't buy the car. The biggest problem is the car-centric society we live in and that owning a car is seen as a right."
Outside of cities and built up towns it is necessary |
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By (user no longer on site)
over a year ago
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According to insurance companies, the cause in increase in insurance premiums generally is the amount of fraud in the PI sector and the compensation culture.
Without getting into a very messy issue, in an attempt to combat this issue, the small claims limit will rise to £5k for RTA's (c. 2019) meaning that anyone wishing to claim will have to do it themselves rather than use lawyers (in turn meaning less people are likely to claim).
Lets just see if the insurers reduce their prices or find another magical reason to maintain them and continue t pay huge dividends to their shareholders |
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"It's very high in my area because of pakistanies and crash for cash scams...
It's happened to all my family and friends many times and that win the claim reguardless...
THANKS LABOUR PARTY"
I believe that there have been many groups of varied origins doing these Crash for Cash scams... and I'm not sure why the Labour Party would be to blame?
Cal |
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By (user no longer on site)
over a year ago
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My son's aged 22 and 23 both bought their first cars January. One pays £1300 the younger £1400. They both need cars to get to work, they are both good drivers. |
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"Car insurance really gets under my skin.
Here’s a recent example
Me: 25, full clean license driving since 17 and 4 months. Plenty of no claims was paying £158 per month to insure a civic type R fully comp.
Just out of curiosity, I did a quote for MrsDPT: 25, no experience so set as a new driver, 0 no claims. £400 per year
How did you get it so low for her?
We bought my car a year ago, 02 plate Mazda Mx5 which we paid £1100 for but is worth about 300 more. Insured me as the main driver on L plates with 3 years no claims on a Vespa at a cost of £450 for the year. Passed test 6 months ago and it only went up to £650. My renewal came down by 20 quid but I decided to shop around. Every other insurer now considers me to be a brand new driver, will accept no no claims earned on any vehicle prior to passing my driving test and the cheapest quote I could find was £1500 quid, most companies were wanting well over 2 grand!
I didn’t do anything, that’s the frustrating part!
I changed the driver details, that’s it "
I’m amazed you got it coming up so cheap. I expected mine to be fairly reasonable because of my age but it was ridiculous. One company I phoned told me to stop looking as I won’t find anything cheaper than my renewal quote for at least 2 years after passing my test |
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By (user no longer on site)
over a year ago
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"It's very high in my area because of pakistanies and crash for cash scams...
It's happened to all my family and friends many times and that win the claim reguardless...
THANKS LABOUR PARTY
I believe that there have been many groups of varied origins doing these Crash for Cash scams... and I'm not sure why the Labour Party would be to blame?
Cal"
I think the original poster is seeking to blame them based on the implementation of the 1999 reforms which brought 'no win, no fee' agreements to forefront of the industry.
Of course this is not a complete answer since such agreements were originally introduced in 1990 under a conservative government. 
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By (user no longer on site)
over a year ago
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"Paid god knows how many thousands into insurance over the years and never seen a penny back, it's a fucking racket designed to take money of people....it's just dead money. Paid out never to be seen again
"
I disagree with the comment dead money.
We had a policyholder aged 24. Had an accident. His fault. Killed him self. Insured his passenger badly and killed the others in the other car. The amount set aside to pay out on the claim is over £5million. |
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By *Devil77Man
over a year ago
West Midlands |
In 1994 I paid £800 insurance for a Austin metro that cost me £300.
If you want to drive you have to pay.no way around it.
My dad was self employed at the time and wouldn't let me on his policy as I'd cost way to much!
4 years ago a 'youth allowed into the back of my car and caused over £7k in claims.
The few spoil it for the many,and that goes in other ares too,not just insurance.
I've paid my thousands of pounds over the last 23 years,so as much as I feel for them I am not that sympathetic.
It's their choice at the end of the day. |
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By (user no longer on site)
over a year ago
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"I don't agree that all should be penalised just because most accidents are cause by the young. But then I guess it's difficult to penalised those who do it, as once they've had an accident they may just not bother driving for a while.
But then I question what are we paying insurance for. I've got 6 years no claims, had an accident last year and ended up owing my insurance company money as the premium was more than the cost of the car. The accident wasn't my fault and had been proven, but my renewal almost tripled! In 6 years I've paid thousands, that would cover the cost of my car and more. But instead of seeing that I've paid loads previously instead I'm charged more.
One of my renewal options was to have a black box, personally I don't see anything wrong with them if you're a sensible driver. I've never heard of anyone having a curfew, but again, I guess that's put down to "boy racers" an how they tend to go out and meet in car parks etc.
It's unfortunate people are penalised for something that isn't their fault and I don't agree, but not much we can do about it apart from refuse to pay; which could be why there are so many uninsured drivers. "
Most of those "young drivers" that like to gather in "car parks" are for the most part very careful drivers, many of them drive modified cars that they have put a lot of time, money and effort into and it is their pride and joy, me being one of them, I regularly go to car club meets, they are clubs, not a bunch of youths in a car park doing burn outs and terrorising the elderly. Those "boy racer" cars are also some of the most well maintained and road worthy vehicles on the road. I hate this "ugh boy racers" mentality people have when they really have no idea. Being a car enthusiast, not a boy racer, myself I see this flung around a lot. I've spent thousands on my car, the last thing you'll see me and many others like me doing is driving around like a total cock risking all that time, money and effort. The elderly however.. well. |
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Government policy has improved the lot of most people over the last few years and brought costs down.
This includes restricting payouts for low speed 'whip-lash' claims and changing the postcode system for an area based one. Living in a beautiful area just outside a major city on the fringes of some less salubrious areas, this has made a big difference to me. But I still think of myself as lucky to get away with less than £600. (10yrs NCB on a 330 BMW).
I would have thought that the high cost for the young is one of the reasons that everyone leases cars instread of buying them now. Most employers will sort out a lease for under £250 a month all in. I have no doubt this has led to the explosion in the number of 20 year old nut cases trying to run me off the road every morning as I cycle to work.
My first quote 20yrs ago was over £700 on a Morris marina!! It's hardly a new problem |
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By (user no longer on site)
over a year ago
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"I don't agree that all should be penalised just because most accidents are cause by the young. But then I guess it's difficult to penalised those who do it, as once they've had an accident they may just not bother driving for a while.
But then I question what are we paying insurance for. I've got 6 years no claims, had an accident last year and ended up owing my insurance company money as the premium was more than the cost of the car. The accident wasn't my fault and had been proven, but my renewal almost tripled! In 6 years I've paid thousands, that would cover the cost of my car and more. But instead of seeing that I've paid loads previously instead I'm charged more.
One of my renewal options was to have a black box, personally I don't see anything wrong with them if you're a sensible driver. I've never heard of anyone having a curfew, but again, I guess that's put down to "boy racers" an how they tend to go out and meet in car parks etc.
It's unfortunate people are penalised for something that isn't their fault and I don't agree, but not much we can do about it apart from refuse to pay; which could be why there are so many uninsured drivers.
Most of those "young drivers" that like to gather in "car parks" are for the most part very careful drivers, many of them drive modified cars that they have put a lot of time, money and effort into and it is their pride and joy, me being one of them, I regularly go to car club meets, they are clubs, not a bunch of youths in a car park doing burn outs and terrorising the elderly. Those "boy racer" cars are also some of the most well maintained and road worthy vehicles on the road. I hate this "ugh boy racers" mentality people have when they really have no idea. Being a car enthusiast, not a boy racer, myself I see this flung around a lot. I've spent thousands on my car, the last thing you'll see me and many others like me doing is driving around like a total cock risking all that time, money and effort. The elderly however.. well."
I race bangers, an drive like a total cock on purpose, time and place for it
Car enthusiasts, barrys, boy racers, do it down McDonald's every weekend.
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"I don't agree that all should be penalised just because most accidents are cause by the young. But then I guess it's difficult to penalised those who do it, as once they've had an accident they may just not bother driving for a while.
But then I question what are we paying insurance for. I've got 6 years no claims, had an accident last year and ended up owing my insurance company money as the premium was more than the cost of the car. The accident wasn't my fault and had been proven, but my renewal almost tripled! In 6 years I've paid thousands, that would cover the cost of my car and more. But instead of seeing that I've paid loads previously instead I'm charged more.
One of my renewal options was to have a black box, personally I don't see anything wrong with them if you're a sensible driver. I've never heard of anyone having a curfew, but again, I guess that's put down to "boy racers" an how they tend to go out and meet in car parks etc.
It's unfortunate people are penalised for something that isn't their fault and I don't agree, but not much we can do about it apart from refuse to pay; which could be why there are so many uninsured drivers.
Most of those "young drivers" that like to gather in "car parks" are for the most part very careful drivers, many of them drive modified cars that they have put a lot of time, money and effort into and it is their pride and joy, me being one of them, I regularly go to car club meets, they are clubs, not a bunch of youths in a car park doing burn outs and terrorising the elderly. Those "boy racer" cars are also some of the most well maintained and road worthy vehicles on the road. I hate this "ugh boy racers" mentality people have when they really have no idea. Being a car enthusiast, not a boy racer, myself I see this flung around a lot. I've spent thousands on my car, the last thing you'll see me and many others like me doing is driving around like a total cock risking all that time, money and effort. The elderly however.. well."
Fatal car crashes are 4x more likely to happen at night than day. I doubt it's OAPs driving up those figures, pun intended |
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I work in the insurance industry, I work in commercial insurance so don’t deal with individuals but the principle is still the same. Insurers look at where they pay out most - age groups, postcodes, etc and underwriters will apply higher rates to these areas. As other people have pointed out the increased number of personal injury claims and crash for cash scams makes premiums more expensive. I also think the whole “repair procedure” needs to be looked at, the amount of time taken to carry out repairs, the rates the “approved centres” charge, the hire rate they charge for replacement vechicles etc.
A couple of things that can help with getting cheaper quotes is having a dash cam fitted and also get alternative quotes every year,not all insurers are on price comparison websites so try searching for insurers own sites. |
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"I work in the insurance industry, I work in commercial insurance so don’t deal with individuals but the principle is still the same. Insurers look at where they pay out most - age groups, postcodes, etc and underwriters will apply higher rates to these areas. As other people have pointed out the increased number of personal injury claims and crash for cash scams makes premiums more expensive. I also think the whole “repair procedure” needs to be looked at, the amount of time taken to carry out repairs, the rates the “approved centres” charge, the hire rate they charge for replacement vechicles etc.
A couple of things that can help with getting cheaper quotes is having a dash cam fitted and also get alternative quotes every year,not all insurers are on price comparison websites so try searching for insurers own sites. "
Thavk you |
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By (user no longer on site)
over a year ago
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"I work in the insurance industry, I work in commercial insurance so don’t deal with individuals but the principle is still the same. Insurers look at where they pay out most - age groups, postcodes, etc and underwriters will apply higher rates to these areas. As other people have pointed out the increased number of personal injury claims and crash for cash scams makes premiums more expensive. I also think the whole “repair procedure” needs to be looked at, the amount of time taken to carry out repairs, the rates the “approved centres” charge, the hire rate they charge for replacement vechicles etc.
A couple of things that can help with getting cheaper quotes is having a dash cam fitted and also get alternative quotes every year,not all insurers are on price comparison websites so try searching for insurers own sites. "
Hear, hear! well said, sir. I still find it amazing people don't understand or accept what you wrote!  |
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"My son's aged 22 and 23 both bought their first cars January. One pays £1300 the younger £1400. They both need cars to get to work, they are both good drivers. "
Off to sell a kidney... Our eldest turns 17 next year but has been learning to drive through Young Drivers for many years.
Maybe we should open FabInsurance???
B x |
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I think insurance has completely lost control.
It seems now that if you have an accident they increase your premium to get the money back, and then charge you more cause youre now a higher risk.
So why not just get a loan out when you have a crash and pay it back? Thats basically all it is now, and you have to pay money on top.. |
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By (user no longer on site)
over a year ago
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"I think insurance has completely lost control.
It seems now that if you have an accident they increase your premium to get the money back, and then charge you more cause youre now a higher risk.
So why not just get a loan out when you have a crash and pay it back? Thats basically all it is now, and you have to pay money on top.."
Do you reckon you'd be able to get a loan to pay for the 24/7 care of an innocent person you put in a coma or made paraplegic, possibly running into the millions?
Sorry, bit dark, but insurance is there for a reason. |
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By (user no longer on site)
over a year ago
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"I think insurance has completely lost control.
It seems now that if you have an accident they increase your premium to get the money back, and then charge you more cause youre now a higher risk.
So why not just get a loan out when you have a crash and pay it back? Thats basically all it is now, and you have to pay money on top.."
So many holes in this Proposal I don’t know where to begin, sorry |
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By (user no longer on site)
over a year ago
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Still waiting for my insurance costs to drop significantly!
Bought a 1litre polo for £1500 years ago when I passed my test and paid the same for a years insurance.
Still paying £700 a year at 28, fair enough I now drive a range rover but with 10 years no claims under my belt I'd of thought it would a dropped significantly more.
Not even going to even pretend to understand premiums for young folk but it doesn't look to be changing any time soon unfortunately
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I work with young people, who have recently passed their tests. All car mad.
And the stories I hear of reckless driving by some, but not all of them, shows why insurance premiums are so high and deservedly so. |
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By (user no longer on site)
over a year ago
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"If you can't afford the premiums don't buy the car. The biggest problem is the car-centric society we live in and that owning a car is seen as a right.
Spot on. I asked my sons where it was they wanted to go that was worth paying £2000 p/a to insure a car for. They couldn’t answer. They are now fully independent travelers using rail and cycling. They only use a car as last resort rather than like most people who see it as first resort, the only way, and therefore a ‘right’. "
I'm turning 40 next month and having used public transport all my life decided to sort my head out and pass my test this summer. I commute around 25 miles each way to work and I'm sick of being shafted without lube by twats like Northern Rail who make my daily commute a living hell. Not driving affects my life completely (and stupidly or not) it does affect things like your love life as many women won't even consider dating a non-driver.
Most people that have driven since the age of 18 have no perspective of having to live without their car. I certainly do but it's time I joined the masses... if only to get 2 hours of my life back every day and not have to rely on our pisstake of a public transport system.
Btw, if anyone thinks young drivers have it tough they should see the quotes I've had! Minimum £2k for a 1 litre Toyota Yaris that is £650 on Autotrader. So looking at some of the quotes the young 'uns are getting I think I've well and truly got the shitty end of the stick! |
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By (user no longer on site)
over a year ago
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"I think insurance has completely lost control.
It seems now that if you have an accident they increase your premium to get the money back, and then charge you more cause youre now a higher risk.
So why not just get a loan out when you have a crash and pay it back? Thats basically all it is now, and you have to pay money on top.."
Yeah, this won't work. The minor issue of third party claims potentially going into hundreds of thousands especially following recent changes to legislation which have increased payments under motor policies amongst others, is just one reason.
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By (user no longer on site)
over a year ago
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"Paid god knows how many thousands into insurance over the years and never seen a penny back, it's a fucking racket designed to take money of people....it's just dead money. Paid out never to be seen again
I disagree with the comment dead money.
We had a policyholder aged 24. Had an accident. His fault. Killed him self. Insured his passenger badly and killed the others in the other car. The amount set aside to pay out on the claim is over £5million. "
My basc insurance covers me for up to I think 5million, the annual rate is an absolute pittance compared to the car.
Car insurance raype you up the arse with no Vaseline. |
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By (user no longer on site)
over a year ago
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I agree that young drivers are suffering with huge premiums. Dont forget that the goverment have increased the tax on premiums from 6% to 12% in just 2 years. All insurances have factors that influence premiums and unfortunately young drivers are rated higher as insurance statistics indicate a higher probability of them being involved in a claim.
For those who think they get short changed or premiums are dead money, your insurer could potentially pay out up to £20m for a third party property claim. Injury claims are unlimited. Want to take the risk of being uninsured?
For young drivers, its not easy, but getting the first year done with no claims on a low risk car helps in the long run. |
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"If you can't afford the premiums don't buy the car. The biggest problem is the car-centric society we live in and that owning a car is seen as a right.
Spot on. I asked my sons where it was they wanted to go that was worth paying £2000 p/a to insure a car for. They couldn’t answer. They are now fully independent travelers using rail and cycling. They only use a car as last resort rather than like most people who see it as first resort, the only way, and therefore a ‘right’.
I'm turning 40 next month and having used public transport all my life decided to sort my head out and pass my test this summer. I commute around 25 miles each way to work and I'm sick of being shafted without lube by twats like Northern Rail who make my daily commute a living hell. Not driving affects my life completely (and stupidly or not) it does affect things like your love life as many women won't even consider dating a non-driver.
Most people that have driven since the age of 18 have no perspective of having to live without their car. I certainly do but it's time I joined the masses... if only to get 2 hours of my life back every day and not have to rely on our pisstake of a public transport system.
Btw, if anyone thinks young drivers have it tough they should see the quotes I've had! Minimum £2k for a 1 litre Toyota Yaris that is £650 on Autotrader. So looking at some of the quotes the young 'uns are getting I think I've well and truly got the shitty end of the stick! "
I agree whole heartedly.
I passed my test in May, 12 days before my 42nd birthday. My policy only went up by 200 quid for what I had been paying to drive my car on L plates.
Come renewal time six months on and every other insurer, apart from the one I’m already using, now disregards the year of no claims built up in that car or the 3 years of no claims I have for my Vespa. I’ve suddenly turned into a bigger risk than the 18 year old boy racer who lives down the the road |
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I've not long been driving either. It is a game changer in terms of getting places much quicker. My insurance wasn't that bad to be honest though, 800 quid in the first year, then it went down to about 450. |
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