Insurance for a 17 year old, just passed his test. £4,000+
Discussion
SystemParanoia said:
otolith said:
SystemParanoia said:
of course the roads are going to be safe if nobody can afford to drive their car.. the streets are all bloody empty!
Yes, that is part of the explanation - the highest risk drivers get priced off the roads. Is that a bad thing?
only the financially challenged poor drivers get priced off the road..
the ones that act like a
with daddy's money will just have more space and freedom to be sPeople seem to forget that.
If you can't afford it, you can't do it.
If you don't have the skills to pass a test, you can't do it.
SystemParanoia said:
otolith said:
SystemParanoia said:
of course the roads are going to be safe if nobody can afford to drive their car.. the streets are all bloody empty!
Yes, that is part of the explanation - the highest risk drivers get priced off the roads. Is that a bad thing?only the financially challenged poor drivers get priced off the road..
the ones that act like a
with daddy's money will just have more space and freedom to be sHammy13 said:
Mike Oxbig said:
People who have just passed their test, don't deserve cheap insurance.... Statistics back me up on this point of view
I appreciate that, but 4000 on a 900 quid car? Taking advantage a little bit don't you think?C
Hammy13 said:
I appreciate that, but 4000 on a 900 quid car? Taking advantage a little bit don't you think?
Bear in mind that, if they are being ripped off, it's benefiting (us) older drivers. 
Colleagues in Europe are amazed by how cheap my insurance is (£250 for a Merc, £100 excess, Class 1 biz use). Our man in Germany is paying €1000 for his 520d. But I think anyone can drive it although I'm not sure if there are age etc restrictions.
Deva Link said:
Bear in mind that, if they are being ripped off, it's benefiting (us) older drivers.
Colleagues in Europe are amazed by how cheap my insurance is (£250 for a Merc, £100 excess, Class 1 biz use). Our man in Germany is paying €1000 for his 520d. But I think anyone can drive it although I'm not sure if there are age etc restrictions.
Indeed.Colleagues in Europe are amazed by how cheap my insurance is (£250 for a Merc, £100 excess, Class 1 biz use). Our man in Germany is paying €1000 for his 520d. But I think anyone can drive it although I'm not sure if there are age etc restrictions.
Try asking about insurance prices in Northern Ireland!
NinjaPower said:
Indeed.
Try asking about insurance prices in Northern Ireland!
Please don't Try asking about insurance prices in Northern Ireland!
£1250 at 20, tpft 1.6 focus. And that was simply good luck (strangely low insurance on a focus, try it!).
I passed my test 1st april 2010, 9 months driving experience, 3 months named driver, and the prices were, just silly. Had to remain a named driver for the summer, then I went off to uni, getting insured part time over the holidays. Decided this april that it was time to get my own car, so over 2 years of license before I even tried. Most of the local brokers were looking £2500-£3000 for the year, but elephant/admiral were £1200-£1300 ish, depending on the details. I wasn't sure that everything was kosher, so I got my mate who works for Abbey (local broker) to double check everything, and it was. Which really astounded him, because the best he could do was £2800, with mates rates!!!
Had a quick play with the boxes on the meerkat sight, and I'm expecting £950-£1000 ish for the second year, fully comp.
Oh, and if I'd said I lived at my student house in Stafford, the first year would have been £200 ish LOWER!
Money grabbing scum, as if a car parked on a private driveway, down a lane, in the middle of nowhere is at higher risk than student central Stafford!
NinjaPower said:
Driving a car on a public road is not a right. It is a privilege.
People seem to forget that.
If you can't afford it, you can't do it.
If you don't have the skills to pass a test, you can't do it.
Great in theory, but out in the country not having a car forces you out of work. I've lost count of the number of times potential employers have turned me down because I don't have a car. Out here most employers stipulate that you must have personal transport and won't count pushbikes if you don't live close by.People seem to forget that.
If you can't afford it, you can't do it.
If you don't have the skills to pass a test, you can't do it.
As a result I will have a couple of hundred pounds headroom in my university funds when I go away in October and will be a couple of grand short next year unless I can halve my accomodation costs. It's gutting because there are plenty of summer jobs available within ten miles of me, but no employer will consider me because I can't afford to drive and they don't consider a pushbike to be good enough as personal transport. It's that bad that the only way I can see myself remaining solvent through university is if I can get in to the UOTC, because my job prospects in the current market are nil.
NinjaPower said:
Driving a car on a public road is not a right. It is a privilege.
People seem to forget that.
If you can't afford it, you can't do it.
If you don't have the skills to pass a test, you can't do it.
Its not a privilege at all, it could almost be considered a modern neccesitiy, especially with the job situation and the fact people have to look further for work. Added to the expense of public transport and innacessability of some small villages/rural areas for some its a damn lifeline.People seem to forget that.
If you can't afford it, you can't do it.
If you don't have the skills to pass a test, you can't do it.
RegMolehusband said:
98elise said:
Young male drivers need to stop crashing so much. Thats whats driving their premiums up. My premiums haven't change much rear on year for the past 15 years because I'm in a lower risk group.
Are they really crashing THAT much? Is every 17-18 year old doing £4000+ worth of damage to their or somebody else's car every year? Or is the insurance industry just raking it in?Its a competetive market, so if they were a big cash cow then someone would have set up a specialist young drivers insurance company to cash in on that market, and ignore then other less profitable groups.
98elise said:
RegMolehusband said:
98elise said:
Young male drivers need to stop crashing so much. Thats whats driving their premiums up. My premiums haven't change much rear on year for the past 15 years because I'm in a lower risk group.
Are they really crashing THAT much? Is every 17-18 year old doing £4000+ worth of damage to their or somebody else's car every year? Or is the insurance industry just raking it in?Its a competetive market, so if they were a big cash cow then someone would have set up a specialist young drivers insurance company to cash in on that market, and ignore then other less profitable groups.
Quinnaay said:
98elise said:
RegMolehusband said:
98elise said:
Young male drivers need to stop crashing so much. Thats whats driving their premiums up. My premiums haven't change much rear on year for the past 15 years because I'm in a lower risk group.
Are they really crashing THAT much? Is every 17-18 year old doing £4000+ worth of damage to their or somebody else's car every year? Or is the insurance industry just raking it in?Its a competetive market, so if they were a big cash cow then someone would have set up a specialist young drivers insurance company to cash in on that market, and ignore then other less profitable groups.
ge0rge said:
I dont feel sorry for them at all, call me a harsh bastid but at the end of the day theres enough drivers on the roads and having a car is a luxury not a necessity.
Not harsh, just a selfish tool. Cars are luxurys agreed but insurance fobbing people off isn't and stops people having there luxurys.ZOLLAR said:
But you as an individual aren't representative of your age group, there is no presumption about it but there is 30+ years of statistical data supporting the insurers.
Yes, i understand that but how can people not see that £4000 to insurance a £500 car is wrong? It should cost more than a driver with more experience but not to that degree, and everyone is being treated like they all go drag racing its ludacris. OAPS are almost as bad as young drivers in my opinion.Gassing Station | General Gassing | Top of Page | What's New | My Stuff