Insurance for a 17 year old, just passed his test. £4,000+
Discussion
blugnu said:
I'm sure those with 17 year old kids have thought of this, but is it any cheaper to insure a vehicle like an old van (thinking of a Berlingo-style thing) or a camper van (like one of those Bedford Rascal things?)
I don't deal with our van side of the business but I've heard on the grapevines and generally from customers that van insurance is quite expensive?WanThyme said:
S2Mike said:
Well, since my last post I see the evidence for upping the insurance on young drivers has been confirmed.
What we need to do is sort the liabilities from the reliable ones, easy to say very difficult to do.
Inexperience and attitude is dangerous in the wrong hands, so they pay more.
Now before everyone has a go at me, I offer the chance of finding more reasonable premiums.
Most insurance companies( I believe ) work out the rates by percentages of vehicle make/models in existance and the percentage of them that have been the subject of a claim, along with the areas the claims were made in.
.
Suprisingly, my 17 year old lad has found a Ford Focus 1.4 from 2000 is a better option than most.
Ford Focus built in the millions, but not such a huge number (as a percentage) involved in claims, he can get, as a provisional driver, cover for £960 from Collingwood, that rises to £1200 when he passes.
His calculations not mine.
I now await the rush of 17 year olds buying Focus>>>...I am not affiliated to Ford Motor Company in any way!
Oooopsss....What we need to do is sort the liabilities from the reliable ones, easy to say very difficult to do.
Inexperience and attitude is dangerous in the wrong hands, so they pay more.
Now before everyone has a go at me, I offer the chance of finding more reasonable premiums.
Most insurance companies( I believe ) work out the rates by percentages of vehicle make/models in existance and the percentage of them that have been the subject of a claim, along with the areas the claims were made in.
.
Suprisingly, my 17 year old lad has found a Ford Focus 1.4 from 2000 is a better option than most.
Ford Focus built in the millions, but not such a huge number (as a percentage) involved in claims, he can get, as a provisional driver, cover for £960 from Collingwood, that rises to £1200 when he passes.
His calculations not mine.
I now await the rush of 17 year olds buying Focus>>>...I am not affiliated to Ford Motor Company in any way!
Collingwood explicitly do not insure policyholders who hold Full UK licenses.
Upon qualification, the insurance ceases.
I think that might be a little porkie on his behalf and a big bill with another insurer when he passes.
Expect £2-3k at a guess
currybum said:
StottyZr said:
trying to drift my car around a wet corner 
Which is why you pay so much for insurence, "Its good to see accurate quoting on PH. The context changes somewhat if you cut off the proceeding 3 words.
My insurance is cheap btw
ZOLLAR said:
I don't deal with our van side of the business but I've heard on the grapevines and generally from customers that van insurance is quite expensive?
I've heard of people thinking that a van would be an ideal cheap fishing mobile - only to drop the idea when they got insurance quotes.currybum said:
StottyZr said:
"before deciding against trying to drift my car around a wet corner "
Its good to see accurate quoting on PH. The context changes somewhat if you cut off the proceeding 3 words.
In this case the quoting doesn’t really change the context that much."Its good to see accurate quoting on PH. The context changes somewhat if you cut off the proceeding 3 words.
That fact that you are the sort of driver that would even considering drifting around a corner in the wet, regardless of if you eventually decided against it, is evidence enough that you are more likely to crash. Thus should be paying more in insurance.
Of course you were probably talking about your own private drift hero test track….In which case my comment is inaccurate. But I doubt it.
Please, tell me more.I was just peeved that selectively quoted me to say "trying to drift my car around a wet corner
" making it sound like I have actually been drifting around 
when the prior three words clearly stated the opposite.But thanks for explaining how insurance risk is calculated and the lecture for thinking things through and deciding against doing them
Try ringing Sky:
http://www.skyinsurance.co.uk/
I'm not 17 but in my early 20s and they've been insuring me for 2 years on some cars that would have cost me silly amounts through mainstream insurers. MR2, 325i and 9-3 Aero cost me around £800/year.
They specialise in Japanese cars, and if you join the owner's club they'll offer a good discount (when I first rang them for a quote for my MR2 he told me he would put down that I was part of the owner's club and that I should join when I put the phone down, simply signing up to a forus saved around £200.) Plus you get great personal service, there's a good chance you'll speak to the same person as you did last time when you ring, or can ask for them by name.
http://www.skyinsurance.co.uk/
I'm not 17 but in my early 20s and they've been insuring me for 2 years on some cars that would have cost me silly amounts through mainstream insurers. MR2, 325i and 9-3 Aero cost me around £800/year.
They specialise in Japanese cars, and if you join the owner's club they'll offer a good discount (when I first rang them for a quote for my MR2 he told me he would put down that I was part of the owner's club and that I should join when I put the phone down, simply signing up to a forus saved around £200.) Plus you get great personal service, there's a good chance you'll speak to the same person as you did last time when you ring, or can ask for them by name.
Why dont they include some incentives not to crash, say a refund of a percentage of the premium at the end of the year, charge say the two or three grand but give the driver a grand off next years premium or cash back, that would focus the mind, people respond very well when cold hard cash is involved.
currybum said:
That fact that you are the sort of driver that would even considering drifting around a corner in the wet, regardless of if you eventually decided against it, is evidence enough that you are more likely to crash. Thus should be paying more in insurance.
Now I don't think that's entirely objective. There is no data to show that accidents are caused by aggressive or flamboyant driving as opposed to timid or inattentive driving. I would say more accidents are caused by drivers who lack confidence getting flustered and reacting badly, changing lanes too quickly and/or without matching speed to traffic in the target lane, not practising proper observation, hesitating at the wrong time, seeing oncoming traffic too late..But hey, if it makes you feel good to go around spewing your holier-than-thou bull.. I don't imagine I'm going to change your mind.
currybum said:
StottyZr said:
You've worked out a 21year old is high risk Please, tell me more
I worked out, based on your post that you are a higher risk, not because you are 21 necessarily, but because when you see a corner in the wet your first thought is “should I try and slide my diesel 1-series around it” rather than “it’s wet, I have less grip/more chance slipping, I’ll slow down and go around the corner safely”. Please, tell me moreBeing 21 may make that sort of thinking more likely, so a correlation between age and wanting to slide your car on the public road may be relevant.
StottyZr said:
I was just peeved that selectively quoted me to say "trying to drift my car around a wet corner " making it sound like I have actually been drifting around when the prior three words clearly stated the opposite.
The fact that you chose not to that time is largely irrelevant. It's the fact that you thought that at all that indicates you would be a higher insurance risk." making it sound like I have actually been drifting around when the prior three words clearly stated the opposite.Again, in the future please don't quote comments missing off the negative at the beginning of the sentence, it changes the meaning to be the exact opposite.
currybum said:
StottyZr said:
Again, in the future please don't quote comments missing off the negative at the beginning of the sentence, it changes the meaning to be the exact opposite.
The quoting made no difference to my comment.I suggested that, someone who’s first thought when approaching a corner in the wet was whether or not to try and drift is more likely to crash than someone who firs though is how to go around the corner safely.
So it doesn’t matter if you actually tried to drift or not, it was the attitude to driving that was the relevant risk factor.
Stottyzr said:
trying to drift my car around a wet corner
The meaning has been changed as you removed the negative prior to this comment. This is what I have a problem with. Can you not see things from somebody else' point of view?I think I'll make this my last post on this dicussion, it got pretty embarrasing for the both of us around 3 posts ago.
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