18 Year Old - BMW Insurance
Discussion
rj1986 said:
But it is a big heavy car that can
a) Do a lot of damage if it hit something
b) Cost a fortune to get fixed
c) look very tempting to a thief (as per the 48 page BMW getting nicked thread)
Buta) Do a lot of damage if it hit something
b) Cost a fortune to get fixed
c) look very tempting to a thief (as per the 48 page BMW getting nicked thread)
d) will have ESP or whatever it's called and f
k loads of other nanny state safety devicesADM06 said:
But
d) will have ESP or whatever it's called and fk loads of other nanny state safety devices
Didn't stop me flinging my 5 Series into a hedge 2 months after buying it when I was 22 because I thought I was an amazing driver because I had a 3 litre BMW. DSC cannot defy the laws of physics. It helps but inexperience, ego and a massively overinflated sense of your own ability can defeat it quite easily.d) will have ESP or whatever it's called and f
k loads of other nanny state safety devicesI'd suggest odds of no better than 50/50 that an 18 year old in a 200bhp 5 Series doesn't end in tears.
Oh, as an aside, I bought said 5 Series at Uni. I can confirm that nobody is really at all bothered what sort of car you drive and girls were no more or less impressed with it than they were with my previous car, a '99 Mondeo with leather seats (Which everyone thought was posh despite the fact it wsa, well, a Mk2 Mondeo!). Not that I'm at all sure why you'd want the sort of girl who would be attracted to you if you drive a saloon car but not attracted to if you didn't. I mean its hardly the massive expression of wealth that turning up in a Ferrari 458 would be, is it?
Edited by Fox- on Tuesday 19th June 18:13
I uses http://www.csis.co.uk/car-insurance/ phone up dont uses online as you cant pay monthly online! I dont pay anything extra for monthly payments. You dont need to be a civil servant and it will be with RSA.
Good luck!
Good luck!
Fox- said:
Didn't stop me flinging my 5 Series into a hedge 2 months after buying it when I was 22 because I thought I was an amazing driver because I had a 3 litre BMW. DSC cannot defy the laws of physics. It helps but inexperience, ego and a massively overinflated sense of your own ability can defeat it quite easily.
I'd suggest odds of no better than 50/50 that an 18 year old in a 200bhp 5 Series doesn't end in tears.
Oh, as an aside, I bought said 5 Series at Uni. I can confirm that nobody is really at all bothered what sort of car you drive and girls were no more or less impressed with it than they were with my previous car, a '99 Mondeo with leather seats (Which everyone thought was posh despite the fact it wsa, well, a Mk2 Mondeo!). Not that I'm at all sure why you'd want the sort of girl who would be attracted to you if you drive a saloon car but not attracted to if you didn't. I mean its hardly the massive expression of wealth that turning up in a Ferrari 458 would be, is it?
Never flung my 328 into any hedges, or indeed close. I enjoyed that car for three years from the age of 19 then sold it to a friend who also hadn't crashed it. That car had no patronistech either, and I'd rather drive that car in the pouring rain than your typical teenagers hatch on ling longs.I'd suggest odds of no better than 50/50 that an 18 year old in a 200bhp 5 Series doesn't end in tears.
Oh, as an aside, I bought said 5 Series at Uni. I can confirm that nobody is really at all bothered what sort of car you drive and girls were no more or less impressed with it than they were with my previous car, a '99 Mondeo with leather seats (Which everyone thought was posh despite the fact it wsa, well, a Mk2 Mondeo!). Not that I'm at all sure why you'd want the sort of girl who would be attracted to you if you drive a saloon car but not attracted to if you didn't. I mean its hardly the massive expression of wealth that turning up in a Ferrari 458 would be, is it?
Edited by Fox- on Tuesday 19th June 18:13
Riknos said:
McHaggis said:
If its any help, 17/18/19 year old girls don't care what car you are driving, it has no influence on your ability to get laid....
Spend your cash on something cool AND insurable (plenty choose from), cool holidays, track days, karting and nights out.
Trust me.
This, especially the first line. Hell, 25 year old women don't care what car you drive either, it has no influence on your ability to get laid...Spend your cash on something cool AND insurable (plenty choose from), cool holidays, track days, karting and nights out.
Trust me.
Back to the 5 series, this blows the theory spoken about on the insurance threads that maybe something not typical of a 18 year old driver would be cheaper to insure than a Corsa/Saxo/Nova/Fiesta.
To think that when I passed my test in 1982, the next day I was given a courier van and earned my living speeding around London, also driving Transits, Lutons and the odd up to 7.5 tonners. Bet no company could insure a youngster doing that today. I was 20 years old.
I owned a car, my own van and usually had 3 motorcycles up to 900cc, all insured for hire and reward, living in London and I don't remember the cost of insurance ever being a worry.
Now at 50 I worry about it all the time.
ADM06 said:
Never flung my 328 into any hedges, or indeed close. I enjoyed that car for three years from the age of 19 then sold it to a friend who also hadn't crashed it. That car had no patronistech either, and I'd rather drive that car in the pouring rain than your typical teenagers hatch on ling longs.
I guarantee you had some moments in it though. Sometimes when you overstep your ability its down to luck whether it ends in tears or not.Fox- said:
I guarantee you had some moments in it though. Sometimes when you overstep your ability its down to luck whether it ends in tears or not.
The day after I bought it was a very wet Sunday. On a quiet stretch of dual carriageway I thought to myself "I'd better see what RWD + power is like whilst nobody is about." I gave the car a boot of throttle coming off a roundabout and spent the next 100 yards trying to catch the back which was swinging like a pendulum. I did catch it and was well introduced to the car, and why the previous owner should have spent more than £30 a corner. Had I actually spun at the 20 - 30mph I was going I wouldn't have hit anything.The traction control wouldn't even let you boot the throttle like that.
ADM06 said:
Never flung my 328 into any hedges, or indeed close. I enjoyed that car for three years from the age of 19 then sold it to a friend who also hadn't crashed it. That car had no patronistech either, and I'd rather drive that car in the pouring rain than your typical teenagers hatch on ling longs.
Indeed, having a brain generally helps.I never crashed mine once, although mine was a diesel automatic if that matters, it literally requires common sense that's all.
Has the OP said what trade he is in? Some trades mean you are able to get a traders policy.
I've had one since I was 17. Cost me £2800 for the first year, and is now costing me £1100 at 20. It allows me to add up to ten cars for personal or business use, I'm covered to drive other cars and can insure any car for myself providing it's not a car valued at over £100k.
Might wanna look into it OP. I was rolling around in an Escort RS Turbo at 17, and have had many more since then. EK9 CTR, DC2 ITR, E36 M3, Mondeo ST220...Thats just a few. All of which would be uninsurable on a standard policy.
I've had one since I was 17. Cost me £2800 for the first year, and is now costing me £1100 at 20. It allows me to add up to ten cars for personal or business use, I'm covered to drive other cars and can insure any car for myself providing it's not a car valued at over £100k.
Might wanna look into it OP. I was rolling around in an Escort RS Turbo at 17, and have had many more since then. EK9 CTR, DC2 ITR, E36 M3, Mondeo ST220...Thats just a few. All of which would be uninsurable on a standard policy.
Triumph Man said:
mercfunder said:
J4CKO said:
Not sure what the rush is at the tender age of 18 to join the ranks of middle aged, middle managers,
That's what I thought, what goes on in a young lads' head when a diesel 5 series becomes an aspirational product...strange.mercfunder said:
Triumph Man said:
mercfunder said:
J4CKO said:
Not sure what the rush is at the tender age of 18 to join the ranks of middle aged, middle managers,
That's what I thought, what goes on in a young lads' head when a diesel 5 series becomes an aspirational product...strange.Robb F said:
mercfunder said:
Triumph Man said:
mercfunder said:
J4CKO said:
Not sure what the rush is at the tender age of 18 to join the ranks of middle aged, middle managers,
That's what I thought, what goes on in a young lads' head when a diesel 5 series becomes an aspirational product...strange.
NateWM said:
Has the OP said what trade he is in? Some trades mean you are able to get a traders policy.
I've had one since I was 17. Cost me £2800 for the first year, and is now costing me £1100 at 20. It allows me to add up to ten cars for personal or business use, I'm covered to drive other cars and can insure any car for myself providing it's not a car valued at over £100k.
Might wanna look into it OP. I was rolling around in an Escort RS Turbo at 17, and have had many more since then. EK9 CTR, DC2 ITR, E36 M3, Mondeo ST220...Thats just a few. All of which would be uninsurable on a standard policy.
Who are you insured with? I've looked every single year for a trader policy since passing my test and I managed to get refused by all of the big names, bar one, who quoted me £7,5000 with a 2.5L N/A limit despite me telling them that I'd specialise in larger engined vehicles. If I could get an un restricted trader's policy now at 21 I'd start trading full time tomorrow. Unfortunately it looks like I'll be waiting until I'm 25 I've had one since I was 17. Cost me £2800 for the first year, and is now costing me £1100 at 20. It allows me to add up to ten cars for personal or business use, I'm covered to drive other cars and can insure any car for myself providing it's not a car valued at over £100k.
Might wanna look into it OP. I was rolling around in an Escort RS Turbo at 17, and have had many more since then. EK9 CTR, DC2 ITR, E36 M3, Mondeo ST220...Thats just a few. All of which would be uninsurable on a standard policy.
.279 said:
NateWM said:
Has the OP said what trade he is in? Some trades mean you are able to get a traders policy.
I've had one since I was 17. Cost me £2800 for the first year, and is now costing me £1100 at 20. It allows me to add up to ten cars for personal or business use, I'm covered to drive other cars and can insure any car for myself providing it's not a car valued at over £100k.
Might wanna look into it OP. I was rolling around in an Escort RS Turbo at 17, and have had many more since then. EK9 CTR, DC2 ITR, E36 M3, Mondeo ST220...Thats just a few. All of which would be uninsurable on a standard policy.
Who are you insured with? I've looked every single year for a trader policy since passing my test and I managed to get refused by all of the big names, bar one, who quoted me £7,5000 with a 2.5L N/A limit despite me telling them that I'd specialise in larger engined vehicles. If I could get an un restricted trader's policy now at 21 I'd start trading full time tomorrow. Unfortunately it looks like I'll be waiting until I'm 25 I've had one since I was 17. Cost me £2800 for the first year, and is now costing me £1100 at 20. It allows me to add up to ten cars for personal or business use, I'm covered to drive other cars and can insure any car for myself providing it's not a car valued at over £100k.
Might wanna look into it OP. I was rolling around in an Escort RS Turbo at 17, and have had many more since then. EK9 CTR, DC2 ITR, E36 M3, Mondeo ST220...Thats just a few. All of which would be uninsurable on a standard policy.
.Insurance is rip of at the moment. I'm 25 been driving 6 years 3 year NCB never had a crash. Have three points drive a 05 BMW 318 M sport and the insurance I 1600. have had the car 2 month and the insurance on my old car a 56 1.2 grande punto was over a grand.
I agree that owning a car at that age will be great but insurance cost is just money you will be throwing away. You'll look back in a couple year and think if only I hadn't wasted all that money I could buy this or that.
drive a 05 BMW 318 M sport and the insurance I 1600. have had the car 2 month and the insurance on my old car a 56 1.2 grande punto was over a grand.I agree that owning a car at that age will be great but insurance cost is just money you will be throwing away. You'll look back in a couple year and think if only I hadn't wasted all that money I could buy this or that.
StottyZr said:
All the traders policies I've looked at state you need to be 23 and above and even then they impose limitations. I thought the only way would be to front it and have the policy in an older relatives name with you addition driver.
This is correct as far as I know there are no trader policy's available for youths (as policy holder), never have been and unlikely to ever be any due to the risk.Gassing Station | General Gassing | Top of Page | What's New | My Stuff