Insurance!!!!

[Bordtea]

Feel like a bit of a rant...

Im 18 and been driving for 7-8 months insurance ran out as it was a short term thing, been looking for proper 12 month quotes on my Megane Coupe 1.6... £2500!! at current, yet the second I've held my license for a year it drops down by 1100 to £1400! How f*cking illogical is that? You could get someone who passes their test, doesnt touch a wheel for a year and then hops back in after a year and gets their premium £1100 cheaper than me who's been driving accident free for around 8 months! Utter joke!

Rant over -__-

[Jimmy No Hands]

2/10


my gran swears more than that

[Vulgar LS2]

I relly feel for you youngsters, the bds charged me £87 fully comp and including legal cover for 12 months on my new car.

[wicz]

it is an utter joke. Doesn't matter what you drive, at 17 your insurance will be £2000+

My insurance is only becoming bearable now at 20 with 3 years no claims, still £700 on a 1.4 MINI.
Not much you can do other than pass plus other than grow a bit older and not crash

[Oxhead]

Insurance companies have got the young driver by the balls, try adding your parents. Putting my mum and dad on my insurance as named drivers dropped it by around £400 quid, even though they will never actually drive the car! It's ridiculous!

[Bordtea]

Yep whacked on both parents and even my nan (the latter dropped it by 13 quid ha ha ha..)

Suppose the car being a 1.6 doesn't help but changing to a stty 1L corsa only drops it by like 200 quid. Looks like my only option is let my license get mouldy...

[okie592]

its stupid! im at the stage where i want something a little more powerful

1.8t leon curpa, £4500
1.4tsi new ibiza fr £400
2.0tdi FR £1400 with the same power as the petrol!
1.2tsi £1300

ridiciolous, everything i look at is £4000, now i can either chose a lovely car like a 1.6 astra diesel or for £300 less i can insure a 225bhp focus st

[xreyuk]

To be fair, it makes quite a difference for the age.

I'm 21, have 6 points (Mar 2010, Jul 2010), 2 crashes last year (1 50/50, 1 non-fault so 0NCB) and I paid £1800 this year on a 1.6TDI.

Out of interest I put the 3 years NCB in, and it was still only £400 cheaper. Not that much considering the price of the insurance to begin with.

[whoami]

xreyuk said:

I'm 21, have 6 points (Mar 2010, Jul 2010), 2 crashes last year...

I wonder why young people have such high insurance premiums?

[wicz]

whoami said:

I wonder why young people have such high insurance premiums?

completely his fault!

[Fox-]

Bordtea said:

the second I've held my license for a year it drops down by 1100 to £1400! How f*cking illogical is that?

Seems pretty logical to me?

[Cemesis]

Whilst I'm not a fan of huge insurance premiums, you learn alot in the first year of driving and thus you should be happy that they will give you such a large discount. I presume you want 8/12ths of the discount for driving for 8 months but obviously it doesn't work like that, in the same way that you can't take out a policy for 30 days and get 8% off the premium at the end.

[Bordtea]

Fox- said:

Seems pretty logical to me?

So someone could have not driven a car at all for a year and have a cheaper quote than someone whos been driving for say 11 months accident free, but his license isnt a year old yet? Complete bks

[wolf1]

Did you forget to factor in that you would have a years no claims.

[Fox-]

Bordtea said:

So someone could have not driven a car at all for a year and have a cheaper quote than someone whos been driving for say 11 months accident free, but his license isnt a year old yet? Complete bks

Have to draw the line somewhere surely? Generally speaking the first year after passing your test is the most risky.

[Bordtea]

wolf1 said:

Did you forget to factor in that you would have a years no claims.

My point was that someone could have not been driving at all for a year, had no policy or anything so wouldn't have any no claims, but would have a cheaper quote than myself.

[Fox-]

Bordtea said:

My point was that someone could have not been driving at all for a year, had no policy or anything so wouldn't have any no claims, but would have a cheaper quote than myself.

They've no way of knowing whether they've driven or not though.

[Bordtea]

Fox- said:

Have to draw the line somewhere surely? Generally speaking the first year after passing your test is the most risky.

Yeh, I could understand it if they asked for proof that you had been doing at least some driving during that year, but they don't. I know alot of people who pass their tests and dont bother driving cos it's too expensive. If anything it's more risky as they won't be 'fresh' as such :/

[Bordtea]

Fox- said:

They've now way of knowing whether they've driven or not though.

Surely they could ask for copies of old insurance documents? That would at least help, may not necessarily have been driving but who takes out an expensive policy and not drive at all?

[Fox-]

Bordtea said:

Surely they could ask for copies of old insurance documents?

What right do they have to do that? Its not even worth the bother is it, you don't need to be on a certificate of motor insurance to have driven a car anyway?

It's far easier to say generally people who have not been driving a year are more risky and charge accordingly than it is to send the thought police round to see if you've driven or not.