I need to go back in time!- Insurance company stupidity!

[Or888t]

I'm fuming! (With myself, and the stupid insurance companies).
Here is the deal; - sorry it's so dame long!
I'm 20
I haven’t got a driving licence. (Although I have done all my lessons, twice! –with a 10month gap after running out of money , and again similarly up until now, about another 6month gap, since stopping once again). Because I’m a total fkin stupid spaz!

I am currently in the 2nd year of university, and with a bit lot of luck, I will be doing year on placement. (Work for 36week – 12 month, before going on to do the final year at university).
My plan was always to get a car to use, and commute with during the placement year…

Now for over 2 years now, the idea was to always get a 306…
Now I haven’t looked at quotes for a long time now, so just then, i got a few quotes-knowing I’ll have to pay around £2000, but with my age, and with insurance prices going up further again recently, I was wondering how much more or less than that, it would be- as i havent got any quotes for quite some time now.


So, I merticulessly type in the details for my perfect 306, a 3dr 1.8 ‘xs’.
To my horror the cheapest quote has now shy rocketed, to a scarcely unbelievable £5200!
After I while with my mouth wide open, I add my mother as a named driver, it makes little or no difference- about £50!

I then decide to look at ’more insurable’ 306’s, and to my dismay it’s the same story!
dturbo-£4600
dtubro hdi-£4800
1.4- about- £3700

&
(£6000 for the xsi and £7500 for the gti-6!)


So I then think why on earth the quotes have gone up so much…
I then amend the initial quote as if I was 17 not 20, and it shoots up to a astonishing £14,500!
That shows that my age is actually beneficial after all!

I then amend the “how long have you held your licence for” option from “less than a month”, to
2 years, and 2 months. (Which would mean I passed my test shortly after my 18th birthday).
…
AND SUDDENLY! The quote plummeted!
To the initially expected £2000!
(That I have accepted it would cost, for months and month, and years, in fact).

So why, why is this?! How is someone who passed there test 2 years ago and have not drove since their test day- and would have forgot many of the safety principles they learnt- by the time they decide to buy their 1st car 2 years on at age 20; be more of a risk than someone who have passed their test at age 20, then bought a car to drive shortly after passing!
How does passing the driving test exam, years ago, and potentially not driving what so ever for several years, make a stupidly enormous difference in quote price; compared to someone the same age who has held a valid full driving licence for months instead of years, when they have the same fking driving experience! –albeit more fresh in their mind! !

Reeallly need to go back in time and save myself over 3 grand, if the insurance companies are actually serious with this stupid ill-thought out bureaucratic bullst!

[Oldandslow]

2years driving experience versus none. Seems simple enough to me.

[greygoose]

Oldandslow said:

2years driving experience versus none. Seems simple enough to me.

Indeed, simples.

• hates self for using that word

[Or888t]

That’s the thing though...
It would make perfect sense if it was "Two years driving experience". And in a reasonable number of cases, this is the case, a person may have had their driving licence 2 years, and been driving a car for two years.
But in a lot of cases now, with insurance being so high, people pass their test young, say at collage, then; in the 1st 3-4- 5 years of holding their licence, have say 12month, 2 year actual "driving experience", owning driving insuring etc, a car.



So the "how long have you held your licence for" question for very young drivers, does not have much correlation to have it's actually trying to find out, in many cases.

Especially in my case...

[Monochrome]

Fook paying that mate. Get a bike licence.

[phumy]

Monochrome said:

Fook paying that mate. Get a bike licence.

Even cheaper...get a bike, a push bike.

[garrykiller]

That's life! Everyone has to pay high insurance to start with. Most of ur insurance problem is that ur a 20 year old lad and your are a student.
Try changing your job or where you leave your car over night I.e. Not on a street corner in the city centre.

[JonyTVR]

personaly I don't know anyone who passed their test when I was at school 5years ago and DIDN'T drive afterwards, so is say the vast majority would have built up some experience, and no matter how many lessons you have, you don't start learning to drive properly until you've passed and you are sat there on your Todd in the drivers seat.

[Wax1234]

When did the 306 xs become a 1.8? Mine was a 1.6.

[JonyTVR]

oh and my only advice to get cheap insurance is tri get a classic car, you don't get NCB but is general shed loads cheaper. when I was 17 I could insure a triumph herald 1360 for 450 quid or the 2l spitfire I went for in the end was 800 with limited miles to 6000, I couldn't even get added as a named driver on my mums 1.1 clio for that! and now after 5 years when I do price comparisons I wouldn't save loads more if I had the NCB. I can still get the tvr insured for 600 quid at 22 years old

[Diablos-666]

One of my pals done this exact thing, passed his test then bought his car 2 years later, saved a fortune!

You could do what I done and wait until your a bit older. I passed when I was 24 and then when I turned 25 I was able to by my beloved TVR.

I knew if I passed my test young I'd want to drive so I waited. Happy days.

I don't eny you OP - Good Luck

[g3org3y]

Sounds like you need to stop taking sabbaticals from your driving and actually pass the ruddy test!

Tbh, I would have thought a cheaper quote for someone who has had their licence longer. Must be to do with assumed experience.

[petrolsniffer]

So go with something more insurable for a year or two?

I was a late passer I passed last year (i'm 22) and my insurance on a 1.1 205 was £1400 last year.

I've been searching around for my next car for when I tot up a year exp,ncb,year older and I can insure a much wider range of more powerful cars

[Chiswickboy]

JonyTVR said:

or the 2l spitfire

You mean a GT6 or was the Spit modified?

[JonyTVR]

Chiswickboy said:

You mean a GT6 or was the Spit modified?

yes wasn't as it came out the factory so actually made the insurance harder to get but still managed it for 800 as a 17yr old which like I said previously is crazy money compared to any small engined clio, festa etc.

the car itself was a gt6 with a spitfire body tub running a stage 3 engine and fuel injection in inca yellow. wasn't everyone's cup of tea but personaly thought it was the best car in the college car park and funnily enough was the most reliable

[Carrot]

I did my bike test at 18, and took my car test at 21.

Rode around on nice powerful motorcycles for around £400 a year insurance until I could get a car, and my first car was a 1.6l Golf. Insurance was 'only' £1100 as well

Don't really understand why everyone HAS to take their test then immidiately buy their own car - it is almost like ripping yourself off...

Still if you are willing to spend the money, go nuts. Everyone is in the same boat. I personally was not willing to spend silly money on a small engined car.

Currently paying £500 a year on two cars with full breakdown cover (the joys of being over 30 )

[anonymous-user]

I thought everyone knew the procedure. Bend over touch your toes..

Get shafted by insurance company for something that is not a fast car for a few years..

When you have 2 year no claims then watch the premiums tumble and buy a faster motor..

Simples..

2 years I waited driving a AX splash 1 litre £1200, Fiesta 1.1 £900 all TPFT

Then v6 after 2 years..

[Mustardo]

You're looking at the wrong type of car. Seriously. (yes i know that's the one you want)

Try some cars that won't be driven by your average youngster - off the top of my head a Lexus IS for example may (or may not!) be cheaper or an Audi A4 or Mondeo. Seriously do some research with other cars, you may well be surprised.

[Shaw Tarse]

phumy said:

Monochrome said:

Fook paying that mate. Get a bike licence.

Even cheaper...get a bike, a push bike.

Then in another 2 years he will be posting again!

[RobCrezz]

Yeah, insurance is expensive when you have no experience. You are a high risk.