I've just got a quote by pretending to be a budding driver - girl, 18, passed test 3 months ago, driving example Vauxhal Corsa 1.0 Reg. No. S651FTE, no previous driving experience, can kept on driveway, 6,000 miles/annum, TPFT.
£1,500 - approx.
What realistic ways of cheapening this are there?
As an example, just having a licence and not driving at all for a year knocks £300-ish off the premium.
I don't know which insurers take note of a Pass Pluss course - how to find out?
Are there companies that will reduce premiums for restricted-hour coverage?
|
>> £1,500 - approx.
>>realistic ways of cheapening this are there?
None really, that quote is quite cheap. You should try a quote for an 18 year old boy
The only way is to get an adult to front it, most frontings are not valid tho.
Last edited by: Zero on Wed 30 Jun 10 at 13:23
|
|
You might add one or two adults as named drivers, and it could be worth asking a decent broker for a quote.
|
|
Being insured on another policy takes off £100. Bumping the X/S to £500 makes no difference.
|
Just moved Monika onto her own policy.
25 years old, passed test last October, 12 year old 1.6 Golf, 6k miles social only, car kept on driveway, fully comp, me as named driver.
£385 with admiral.
Age is really that important?
|
>> Age is really that important?
>>
Age, accident record and gender are the big factors for young drivers in particular.
25 is a huge milestone, accidents, especially at fault accidents count heavily.
My 23 year old pays £750/year for Astra 1.8 petrol with me as a named driver. He has no recent accident history & no at fault accidents at all.
His 26 year old brother pays about £350 on a 1.8 Xantia and for the first time it made no difference this year having me on his insurance as a named driver.
Both boys have pass plus, made no difference except with insurers who were quite a bit more expensive anyway.
|
Option 1. It only feels like a couple of years but probably nearer 4 that my youngest was insured in her own right as a learner in a Fiesta, age 18. Direct Line were a bit over £800 IIRC. She then passed her test and remained here until becoming a student in Brum. When she declared her change of address the premium doubled. So you could move.
Option 2. Older daughter, just turned 25 with 7+ years no claims was insured through Endsleigh, who specialise in student insurance. TPFT for 1.4 Seat Ibiza (bit of a banger though) was around £300 IIRC. She has just bought a newer Ceed and it more than doubled. So she shopped around and got fully comp, admittedly with largish excess, for arounf £380 - Direct Line I think. So, shop around! And/or try Endsleigh, if she's a student.
Last edited by: smokie on Wed 30 Jun 10 at 13:48
|
>> Age is really that important?
>>
Yes, most insurers dont want young, just passed drivers, specially boys. My lad is now 20, has three years of driving license and 2 years no claims. He is now down to £1200.
|
when driving with no insurance fines are just piddly amounts, its no suprise that a lot of people drive with no insurance - its cheaper just to pay the fine - a bonus if you dont get caught.
The fine should be treble the value of what your insurance would be, that would put a lid on it
Last edited by: Redviper on Wed 30 Jun 10 at 15:08
|
|
The difference of course being that you might have to pay a fine once a day,. whereas a premium once a year.
|
|
And along with a fine you will get around 6 penalty points. Get caught twice and goodbye licence. Get caught when recently passed your test, and getting caught once takes you back to a provisional licence.
|
>> And along with a fine you will get around 6 penalty points. Get caught twice and goodbye licence.
Then you need to get caught twice driving without a licence to get the harder "driving while disqualified" 2nd time around which could finally mean punishment.
In the meantime you could cause a lot of problems before getting to the punishment stage :-(
|
This is exactly why I could never take driving lessons seriously until I was 25. I had the odd few lessons for that but I always knew I could never afford the insurance so what was the point.
Average rate for 18 year old males round here is £3k.
And if you get court without insurance in the first two years its an instant ban and back to L plates :)
|
insurance is commensurate with risk
read your local paper
see who killed themselves last week on the local road youve used for years
see where the flowers are
ask yourself this question
how can you die there
would you want to be an insurer?
i wouldnt
cars are too fast,theres too many distractions these days like phones and dvd players built into headsets in cars
cars are for a to b
teach kids that cars will kill ,take them round salvage yards,take them to ae where bones are protruding from rta"s show them that playstation accidents arent real world and glass in your face hurts and you have to live for evermore with the fact you murdered your mate on that bend
about time the driving age was increased in this country with the amount of kids who think road rules dont apply to them
|
|
BB is correct again, but nobody in a position to do anything will listen.
|
BB may be correct with the theory, but needs to remember back to when he was young and carefree..
I certainly didn't approach risk in the same way as I do now when I was younger and I don't see why it's different today. Kids will always be kids, it's part of learning and growing up. Insurance always was relatively expensive but as the cost of an "event" has undoubtedly risen many times over (due to higher personal injury claims also fraud) it is bound to be relatively more expensive for the riskier people.
|
>> And if you get court without insurance in the first two years its an instant ban and back to L plates :)
>>
Isn't it without Insurance and then Court? o:)
|
I meant caught :)
But either way no insurance you either take a NIP = 6 points = banned or take it to court and risk 9 points = banned.
I also agree with the Yorkshireman cars kill and the kids need to learn that.
|
At 19, my first good car cost me £600. Fully comp insurance cost me 150 quid. So much I had to pay by instalments.
Today the same car would cost me £6,000 and insurance £1500, so much I would have to pay by instaments.
Whats changed?
|
"Whats changed?"
Well the dodo has become extinct.
|
Get a newer car
We were surprised when we insured a 51 reg Corsa for my son - if the car had been a year older (we considered one a little cheaper than the one we bought) the insurance was MORE.
|
>> Get a newer car
Entering a similar 1L but more modern example (SE07 KHF from an AutoTrader search) puts the premium up to £1,700!
|
|
That would be simply because the C is safer and more secure than B :). For some odd reason my old high spec 1.2 16v B was cheaper to insure than a base spec one.
|
|
I've been looking for insurance for a 21 year old student in a Pug 306. It's about £1200 for fully comp and £1300 for TPF&T. Yes, that's right....cheaper for fully comp !
|
been like that for a few years via internet quotes DE
i was told it was due to insurers believing fully comp people maintain their vehicles better
ratties post blows that out of the water though doesnt it
|
|
I have checked - it adds about £100 in this case. The vagaries of quotations...
|
Miss Bromp passed her test yesterday. Neither the space or inclination to buy/insure her own car as she'll be off to Uni next year and is unlikley to have space or cash to keep it on. We did however add her as an additional driver on my Xantia, pushing the premium from £280 to £800.
Additonal cost now she's permitted to 'solo' was £17.50 - the vagaries of quotes again.
|
>> Miss Bromp
>>>>>>>
>>>>>>>>>> sorry but that conjures up all sorts of images
|
BB
It would be overkill to report the above post offensive but that's my 17yo daughter you're talking about. Any chance of you're asking the mods to delete it??
|
|
If you click on the circle you can just report it as offensive.
|
|
I think he was talking about the *name*, actually - however, I'm sure your request will be heard.
|
I've never understood why car licenses are unrestricted. You can pass your test one morning in a 60 bhp supermini, and legally drive a 500 bhp supercar, unsupervised, in the afternoon with no extra training or experience. This is a complete nonsense.
The bike licensing scheme makes more sense, restricting power until the age of 21, and then only allowing unrestricted riding after a period of experience, or a tougher test.
Technology renders capacity limits irrelevant, but a power to weight ratio limit of something like 60 bhp per tonne for under 21's ought to keep accidents down, and still give people their freedom. I think it's a better compromise than increasing the driving age. You could even allow people to shortcut it at 19 if they take advanced training and pass a tougher test. What 19 year old petrolhead wouldn't go for that? Hey presto, a huge leap in young drivers taking additional training, which can only be a good thing.
The current system doesn't work.
|
|
And even a 60bhp supermini way outperforms the asthmatic Mini 850 that was my first solo drive.
|
I've just used a well known price comparison web site to quote for my 17 year old son who's just passed.He hasn't got a car yet so just entered a Corsa 1.0 litre.
Get ready for this......£4500!!!
If he didn't drive until he was 20 then the insurance would be £2000.
No wonder some young people drive without insurance.
25 years ago i insured my first car,a Volvo 144, 2.0litre, for £350 third party,fire and theft at the age of 17.
Your not telling me that,even with inflation,it would now be in the thousands.
|
well it certainly wasnt meant to be offensive
and i apologise ifit came across as such
|
>> well it certainly wasnt meant to be offensive
>> and i apologise ifit came across as such
I am of course sure you didn't & perhaps I should be more careful posting about the family.
|
Young insured. - Zero
