Car insurance for young drivers

Is this true..?

21 to 35 of 35 messages
seren nos    pirate
08/10/2011 at 22:42

My 18 year neice had a driver hit her from behind.................whilst she was shaken up she was unhurt,,,,,,,,,,rthe other insurers paid the couple of hundred to put her car right but also offered her £2000 for personal in juroes if she dindn't make any further claims....................she hadn't made any claimfor personal injuroes but of course accepted the offer of the money  in lieu of the fact she wouldn't make any other claims....

 if insurers are paying out when nothing ios being claimed...........imaqgine how much they are paying out when people are trying to claimfor non existing injuries

09/10/2011 at 09:27
I was back ended on my bike a few years ago it took six months to settle because the ambulance chasers would not accept that I didn't want to make a medical claim for a bit of bruising and a two days of a slightly stiff neck and the insurance company was nervous about letting it go

I know a 20 year old Lithuanian who if he uses his british car has to pay something ridiculous, nearly £1K per month he said but if he uses his Lithuanian car his mother sorts his insurance out back home and it costs an additional £15 per month for it to be valid over here and they send him a certificate every month so its up to date
09/10/2011 at 09:32
Maddy, we had an Irish guy in yesterday who was buying a car, registering it in Ireland and putting Irish plates on it. Said it would cost him in insurance a fifth of what it would here.
09/10/2011 at 09:48
Yep its nuts isn't it

I suspect a similar thing if not to the same extent exists for house insurance where the victims of theft hike up their insurance claim or is some cases claim for things they never had in the first place.

A friend of mine is still technically under arrest for handling stolen goods - it was a track bike which came into his possession - but as soon as we realised it might be dodgy we got a friend of mine to post a photo on facebook and within hours I was talking to the father of the girl who owned it and they got it back the next day. The reason the police gave for arresting him?? anyone with as much knowledge of bike as he had should have known that a 1500 quid bike must be stolen if he is offered it for 100. It was worth 300 tops me man made a fraudulent claim on his insurance and someone else paid the price for his deceit
09/10/2011 at 09:48
As a foreigner, i have to pay more for insurance too. To add insult to injury, insurance companies don't take into account the years I spent driving back home either.
09/10/2011 at 12:36

Little Ninja, I heard that from a French woman i knew too! She had something like 8 years no claim back home, yet is paying about £600 a year for a small car, at the age of 28.

Good job she's not a bloke, or that'd probably be a few hundred higher (until the new rules!)

Tommygun2    pirate
09/10/2011 at 13:41
I think a lot of kids these days have worked out its cheaper not to be insured against the risk of being caught and getting a fine of £150.00 and some points. They buy cars for £500 drive it until it stops or they get caught. So making the insurance so prohibitive the insurance companys are putting more dangerous cars on the road uninsured. It crazy
13/10/2011 at 10:31
Flat Foo.ted wrote (see)

Raise the minimum age for driving to 21 or restrict anyone under 25 to a car with an engine no bigger then a 1.2.

If you get caught with no insurance it's 6 points and £200.......so some will take the chance of not getting caught and if they do then it's still cheaper then £2500 insurance.......and with police budgets getting cut ANPR/traffic units will see a reduction in man power/equipment so the chsnces of getting caught are going to be less.


Tommygun2 wrote (see)
I think a lot of kids these days have worked out its cheaper not to be insured against the risk of being caught and getting a fine of £150.00 and some points. They buy cars for £500 drive it until it stops or they get caught. So making the insurance so prohibitive the insurance companys are putting more dangerous cars on the road uninsured. It crazy

Is it still true that for the first 2 years of passing your test you can only have half as many points, so get 6 and you lose your license.  I think most young people would at least be concerned about that side of it, if not the points.  I got my first car at 22, a 1.1 106, I think my first years insurance was around the £900 area.

i have another question about young people and driving?  Who do you think are the worst for drink driving?  I have known one lad in his twenties who was was terrible for it, and would go for about 10 pints then drive home, which is awful, but other than that I think all my friends, (i'm 28) have the same attitude as me, where if i'm driving, it's generally nothing, or if i'll be out for a long time, or am having a meal i'll have 1 small drink.  I see a lot of friends of my parents, however, who think nothing of driving after a  couple of pints/glasses of wine, and often more.

I think it's unfair that the younger generation are made out to be the worst culprits for drink driving, when I think we have been better educated to the dangers, and with some extreme exceptions, just don't do it.

Edited: 13/10/2011 at 10:32
13/10/2011 at 10:48

I think that's the problem Angel, with youngsters its either all or nothing.  The 'all' people give the rest a bad name, particularly as they haven't learnt how to handle their drink so they are obviously drunk.

Whereas the older people I know tend to drink a more moderate amount, or at a more steady rate.  They might still be over the limit, but they look in control of themselves so they get away with it.

13/10/2011 at 10:56
Flat Foo.ted wrote (see)

Raise the minimum age for driving to 21 or restrict anyone under 25 to a car with an engine no bigger then a 1.2.

If you get caught with no insurance it's 6 points and £200.......so some will take the chance of not getting caught and if they do then it's still cheaper then £2500 insurance.......and with police budgets getting cut ANPR/traffic units will see a reduction in man power/equipment so the chsnces of getting caught are going to be less.

The new technology will make it easier for the police to catch uninsured drivers.  Number recognition cameras can pick up car info via the DVLA, which now have insurance and MOT details linked to them.  One example of Big Brother technology being used for good......

Madge. wrote (see)

I've insured my offspring because I think it's important that they gain driving experience whilst under my care (and supervision)

The cost  is pretty prohibitive however.

I'm pondering whether I can justify insuring them this year ...but I do want them to get experience. I don't mind paying for increased risk. I do mind paying for lots of uninsured drivers and people who claim for a whinjury just because they can.

After a car accident last year I was called repeatedly from firms trying to get me to make a claim. It was a year ago and I had another call just recently. 


Love the term "whingery". <stores away for future use>

I get calls from firms trying to get me to make a claim too. Even though I haven't had an accident...............

I don't know the current stats, but certainly it used to be middle aged men who were statistically more likely to drink and drive, although young men who did D&D were likely to be much more over the limit. 

21/10/2011 at 17:42

It is ridiculous. Yes the youngsxters are more at risk of an accident BUT these amounts are insane and often a years insurance is ten tiems the value of the car. Of course they are not insuring themselves but the people they hit.

Part of that problem is fraudulent crash claism. My dad (76 but no problems driving) had a 4x4 just break in front of him the other day and although he almost stopped not quite. His car, a very old Astra was write-off. The others are claiming whiplash. No way. The insurance company know it is a scam but can't prove it !!

Back to the kids though I agree with the point above. The sensible kids are also the law-abiding ones. The ones having the crashes are also the ones that will risk driving uninsured.  My son is 17 next year and already has done some off public road lessons and is a natural according to the instructor and is also very sensible but wil get hammered by the insurance companies, He'll also then get hammered bu the government if he wants to go to University.

 Who'd be a youngster today !

21/10/2011 at 18:19

I think you want the rant thread Brooks  

I tend to agree however. My offspring will go to uni next year and exit with a  minimum £27000 debt (assuming she doesn't eat/live anywhere..). Her car insurance costs might mean I don't insure her  which I  think is a bit sad because you can't get experience without ...er experiencing something.

Buying a house ....

24/07/2012 at 16:37

I think car insurance is a lot worse for younger drivers now but I remember always getting crazy quotes which were thousands more than the reasonable ones.

I've come across a website which has given me some decent quotes, hopefully it will for anyone who is after insurance.

Here's the link: http://www.cheapinsurancelocator.co.uk/

Dave The Ex- Spartan    pirate
24/07/2012 at 16:45

I had the misfortune to drive our youngests car the other week...

She has 4 years no claims, and has always had her own insurance.... 

But a 1.4 Pug 207 is a scream.. You have to drive it on it's door handles to get anywhere in it.. I know I'm spoilt but it's actually a dangerous car for someone with little experience, and yes it's over £1500 to insure it

Pethead    pirate
26/07/2012 at 14:26

"Big" cars with 1.4 petrol engines are a joke - if you want to get somewhere on roads that aren't motorway, the genuinely small 1.1s are far better! My 106 will easily leave 306s, 207s, Ford Focuses and so on behind up until about 60mph.
And yes - £1,500 for a year's insurance, 19 y/old with a year's no-claim, driving a 9 y/old car that's probably worth £500 at most.   


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