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> Insurance for new drivers! OMG
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On 2008-05-29 12:54:37, Daedalus85 wrote:
It's because younger drivers are several times more likely to have an accident than older drivers, hence why it's cheaper to have you on the insurance as his Dad because it shows it won't just be some 17 year old hooligan driving around crashing into things
(in their eyes anyway, not saying he is, but alot of 17 year olds are, and that pushes the prices up).
At that age, and to learn in, a 1.2 is the absolute most you'll need really. A 1.6 is just excessive at that age, for both insurance, petrol and power.
I agree mate, I only have a 1.6 because my mum gave it to me for a birthday present, i'd like to save up, sell it and downgrade, but need some more cash 1st.
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Posted: 2008-05-29 17:41:52
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most insurance companies will also give a discount on premiums to people who attend defensive driving courses. though you have to inquire with them as they wont tell you about it.
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Posted: 2008-05-31 00:50:43
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Lol, rather than defensive driving courses (ummm, I think their meant for the police and armed forces only), I think you mean things like the 'Pass Plus' scheme where you have 6 advanced 1-hour lessons and you get a certificate at the end to show the security companies you're a safer driver.
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Posted: 2008-05-31 10:32:46
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Actually James, you can do the defensive courses(there are quite a few available to consumers), but they do cost(well, doesn't everything fun - but worth it to learn J-turns!
)......
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Posted: 2008-05-31 12:15:10
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im 18 in a few days, have passed my test months ago, and have been researching cars. cheapest i can find is like £1200 insurance and thats for your bog standard 1.0-1.1
ford Ka's seemed pretty good but i dont really want one.
its just so damn expensive
dude_se
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Posted: 2008-05-31 12:16:09
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Insurance for existing drivers isn't cheap either!!
I'm 24 want to insure my 2008 1.2 Corsa and no-one will cover me.... :s
OOOOPS.....
I've had 2 accidents in the last 5 years, 1 in Nov 06, no my fault at all, didn't even pay excess, 2nd one was my fault, total claim was for £13,685 (my car was a write off and the other 2 cars involved we fixed for that £13,685)
Oh! and I've got 3 points....
Back to the drawing board on the insurance front I think..
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Posted: 2008-05-31 12:27:44
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On 2008-05-31 12:27:44, fatreg wrote:
Insurance for existing drivers isn't cheap either!!
I'm 24 want to insure my 2008 1.2 Corsa and no-one will cover me.... :s
OOOOPS.....
I've had 2 accidents in the last 5 years, 1 in Nov 06, no my fault at all, didn't even pay excess, 2nd one was my fault, total claim was for £13,685 (my car was a write off and the other 2 cars involved we fixed for that £13,685)
Oh! and I've got 3 points....
Back to the drawing board on the insurance front I think..
tut tut lol
dude_se
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Posted: 2008-05-31 12:42:20
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yeah I know tut tut...
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Posted: 2008-05-31 12:46:46
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well, fortunately I didn't find a suitable car yet as I've found out that QUINN direct, who quoted very low compared to all others, put the insurance up once the driver gets a licence.
I've googled this a bit and I suppose it sort of makes sense in that while he is learning and has a provisional licence, he is always under supervision, but when he gets his licence he is on his own with not alot of experience and also as a teen driver, likely to get into all sorts.
so a £500 quote at provision level becomes a £1500+ policy once he is licenced!
here we go again getting more quotes...!
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Posted: 2008-06-04 18:07:34
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I'm 20 and have been driving for almost 3 years now.
I have always been om my dads insurance as I couldn't afford the ridiculous prices for my own policy.
However it needs renewing in a few weeks and I want to start building up sme no-claims.
I have found Bell Car insurance by far the cheapest at just under £700 for my own policy. I have added my mum as a named driver which saves over £100!
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Posted: 2008-06-04 18:22:43
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