Same. My pass plus done nothing to my insurance quotes. I'm still paying £1800.I find it hard to believe doing the Pass Plus would take £700 off a policy. I did mine and it wasn't worth it at all. Yes it's good for the experience but i wouldn't say people do it for this reason and the experience can be had much cheaper
Insurance too stupidly expensive.HELP!
- Thread starter XeNoN89
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If you get a quote below £1500, go for it, anything cheaper will be difficult to get.
I payed £1600 on a 1.2 1990 Nissan Micra about 4 years ago.
Oh and definetly find another form of credit. Admiral were charging about 35%apr on pay monthly schemes when I renewed.
I payed £1600 on a 1.2 1990 Nissan Micra about 4 years ago.
Oh and definetly find another form of credit. Admiral were charging about 35%apr on pay monthly schemes when I renewed.
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I find it hard to believe doing the Pass Plus would take £700 off a policy. I did mine and it wasn't worth it at all. Yes it's good for the experience but i wouldn't say people do it for this reason and the experience can be had much cheaper
It was the combination of pass plus and spending literally hours on the phone trying to get myself a good deal, pass plus probably only saved me £300. Anyway I only ended up paying £90 after getting the other £90 from the council, the experience for me was worth it as it made me much more confident on the road.
This reminds me, I've still not sent away for my £75, I have the forms and everything.....it's only been like 5 months.
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Personally, I think passplus should be compolsory after the test.
Buy a piece of utter trash for £250, garage it, insure it with Bell, get Drive Other Car 3rd Party.
Register the car you actually want to drive in your parents name and then voilla you can drive it third party.
Technically that is illegal but I know people who do it. One of my mates knows a guy who has been driving an Impreza WRX for 2 years since 19.
Insurance companies do nothing but exploit a legal requirement by intolerable fiscal greed, and premiums on younger drivers should be capped on lower insurance group cars as it's completely unacceptable. That or they should be legally required to refund half your quote for a claim-free year.
Register the car you actually want to drive in your parents name and then voilla you can drive it third party.
Technically that is illegal but I know people who do it. One of my mates knows a guy who has been driving an Impreza WRX for 2 years since 19.
Insurance companies do nothing but exploit a legal requirement by intolerable fiscal greed, and premiums on younger drivers should be capped on lower insurance group cars as it's completely unacceptable. That or they should be legally required to refund half your quote for a claim-free year.
This reminds me, I've still not sent away for my £75, I have the forms and everything.....it's only been like 5 months.
My council tried to shaft me, I done my pass plus and then I applied for my partial rebate. They then tried to fob me off by saying I should have told them 1st. A few angry emails later, I got my money.
You're right, the amount of people who don't know how to drive properly is a joke, especially motorways. At the moment my biggest gripe is people who drive at 40 regardless of the speed limit, 40 in town, 40 on NSL roads..
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Soldato
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I find it hard to believe doing the Pass Plus would take £700 off a policy. I did mine and it wasn't worth it at all. Yes it's good for the experience but i wouldn't say people do it for this reason and the experience can be had much cheaper
Mine dropped about £700 or £800, and was good for the experience too with a proper instructor rather than doing it by yourself.
Man of Honour
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Oh dear. Why bother having illegal insurance when it's just to allow you to drive legally?
That practice is illegal but it'd be extremely difficult to prove in court if the insurance company found out. Also, you'd still be driving the car 3rd party which qualifies as legal car insurance.
I just think quotes are ridiculous for young drivers. Fair enough if they try and get insured on VTRs and Cooper S' but the fact thousands of youngsters are having to shell out £2000 for a 1.2 fiesta/1.4 Golf etc is ludicrous. Absolutely ridiculous.
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Mine dropped about £700 or £800, and was good for the experience too with a proper instructor rather than doing it by yourself.
The experience is good and I'm glad i did mine rather than trying it by myself, with my parents or someone else. But for me it didnt save me any money but i did gain experience so in that respect its worth it but most seem just to do it and have the vision that it'll save them a lot which isn't always the case...
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You don't need to prove it absolutely, its based on the balance of probabilities.
'You see your Honour, the defendants car hasn't moved for months. Yet, co-incidently, as well as the 2001 Impreza Turbo with large spoiler and Greddy exhuast owned by his Mother and driven by the Defendant at the time of the accident, his mother also owns a Ford Focus 1.6. I wonder why that could be...'
Its misrepresentation, you sign a bit on the policy to say that you have to tell the truth. Part of the reason why insurance is so expensive is because 17/18yr old will go on mummy's insurance instead of having their own policy. Anyway why would you want to be a named driver? How will you earn NCB? If you take the initial hit things work out okay after, i paid £1300 for my 1st year and only £530 for my 2nd years premium. Insurance for young drivers is so expensive because most young people drive like idiots, inexperience and stupid school-boy errors cause a lot of accidents, the driving test needs to be a lot harder. I found it way too easy.
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Man of Honour
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And the Government wonder why so many young people drive without insurance .....
I honestly would have loved to take out a policy in my own name at 17.
The fact is my mum bought a car, it's her car, she paid for my lessons and I shared it with her. She put me as a named driver because it was far cheaper than taking the policy out in my name. We probably drove the car for equal amounts of time. That isn't illegal and I don't see how that makes premiums for other teenagers more expensive?
Man of Honour
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No, but you're screwing yourself over in the long term without NCB.
Try Asda also, I just got a quote for £207 on a Rover 214 16v.
Although i'm sure something is up! I shall enter details again and report back
What is your age though, if you dont mind me asking?