Insurance costs

[CliffyBiro]

but there was just something about driving for the sake of driving, windows down, sunroof back and Guns N Roses on the radio that made me feel "free", and You can't put a price on freedom

Hell yeah

 

[Deleted User 234324]

The high insurance costs for young drivers is also I think a huge factor in the number the uninsured drivers on the streets. fair play to those that can afford it and work their socks off to pay but the temptation to not pay is probably more appealing to some.

Didnt start driving till 28 myself, never really needed it but a few years ago I decided it was time to get my licence as it would make work so much easier and allow me to visit family more often. Now i'd be lost without my car.

 

[Barks]

Of course a 17 year old doesn't need a car, in the same way that a 45 year old mother of three doesn't need a car. For her it's solely down to convenience, for a 17 year old lad it represents so much more.

The function of a car is to get you from A to B and not to strictly provide a sense of freedom. You raise a valid point in saying that neither a teenager or a mother of three have more of a need for car ownership. At the end of the day however it's far easier for a teenager to walk/use public transport/get dropped off by rents/mates (as I did until I was 17) than it is for a mum to drag three kids around without a car. Furthermore although you paint an appealing image of windows down, music up etc I still don't feel any more "free" than I did before I started driving. More grown up and more like an adult, perhaps.

Funnily enough I have less of a problem with "boy racers" than I do with other teenager drivers. At least they enjoy the driving experience and car ownership. A lot of teenagers, especially girls - I know very few teenage girls who drive a car daddy didn't buy, seem to take it all for granted.

 

[CliffyBiro]

Furthermore although you paint an appealing image of windows down, music up etc I still don't feel any more "free" than I did before I started driving. More grown up and more like an adult, perhaps.

You mean you didn't feel a little more freedom in being able to go where you want, when you want without the need to rely on others?

Never again will I curse someone who didn't turn up or a taxi that's late.

 

[Westyfield2]

Such a collosal waste of money though, especially as most 17 year olds (whether in education or not) don't even need a car. Some of these lads who pay £2k for insurance, it's madness. ...a clapped out 1.2 banger with a screw on fart cannon strapped to the back.

I'm 18 nearly 19, passed a year ago, and that's what mine is

Granted it's a Saxo VTR, but still

 

[I get around]

I'm 18, got my licence a few months ago.
Currently insured on a 1.4 mk3 golf for about 1150 a year tpft.
If i get the new job my insurance will be £2100 a year for a 1.9tdi bora (130 bhp one) tpft. Nearly 3 grand fully comp, so i'll just have to hope i don't bin it.

It sounds ridiculous but thats the price you pay if you want something half decent to drive when you're younger.

 

[Barks]

I'm 18, got my licence a few months ago.
Currently insured on a 1.4 mk3 golf for about 1150 a year tpft.
If i get the new job my insurance will be £2100 a year for a 1.9tdi bora (130 bhp one) tpft. Nearly 3 grand fully comp, so i'll just have to hope i don't bin it.

It sounds ridiculous but thats the price you pay if you want something half decent to drive when you're younger.

I don't get it, maybe I live in a safe postcode but ever since I was 19 I've been getting fairly reasonable quotes off Bell. I'm 20 now with 0 NCB and with both my parents as named drivers (ie not fronting) they're charging £800/year for insurance on an R56 Mini Cooper Graphite FC and including DOC. Perhaps at 19/20 the quotes start to get more reasonable?

I guess all we can do is pay up and accept it because in this day and age it seems almost standard for a 17 year old to write off a car. Really is shocking how many of my mates at school were involved in serious crashes. Really wish the sodding DVLA would make the test MUCH more difficult

 

[CliffyBiro]

I don't get it, maybe I live in a safe postcode but ever since I was 19 I've been getting fairly reasonable quotes off Bell. I'm 20 now with 0 NCB and with both my parents as named drivers (ie not fronting) they're charging £800/year for insurance on an R56 Mini Cooper Graphite FC and including DOC. Perhaps at 19/20 the quotes start to get more reasonable?

I guess all we can do is pay up and accept it because in this day and age it seems almost standard for a 17 year old to write off a car. Really is shocking how many of my mates at school were involved in serious crashes. Really wish the sodding DVLA would make the test MUCH more difficult

I'm 19 and recieving quotes of around £2k. Most probably a lot to do with postcode, as you say, and being in N.I.

 

[Barks]

I'm 19 and recieving quotes of around £2k. Most probably a lot to do with postcode, as you say, and being in N.I.

It could be anything given car insurance is based on statistics. It could even boil down to the occupation of your parents as stats might show that a farmer's son is less likely to crash than a butcher's son, despite no causality. Don't laugh it's honestly like that, apparently.

 

[Orion21]

I'm 19 and recieving quotes of around £2k. Most probably a lot to do with postcode, as you say, and being in N.I.

When I started looking to get driving my early quotes were about £2-2.5k, I would have been 18 / 19 and living in NI.

 

[Liquidfox]

When i was 17, it was 2K TPFT on a 1.2 Punto.
Next year with 1NCB it became £1.2K FC, switched that to a 2.0 Focus and it stayed the same

 

[InvaderGIR]

Of course a 17 year old doesn't need a car, in the same way that a 45 year old mother of three doesn't need a car. For her it's solely down to convenience, for a 17 year old lad it represents so much more.

Wrong. For me and many mates, at 17 we needed cars. I live in the middle of the countryside in Devon, no public transport, family members work so can hardly ever give lifts.

A lot of younger people DO require transport at 17 despite what most of the old farts (be that mentally old or actually old) on here say.

I paid ~£700 FC on a Renault 5 Campus 1.1 as my first car insured by Norwich Union and with Pass Plus (£1400 without PP). All in my name etc. I've never fronted and never will.

I have had two accidents and have 0NCB and so still pay young people prices at 22, but I NEED the vehicle so I'm happy to pay it.

 

[[TW]Fox]

It could even boil down to the occupation of your parents as stats might show that a farmer's son is less likely to crash than a butcher's son, despite no causality. Don't laugh it's honestly like that, apparently.

Unless you specifically add them to your policy insurance companies do not ask for your parents information at all, so they wouldn't even know this. Do you make this stuff up or something?

 

[I get around]

I don't get it, maybe I live in a safe postcode but ever since I was 19 I've been getting fairly reasonable quotes off Bell. I'm 20 now with 0 NCB and with both my parents as named drivers (ie not fronting) they're charging £800/year for insurance on an R56 Mini Cooper Graphite FC and including DOC. Perhaps at 19/20 the quotes start to get more reasonable?

I guess all we can do is pay up and accept it because in this day and age it seems almost standard for a 17 year old to write off a car. Really is shocking how many of my mates at school were involved in serious crashes. Really wish the sodding DVLA would make the test MUCH more difficult

I live in a safe postcode, but I have 0 ncb and have had my licence less than a year.
You can make the test as hard as you like, people are still going to show off, it's all part of driving aint it.

 

[Barks]

Unless you specifically add them to your policy insurance companies do not ask for your parents information at all, so they wouldn't even know this. Do you make this stuff up or something?

I did many quotes for the Mini and they always asked for the occupation of the named drivers. That aside I was merely using that as an example of how insurance companies use statistics to price discriminate.

 

[Deleted User 234324]

I live in a safe postcode, but I have 0 ncb and have had my licence less than a year.
You can make the test as hard as you like, people are still going to show off, it's all part of driving aint it.

But its knowing when "showing off" is safe that is the difference between a young driver and older more experienced one.

And that is what insurance companies base prices on.

A 20 Year old with 3 years driving experience and 3 years NCB is still more likely to have a crash than a 30 year old with 1 years driving experience and 0 NCB.

 

[[TW]Fox]

I did many quotes for the Mini and they always asked for the occupation of the named drivers.

Yes, for the NAMED DRIVERS. This is not because people whose Dad is a plumber are more likely to crash, its because people who are plumbers are more likely to crash. This is why you are not asked for your parents details if you dont wish them to drive it!

 

[CliffyBiro]

Yes, for the NAMED DRIVERS. This is not because people whose Dad is a plumber are more likely to crash, its because people who are plumbers are more likely to crash. This is why you are not asked for your parents details if you dont wish them to drive it!

He did say that he had added both parents as named drivers.

 

[Barks]

Yes, for the NAMED DRIVERS. This is not because people whose Dad is a plumber are more likely to crash, its because people who are plumbers are more likely to crash. This is why you are not asked for your parents details if you dont wish them to drive it!

There will still be statistics that show drivers whose parents are in different occupations are less or more likely to crash. As discussed before there is no causality but there will be statistics which demonstrate this.

 

[[TW]Fox]

Your parents occupation affects your premium only in the sense that the risk of them crashing differs with occupation, rather than the risk of you crashing differs with their occupation. Next you'll be telling me they charge a different premium if statistics show that models of car with green paint crash more..