So does having an accident at 18 really affect insurance?

[Tommy B]

Most of you are aware of my accident. I just went to do some insurance quotes and filled it out as if I'd had an accident with £2,000 worth of total damage claims.

It was £1,500 for me on an Audi A3 1.8T and is now £1,650
It's also now £900 for me on my mum's MK5 1.4 Golf when 6 months ago I was getting quotes of like £1,600.

In both cases the main driver is myself (1.4 years driving experience, 0 NCB) and both my parents are named drivers. I'm aware the quotes seem very cheap for someone my age but it must be our postcode, my occupation as "Uni away" and other factors (perhaps because my dad is in medicine or something) as my mates can't get quotes anywhere near that.

So it's not as bad as I thought and there's still a chance the accident will go 50:50 and I won't claim, but please DO NOT talk about the accident. Thank you.

Cheers

 

[Tommy B]

what was the accident ? sorry I didnt read it in the first place, and it depends on individual for a friend who had a claim it all but nearly doubled his premium

I do not want to bring this up again as it got heated last time but basically it involved a drunk passenger opening a door of a parked car on me as I was driving past. That's all I'm saying. I will post a new thread when I heard back from the insurance companies. I doubt the total cost will exceed £2,000 though.

 

[Tommy B]

Doesn't affect your insuance too much I had a crash at 19 didn't stop me getting insurance for a supra a year later. I played around with the quotes and found that getting 3 points for speeding would have been worse than a crash

It's ironic that the 3 points does more damage actually, given the guy involved in my accident should have been given points for breaking 2 major highway code rules.

Still, accidents are accidents. Speeding shows you're a boy racer, although I admit the whole thing is a bit crap as being done for 35mph in a 30mph is harsh.