The usual teenage stuff, fronting, non declaration of mods.. and a crash

[Jono8]

Because a £5k car costs the same to repair as a £10k car, and does as much damage to other peoples cares.

The biggest cost in insurance claims is personal injury and third party property damage. This is the same whether you are driving a £40,000 Mercedes or a £500 Mercedes.

I suppose so. Surely write offs/total loss claims count for a very large proportion of payouts though?

Just been having a play with Admiral's quote, It is cheaper to park the car in some random railway car park every night than keep it in a garage.

*sigh*

 

[Joshy]

Because this is what happens when you give a 17 or 18 year old an M5

Young lads like to drive fast and show off. Giving this type of driver an M5 is a receipe for death.

http://www.cnn.com/2008/US/01/26/airstrip.car.crash/index.html

No, that's is what happens when you give an arrogant doughnut a M5. Not being funny, but you always hear about the bad accidents but never of the young guys in quick cars that do survive.

I'm a young lad. I drive a fast car. When I had my chance to "show off" I got overtaken by a OAP in a white Merc diesel 190E .

Not saying young lads should be let loose on whatever high powered car they can afford, I know some proper crap drivers my age, I also know some good ones too. It's the Young = Idiot thing that winds me up.

But I'm young, I'll understand when I'm older or something .

 

[Fr0dders]

It's the Young = Idiot thing that winds me up.

But I'm young, I'll understand when I'm older or something .

its true though

myself and many others on here will gladly admit that had we given an M5 at 18 we too would almost certainly have killed ourselves.

90 % of the people on this forum will at least have had an accident in it when they ran out of talent even if they didnt kill anybody in it

which is why the premiums reflect this.

 

[[TW]Fox]

I'm a young lad. I drive a fast car. When I had my chance to "show off" I got overtaken by a OAP in a white Merc diesel 190E .

And then nearly caused a properly serious high speed head on accident 10 minutes later. Because you are young and inexperienced even though you wont admit it. I wouldnt admit it either when I was your age, then I parked my 5 Series in a hedge because my ego was cashing cheques my skillset and experience didn't back up.

But I'm young, I'll understand when I'm older or something .

You will

 

[Joshy]

And then nearly caused a properly serious high speed head on accident 10 minutes later

That happened because I broke my golden rule and drove out of my "comfort zone". It was stupid, it was a mistake, but I am alive. I learned my lesson. I move on.

And let's remember. If I was in exactly the same situation in a "normal" car for a 19 year old I quite simply would not have made the overtake and have little doubt that I would be six feet underground right now.

 

[[TW]Fox]

If you were in a 1.1 106 your car wouldnt have given you the confidence to go for it. You went for it anyway because you didnt have the experience and 'maturity' (This isnt the right word and I am not suggesting you are immature but I cant think of the right word) to not make the move.

This isn't a criticism. Almost all younger guys are like it. I was and maybe still am to some extent. I was totally uber and way way more mature than everyone else and hey I drive super sensible on the Motorway so really I'm a proper driving hero, and now I've got a fast car, I can totally....

.... oh dear. I wouldnt have done that in my FWD Mondeo because it wasn't a particularly quick car and I wasn't full of ego about it's performance, whether I cared to admit it or not.

It happens to lots of us - a few will never have the urge and think that it's over-rated all the talk about young guys and crashes. Many will have the urge and through sheer luck won't have an accident. Many will suddenly wake up once they end up in the scenery, hopefully not into somebody elses car.

There are various young guys on here who frankly dont deserve a driving license given the way they drive quite powerful cars. It is luck not judgement which stops these people causing simply horrible accidents.

 

[Fr0dders]

That happened because I broke my golden rule and drove out of my "comfort zone". It was stupid, it was a mistake, but I am alive. I learned my lesson. I move on.

And let's remember. If I was in exactly the same situation in a "normal" car for a 19 year old I quite simply would not have made the overtake and have little doubt that I would be six feet underground right now.

dont you see it ?

Its when 17 / 18 year olds drive out of their "comfort zone" and make a stupid mistakes that accidents like this happen.

You didnt crash and you didnt kill anyone - but that was because you got lucky and werent driving an M5 at 150mph. Had you been, you'd have been dead too.

 

[Justintime]

Stupid media.. whats souped about about that car? lowered suspension, alloy wheels, an air vent in the bonnet? lmao.

 

[Scania]

Stupid media.. whats souped about about that car? lowered suspension, alloy wheels, an air vent in the bonnet? lmao.

It was clearly "souped up" in the mind of the owner I'd guess, not to mention 99% of similar minded Corsa drivers (or Saxo, Nova, Fiesta etc)

Alas, the drivers skills both at filling out an on-line insurance application nor driving the thing came woefully short of even standard......

 

[Joshy]

dont you see it ?

Its when 17 / 18 year olds drive out of their "comfort zone" and make a stupid mistakes that accidents like this happen.

You didnt crash and you didnt kill anyone - but that was because you got lucky and werent driving an M5 at 150mph. Had you been, you'd have been dead too.

People full stop drive out of their comfort zones. It's not some sort of phenomenon that is reserved to young'uns, and that is my point. I'm not going to argue that the statistics are wrong and that M5 insurance should be super cheap, but I am going to argue against the patronising "You're going to kill yourself" stuff. Just because an insurance company says you can't have a quick car doesn't mean you cannot "handle" it, just like an insurance company saying you can have a quick car doesn't mean that you have the necessary skill not to plant it into the nearest hedge.

Anyway, Driving a car capable of 160MPH+ is not what would have caused that accident. Driving a car capable of 160MPH+ is very arguably what saved me. If I was ringing the nuts off of a 1.25 Fiesta only to realize the **** off sized 4x4 in the horizon rapidly approaching half way through my overtake I'd have been completely and utterly screwed. With the Soarer I dabbed on a bit more throttle and survived. I can joke about it on the Internets and remember it each and everytime I have a look at overtaking someone on a public road.

 

[[TW]Fox]

The point is that in a Fiesta 1.25 you wouldnt have gone for it in the first place.

The faster your car the more overtakes you feel you can pull off.

 

[Joshy]

The point is that in a Fiesta 1.25 you wouldnt have gone for it in the first place.

The faster your car the more overtakes you feel you can pull off.

The single scariest thing about that particular situation was that I thought the road was completely clear (Wouldn't have risked it otherwise). I would have probably have attempted it in a slower car without much hesitation.

So in a way, the powas made up for my n00bishness .

 

[Scania]

Bloody stupid People drive out of their comfort zones.

Fixed.

Sure I learned the hard way, but it was a valuable lesson.

 

[[TW]Fox]

The single scariest thing about that particular situation was that I thought the road was completely clear (Wouldn't have risked it otherwise). I would have probably have attempted it in a slower car without much hesitation.

So in a way, the powas made up for my n00bishness .

I still disagree. The issue you have is that you've jumped straight into super powerful cars. You've not spent any period of time thats notable in slow crap. When you have and move your way up slowly you quickly begin to realise what your car is capable of. You'll still make stupid mistakes, but you are less likely to do banzai overtakes in a slow car.

 

[Jonnycoupe]

So why does the cars overall value seemingly make little or no difference to a premium

Ive just tried it, 2010 Focus ST was £200 LESS to insure than a 2006-2009 one, even though its the same car and the 2006 model will be half the value. I realise that this is because more accidents have happened in the 2006 models but that is totally non sensical as they have been on the road for 4 years longer! You could argue that it is because younger people are more likely to get a used one as it is cheaper but that doesnt hold up because my age e.t.c. should all already be taken into account.

I want one plausible reason why a £19000 valued, brand new 2010 Focus ST cost £200 less to insure than a 2006/07 one worth £8500. ( and no, " the new ones come fitted with ESP as standard, because i did the older quote as an ST2 or 3 that do have ESP )

**on a rant because i was looking at quotes and didnt realise I had the registration date set to 2010 instead of 2006, which gave me a bit of a shock and some dissapointment when i did another quote **

Thatcham rating.

Value of your car still doesnt really influence the damage of otger parties or personal injury potential.

 

[Joshy]

I still disagree. The issue you have is that you've jumped straight into super powerful cars. You've not spent any period of time thats notable in slow crap. When you have and move your way up slowly you quickly begin to realise what your car is capable of. You'll still make stupid mistakes, but you are less likely to do banzai overtakes in a slow car.

Yeah, I actually agree with that.

As I've mentioned in the past, I do regret not sticking with some of the slower cars I've owned and progressing slowly and enjoying more aspects to driving than the size of the kidney punch on acceleration. Now I find myself merely chasing the next BHP fix - Rocking Nearly 300BHP now and I find it merely "adequate" and find myself wondering "Where do I go from here?" .

I wouldn't recommend doing what I did to another person, but for completely different reasons to 99% of people.

 

[iaind]

To be fair this one is rather bizarre. It is fairly obvious that the theft risk is considerably reduced if a car is locked in a garage and the risk of accidential damage is considerably reduced if a car is parked on a driveway rather than by the side of the road.

How many people on this forum alone have suffered hit and run damage to cars parked beside the road?

How many people have suffered this damage when the car is on a drive or parked in a garage?

It is pretty bizarre, yes. Maybe garages get broken into more often in certain areas, maybe people mare claiming for dings and dents while putting cars in garages, maybe more are stolen by theft of keys..... But whatever it is, the insurance companies still don't care why.

The best thing to do is to try changing as much as you can on the quote, while staying in the boundaries of honesty

 

[Joshy]

Thought the reasoning was the in a garage thefts have a long more time to "hotwire" without being detected.

Not that many cars are pinched through hotwiring anymore...

 

[Jono8]

I just find it hilarious that it is cheaper to park it in a railway car park...