Young persons insurance

Blackhawk47 · 15 Jan 2011 at 16:44

mglover070588 said:
May be I should ask my Grandma what she paid when she was 17 then post:
'I knowz best 'cos I paid £36 for my first year of insurance'.

Don't post crap, I do not know how old you are but if you are telling the truth then you clearly weren't a teenager in the last 10 years.

He is like my age which is 19...

SlyReaper · 15 Jan 2011 at 16:52

mglover070588 said:
Unfortunately, you are correct. Stupid isn't it!

Out of interest, what is the fine for driving uninsured?

OpenToSuggestions · 15 Jan 2011 at 16:53

SlyReaper said:
Out of interest, what is the fine for driving uninsured?

There was a motorway cops on the other night and a lorry driver was driving without a license (scary or what) and he got 6 points and £500 iirc.
Best that someone in the Police can give a better idea though.

SlyReaper · 15 Jan 2011 at 16:56

How could he get points if he didn't have a license?

But a £500 fine? Insuring my car for one year costs more than that, and I'm a 24yo driving an Astra. If I were less risk-averse, I might be tempted to risk it, because even if I got caught I'd be better off.

Blackhawk47 · 15 Jan 2011 at 16:56

mglover070588 said:
There was a motorway cops on the other night and a lorry driver was driving without a license (scary or what) and he got 6 points and £500 iirc.
Best that someone in the Police can give a better idea though.

There was also a thread on here not long ago.

http://forums.overclockers.co.uk/showthread.php?t=18229319

SlyReaper said:
How could he get points if he didn't have a license?

But a £500 fine? Insuring my car for one year costs more than that, and I'm a 24yo driving an Astra. If I were less risk-averse, I might be tempted to risk it, because even if I got caught I'd be better off.

Expect you will find yourself losing your license? Six points in the first two years iirc means you have to retake the test. So might as well go the whole hog and not bother paying for driving lessons, taking the test/passing, and just drive uninsured, untaxed and no license. :rolleyes:

Randomface74 · 15 Jan 2011 at 16:57

Car insurance ruins young people's lives.

So much money wasted. vs. So many opportunities lost.

Sad times.

Lethal` · 15 Jan 2011 at 17:03

IN10 is 6-8 points. Although most of the time it seems to be 6 points + £200 fine.

SlyReaper · 15 Jan 2011 at 17:07

Blackhawk47 said:
There was also a thread on here not long ago.

http://forums.overclockers.co.uk/showthread.php?t=18229319

Expect you will find yourself losing your license? Six points in the first two years iirc means you have to retake the test. So might as well go the whole hog and not bother paying for driving lessons, taking the test/passing, and just drive uninsured, untaxed and no license.

1. I've been driving more than 2 years.
2. The points come off after three years, so as long as you get caught less than once every three years, you're laughing.
3. Taking the driving lessons reduces the chance of getting caught, because you'll be less likely to drive like a twit and attract the attention of the rozzers.

I'm not saying it's something I'd do, but the fact it's even possible to game the system like that is shocking.

killerk · 15 Jan 2011 at 17:09

Quinn used to be the cheapest however i know believe its admiral. Their call centres are a nightmare tho so just hope you never have to call them!!!

Blackhawk47 · 15 Jan 2011 at 17:36

SlyReaper said:
1. I've been driving more than 2 years.
2. The points come off after three years, so as long as you get caught less than once every three years, you're laughing.
3. Taking the driving lessons reduces the chance of getting caught, because you'll be less likely to drive like a twit and attract the attention of the rozzers.

I'm not saying it's something I'd do, but the fact it's even possible to game the system like that is shocking.

1. Well the OP states here:

jam pie said:
Any suggestions, or is it a case of 17 year olds just have to wait a couple of years before being scammed by insurance firms?

As for the rest, its still illegal anyway you look at it, and police have a right to take your car away and scrap it so you would end up buying a new car. And I would have thought some jail time if your a repeat offender.

Meatball · 15 Jan 2011 at 17:38

OP have you tried insurance where they install trackers in the vehicle and limit the times you can drive? I don't know any companies from the top of my head but apparently it's the way to go for young drivers.

EDIT

Google reveals:
Coverbox
Insure The Box

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Werewolf · 15 Jan 2011 at 17:45

SlyReaper said:
How could he get points if he didn't have a license?

But a £500 fine? Insuring my car for one year costs more than that, and I'm a 24yo driving an Astra. If I were less risk-averse, I might be tempted to risk it, because even if I got caught I'd be better off.

For anyone without a licence who commits am offence that results in points, the DVLA create a "reference" for them on the system, which holds the points.
If they ever go for a proper licence the reference on the computer carries over.

It's the way they keep track of offences by people with foreign licences, under age drivers and those that are of an age to drive but haven't bothered with the legal route.

Selekt0r · 21 Jan 2011 at 15:13

My daughter just passed her test today

I knew the insurance wouldn't be cheap (she is only 17), but the wife has been quoted £193 to add her to her policy for one month (on a 1.0 Micra). This will give her a few weeks to do the pass plus - and hopefully bring it down a little. Thankfully the wife's policy is up for renewal in 3 months so we can shop around a bit then.

Ouch