MITCHF Posted May 18, 2011 Report Share Posted May 18, 2011 Spent this morning trying to get insurance for my 18yr old son, passed his test 9m ago, done pass plus, no convictions and no accidents. With me as a named, full DL for 30 yrs, full NCB, No points. Looked at a £400 1999 Suzuki Swift 1.0L. Best qoute £2800, highest, get this.............£7300. On a 12 yrs old £400 banger . The world has gone ''''''' potty. :wacko: Is it any wonder there are so many illegal drivers on the roads. When will the government step in. He's going to have to stay as an occasional driver on his Mother's car for years (Don't preach to me on this point, I really don't want to hear it) Quote Link to comment Share on other sites More sharing options...
al4x Posted May 18, 2011 Report Share Posted May 18, 2011 check which insurers give named drivers no claims on policies, I'm fairly sure direct line do. Might be a way of getting him some which makes a big difference Quote Link to comment Share on other sites More sharing options...
CZ550Kevlar Posted May 18, 2011 Report Share Posted May 18, 2011 Sureterm are doing a good 4 x 4 policy, no mods needed and cost me £215 fully comp, 5 years experience, 0 no claims bonus on a 1.3 daihatsu terios worth about £500. plus i have 3 points for speeding goods vehicle and a £4500 accident claim that was deemed my fault. Quote Link to comment Share on other sites More sharing options...
Beretta28g Posted May 18, 2011 Report Share Posted May 18, 2011 Try quinn direct, they would probibily do him a policy for around £1300. Quote Link to comment Share on other sites More sharing options...
SPARKIE Posted May 18, 2011 Report Share Posted May 18, 2011 It's cheaper to pay the fine if ya get cought driving without insurance. Quote Link to comment Share on other sites More sharing options...
AVB Posted May 18, 2011 Report Share Posted May 18, 2011 Spent this morning trying to get insurance for my 18yr old son, passed his test 9m ago, done pass plus, no convictions and no accidents. With me as a named, full DL for 30 yrs, full NCB, No points. Looked at a £400 1999 Suzuki Swift 1.0L. Best qoute £2800, highest, get this.............£7300. On a 12 yrs old £400 banger . The world has gone '''''ng potty. :wacko: Is it any wonder there are so many illegal drivers on the roads. When will the government step in. He's going to have to stay as an occasional driver on his Mother's car for years (Don't preach to me on this point, I really don't want to hear it) I hear what you are saying but the cost of you banger has little to do with it. The simple fact is that a £400 banger can cause as much damage as a £50,000 car. The only difference is the cost of replacing the £400 banger compared to the £50,000 car. The actuaries would have done their work and calculated the risk of the damage that your 18 year old son can cause and the likeyhood of him doing it. And unfortunatly the chances are that he will have an accident and that is why it costs a lot. Does he have to drive now? Can he not wait a year or two? At which point it will become cheaper. It does sound a lot though. My son had a car from the age of 19 (he is 20 now) and for a two year old fiesta I am sure he was paying circa £1,000 Quote Link to comment Share on other sites More sharing options...
Imperfection Posted May 18, 2011 Report Share Posted May 18, 2011 It's cheaper to pay the fine if ya get cought driving without insurance. Sadly this is true.Whenever i see the various traffic cop style shows and they catch uninsured drivers-they usually get a £200 fine plus points.So provided they can get away with not being stopped too often and dont draw attention to themselves its cheap motoring. Quote Link to comment Share on other sites More sharing options...
spence Posted May 18, 2011 Report Share Posted May 18, 2011 I know each case is different, area etc. and it's more for the boys but my daughter (19) renewed her policy this morning with Swinton, a 1994 Pug 106 1.0L for £680 fully comp Passed test 1 year, 2 years NCD. Yes more than we paid for the car a couple of years ago but as above that's not the issue. If you haven't, try them. All the companies we looked at all use Sabre as the underwriter so it's down to how much the broker wants to make. Swinton were the cheapest and were offering the lowest excesses. HTH Quote Link to comment Share on other sites More sharing options...
Shuck. Posted May 18, 2011 Report Share Posted May 18, 2011 Sadly this is true.Whenever i see the various traffic cop style shows and they catch uninsured drivers-they usually get a £200 fine plus points.So provided they can get away with not being stopped too often and dont draw attention to themselves its cheap motoring. Just make sure you don't crash and you're all good. Unfortunately this is the country we live in, also OP, Pass Plus is a bl**dy waste of money, and you find out right after you pay for it and get your first quote. You: "£2800, Christ! Are you putting down Pass Plus?" Insurance: "Uhhh.. Yeah, why not" Quote Link to comment Share on other sites More sharing options...
AVB Posted May 18, 2011 Report Share Posted May 18, 2011 It's cheaper to pay the fine if ya get cought driving without insurance. It is but not morally right IMHO. It lumbers the person you crash into and is one of the reasons we all pay more. Quote Link to comment Share on other sites More sharing options...
leeds chimp Posted May 18, 2011 Report Share Posted May 18, 2011 Just make sure you don't crash and you're all good. Unfortunately this is the country we live in, also OP, Pass Plus is a bl**dy waste of money, and you find out right after you pay for it and get your first quote. You: "£2800, Christ! Are you putting down Pass Plus?" Insurance: "Uhhh.. Yeah, why not" pass plus is not a waste homogney at all to some companies its worth 1 or 2 years no claimsgive prudential a call as i had 3 years with them after i passed and they were the cheapest each year by alot or Google pass plus insurance Quote Link to comment Share on other sites More sharing options...
guest1957 Posted May 18, 2011 Report Share Posted May 18, 2011 It is but not morally right IMHO. It lumbers the person you crash into and is one of the reasons we all pay more. And you might just find their insurance company suing you to recover their costs... Quote Link to comment Share on other sites More sharing options...
Harnser Posted May 18, 2011 Report Share Posted May 18, 2011 What we must remember is that the insurance companys know were the risk is . It dosent end at payiny out for a £400 banger that you may right off ,but also for the other car or cars and for injuries damages that can run into many thousands of pounds . Harnser . Quote Link to comment Share on other sites More sharing options...
Ricko Posted May 18, 2011 Report Share Posted May 18, 2011 Posted about this a while back. Ins. costs went up by 40% last Nov. My own was a shock up from £350 to nearly £500 (40 yr old, 05 Mondeo, SP30 conv. rural loc.) Quote Link to comment Share on other sites More sharing options...
MITCHF Posted May 18, 2011 Author Report Share Posted May 18, 2011 (edited) What we must remember is that the insurance companys know were the risk is . It dosent end at payiny out for a £400 banger that you may right off ,but also for the other car or cars and for injuries damages that can run into many thousands of pounds . Harnser . There's always one So you think between £2800 and £7300 per year is fair and realistic. Hope you don't get hit/hurt by an un-insured driver Harness. But the reality is, it's going to happen to more and more drivers due to the spiralling insurance premiums that young people cannot afford. Edited May 18, 2011 by MITCHF Quote Link to comment Share on other sites More sharing options...
rcooke25552 Posted May 18, 2011 Report Share Posted May 18, 2011 I'm 17. 1 year no claims from moped on an n reg Corsa £2900 cheapest. £33000 most expensive. Coop are cheap too. Quote Link to comment Share on other sites More sharing options...
libs Posted May 18, 2011 Report Share Posted May 18, 2011 I, for one, am fed up of being bent over and taken roughly from behind by insurers. However there is sod all I can do about it, its the law, and theres no avoiding it. But Admiral could at least buy me dinner before they bill me next time, I like to be wined and dined before I get ****** Quote Link to comment Share on other sites More sharing options...
Imperfection Posted May 18, 2011 Report Share Posted May 18, 2011 Males between 17-24 have always been the age group which historically have more accidents,but i think nowadays insurance companies are using it as an excuse to hike premiums amd fleece motorists.When i was about 20,cars only went upto group 7 and by engine capacity so a Renault 5GT turbo with a titchy little 1.4 engine cost me something silly like £150 to insure.I dread to think what a similarly aged chap would pay now.There should be an insentive to encourage younger motorists to do the right thing and insure their cars because as i stated earlier-the chances of being caught and subsequant fine equals cheap motoring. Quote Link to comment Share on other sites More sharing options...
highseas Posted May 18, 2011 Report Share Posted May 18, 2011 It's cheaper to pay the fine if ya get cought driving without insurance. thats the truth too! its no wonder young lads dont have insurance! mine was quoted at £1800 for a suzuki 4+4 :blink: Quote Link to comment Share on other sites More sharing options...
berties Posted May 18, 2011 Report Share Posted May 18, 2011 The reason insurance goes up is every accident that occurs is sold to a solicitor for £800 and then you get a medical triage involved and a physio who recommends £500 worth of treatment , all expenses are calculated,a third party doctor writes a report,the solicitor puts price on it for compo and then a cheque gets written,where as it used to be a couple of grand to get the car fixed and that was it,and insurance companies got 30% off them,we are in a where there's a blame culture ,and the stats show young drivers are at risk of a accident Quote Link to comment Share on other sites More sharing options...
guest1957 Posted May 18, 2011 Report Share Posted May 18, 2011 Of course, if you can deposit £500,000 with the Accountant General of the Senior Courts, under s.144(1) of the Road Traffic Act 1988 you are exempt from the requirement to insure... Quote Link to comment Share on other sites More sharing options...
charliebrown Posted May 19, 2011 Report Share Posted May 19, 2011 pass plus is not a waste homogney at all to some companies its worth 1 or 2 years no claims give prudential a call as i had 3 years with them after i passed and they were the cheapest each year by alot or Google pass plus insurance When I looked into doing the course after I had passed I found the ones that gave a discount for Pass Plus were generally the very expensive companys, all the pass plus did was reduce the quote to just above what cheaper insurers wanted without the pass plus. This was about 8 years back, so things might have changed. I managed to write of two cars, one in quite spectacular style, within 2 years of driving so can understand why the insurance is steep for teenagers. The quotes you get as a 19 year old with a claim on record certainly makes you drive with a bit more care! Quote Link to comment Share on other sites More sharing options...
leeds chimp Posted May 19, 2011 Report Share Posted May 19, 2011 i did pass plus 8 years ago cheapest were prudential at 660 with pass plus i think the rest were £1plus Quote Link to comment Share on other sites More sharing options...
charliebrown Posted May 19, 2011 Report Share Posted May 19, 2011 i did pass plus 8 years ago cheapest were prudential at 660 with pass plus i think the rest were £1plus Sounds like you got a result then. Admiral were cheapest for my first lot of insurance, but I think I still paid £1100 on a P reg 1litre Citroen AX, one thing that helped get it down was to have my mum on as a named driver which took a few quid off the total. I seem to remember getting a quote from Adrian Flux insurance brokers that was second cheapest. They specialise in individualy tailored policys or somthing. Quote Link to comment Share on other sites More sharing options...
al4x Posted May 19, 2011 Report Share Posted May 19, 2011 There's always one So you think between £2800 and £7300 per year is fair and realistic. Hope you don't get hit/hurt by an un-insured driver Harness. But the reality is, it's going to happen to more and more drivers due to the spiralling insurance premiums that young people cannot afford. so what you're saying is the rest of us should subsidize young drivers? Quote Link to comment Share on other sites More sharing options...
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