Elby Posted May 19, 2011 Report Share Posted May 19, 2011 Is the policy in your name and he's a named driver or the other way round. If the latter and you have another car they won't believe it is not him that will be driving it the most Quote Link to comment Share on other sites More sharing options...
jasons gold Posted May 19, 2011 Report Share Posted May 19, 2011 so what you're saying is the rest of us should subsidize young drivers? Why not we have been doing it for women, for years. but not for much longer Don tin hat smile lol Quote Link to comment Share on other sites More sharing options...
Lloyd90 Posted May 19, 2011 Report Share Posted May 19, 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 The insurance companies are the ones that sell them to the solicitors in 90% of the cases, Phone up and tell your insurance that you have been involved in a car accident, tell no one else. I can guarantee you they or someone they give your info to will call you up asking if you want to make a claim! Insurance companys do more compo claims than anyone, most of them have there own legal teams! Quote Link to comment Share on other sites More sharing options...
Boromir Posted May 19, 2011 Report Share Posted May 19, 2011 Sorry to hijack the thread but if i was insured and crashed into a car that wasnt insured and it was my fault would the uninsured driver be able to claim of me? Quote Link to comment Share on other sites More sharing options...
debaser Posted May 19, 2011 Report Share Posted May 19, 2011 Sorry to hijack the thread but if i was insured and crashed into a car that wasnt insured and it was my fault would the uninsured driver be able to claim of me? Yep, but if you think that's bad...... If your car was nicked and then crashed, a passenger in the car could claim of your insurance! Quote Link to comment Share on other sites More sharing options...
berties Posted May 19, 2011 Report Share Posted May 19, 2011 (edited) The insurance companies are the ones that sell them to the solicitors in 90% of the cases, Phone up and tell your insurance that you have been involved in a car accident, tell no one else. I can guarantee you they or someone they give your info to will call you up asking if you want to make a claim! Insurance companys do more compo claims than anyone, most of them have there own legal teams! This is based on my on going claim ,and am still unable to shoot at present ,I have legal expences and have only ever spoken to my dedicated solicitor but it still has to put up insurance!the accident was caused by a first year driver playing with his phone driving in flip flops with out a care in the world,stats still show a young driver will have a prang in the first year Edited May 19, 2011 by berties Quote Link to comment Share on other sites More sharing options...
DuncanH Posted May 19, 2011 Report Share Posted May 19, 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 I looked in to that, turns out the no claims is only valid to them, doesn't count if you were to change insurers. I'm 21 and have a Freelander inherited from my dad, my insurance 3 days ago was about £650 fully comp with mum and dad as named drivers, surprising how much that brings in down by and all legal! My family are now on a multi car policy which reduced the price by £100, was originally £750. Quote Link to comment Share on other sites More sharing options...
imissalot Posted May 20, 2011 Report Share Posted May 20, 2011 It's cheaper to pay the fine if ya get cought driving without insurance. wot about the poor family whos kid he could run over (not that he will or has could be any one driving) ,im a family man normal job 4 cars all tax test insurance them Quote Link to comment Share on other sites More sharing options...
njc110381 Posted May 20, 2011 Report Share Posted May 20, 2011 Insurance companies are robbing ****es there's no doubt about it. My recent experience suggests they just pick a number out of the sky to hand out. It's not long ago I insured my Defender. It's got a whacking great galvanised steel winch bumper bolted to the front and no immobiliser or alarm. Seatbelts but that's about it for passenger safety. I want to change it to a Ford Ranger of similar value - plastic bumper, alarm, immobiliser, airbags - all the things you'd want a vehicle to have if it had a minor knock (wouldn't do much damage in comparison) or a more serious one (the occupants of the truck would be much safer). It's also ten times harder to steal because a blind monkey with a coat hanger could get into and start a Defender! The Ranger insurance was over £100 more than the Defender even after I offered to garage it (the Defender doesn't fit). Figure that one out?! Quote Link to comment Share on other sites More sharing options...
dougall Posted May 20, 2011 Report Share Posted May 20, 2011 just seen this thread... For my son 1st year went with QUinn,cost about value of car with big excess. Now do admiral multicar,have 4 cars 2 boys cars etc,cost has fallen dramatically and they are 1st named on the cars they drive.Be very careful going down your car them as named driver if it is in reality your sons car..they won't pay out. 2 yrs ago with Quinn a £1,500 value Peugeot 106 cost me £900 with 500 excess best I could get,same son/car now 19 costs me £400.Try upping excess? ATB Quote Link to comment Share on other sites More sharing options...
vole Posted May 20, 2011 Report Share Posted May 20, 2011 Is there not a danger that young folk are going to find it more difficult to get into the labour market or higher education if they are squeezed off the road ? I concede they are massively high risk having been in written off cars once or thrice so have to pay accordingly but maybe imposing conditions such as no driving after 8 pm ,limited passengers and no heavy petting while driving ? Quote Link to comment Share on other sites More sharing options...
Aled Posted May 20, 2011 Report Share Posted May 20, 2011 Has your boy left school and is he a student or working?? Reason i ask when i had my first car because i was a student/ "part time farmer" (my parents had a small holding) my insurance with the NFU was the best available. However NFU for me as a 40yr old man is one of the worst out there, cancelled them yesterday and am now insured with M&S for £220pa cheaper! So whatever you do shop around it is worth it. Cheers Aled Quote Link to comment Share on other sites More sharing options...
Vince Green Posted May 20, 2011 Report Share Posted May 20, 2011 Actually insurance companies struggle to make any money out of private car insurance mainly because the cost of claims is going through the roof. Bogus claims and highly inflated claims by no win no fee solicitors are the real culprits. Some of the scams are so blatent and gross they make you sick. Its not at all unusual for a simple bumper to bumper scrape to end up costing over £20,000 mainly because of ridiculous courtesy car charges. £250 a day is normal. £400-500 a day not uncommon, and then the repair is delayed for a couple of weeks "waiting parts. How predictable. The insurance companies have no choice but to put up prices and have to use price to deter the higher risks. A friend of the family wanted to give my son an old Hyundai in beautiful condition but still only worth £400. Best quote on Gocompare for third party was £7,700 with many of the companies declining to quote. They don't expect anybody is ever going to actually pay that Quote Link to comment Share on other sites More sharing options...
njc110381 Posted May 20, 2011 Report Share Posted May 20, 2011 I think that once people have had one their fault accident they should be shafted to cover the costs. I paid a fortune for insurance when I was a kid, I've gone 12 years now and only had one accident that wasn't my fault. There was no way on earth I could have avoided it - if I was doing 10mph in the 30 limit I still wouldn't have stopped. Yet I knew a guy who had been banned for DD three (yes three) times and was in his late forties. He paid less than I did! I mean come on - what's that about? He was clearly a ****, pure and simple! There has to be a way around it somehow. You can't tar all youngsters with the same brush because I've known some very sensible ones. And some very stupid older people too. Quote Link to comment Share on other sites More sharing options...
mikky Posted May 22, 2011 Report Share Posted May 22, 2011 had the same problem with my lad...17yrs old had to pay last year....£3200 as a named driver on a ford fiesta worth £500 ...this year we have gone on Admiral multicar...got him fully comp on the fiesta,got my daughters 1 year old Peugeot and my 3 yr old Focus all fully comp for........£2800,his has come down £400 and our other two included in the £2800 !the only down side is they have put all the excess up to £750 on all three cars. As we were on the computer sorting it all out with admiral i rang my old insurers and they dropped the quote from £3200 ( for my lad ) to £1600 but still as a named driver me thinks we are all being stitched up give Admiral a try mikky Quote Link to comment Share on other sites More sharing options...
Harnser Posted May 22, 2011 Report Share Posted May 22, 2011 (edited) 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. I didnt say it was fair ,but it is realistic . The isurers know where the risk is . Its a commercial deciscion why they charge such high premiums for young drivers ,being fair is not something they concider ,making money is .They dont want young males on their books . Incidently I have fully comp insurance with bonus protection ,earnt over the years by being a careful driver . Incidently only a couple of weeks ago my wife was driving her brand new car ,less than two weeks old and less than 200 miles ,when an 18 year old youth drove straight into the side of her on tescos carpark . I didnt see you he said . He was insured and his insurers have paid for the damage . He had only been driving for 6 weeks ,god know how much his quote will be next year . Harnser . Edited May 22, 2011 by Harnser Quote Link to comment Share on other sites More sharing options...
reddan Posted May 22, 2011 Report Share Posted May 22, 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... so what you're saying is the rest of us should subsidize young drivers? Sadly its just one of those things that happens to everyone. I paid £1200 a year when I first started driving. Insurance companies are robbing ****es there's no doubt about it. My recent experience suggests they just pick a number out of the sky to hand out. It's not long ago I insured my Defender. It's got a whacking great galvanised steel winch bumper bolted to the front and no immobiliser or alarm. Seatbelts but that's about it for passenger safety. I want to change it to a Ford Ranger of similar value - plastic bumper, alarm, immobiliser, airbags - all the things you'd want a vehicle to have if it had a minor knock (wouldn't do much damage in comparison) or a more serious one (the occupants of the truck would be much safer). It's also ten times harder to steal because a blind monkey with a coat hanger could get into and start a Defender! The Ranger insurance was over £100 more than the Defender even after I offered to garage it (the Defender doesn't fit). Figure that one out?! They know that if you landy gets nicked it will break down shortly after and will be recoverable Quote Link to comment Share on other sites More sharing options...
paulf Posted May 22, 2011 Report Share Posted May 22, 2011 When I started driving at 17 I was paying £3000 on a 7 year old 2.0 l mondeo. These days with three claimsagainst me from my first 4 years of car ownership and aged 29 i pay £900 on each of my vehicles a Navara and a transit. My twin brother who passed the same year as me also has two claims against him, point is its no wonder the premiums are high young drivers are high risk. I have always looked at it as the cost of motoring and living rurally have no choice but to drive. Quote Link to comment Share on other sites More sharing options...
Dirty Harry Posted May 23, 2011 Report Share Posted May 23, 2011 Don't be tempted to go without insurance. If I stop a car I do not let it go until I am 100% happy with the insurance. If it's uninsured it will be seized. The cost of recovery is £150 and £20 for every day of storage up to 7 days. If you can't sort insurance out to claim it back it will be crushed or sold and you still get billed. You would be reported for driving without insurance and get a £200 ticket and 6 points or get a summons to court where the fine can be increased and would have to pay expenses. If you have held your license for less than 2 years it would be revoked. This means you would have to go through the whole theory and pratical test again. If you already have 6 or more points you would get banned. Both of these would dramatically increase future premiums. £200 fine £150 recovery £140 storage £31 new theory test £75 driving test = £596 + £££ new car + £££ court costs + ££££ getting insurance. Not really a cheep option when you add it all up and this does not take into account the inconvenience factor because we will catch you with your family on board loaded up to go on holiday, going to an interview or on a first date! Harry Quote Link to comment Share on other sites More sharing options...
Dr W Posted May 23, 2011 Report Share Posted May 23, 2011 When I started driving at 17 I was paying £3000 on a 7 year old 2.0 l mondeo. These days with three claimsagainst me from my first 4 years of car ownership and aged 29 i pay £900 on each of my vehicles a Navara and a transit. My twin brother who passed the same year as me also has two claims against him, point is its no wonder the premiums are high young drivers are high risk. I have always looked at it as the cost of motoring and living rurally have no choice but to drive. Are you two playing bumper cars? Quote Link to comment Share on other sites More sharing options...
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