How do they expect young people to drive?
Driving, driving lessons, vehicles...
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How do they expect young people to drive?Seriously, I have been looking around for the last week for any reasonable car insurance quote. The lowest quote I could find is £9,000 and that was on a young drivers insurance website!
Seriously, I don't know how some people afford to drive, especially students!!!
It is so unfair on young people. I mean, some young people can drive better than older people. Age shouldn't come into it!
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Re: How do they expect young people to drive?Car insurance companies and the goverment who allow this to happen!(Original post by Mr Dangermouse)
Who's "they"? -
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Re: How do they expect young people to drive?Well people do it by being put on the insurance of their parents' car. Being the main driver when your only down as 'side driver' is illegal but insurance for new, young drivers is ridiculous so what do 'they' expect.
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Re: How do they expect young people to drive?What car do you have?! Sounds like something v powerful. Unfortunately, if you want a reasonable (when I say "reasonable" I mean about £2000 max, not really reasonable but anyway) insurance quote you need to get a car with a small engine. No point in having a Range Rover if it's £5000 to insure every month (although I would LOVE a Range
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Re: How do they expect young people to drive?Unfortunately, driving is expensive and it's not a right. You have to wait until you can afford to. The reason insurance is expensive is that young people often have expensive accidents, and until you've got a few years driving experience it's near enough impossible to tell who is and isn't likely to have an accident. There's no point saying 'oh but I'm a really careful driver' - I had two accidents after passing my test, neither of which was to do with not being careful, and one in particular I would probably not have had with a bit more experience.
If you're wondering why insurance has gotten so expensive in the last few years, there are a few reasons, primary ones being 1) the insurance companies used to invest in stock markets, which effectively subsidised the cost of insurance. Now they don't see the returns they used to, so premiums go up 2) the rise in no win-no fee lawyers and fraudulent personal injury claims and 3) the use of accident management companies, automatic courtesy cars etc. (it's often the cost of providing a courtesy car that will push a £4-5k into write-off territory). -
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Re: How do they expect young people to drive?I passed my test right at the start of this year but haven't driven a car since because it's too expensive. Pretty anticlimactic.
Instead I'll have wait until I've reached the arbitrary age of 21 when suddenly, having not driven for 3 years, I am considered a far more reliable driver by insurance companies. Cycling it is until then. -
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Re: How do they expect young people to drive?They don't. They're basically trying to make the cost prohibitive.(Original post by slacker07906)
Car insurance companies and the goverment who allow this to happen! -
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Re: How do they expect young people to drive?Tbh mine has got no better as Ive got older!
Last year it was 500 quid, this year - 1 years extra no claims, one year older, everything else the same - 580 quid!! Why? How?? The value of the insurance is MORE than the value of the car, which at 23 years old wasnt something I was expecting. -
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Re: How do they expect young people to drive?Which would have to be paid for by an increased tax burden for all?(Original post by Repressor)
I would like to see a similar scheme to that they have in parts of Austrailia, where if your car is taxed, it has third party insurance.
Things have become way out of hand in the UK.
No thanks.
The insurance industry is a competitive industry. There's not some wheeze going on. Unfortunately accidents among 17/18 year olds are common and insurances is priced as such. -
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Re: How do they expect young people to drive?Try switching providers?(Original post by Riderz)
Tbh mine has got no better as Ive got older!
Last year it was 500 quid, this year - 1 years extra no claims, one year older, everything else the same - 580 quid!! Why? How?? The value of the insurance is MORE than the value of the car, which at 23 years old wasnt something I was expecting.
Every company bumps up the price yearly if you just let them auto renew it. -
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Re: How do they expect young people to drive?Every young driver I know, except 2-3, has crashed a bit. I know at least 7 who've written their cars off.
I realise I'll get negged for this but young drivers crash, a lot. Then, after they crash, their cars are either damaged or written off. In the case of them being written off it is highly unlikely that they'll be driving again soon, so insurance companies have to try to get enough money in a few months to cover the cost. If their car is damaged their parents may think again about letting them drive. And so insurance companies only have a little time to get enough money in to cover the cost off young drivers having accidents.
When they're older, however, people are more likely to need a car (commuting) rather than want one (independence). And so insurers know they will keep getting money, even after a crash, therefore they can keep the prices down.
They only way to make it less expensive is if all of us younger drivers try to be more vigilant, try to see the speed limit as a limit rather than a target and try to predict what other road users will do rather than plowing on because we are in the right (e.g. don't go out at a roundabout just because the driver on it to your right is indicating left and so should leave before you get on, wait until they actually start to turn off.).Last edited by Ch1pp0; 15-05-2012 at 17:20. -
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Re: How do they expect young people to drive?Don't count on it, I didn't notice a big change. Mind you I've found the same as Riderz, haven't had a reduction in premium for a couple of years while building up more NCB and experience.(Original post by Crushy)
I passed my test right at the start of this year but haven't driven a car since because it's too expensive. Pretty anticlimactic.
Instead I'll have wait until I've reached the arbitrary age of 21 when suddenly, having not driven for 3 years, I am considered a far more reliable driver by insurance companies. Cycling it is until then. -
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Re: How do they expect young people to drive?And you're a guy...(Original post by jermaindefoe)
Keep looking or get a less powerful car?!
mine was about 1500 for the first year, not too bad really in the grand scheme of things
Please tell us how this wasn't back in 2004 around.
I personally have tried 0.5L cars just to check the prices and I can't beat £3000 for most, if not all.
The best I could get was around £2000 with a voluntary excess of £1000.
