Car-ikey

[Thracian]

Just got a quote for my lad's first car insurance...£1300.

That's three times (plus a bit) of the £400 value of the car he's getting.

New driver admittedly but with no accidents, no convictions etc and perfectly willling to pay for additional driving tuition.

Funny how selective Blair is. He's right up America's arse in many ways but not where driving is concerned.

For a start, in New Mexico for instance, their kids can drive from aged 15. They don't even have to have insurance (and many don't) although it is encouraged. And the driving tuition they are expected to take is more prolonged, more thorough and likely to encourage responsible driving.

The figures I quote are scandalous - a direct attack on a young persons ability to make a good start in life and, for poorer people, a major handicap against securing worthwhile employment .

It is time pressure was brought to bear for a change.

[computingelite]

Just got a quote for my lad's first car insurance...£1300.

That's three times (plus a bit) of the £400 value of the car he's getting.

New driver admittedly but with no accidents, no convictions etc and perfectly willling to pay for additional driving tuition.

Funny how selective Blair is. He's right up America's arse in many ways but not where driving is concerned.

For a start, in New Mexico for instance, their kids can drive from aged 15. They don't even have to have insurance (and many don't) although it is encouraged. And the driving tuition they are expected to take is more prolonged, more thorough and likely to encourage responsible driving.

The figures I quote are scandalous - a direct attack on a young persons ability to make a good start in life and, for poorer people, a major handicap against securing worthwhile employment .

It is time pressure was brought to bear for a change.

143551[/snapback]

He's a new driver but hasn't had any accidents? Heavens, would you believe it??!?!

What car did you get the quote for specifcly and how many different insurance companies have you tried? As with everything, when you're buying something or looking for quotes you have to shop around. I've been looking for insurance quotes on certain car models lately which range from £1800 TPTF at certain insurance companies to £800 TPTF for the same car but with a different insurance company.

Personally, I've found Direct Line do the best quotes. When young lads have first passed their driving tests they usually get small cars as they are obviously cheaper to insure and more economical. That's what I did when I passed my test, got a 1.1 Fiesta Classic, now I'm looking for a 1.6 hatchback of any decent enough type and the insurance will be about the same because I've been driving for nearly 5 years.

You're not quoting him for insurance on Imprezas or anything like are you? Otherwise the quotes will go through teh roof. The reason why the insurance is so expensive is because us males bring it on ourselves by being careless and having more accidents than women. That's why the insurance companies can bolt the prices up for young lads who are more prone to having accidents than anyother type of driver.

Personally I think 15 is way too young an age to be getting behind the wheel of a piece of metal which weighs more than a tonne. But that's just me. At 15, kids are far too irresponsible and wreckless and most think that they can go out driving like Michael Schumacher and get away with it. Can most kids of 15 even touch the pedals ?

The figures are high for young males but I've already said why. He will have to live with the fact, like I and every other sensible lad who was 18 did, that he'll have to make do with a modest car with a small engine until he can build up his no claims, gets older, drives responsibly and watches his insurance go down each year.. The insurance on smaller cars are cheap and you can find good conditioned cars which are cheap and cheerful to run.

Another point is that if the car costs £400 then there's no point getting fully comp insurance. Why bother if the cars only worth that much. Go for TPTF and if the car does get written off or smashed into and isn't drivable then you're not going to regret it as much as say if you bought a £1500 motor and didn't get fully comp.

[Alexikokopops]

When I started driving it worked out cheaper for my dad to insure my mum's car for anyone over the age of 17 (with his permission), which cost about £400 with a lot of no claims.

Too cheap to afford my own car.

[Jay]

I believe you can take an advanced driving course which will lower the premium but following on from what you say I certainly don't think 15 year old kids should drive and just becuase in a backwards state like New Mexico you don't have to have insurance does it doesn't mean it's a great idea, infact IMO it's a stupid idea

[Guest]

I think I'd rather pay out in the short term than lose out in the long term when an uninsured driver writes my car off.

As for driving at 15, I don't think so! There are plenty of young drivers nearer 50 who are a danger to other road users let alone giving them over a tonne of metal when they are less mature.

[Thracian]

I believe you can take an advanced driving course which will lower the premium but following on from what you say I certainly don't think 15 year old kids should drive and just becuase in a backwards state like New Mexico you don't have to have insurance does it doesn't mean it's a great idea, infact IMO it's a stupid idea

143562[/snapback]

From my limited experience I wonder if areas of England would benefit from being as "backward" as new Mexico!.

In the family of my sons fiance, all the children are attending or are about to attend University and all have the prospect of outstanding careers in medicine and research.

All have travelled the world and all seem extremely hard-working, motivated, adaptable, well-mannered, well-informed, interesting, capable and consciencious. Some of their laws do seem strange but they also seem to have a sound basis.

I don't, for instance, hear that lots of 15-year-old drivers are getting killed in New Mexico.

PS My "no accidents" comment was made to emphasise that the premium is high BEFORE he has done anything wrong. A bit like shooting the suspect before finding out if he's guilty, I suppose.

Anyway, I do take the point about the advanced driving test and the general opinion of posters that you don't consider that insurers are being unfair to young people.

[Guest]

Anyway, I do take the point about the advanced driving test and the general opinion of posters that you don't consider that insurers are being unfair to young people.

143579[/snapback]

I think the fact we've all been there means that whilst we might be sympathetic, why should they get away without it, when we've had to pay up?

[Thracian]

Anyway, I do take the point about the advanced driving test and the general opinion of posters that you don't consider that insurers are being unfair to young people.

143579[/snapback]

I think the fact we've all been there means that whilst we might be sympathetic, why should they get away without it, when we've had to pay up?

143583[/snapback]

Cos older people should help provide a better future for the young not worse.

[Matt]

My insurance is £1500 on a 4 year old Corsa (W Reg) my car cost me £2995, But it was on the forecort for £3995 so they dropped the price by a £1000 so can't complain.

Originally my insurance was £1700 but I did my pass plus to get it lowered, and I actually recived a cheque back a.s.a.p for £200 so can't complain at that either.

Next year i'm budgetting for £1500 again but I am expecting my insurance to be around £1000 which is still alot of money but I will be happy paying £1000 insurance, luckly I have pretty much worked full time ever since leaving school so I am/was earning around £150 per week so I put that in the bank, I also had £3000 tucked away in the bank before all of that, so I could afford to pay both my car and insurance straight away!

This year I am only budgetting for my insurance because I can only really afford that because my car and this years insurance has cleared me out, but in 2 years I am planning for a new car preferably a Golf or something like that, but in 2/3 years time I also plan to go to Australia to go and 1st do a working holiday with possiblity to live, I want to have my career over in Australia, in they career I want to do there is more work over there than in England, I am training to be a Carpenter, house's are made of timber over there, so I would get a job no problem, The Australian government are also paying people like me to go over there and work - Something OUR government should be doing! We have enough teachers/doctors/psyhcologists So my pans for my car in 2/3 years are all up in the air at the moment!

I have been driving nearly half a year now, and touch wood I havn't and won't have a bump, let alone a crash! Although I had a close call the other week my mate at college and I took people from our course to McDonalds in our dinner break, 2 people we're in his car, 4 in my car, he had passed his test the wednesday before this so we we're going down the Beduff Bypass (I know what everyones thinking - "We we're racing" - We were NOT!) anyway it was a wet day, he was in the left lane I was in the right, He was doing the speed limit and hit a rock on the road he went out of control, swerveing all over the road, he thought, he'd gained control, then his back end came out hit the curb and bang into a tree, the tree saved him, the car was a write off and if the tree wasn't there, he'd have rolled the car, and would have been very bad, it was bad as it was though! So he luckly had a lucky escape.

*Edit*

Older, and I mean very old drivers are more of a hazard to the road than younger I believe, Yes young drivers speed, but EVERYONE speeds, if there honest with themselves, Yesterday for example I was on going over a hill on the exit of Nuneaton town, and there is a junction, One old man nearly caused a pile up, He just stopped dead when it was his right of way, Its kind of hard to explan what happened, but older drivers drive slow, which causes anger amoungst other drivers, causing people to overtake, causing accidents, this just have knock on effects.

I hate sunday(i.e Older Drivers!) drivers!

[Matt]

When I started driving it worked out cheaper for my dad to insure my mum's car for anyone over the age of 17 (with his permission), which cost about £400 with a lot of no claims.

Too cheap to afford my own car.

143560[/snapback]

This is a good idea, and you are getting it cheaper, but in the long term its not sucha good idea because 1) Your not earning any no claims bonus's yourself 2) If you do have a accident you parents no claims are dust and 3) When you do come to get your own insurance its still gonna cost alot, prehaps not as much but it will cost a fair bit because you will have no claims bonuses!

My advice is if you can afford get your own insurance a.s.a.p!

I believe you can take an advanced driving course which will lower the premium but following on from what you say I certainly don't think 15 year old kids should drive and just becuase in a backwards state like New Mexico you don't have to have insurance does it doesn't mean it's a great idea, infact IMO it's a stupid idea

143562[/snapback]

Pass Plus that was I did it lowered my insurance by about £200 and I got cheque for £200 straight away! I was expecting the just to take it off next years payment, but they sent me the cheque straight away!

[Thracian]

My insurance is £1500 on a 4 year old Corsa (W Reg) my car cost me £2995, But it was on the forecort for £3995 so they dropped the price by a £1000 so can't complain.

Originally my insurance was £1700 but I did my pass plus to get it lowered, and I actually recived a cheque back a.s.a.p for £200 so can't complain at that either.

Next year i'm budgetting for £1500 again but I am expecting my insurance to be around £1000 which is still alot of money but I will be happy paying £1000 insurance, luckly I have pretty much worked full time ever since leaving school so I am/was earning around £150 per week so I put that in the bank, I also had £3000 tucked away in the bank before all of that, so I could afford to pay both my car and insurance straight away!

This year I am only budgetting for my insurance because I can only really afford that because my car and this years insurance has cleared me out, but in 2 years I am planning for a new car preferably a Golf or something like that, but in 2/3 years time I also plan to go to Australia to go and 1st do a working holiday with possiblity to live, I want to have my career over in Australia, in they career I want to do there is more work over there than in England, I am training to be a Carpenter, house's are made of timber over there, so I would get a job no problem, The Australian government are also paying people like me to go over there and work - Something OUR government should be doing! We have enough teachers/doctors/psyhcologists  So my pans for my car in 2/3 years are all up in the air at the moment!

I have been driving nearly half a year now, and touch wood I havn't and won't have a bump, let alone a crash! Although I had a close call the other week my mate at college and I took people from our course to McDonalds in our dinner break, 2 people we're in his car, 4 in my car, he had passed his test the wednesday before this so we we're going down the Beduff Bypass (I know what everyones thinking - "We we're racing" - We were NOT!) anyway it was a wet day, he was in the left lane I was in the right, He was doing the speed limit and hit a rock on the road he went out of control, swerveing all over the road,  he thought, he'd gained control, then his back end came out hit the curb and bang into a tree, the tree saved him, the car was a write off and if the tree wasn't there, he'd have rolled the car, and would have been very bad, it was bad as it was though! So he luckly had a lucky escape.

*Edit*

Older, and I mean very old drivers are more of a hazard to the road than younger I believe, Yes young drivers speed, but EVERYONE speeds, if there honest with themselves, Yesterday for example I was on going over a hill on the exit of Nuneaton town, and there is a junction, One old man nearly caused a pile up, He just stopped dead when it was his right of way, Its kind of hard to explan what happened, but older drivers drive slow, which causes anger amoungst other drivers, causing people to overtake, causing accidents, this just have knock on effects.

I hate sunday(i.e Older Drivers!) drivers!

143638[/snapback]

I hate Sunday drivers too - and I'm already older!!!!

The police do nothing about those who drive too slowly. And yet their selfishness (or incompetence) puts all the people who try to overtake them in danger.

[Matt]

My insurance is £1500 on a 4 year old Corsa (W Reg) my car cost me £2995, But it was on the forecort for £3995 so they dropped the price by a £1000 so can't complain.

Originally my insurance was £1700 but I did my pass plus to get it lowered, and I actually recived a cheque back a.s.a.p for £200 so can't complain at that either.

Next year i'm budgetting for £1500 again but I am expecting my insurance to be around £1000 which is still alot of money but I will be happy paying £1000 insurance, luckly I have pretty much worked full time ever since leaving school so I am/was earning around £150 per week so I put that in the bank, I also had £3000 tucked away in the bank before all of that, so I could afford to pay both my car and insurance straight away!

This year I am only budgetting for my insurance because I can only really afford that because my car and this years insurance has cleared me out, but in 2 years I am planning for a new car preferably a Golf or something like that, but in 2/3 years time I also plan to go to Australia to go and 1st do a working holiday with possiblity to live, I want to have my career over in Australia, in they career I want to do there is more work over there than in England, I am training to be a Carpenter, house's are made of timber over there, so I would get a job no problem, The Australian government are also paying people like me to go over there and work - Something OUR government should be doing! We have enough teachers/doctors/psyhcologists  So my pans for my car in 2/3 years are all up in the air at the moment!

I have been driving nearly half a year now, and touch wood I havn't and won't have a bump, let alone a crash! Although I had a close call the other week my mate at college and I took people from our course to McDonalds in our dinner break, 2 people we're in his car, 4 in my car, he had passed his test the wednesday before this so we we're going down the Beduff Bypass (I know what everyones thinking - "We we're racing" - We were NOT!) anyway it was a wet day, he was in the left lane I was in the right, He was doing the speed limit and hit a rock on the road he went out of control, swerveing all over the road,  he thought, he'd gained control, then his back end came out hit the curb and bang into a tree, the tree saved him, the car was a write off and if the tree wasn't there, he'd have rolled the car, and would have been very bad, it was bad as it was though! So he luckly had a lucky escape.

*Edit*

Older, and I mean very old drivers are more of a hazard to the road than younger I believe, Yes young drivers speed, but EVERYONE speeds, if there honest with themselves, Yesterday for example I was on going over a hill on the exit of Nuneaton town, and there is a junction, One old man nearly caused a pile up, He just stopped dead when it was his right of way, Its kind of hard to explan what happened, but older drivers drive slow, which causes anger amoungst other drivers, causing people to overtake, causing accidents, this just have knock on effects.

I hate sunday(i.e Older Drivers!) drivers!

143638[/snapback]

I hate Sunday drivers too - and I'm already older!!!!

The police do nothing about those who drive too slowly. And yet their selfishness (or incompetence) puts all the people who try to overtake them in danger.

143733[/snapback]

Yep, Its just a knock-on effect, 1 selfish person driving slow cause another person to get and angry and is just one of the causes of dangerous driving! Or just driving slow can cause dangerous driving!

People seem to forget driving slow is also an offence just as speeding is, Yet people rarely every talk about driving slow and linking it with illegal driving/illegal offences!

[Alexikokopops]

,Jul 25 2005, 6:53 AM]When I started driving it worked out cheaper for my dad to insure my mum's car for anyone over the age of 17 (with his permission), which cost about £400 with a lot of no claims.

Too cheap to afford my own car.

143560[/snapback]

This is a good idea, and you are getting it cheaper, but in the long term its not sucha good idea because 1) Your not earning any no claims bonus's yourself 2) If you do have a accident you parents no claims are dust and 3) When you do come to get your own insurance its still gonna cost alot, prehaps not as much but it will cost a fair bit because you will have no claims bonuses!

My advice is if you can afford get your own insurance a.s.a.p!

143648[/snapback]

My parents have No Claims insurance, so we can make three claims a year and still keep our no claims bonus

I can't really get my own insurance cus I ain't got me own car, so I gotta wait 'til I get my car in a couple of years time, boo!!

[TrickyTrev]

I can't afford to drive because of the insurance sosts. I am not bothered because I have access to one of the best public transport networks in the world, but If I lived elsewhere in the country I sam sure I would be mighty pissed off about the cost of driving.

[Alexikokopops]

I can't afford to drive because of the insurance sosts. I am not bothered because I have access to one of the best public transport networks in the world, but If I lived elsewhere in the country I sam sure I would be mighty pissed off about the cost of driving.

143808[/snapback]

It's pretty annoying when you live in Lincolnshire, with a pretty piss poor public transport system.

Too big with too many villages.

It's pretty good around Cov though, when I'm at Uni.

[rossporterlc]

i could have been driving for 9 months now but i can't be bothered to get my provisional filled in , buuying the car is easy but insuring and paying for petrol isn't, so i walk

[Matt]

i could have been driving for 9 months now but i can't be bothered to get my provisional filled in , buuying the car is easy but insuring and paying for petrol isn't, so i walk

143839[/snapback]

I don't have a problem with Petrol costs because I don't tend to use too much petrol, I fill my car up every week (usually sunday) my petrol costs vary between £5 and £10 the most I have paid is £15 but that was when I had just passed my test and was driving everywhere and anywhere - I was just driving for the sake of driving I had no-where to go just fancied a cruise!

[leicesterChick]

Maybe we could all take some lessons from these so called "backward" New Mexicans. They may be driving on the roads at 15, but that doesn't mean they have full licenses. From what I have heard, the kids have to go through 3 stages to get the full license. :!:

[leicesterChick]

In the family of my sons fiance, all the children are attending or are about to attend University and all have the prospect of outstanding careers in medicine and research.

All have travelled the world and all seem extremely hard-working, motivated, adaptable,  well-mannered, well-informed, interesting, capable and consciencious. Some of their laws do seem strange but they also seem to have a sound basis.

The family of your son's fiance sound to be very lovely people, and very responsible drivers. I say more power to the people of New Mexico!

[Scarby]

My Astra 1.4 first year was 1350 but that dropped to 600 this year.

[SystonFox]

i own(ed) a citroen saxo 1.1i and i crashed it / wrote it off on wednesday. my insurance was 500 quid on my dads name. im not going to make a claim for my car as they will just bump up the insurance next year and my dad might lose his no claims. im looking at a 1.4 corsa later today before the big game, dont expect much of an insurance increase as its not an SRi. if i was on my own insurance i'd be paying about 1300 for the saxo (bought it for 1100) and would be looking at about the same for the corsa

[cisono]

I don't have a problem with Petrol costs because I don't tend to use too much petrol, I fill my car up every week (usually sunday) my petrol costs vary between £5 and £10 the most I have paid is £15 but that was when I had just passed my test and was driving everywhere and anywhere - I was just driving for the sake of driving I had no-where to go just fancied a cruise!

146044[/snapback]

What car is it that you own?!!? Or is it a moped? :-)

My costs are about 40 pounds a week and that's for essential driving only.

[Matt]

What car is it that you own?!!? Or is it a moped? :-)

My costs are about 40 pounds a week and that's for essential driving only.

156540[/snapback]

Vauxhall Corsa.

1 litre