"Its also sexist as young lady drivers pay less than young blokes, reckon this should be addressed."
It?s not sexist, young boys could have low premiums too, but they choose instead to drive like idiots and have big accidents.
BBD - Have some respect please!
General rule - if most other people don't use those types of words, then I suggest you dont.
Hugo - BR Moderator
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I will be put as a second driver on my dads insurance i'm not bothered about no claims bonus etc for the meantime, its what i pay. Does this make a difference? I can afford to spend up to about 3k on the car hopefully. Any ideas?
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If you're the main driver, it makes a huge difference. Basically, you're driving fraudulently. Morally this may not bother you at all, which is fair enough, but...
1. You won't have any no claims - this year, your premium will be higher if you put it in your name, next year it'll be about the same, and once you have 2 years' no claims it'll probably be cheaper to put it in your name. Over five years, if you maintain your no claims, you'll more or less break even whether you put it in your name or your Dad's. If you don't, you'll still have to declare the accidents that you have - but see point 3.
2. Once you're 22 and wanting to move out from home, you won't be paying through the nose for car insurance. Alternatively, you'll be able to afford to be one of the people complained about in the "How do young guys afford flash cars?" thread, as your insurance savings then will allow you to drive a better car.
3. If you have an accident and you are the main driver, the insurance companies will take an interest. They don't have to prove anything beyond a reasonable doubt, only on the balance of probabilities. This means that if you crash and it appears that you are the main driver, (e.g., Dad has an 03 plate E-Class - why would he want a V reg Focus too?), you crashed on the way to college, etc., - they won't pay out. Then they'll cancel your insurance and sue you and/or your father (you for causing the damage, him for deceiving them as to the risk they were running) and then make it difficult for you both to get insurance in future - don't forget that they share information on a database and can cancel insurance if they become aware that you have failed to declare a material fact.
4. At a rough guess, premiums on a 1.6 Focus would be £1,200 in rural Gloucestershire (very low risk area) up to £4k (high crime, high risk central London). If you only get one quote, I would suggest Tesco; they may or may not be the cheapest but as a young driver they're more likely than anyone else to be close to the final figure you will pay.
Yes, it sucks, and I would say that most young drivers are very profitable customers for insurers - offset by a small, but significant number who are huge lossmakers. Insurance is a competitive market and I can't see that insurers are raking it in from young drivers as a whole, even if some people like Adam end up paying a fortune and (so far, thankfully) getting very little back.
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Insurance is the opposite of the law, guilty until proved innocent.
No it's not, the premium are a reflection of the risk, simple as that. So if you're
young
male
have a fast car
you represent a high risk.
Not saying it's right, but it is the way it is.
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I was (am) young,
Male
and don't have a fast car yet I still was and am penalised.
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I would have thought that you would get a discount for the Focus, as people would drive away from you quickly after seeing the large boot and Harvest Gold paintwork!
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Espada III - well if you have a family and need a Lamborghini, what else do you drive?
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I tried telling them that E but they wouldn't have any of it.
The Fiesta was another nice colour too - white!
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It?s a shame that the small percentage of good guys (like Adam) get roped in with the idiots. You may have to wait till you?re a mature and sensible 38 year old family man like me to enjoy rock bottom premiums. Now if you?ll excuse me, it?s snowing a blizzard outside, and I?m off to do figure of eights in tesco car park.
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erm no...it is based on risk. Sexist? no again, based on risk.
Risks are assesed based on past experience. If young lads want to pay what young ladies do, stop having accidents, period.
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I remember when I was 17 we were all really shocked at the cost of insurance - £150 tpft on a 1980 Golf in 1988. but then I remember every single one of my friends having an accident of some kind in their first year...including rolling cars, hitting lamposts, rolling into ditches etc etc...and this was not in fast cars - VW Beetles, Polos, Metros etc. Almost all of it was down to going too fast for the conditions - especially country roads in winter or at night or both...
Having a car is not a right...alot of young people don't seem to understand that. If you want insurance it will cost you and if you can't afford it then don't drive until you are over 21 or 25.>> erm no...it is based on risk. Sexist? no again, based on
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