young driver insurance

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Fri 10 Jun 2011 18:11
young driver insurance - mcs999

In a letter to Honest John in last Saturday's Telegraph ( 4th June 'Cover Drive') DR tells of a broker quoting a mere £450 for third party insurance on an old fiesta for an 18year old. Does anyone know who this broker is - I'd love to get a quote from him for my son.

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Fri 10 Jun 2011 22:05
young driver insurance - Chris M

Join the queue!

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Fri 10 Jun 2011 23:44
young driver insurance - mrnikko

Second that ,spill the beans on this broker my 17 year old son would like to insure a car with them

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Sat 11 Jun 2011 01:52
young driver insurance - JordanBB

A good broker can make a difference. Too many assume an automated internet site is best. e.g. we one used GSI Insurance and got 3PFP at a good price. No links to em. Underwritten by HSBC DORIC insurance policy.

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Sat 11 Jun 2011 11:54
young driver insurance - Chris M

But how do you find a good broker specialising in young drivers? I've never used a broker before.

I'm on the verge of taking out a CoOp young drivers policy, the one with the black box. Son will be a named driver on my wife's policy. Low annual mileage (up to 2K) for him and up to 5k for the Mrs M and me, but it will at least get him mobile and getting some driving experience. Premium is a bit over £500 for the year. Not sure I'm 100% comfortable with the black box as you sign up for Wunelli (the company operating the system) using the data collected for other purposes, albeit anonymously, but that's the price you have to pay. Plus side is he (and any other driver of the car) have to stick to speed limits, not accelerate of brake hard on a regular basis, not go round corners on two wheels and not make a habit of driving after 11pm. For a 17yo male I think the fact that big brother is watching you is no bad thing.

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Sat 11 Jun 2011 15:38
young driver insurance - memyself-aye

I have jusr signed up for the CO-OP young driver policy with my 22 year old son as named driver. Although he passed his test 4 years ago (then went to 'UNI' where he didn't drive) he needs to build his NCB and I need him not to lose mine! The premium was £424 which is £200 for me and £224 for him - a good deal for him I would say. We were with Tesco whose renewal quote was not that bad at £504 but the £80 differenece plus the driving style monitoring effect of their black box decided it. I just hope CO-Op don't penalise MY 'bad' driving. :)

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Fri 17 Jun 2011 17:13
young driver insurance - mcs999

how did you manage that? I'm still being quoted over £1000 even with the co-op little black box!

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Fri 17 Jun 2011 17:16
young driver insurance - mcs999

But how do you find a good broker specialising in young drivers? I've never used a broker before.

I'm on the verge of taking out a CoOp young drivers policy, the one with the black box. Son will be a named driver on my wife's policy. Low annual mileage (up to 2K) for him and up to 5k for the Mrs M and me, but it will at least get him mobile and getting some driving experience. Premium is a bit over £500 for the year. Not sure I'm 100% comfortable with the black box as you sign up for Wunelli (the company operating the system) using the data collected for other purposes, albeit anonymously, but that's the price you have to pay. Plus side is he (and any other driver of the car) have to stick to speed limits, not accelerate of brake hard on a regular basis, not go round corners on two wheels and not make a habit of driving after 11pm. For a 17yo male I think the fact that big brother is watching you is no bad thing.

How did you manage that ? I'm still being quoted over £1000 even with the co-op little black box

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Sat 18 Jun 2011 15:17
young driver insurance - Chris M

Well, as previously stated, it's a low annual mileage for my son - the premium goes up roughly £100 per thousand miles for him but not by much for my wife or me - how they check who has done the miles, I don't know. But we are being honest, at least we don't envisage him doing many miles - he will be paying the extra if he does. We won't be driving after 11pm and will only be carrying 1 passenger. The car is garaged at night in a low crime area. Also, nine years NCB for my wife and only windscreen claims for me.

Play around with the site and you see what costs the money - but be as honest as possible. We took the policy out yesterday - one happy son!!

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Sun 10 Jul 2011 17:36
young driver insurance - cybersmile

Probably a bit late but there is a forum full of drivers aged 17 to 24 discussing how to get insurance prices down, and they are comparing quote with each other.

Edited by Avant on 10/07/2011 at 22:30

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Sun 10 Jul 2011 22:33
young driver insurance - Avant

I might have allowed you to show the link to this forum if you hadn't, infuriatingly, dug up every old thread you could find on this subject and posted the same message on them. That isn't what a forum like this is for.

If anyone wants to comment further on insurance for young people, please use this thread which is the most recent. Others are now read-only.

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Mon 11 Jul 2011 02:39
young driver insurance - 1litregolfeater

Young people these days, my first car with four wheels was an old Triumph 2000, bought out of the paper cos it was cheap without thinking about insurance.

My dad knew the broker, had to meet up after work and buy him a few drinks to reassure him I was a decent bloke, and then drive home.

I think the understanding was that I wouldn't make any claims.

Don't know if the broker got any business off my dad but I got to swan around ok for a year or so, but it was too uneconomical on petrol even years ago

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Mon 11 Jul 2011 15:10
young driver insurance - memyself-aye

The key why my Co-Op policy is only £424 may lie in my 9 years NCB - proof of which they want when they fit the black box.

Dunno why I think £424 is cheap, lst years premium - before my son came on board - from Tesco direct was only £135...and that included business use.

How things have changed.

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Mon 11 Jul 2011 15:56
young driver insurance - Chris M

Had our black box fitted last Wednesday. The web dashboard has a novelty value at present with it being checked every day. Only one we have had trouble hitting a five on is accelaration/braking even when driving how I imagine a nun would drive. Overall score is still an 'excellent' though, so we are happy with Co-Op at present. Early days though.

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Mon 11 Jul 2011 16:16
young driver insurance - unthrottled

Just too Orwellian for me! Thus far I've never made a claim. How I arrive at that situation is no one's business.

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Mon 11 Jul 2011 16:28
young driver insurance - Chris M

Agreed. But the black box is the difference between £500 and £5,000. Big brother can watch for a year or two.

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Mon 11 Jul 2011 16:31
young driver insurance - unthrottled

Five grand?? Does your son have a drink driving ban and insurance on a maserati?!

My only concern is that what people initially accept voluntarily will be made compulsory for everyone.

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Mon 11 Jul 2011 16:32
young driver insurance - jamie745

Ultimatley a computer can only judge so much, a computer has no real intelligence as to the real world, as with all computers, it'll only give you an answer based on what you put into it. if you program it to think that doing 71mph will result in instant death than thats what it'll say.

I can see what Chris is saying about bringing the price down and fair enough its up to him what he does with his car but im with unthrottled in the way that its far too orwellian for me, the thought of some electronic smart-a*** sitting there judging me just wouldnt sit well with me, i'd be like "i passed the sodding test go away!" LOL!

Edit: Good point unthrottled, FIVE GRAND?!!? I think you need to get on moneysupermarket mate.

Edited by jamie745 on 11/07/2011 at 16:37

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Mon 11 Jul 2011 16:39
young driver insurance - Chris M

I can only guess unthrottled that you haven't looked at quotes recently for 17yo males - it's expensive! The black box gets him mobile in my wife's old Punto at a price he can afford whilst only having a part time job. Beats the bus.

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Mon 11 Jul 2011 16:47
young driver insurance - jamie745

Its quite remarkable how it can come down reasonably quickly though, i'd still always recommend to people to do their test as young as they can but probably not bother getting a car until they're 20ish if possible because even holding a licence ofr 2-3 years and not driving helps it come down a chunk but obviously NCB is the real benefit. Another option is older cars, generally with much cheaper premiums but some insurance firms specialising in them dont give a NCB so theres the flip side.

Im 27 with 9 years NCB and my insurance on my recently acquired S-Type 3.0 is £580 a year with NCB protected and a reasonably low excess. Yet just 5-6 years ago for the same car i'd have been unquotable with most insurers. Quite remarkable when you think about it.

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Mon 11 Jul 2011 17:15
young driver insurance - Chris M

But that's just it. The difference in attitude of a 27 year old is somewhat different to a 17 year old.

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Mon 11 Jul 2011 17:50
young driver insurance - jamie745

Anybody who regularly reads my posts may beg to differ! I think its unfair to tarnish all youngsters with having the same "attitude" many other factors are important. I was never a natural driver or a confident one, at 18 i'd actually drive quite slowly and maybe even "too safely". But that meant i did everything "by the book" which i dont do now. Experience does help, what do the stats say? You're most likely to have an accident in your first 250 miles than at any other time or something, if a 27 year old passed today with nothing other than instructor tuition experience i dont think that'd instantly make them a better driver than a 17 year old with the same experience. Some youngsters can be t***s but others can also lack confidence severely when driving which albiet is a totally different attitude mindset (i was almost afraid to drive at that age if im being honest) it can be just as dangerous i suppose.

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Mon 11 Jul 2011 20:15
young driver insurance - unthrottled

Couldn't agree more. I was a fairly mature learner and I don't think i was a better driver than my brother who passed his test at 18. Inexperience is inexperience.

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Mon 11 Jul 2011 22:23
young driver insurance - Chris M

Well jamie745, I've just been on confused.com and premium came out at £4,500 comprehensive and £3,300 TPF&T, both with elephant. Premiums have dropped since I last checked probably as he passed his test five months ago and so now has loads more experience ;-)

Still cheaper with a black box though AND I can check on his driving behaviour.

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Mon 11 Jul 2011 23:04
young driver insurance - unthrottled

Parents can check it?! That's worse than the insurance company. Does it record every jerky gearchange and stall then rate your driving? I'd rather be done for speeding! Can it be 'remapped'? ;-)

Even worse, you might find that your score is lower than that of your son...

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Tue 12 Jul 2011 01:14
young driver insurance - jamie745

That would be funny, if the experienced adult got a lower score than the kid. I think the insurance company should be notified immediatley! LOL!

£4,500? Still doesnt make any sense has he got convictions or something? Or do you live somewhere like Hull? Where he'd be the only insured driver in a 50 mile radius? The first policy i bought entirely by myself i was 19/20, had a licence for around 18 months, 1 year no claims on my parents policy on a little Ford s***box and it was about £950 i think even though that was 7/8 years ago. What i did find interesting even then was how for example a 1.6 Escort was £200 more to insure for me than a 1.8 Mondeo, presumably more youngsters crash Escorts and Mondeo's are probably more older persons cars but its still interesting to note.

Isnt there a danger he'll be too focused on the computer judging him that the actual driving becomes secondary? Seriously though, i'd have rather walked than have my parents "monitor" my driving.

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Tue 12 Jul 2011 09:52
young driver insurance - Chris M

"Parents can check it?! That's worse than the insurance company. Does it record every jerky gearchange and stall then rate your driving?"

Yes it does! But it can't differentiate between drivers, so I can check the wife as well !!!! Basically, it rewards careful driving and penalises bad. Do twice the speed limit and your insurance gets cancelled. Sobering for a 17yo.

jamie745 - We live in a low crime area in Hampshire. I suggest you go online and do a sample quote to see just how 'easy' you had it only a few years ago. The danger with such high premiums is that youngsters won't bother with insurance. In my view the Co-Op are at least doing something about it, even if it's a bit big brother.

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Tue 12 Jul 2011 15:06
young driver insurance - jamie745

Ive always said higher premiums wont solve the insurance problem. The more expensive it is the less likely people will bother with it. They reckon theres 1.4million currently driving without insurance, if insurance wasnt compulsory it'd probably be nearer 20million at those prices. So the companies should be grateful the Government force drivers to use them rather than complaining, with a recent RAC study showing approximatley 70% of drivers would drive without insurance if it was an option. All higher premiums does is encourage further crime and bumps premiums up further.

Edited by jamie745 on 12/07/2011 at 15:09

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Tue 12 Jul 2011 15:17
young driver insurance - unthrottled

I would think that even the most impetuous adolescent would manage to keep it below twice the speed limit! How does it score 'careful' driving?-For instance I accelerate fairly briskly from junctions but keep my cruising speed fairly sensible-around the speed limit (usually!)

Is the box hard wired in-or does it just use motion sensors and GPS?

Sorry for all these damn fool questions.

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Tue 12 Jul 2011 15:23
young driver insurance - jamie745

Double the speed limit? Its difficult to get up to 60 in a 30 zone anyway even at its clearest*, to do 80 in a 40 is a tall order*, and i doubt the Panda does 140.

* Im...guessing. *smiles*

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Tue 12 Jul 2011 23:30
young driver insurance - Chris M

Not damn fool questions at all. Good or bad, I think telematics have a future. Have a look at:

http://www.co-operativeinsurance.co.uk/servlet/Satellite/1280989445872,CFSweb/Page/Insurance-Car?WT.svl=nav3

I think it just uses GPS. Three wires: permanent live, switched live and earth. It's fitted by the fuse box under the dash.

Your fairly brisk acceleration would get you into the poor category. I wouldn't want one fitted to my car, but my son is just happy to be mobile.

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Wed 13 Jul 2011 00:11
young driver insurance - jamie745

Seeing as you believe it to be a good idea and a good system may i ask why you wouldnt want it fitted to your car?

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Wed 13 Jul 2011 13:13
young driver insurance - Chris M

I wouldn't want one for the same reasons that you wouldn't. The reason I believe it's a good idea is that it helps curb the over enthusiasm of youth and their lack of experience. I'm too old to be enthusiastic but I do have 30+ years of driving experience which helps keep me out of trouble. Horses for courses.

Edited by Chris M on 13/07/2011 at 13:14

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Wed 13 Jul 2011 15:05
young driver insurance - memyself-aye

I've looked up our record (son and me) on the Co-Op on line dashboard, So far- after 13 days the only 'negative' is a lower score for driving outside the 6:00 am to 11:00 pm timezone, because I got up at 5:00 to take friends to East Midlands airport.

As both my other children wrote off cars within two years of driving the big brother black box does keep number three in line and if I want to act like a 57 year old motoring hooligan I just drive my wife's car........

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Wed 20 Jul 2011 10:15
Re:young driver insurance - Huon.cloutier

you participate in any of the defensive driving course, you will receive a 10 percent insurance discount on your collision and liability insurance premiums if you are the principal driver. This will be valid for 3 years.

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Wed 20 Jul 2011 22:49
Re:young driver insurance - Avant

Huon, would you like to give us some information about this driving course?

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Thu 28 Jul 2011 06:51
Re:young driver insurance - Huon.cloutier

You may get good information from " http : // www . defensivedrivingclassfl . com/ " I have tried this and I am totally satisfy with them. I hope you will also get good from them.

GooD LucK...

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Sat 16 Jul 2011 03:42
young driver insurance - 1litregolfeater

The insurance industry in the UK is owned and controlled by, the banks.

The banks will try and mitigate their recent losses by increasing insurance premiums.

This is what you are seeing, the same fat capitalists getting ever fatter by avoiding their debts and switcing their companies around.

So, the government needs to try much, much harder.

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Sat 16 Jul 2011 12:04
young driver insurance - Chris M

Fact or opinion 1litregolfeater?

I can't verify the accuracy of the information in the link, but assuming it is true, which of the top five UK motor insurers is owned by banks? One is owned by its' policyholders and the others by their shareholders, of which some will certainly be banks (investing on behalf of clients), but most of the balance will be pension funds in which most of us, hopefully, have an interest.

http://www.covergirlcarinsurance.co.uk/html/top-5-car-insurance-firms-in-the-uk.htm

Edited by Chris M on 16/07/2011 at 12:05

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Wed 20 Jul 2011 10:31
young driver insurance - dieseldogg

Strangely enough neither me, nor my wife, nor indeed either our 19 year old Son or 18 year old daughter woul have the least of a problem with the "black box", especially the "harsh acceleratin" or "heavy braking bit". ( I might have cause to blush at open road speed bytimes however)

I am not saying that either of them will not crash or be at fault in a collision, but even as a doting father I am surprised at how sensible the childern are when driving.

Anticiapition, anticipation, anticipition and even more anticipition has been drilled in with some success.

i.e. They drive "defensively", properly & neatly & competently reverse park etc etc.

PS

The cost of keeping all the Halos shiny is killing me.

Cheers

M

PPS

Our son has remarked about one particular individual with whom he has shared a car driving at 80 & 90 then having to brake heavily behind a queue of traffic at a road end, this is apparently how he drives all the time.

But he reckons that he is a "good driver" in his own estimation.

Well hes "faster" isnt he?

Edited by dieseldogg on 20/07/2011 at 10:37

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Wed 20 Jul 2011 13:24
young driver insurance - Chris M

Keep your distance, keep your distance, keep your distance has also been drilled into my son (who I taught). If something goes wrong you have an extra second or two to react. You only have to witness what happens on a busy motorway with brake lights flashing on and off all the time. A bit more distance and you rarely have to touch the brake peddle.

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Wed 20 Jul 2011 13:56
young driver insurance - unthrottled

...woul have the least of a problem with the "black box", especially the "harsh acceleratin"

I definitely do. Crawling away from traffic lights shows contempt for the people behind you since fewer cars can get through. The engine is more efficient under load and you get to the target speed quicker. The final speed reached is much more important than the manner in which you get there. I would agree that routine heavy braking is a cause for concern.

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Wed 20 Jul 2011 14:02
young driver insurance - dieseldogg

Apologies unthrottled.

I/we do accelerate briskly away from junctions or traffic lights, well as briskly as a 235,000 1.9 TDI or 1.6CR is capable of.

I loathe & detest those who pull out in front of one, and positevely dawdle away as one is caused to slow up and indeed even perhaps brake, whilst they "dooter" up the road.

I wish to see the tail end squatting or some evidence of acceleration

IF ONE INSISTS in pulling out into a too small gap /or in front of fast moving/ main road traffic.

Gerrrrr

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Wed 20 Jul 2011 14:27
young driver insurance - unthrottled

Oh that's plenty, Dieseldogg! I'm not talking about resurfacing every junction with a 100 ft lines of rubber from the tyres of a Corvette.

But you know the ones... have the instant mpg readout on and get very alarmed when it momentarily drops into single figures...

Of course, from a standing start all mpg will initially be zero by definition!

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Wed 20 Jul 2011 18:14
young driver insurance - jamie745

Well sat still with the engine on eventually you will end up with no fuel in the tank having gone nowhere, so yes. I dont have my instant mpg readout on, i have it set to other things like temperature although i do like to look at the average calculator sometimes where it tells you your average of last journey (which can be quite interesting) but i'd rather look at the road and the assorted vehicles, pedestrians etc on it than stare at my instant mpg.

I would still hate the idea of an electronic smart a*** looking over my shoulder but to be honest im not sure it would take too much objection to anything i do. Granted it wouldnt like the speed that i occasionally blast down the outside lane of the motorway at (if its clear enough to do so mind, if not you end up getting nowhere quicker).

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Tue 26 Jul 2011 01:57
young driver insurance - 1litregolfeater

I really don't have time for this, it's a fact, a fact of life, may I refer you to, for example, this webpage:

www.adrianflux.co.uk/blog/2007/08/who-owns-your-in...l

The Banks are now under immense pressure to back up their loans more than in the past, to do that they need to increase their capital reserves, ie get some real money.

And it's coming out of the insurance market.

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Tue 26 Jul 2011 02:28
young driver insurance - jamie745

Also to be honest that information isnt that difficult to find. Just hop onto wikipedia, type in Direct Line and the table of RBS' assets come up at the bottom showing Direct Line sat in there with Churchill, Privilege etc. Type in confused.com and on the first line it states "part of the Admiral group" etc. Its not hard to find this out. And it was almost a year ago now since Watchdog had a story about motor insurance rises connected to the banking industries desperation to recoup funds from somewhere. This is an issue not up for debate really, its just fact.

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Tue 26 Jul 2011 14:02
young driver insurance - Chris M

Well if Watchdog says it's true, it must be. Anne Robinson & crew wouldn't let the facts get in the way of a good story. You'll be quoting the Daily Mail next!

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Tue 26 Jul 2011 14:16
young driver insurance - jamie745

And you'll be telling me the earth is flat next. Ok how about this

http://www.rbs.co.uk/personal/insurance/g1/home/key-facts.ashx

RBS' own website stating the insurance companies they own, specifically section 6. Or have i mocked this up myself?

I dont know why you're treating it as some sort of lie or propaganda or a "good story" because its not a good story tbh its extremely boring, but its also fact. Reasonably well known established undisputable fact. You seem surprised that banks own insurance companies or unwilling to believe it, and you think im the ignorant one?!?

Edited by jamie745 on 26/07/2011 at 14:17

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Sat 23 Jul 2011 13:30
young driver insurance - THEDACKSTERS

We are seriously considering having a black box fitted but have concerns about the charges incurred for speeding, heavy cornering etc. We are unable to find out any of these charges either on the website or by direct contact with the co op. Can anyone tell us what these are? Does this give the co op the right to charge what they see fit?

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Sat 23 Jul 2011 17:55
young driver insurance - Chris M

There's a cap of 20% on any extra premium they will charge for poor driving. We've had the box fitted for 2 weeks and are on 'excellent'. We're treating it as a bit of a challenge now to keep it there although I'll be quite content if we end up with just standard.

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Sat 23 Jul 2011 18:29
young driver insurance - unthrottled

We're treating it as a bit of a challenge now to keep it there

This can be a very addictive habit! When I started the 'hypermiling' I rapidly became obsessive about my economy to the point that I started to see solid line junctions as 'unnecessary' braking. One scare and that habit stopped!

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Thu 28 Jul 2011 09:15
young driver insurance - GazNicki

What gets me is why so many parents are paying for their children to drive.

I'm 28 and have been driving for 9 years. I had to work hard to pay for my driving lessons, then work hard to buy my own car (1998 S-Reg 1.6 Volvo S40) and then pay my own insurance. The insurance was £2500 via Swinton, reduced in one month to £1500 with Liverpool Victoria becuase I passed my Pass Plus.

These "little black boxes" are not the way forward. What IS the way forward is telling your kids that if they want to drive they need to get a job and pay for the priviledge.

Having them as a named driver isn't going to get them 100% NCBs. Direct Line offer a Named Driver NCB but this is only equivelant to 1/3 of a stand NCB. I would look carefully at how the accumulated NCB for the named driver is passed on via Co-Op. The Co-Op won't insure me on my own policy (28yrs old, 6yrs NCB, No Accidents in last 5 years, No convictions, no claims on an ST200, Married with 3 children) - this is because I am "too young and we don't insure that kind of car anyway"

If you want to teach your kids to not drive like lunatics and to appreciate the hard work it takes to earn lower premiums through high NCB Discounts - tell them to sort it themselves! Only this way will they learn anything.

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Thu 28 Jul 2011 14:56
young driver insurance - jamie745

That would be lovely and everything but as has been discussed many times telling youngsters to 'go out and get a job' is pretty pointless advice when one look at the job market tells you that there arent any. For an 18 year old with no driving licence living anywhere vaguely obscure or remote theres precious little work. As ive mentioned before as part of a recruitment drive for the building i work in i had to contact the local Job Centre to get some numbers and they were frightening, this was last year and they said their one office deals with 6,000+ people on job seekers allowance across the area and they had something like 300 jobs advertised, and i looked at them jobs and most of them required driving licence, extensive experience, hgv licence or some sort of qualifications. Eventually i discovered there were around 7 jobs that an 18 year old with no driving licence or no car could do, and those jobs probably got 300+ applications each easily. The average time it takes for someone experienced to get a job is around a year now, and youngsters still looking for their first job after 5 years isnt that uncommon. You and i were lucky is we got to that age when there were a few more opportunities than there is now.

But with such fierce competition, scarce amount of jobs and employers preferring foreigners and more than happy to leave our youngsters on the scrapheap without even giving them a chance, they need some sort of ace card to get a foot in the door, and a driving licence gives them more chances so thats why the parents help them get it. Im not a parent myself but i was under the impression thats what parents do, help their kids.

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Thu 28 Jul 2011 15:01
young driver insurance - Chris M

Two extremes of "help" - throw loads of money at your kids so that they don't have to worry about a thing or don't give them a penny and make them work for everything. Most parents sit somewhere in the middle depending on their personal circumstances. My son pays for his insurance. Haven't seen any money for petrol yet though!

Edited by Chris M on 28/07/2011 at 15:01

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Thu 28 Jul 2011 15:06
young driver insurance - jamie745

My parents paid for me to learn to drive as they actually had money at the time and that wasnt something which could be said for many years previously so instead of waste it my parents decided to pay for me to do something constructive instead. And my Dad always had the belief that the sooner you do it, the sooner its done and you dont have to worry about any stupid changes to the test or bright ideas they'll come up with in future, just get it done, pink card in your pocket, finished. If anything it was a bit bulldozered on me and i was never a particularly confident driver but after many hours of just doing it i picked up enough to pass the test at the fourth attempt, i didnt feel ready then and it wasnt until a couple of years later when i actually gained enough confidence to feel like i could drive on my own. It proved worthwhile though as i then gained jobs and employment which i simply wouldnt of got without it.

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Fri 26 Aug 2011 17:39
young driver insurance - THEDACKSTERS

We are really keen to find out how the smartbox is going. Any feedback would be gratefully received before we sign up. Thanks.

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Sat 27 Aug 2011 13:46
young driver insurance - Chris M

Well THEDACKSTERS, it's going pretty good. Until today, we have managed to keep the overall score as 'excellent', although that has dropped to 'good' when I just checked. Not quite sure of the way they translate the daily scores to arrive at 'good' as our overall average is well above 4 (which should be an 'excellent'). Still, it's serving it's purpose as far as I'm concerned. It has got my son mobile at a relatively reasonable cost and just as importantly, I'm able to keep an eye on his driving. An occasional word in his shell like when the scores drop a bit, reaffirms the need for him to drive carefully. Once he is earning and can afford his own wheels and running costs he can do what he likes, whilst Mum and Dad are subsidising him, he has to accept restrictions.

We haven't had the box long enough to see what premium reduction we'll earn, but I'm not expecting much and for us, that isn't the main reason for having the box.

I went out with him last week and was quite impressed with what a good job I had done teaching him. Really good observation and he religously sticks to speed limits (a bit frustrating at times as I tend to exceed them on occasion!), but that's what I believe he should be doing as an inexperienced driver. Some on here may consider he is a young mimser in the making, but I look at it from the point that he has plenty of time to pick up bad habits and will be driving like the rest of us in years to come.

Edited by Chris M on 27/08/2011 at 13:48

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Thu 28 Jul 2011 15:03
young driver insurance - unthrottled

we don't insure that kind of car anyway

Probably not an organic Prius or fairtrade Smart so they turn their noses up at it. Tell them that you read the Guardian and they'll probably change their mind!

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Sat 27 Aug 2011 05:46
young driver insurance - 1litregolfeater

www.youtube.com/watch?v=6olmuBuC1kk

the spy in the cab

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Mon 2 Jan 2012 12:40
young driver insurance - xLyNsKeYx

I took a Fast-Pass course on my 17th birthday and passed 8 days later, I knew my insurance would be rather expensive considering I'd only been 17 for 10 days before getting my first car, but it worked out cheaper than some of my friends who took the longer route of having a lesson a week. I went out and bought a 1987 Austin Mini City E for £1200 and the cost to insure it was £2000 due to it's age I was able to get classic car insurance. I then had an extra £800 to spend on fixing my little rustbucket up and now 2 and half years later it's fully restored after spending a total of £1500 (Over time doing a bit here and there due to lack of cash as i'm only working part time around university) using soem reconditioned parts and some new ones. I'm 6ft 2" and have no problem driving it as I know some people say that the mini is to small but it really is fantastic car and shouldn't be over looked due to it's age. My insurance now at 19 is £1000 with 2 years NCD.

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Mon 2 Jan 2012 23:52
young driver insurance - Avant

Good thinking there - your Mini, now you've done it up, is almost certainly worth more than you paid for it. The original Mini was always unexpectedly good for tall people to drive - more comfortable than many bigger cars of their time. The (old-shape) Ford Ka is another good one.

I should think your Mini is worth keeping for many years - even when you can afford something else for everyday.

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Mon 2 Jan 2012 23:57
young driver insurance - jamie745

Im 27 and my insurance is £470 so nerrrr!

*does a little dance*

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Tue 3 Jan 2012 08:58
young driver insurance - dieseldogg

Erm,

It was my understanding that one could only get "Classic Car insurance" on a second or third vehicle, ie not on ones first or main car?

However "limited use" milage may well be an option in these cases?

Cheers

M

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Tue 3 Jan 2012 09:07
young driver insurance - injection doc

My Nephew recently passed his test 18 & clean licence etc etc but to insure a car for him is around 4-5K minimum, we have tried old classics, & old L/rover 2a's etc but everything comes out around 4.5K minimum, even with restricted mileage !

I tried my post code and that halved his quote but just cant get anything sensible, we have tried through his mum's insurance and he being a named driver but that just puts his mum's insurance up too 4.5K.

The wierd thing is that my daughter pays £322.00 fully comp for her own brandnew car at 19 years of age ! obviously its considered now that boys are just very high risk !

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Tue 3 Jan 2012 11:48
young driver insurance - Ethan Edwards

Isn't tweeking by misrepresenting the risk location and who the main driver is well...er tantamount to a bit of light fraud? Seems to me your in danger of getting into some murky waters there mate.

Why not go the whole hog and say you live in the Orkneys, only drive a tractor and am aged 65, and am a farmer called Bob! Should be no problem for a 18yo boy (working as a barman) driving a modified Corsa parking on a London street. Think of the cash you could save...till you make a claim.

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Tue 3 Jan 2012 15:54
young driver insurance - jamie745

The wierd thing is that my daughter pays £322.00 fully comp for her own brandnew car at 19 years of age ! obviously its considered now that boys are just very high risk !

Your daughter could be in for a large bill next year then as they wont be able to differentiate premiums based on gender beyond this year. Probably just stocking up the coffers now for when the law comes in.

Isn't tweeking by misrepresenting the risk location and who the main driver is well...er tantamount to a bit of light fraud?

They dont really care about your listed home address, what they're interested in is where the car is kept at night. I know plenty of cases where people have changed the address on their insurance application to their boyfriends/girlfriends/parents etc house - which in some hilarious cases is within walking distance of their own house yet is half the price to insure - and never had any problems.

Essentially i think so long as you keep paying on time and dont crash they really dont care about you.

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Tue 3 Jan 2012 09:19
young driver insurance - RT

You can get Classic Car Insurance on anything a specific insurer will cover.

My 1-year old Subaru, main/only car in the household, was put on a Classic Car policy by a broker using Lloyds - it's replacement, a brand new Hyundai, has gone on the same policy and just renewed.

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Tue 3 Jan 2012 16:47
young driver insurance - dieseldogg

Our 18 year old daughter, quoted £1050.00 (ish) put 19 year old Son on as well, =£2300.00, this quote to include ourselves as named drivers, all properly kosher, which is to say an absolutly honest declaration of main driver, Class 1 Bizz usuage and various addresses.

Edited by dieseldogg on 03/01/2012 at 16:48

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Wed 4 Jan 2012 08:55
young driver insurance - injection doc

Ethan edwards

I tried my post code and that halved his quote !

Thats all it was, " A Quote " I'm not defrauding anybody I jsut wanted to see what raised the premium and it proved it was the location, I'm certainly not insuring him uder my address.


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Wed 4 Jan 2012 12:26
young driver insurance - Chris M

I knew what you meant injection doc.

It is however worth pointing out that some insurers systems are clever enough to remember what quotes you have run and will note that you may have adjusted the facts to reduce the premium. And running the quotes via an aggregator site won't hide it either.

Edited by Chris M on 04/01/2012 at 12:27

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Wed 4 Jan 2012 14:16
young driver insurance - injection doc

Quite correct Chris M

We used different date of birth, address & Job title, subtle change so in same catagory & Different car.

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Thu 5 Jan 2012 00:18
young driver insurance - danstephens

I am 25, just passed, I got a quote from the post office for a 2001 MITSUBISHI Colt 1.3 Equippe at £2500 for the year...

I live in a posh area (my nan n grandads) and the car will be parked on the drive.

If I go as a named driver on my Grandad's insurance, who has plus 10yrs no claims how much cheaper do you think it will be?

Does my Grandad have to buy the car in his name? What's the best way I can do this?

Or should I just drive his punto 1.2l as a named driver, as a guess how much do you think i will have to pay extra so my grandad is still paying the same he usually does?

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Thu 5 Jan 2012 01:17
young driver insurance - unthrottled

I think some of the premium algorithms need some serious tweaking. I can see how your postcode would have a large effect on your probability of claiming against your own car, but not a third party claiming against you. Since the bulk of a young driver's premium is based on third party risk, what gives?

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Thu 5 Jan 2012 08:51
young driver insurance - RT

I've never understood why there's such a huge variation in premium by different companies to exactly the same risk - I've recently renewed my insurance and while shopping around some of the quotes were more than double the best.

So for all the youngsters who can't avoid higher premiums than us old fogeys, it really does pay to shop around leaving no stone unturned to get the best deal.

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Thu 5 Jan 2012 08:55
young driver insurance - Bobbin Threadbare

Mean-ness; that's what gives!

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Thu 5 Jan 2012 09:59
young driver insurance - dieseldogg

IIn my post as above regarding the premium quotation for our daughter as above, I should have mentioned the strange bunching of the various quotes.

I got 12 valid quotes, 4 were between £1000 & £1200, then the other 8 from £3000 to just sub £4000.

None lay between £1200 & £3000, which is clearly down to the different alogrythms used by the different companies.

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Thu 5 Jan 2012 12:33
young driver insurance - Chris M

I'd say the 4 between £1000 and £1200 were after your business and the >£3000 weren't interested and deliberately priced themselves out.

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Thu 5 Jan 2012 16:36
young driver insurance - dieseldogg

Erm, yes, I figgered as much, the real "boker" was the over £4400.00 quote from the UFU, who get a fair bit of other business from myself.

I said "could you not do sommat more with that"

She said blushingly admitted that they already had, that it had first come in somewhere between 6 & 7 thousand

Gulp

Quite how "young farmers" get insured is something of a mystery to me, though perhaps if they are all living under the one roof & it is a "Pool" vehicle the issue can be somehow finagled.

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