Insurance after 2 accidents

angy141

My son drives the car of an evening and he and his dad both work together so if the lift they get for work is off on hols or sick his dad uses the car for work.I looked up some quotes for my son online as him as main sole driver with 2 accidents ,7 months passed test and not 18 til next week and the cheapest was £10,117 .

sarahg1969

Quentin wrote: »

The total premium quoted is £2100, (which sounds ok), so where do you get that £700 from?

From the first post. The OP said it went up by £1500.

Lokolo

£10,000?

Looks like hes going to spending a lot of evenings at home in the near future...

Did you check DirectLine?

I started off on £1500 in January, passed in May, crashed in June *sigh* and next January insurance went down to £1100. Stayed with DirectLine as they were cheapest, £650.... then £445... and I crashed a week later (a week and half ago) fs, I am waiting to hear back from DL to see how much the damage was, but if I lose my NCB insurance will go upto about £800-£900 next year

angy141

It did for the renewal this year after last years accident the new price is after the second accident.

sarahg1969

Do the insurers have your son down as the main user?

angy141

No his dad is the main driver and to be honest both accidents was when my son was coming home from his girlfriends as he uses the car about 3 evenings a week when he meets her otherwise he is too tired after work to go anywhere as they work 14 hour days in construction.
The 1st accident was August last year when we had the bad rainfall he hit a kerb when he slid on a roundabout.The 2nd was yesterday in the snow he came round the bend and had to pull out due to a campervan parked on the bend and he hit another car head on his airbags did,nt go off but the other cars did and the road which is a main through road was not gritted there was 2 previous accidents there within hours .The police had the campervan towed as they could not locate the owner and it was a hazard.

scheming_gypsy

10k?? what car is it?


my lodger was 19 in November. He had a BMW at 17 and it got stolen and torched (not written off), then somebody hit him and wrote it off, when he was taking the courtesy car back somebody ran into the back of him.. so 3 accidents / claims in 12 months.
He's got another BMW now and was paying £400 a month after a £600 deposit. Then he changed to http://www.ibuyeco.co.uk and it dropped to about £50 a month.

fivetide1978

10k??? What car is it?

Also, the accidents themselves, Poorly parked camper and heavy rain... At the end of the day both fault claims and caused by excessive speed in poor conditions. Going slowly would have avoided both. Would still say IAM, RoSPA or even PassPlus might be a an option and these may also help bring down the insurance costs.

5t.

scheming_gypsy

why are they caused by excessive speed in poor conditions?

on Monday night i flicked the back end out on my car and slid across the road. I was turning a 90degree corner on a 20mph estate but because of the conditions the back end slid out.
This is the corner that leads onto my street so i know it's pretty bad when icy, hence me driving round it at 10mph. How slow would i have to go for it to not be excessive?

fivetide1978

scheming_gypsy wrote: »

why are they caused by excessive speed in poor conditions?

on Monday night i flicked the back end out on my car and slid across the road. I was turning a 90degree corner on a 20mph estate but because of the conditions the back end slid out.
This is the corner that leads onto my street so i know it's pretty bad when icy, hence me driving round it at 10mph. How slow would i have to go for it to not be excessive?

So, driving at 10 mph, because of the conditions would you:

a. Expect to lose control on a roundabout and hit the kerb hard enough to damage the suspension a write off the car?

b. Go past a vehicle on the wrong side of the road in poor conditions/visibility and cause enough damage to again write off another vehicle? Or perhaps would you have been able to notice whether a pass was ok before pulling into on coming traffic?

I would say you have lowered your speed relative to the conditions. I would also suggest that the OP's son failed to do so on both occasions thus makign their speed excessive for the conditions/road.

5t.