Car insurance frustration for a 17 year old.

Diesel44

This weekend we have been trying to get a good quote for our 17 year old son, who has just past his driving test.
Why do insurance companies not ask questions like,
what score did you obtain on your Theory test ?
What score did you obtain on your hazard perception test ?
Did you pass the your practical driving test first time ?

I know you only become a better driver with experience, but someone who pass the practical first time seems to be on the same level as someone who takes several attempts to pass.

Using a 1 litre corsa as a example car, I was getting a quote of £2200 for a 17 year old male. I then changed my son to a girl and got a quote of £1100.
What has happend to equality there are good and bad drivers in both sexes.
I'm now off to buy some grecian 2000.

lisyloo

What has happend to equality there are good and bad drivers in both sexes.

I am afraid the statistics show that males have higher value claims (as a total) than females. This is a fact that you can't escape from.
It's totally legal for insurers to discriminate on these factors.
Of course there are variations for individuals, but it would cost a fortune to properly evaluate every individual, so criteria such as age, gender, claims, convictions, postcode etc. are used.

I'm now off to buy some grecian 2000.

What about a "cut & tuck"? :rotfl:

MORPH3US

As above, young inexperienced drivers are much more likely to have an accident than older experienced drivers hence it is expensive... we've all been there.

As for the male / female difference.... whilst young drivers are likely to have accidents male or female, stats show that males are much more likely to have accidents when driving at speed, therefore causing more damage = more expensive claims... females are more likely to nudge cars in carparks etc = lower cost claims...

iceicebaby

Someone who passes first time is not necessarily a better driver than someone who takes multiple attempts.

Arguably, someone who has had more attempts and therefore taken longer would be more "experienced"

Diesel44

iceicebaby wrote: »

Someone who passes first time is not necessarily a better driver than someone who takes multiple attempts.

Arguably, someone who has had more attempts and therefore taken longer would be more "experienced"

I'm very proud of my son, passing first time ( I took 3 tests to pass ) he only took 7 months from start to pass.
To pass first time and to find you have no advantage on someone who takes 4 or 5 attempts to pass is a bit of a downer.

Diesel44

When we go away on holiday or go out anywhere, my wife does not drive, I do.
She has said, she does not like motorway driving, is she a typical female.

Jakg

iceicebaby wrote: »

Arguably, someone who has had more attempts and therefore taken longer would be more "experienced"

I could of passed first time, but boy I wish i'd spent the last year having a 2 hour lesson a week and failing my test multiple times, would of given me much more experience than driving 17,000 miles....

rudekid48

Diesel44 wrote: »

When we go away on holiday or go out anywhere, my wife does not drive, I do.
She has said, she does not like motorway driving, is she a typical female.

Unfortunately no!

iceicebaby

Jakg wrote: »

I could of passed first time, but boy I wish i'd spent the last year having a 2 hour lesson a week and failing my test multiple times, would of given me much more experience than driving 17,000 miles....

I didnt say I agreed with it, just "arguably" .........

Someone passing their test 1st time after 10 lessons is not necessarily any better driver than someone who took 100 lessons and 3 attempts.

anaisuk

Diesel44 wrote: »

This weekend we have been trying to get a good quote for our 17 year old son, who has just past his driving test.

Using a 1 litre corsa as a example car, I was getting a quote of £2200 for a 17 year old male. I then changed my son to a girl and got a quote of £1100.
What has happend to equality there are good and bad drivers in both sexes.
I'm now off to buy some grecian 2000.

We had the same trouble finding reasonable insurance for our 17 year old son too it took us the best part of 3 days but we got there in the end thanks to the advice from someone who uses this forum. Try Aviva they came out the best for us with him being a named driver on my insurance, Perhaps you may want to take that route. See my earlier thread: 'Insurance for a 17 year old'

Congratulations to your son for passing first time......My son too passed first time and had only been learning for four months, its terrible to see them so thrilled on passing then suddenly deflated due to high insurance costs. We got there in the end........Best of luck!

Diesel44

Yes I agree anaisuk, we tried Aviva with my son being the main driver for his own car.
Putting him on my wifes insurance as a named driver is a way out, so he can use her car occasionaly.