Young drivers insurance

Antispam

Its also based on risk sadly a very high proportion of accidents are caused by inexperienced young male drivers

Would you prefer that careful experienced mature drivers pay more?

YAZZ_2

But he's never going to get the experience either is he if he's not able to drive? Everyone goes on about statistics but no one is trying to change this. Therefore, should the driving age be changed???? Should inexperienced drivers be made to learn for longer? At least x amount of lessons??? How many uninsured drivers are there out there? Why are hey uninsured? Great that the police have automatic number plate recognision......there are so many young, experienced drivers that will make great responsible drivers, but are not going to get the chance. Irony is, my son hopes to train as a traffic or response police officer??!

andyrules

Young male insurance is a minefield. I searched for days before finding something that wasn't outrageous - DS was driving our car and the company we had used for years raised the price from £650 (DS as provisional/new driver) to £3999 after he had been driving for almost a year. They admitted they don't want young male business.

The potential for a tragedy (car load of bright young things) worries me. The last government made noises about banning passengers for the first year of driving, but never did. This would have changed the habits for many (eg taking the train if they all had to use separate cars), reduced the odds and stopped much of the 'showing off' that increases risk.

I dislike the way these youngsters are pushed towards 'old bangers' just to get a policy - as someone said, it is the potential for life-changing injuries, not the age of car, that is the biggest, most expensive risk. That potential must surely increase in an old heap with no airbags and a rusty chassis as against a newer more robust car (look at AA Ncap).

Personally, I wish the age was raised from 17 to 21, but I guess I'm a minority and stand back for the flaming

NeverInDebt

All drivers pay a premium for uninsured drivers yes its unfair but thats the way it is

You only get experience the more you drive, so the risk is higher until you build up a no claims discount

We all encounter young experienced drivers on the roads who drive right up your !!!!. I accept not all young drivers are bad but they are still inexperienced and hence more likely to be involved in a accident

Whether you like it or not things wont change unless statistical accidents drop

I did hear on one show other week that some drivers including young can insure there cars provided they have a smart box fitted and pay per mile depending on time of the day, statically they said they more likely to have an accident in a evening, maybe look into that it can save money provided he is flexible but not all insurance companies do this

I hope it does take off I probably pay less because I mainly drive during day and dont do many miles myself

Duncombe

YAZZ wrote: »

But he's never going to get the experience either is he if he's not able to drive? Everyone goes on about statistics but no one is trying to change this. Therefore, should the driving age be changed???? Should inexperienced drivers be made to learn for longer? At least x amount of lessons??? How many uninsured drivers are there out there? Why are hey uninsured? Great that the police have automatic number plate recognision......there are so many young, experienced drivers that will make great responsible drivers, but are not going to get the chance. Irony is, my son hopes to train as a traffic or response police officer??!

OP - What car are you trying to insure your son to drive? This will make a HUGE difference to the premiums.

Secondly, the huge premiums are not going to change until he is in his late 20's.

And learner drivers ARE being made to learn for longer. They have to do 40 hours of tutition before they can take their tests. Motorway and night-time driving will be a compulsary element of tutition also. Tests are getting longer and harder, and the theory tests have already changed. My dad has been a driving instructor for 30 years and the stories he tells me about youngsters learning to drive are horrendous! While I agree that it is difficult for young drivers to get insurance, the fact they DO cause more accidents is sadly a fact of life. Even if you cant insure him, the fact he has a licence will help him with future job applications etc..

YAZZ_2

No I agree...I think it should be raised....maybe 21 little steep...but still not out of the question. There is far too much emphasis put on driving at 17 these days. I didn't learn until I was 21 as I had no need. I have tried not to bring my children up in a materialistic way.....but still trying to encourage them to be independent, responsible adults. I just hate the fact my son (and I know thats me as a mum talking "my son is perfect and would never do anything wrong" ) is being catagorised with the loonatics that are on the road? He only wants to drive himself to work, go off camping, etc. He dosn't drink...works as many hours as he can....working towards his Alevels....

I don't have the answers tickerbell.....all I'm saying is there should be a fairer way to be judged as individuals not statisics.

Duncombe

But on what basis would you suggest?

A letter from a 17year olds parents stating whether or not they think he is a risk? Or one from the headteacher perhaps?

Companies can only go off statistics for people who can not prove their own untarnished driving record (in the form of NCD's). And unfortunatly, 17yr old males are involved in lots and lots are accidents

savemoney

I believe when your 25 the insurance goes down drastically assuming there are no claims

My 17 year old daughter is also planning to drive soon when she passes her test, ironically she wants to work for Police too in crime investigation (CSI), I dread to think how much it will cost her she also not one for being silly, or drinking etc

YAZZ_2

The car is a 1.2 clio (my car) or a peugeot 206 (1998) nothing special. But have tried the various coverbox and i-kube. (infact i-kube told me even they are pulling out of the scheme) To be honest...I drive a clio and the number of boy/girl racers who drive right up my backside....spot lights blasting...trying to race me is shocking. They sit at the lights next to me with their baseball caps on...looking across (and This is why Im trying to steer him away from my car). and I'm thinking its a 1.2 butt...I'm 38 with 2 kids on my way home from work....do I look like a boy racer???

I just don't know...

YAZZ_2

Maybe the black box idea is the way to go??? ALL age 17-21 should have them fitted. Smacked in the spot lights if they drive after 11pm and before 5am???