Please tell me it will get better..

dacouch

sassy-one wrote: »

Insurance IS a complete rip off, FACT.

I hate paying it but it's something we ALL MUST do, if you can't afford it,. you can't afford to runa car, FACT.

Insurance is so high due to loads of uninsured drivers on the roads, young drivers who drive like planks and increasing amount of fraud claims being made plus tax, FACT.

Uninsured drivers add around £40 to each persons policy.

There are other issues that are causing premiums to increase, the increased issue of fraudulent claims is a fairly minor one

mcjordi

i think im being ripped off paying 400 on a car worth about the same lol

OP at 20 when i decided to pass my test i paid 2300 tpft on a escort worth about 10p
it will come down over time.
also consider pass plus and adding yourself to HIS policy should bring the price down a bit

fatpiggy

My nephew passed his test earlier this year and has been planning to save up for a cheap car since. His granny even offered to donate her old 1.4 Almeira but with insurance quotes up over £2000 (and he only lives in a quiet part of Cornwall) he has scrapped the idea for now. However, when talking to him recently the subject came up and he said that EVERY boy on his college course who has passed their test and got hold of a car has subsequently had an accident, including several write-offs. Sadly, I think that makes it very clear why teenagers pay so much. I can remember when I passed mine in 1981 I was the first in the sixth form to pass. The next person (a boy) drove to school the very next day and wrote off his car and the teacher's car that he hit. Mind you, he always was an arrogant gobsh*te!

rev_henry

fatpiggy wrote: »

My nephew passed his test earlier this year and has been planning to save up for a cheap car since. His granny even offered to donate her old 1.4 Almeira but with insurance quotes up over £2000 (and he only lives in a quiet part of Cornwall) he has scrapped the idea for now. However, when talking to him recently the subject came up and he said that EVERY boy on his college course who has passed their test and got hold of a car has subsequently had an accident, including several write-offs. Sadly, I think that makes it very clear why teenagers pay so much. I can remember when I passed mine in 1981 I was the first in the sixth form to pass. The next person (a boy) drove to school the very next day and wrote off his car and the teacher's car that he hit. Mind you, he always was an arrogant gobsh*te!

It was rumoured that a lad in my year had broken the record for the quickest insurance claim - 3 minutes after taking out the policy. Another lad crashed and caused 2 of his female passenger's fingers to be removed. That's all I can remember... Me? I'm 18 (so those stories are quite recent!), been driving about 18 months and never had an accident. Why should I subsidise my idiot peers?
OP do try Admiral, I'm with them. Mine and my mother's car are on their multicar policy. You get 10% off each car you have on the policy. I.e. we have 2 cars so the discount is 10% off both. My mother's part of the insurance was actually about £60 more than the very cheapest but that was more than outweighed by the 10% off mine because my premium was so much. Think my part of it was £750. From recent research should be going down to about £600 come renewal in December, provided I don't do anything stupid.

andy208833

Had similar experiences but i already run two cars so told daughter that if she wanted a car she had to get a job to pay for it.

That was 3 years ago now and her insurance has dropped dramatically with 3 years no claims, from paying £1k a year 3rd party for a Ford Ka 1.1 to only paying £350 a year fully comp for a peugeot 207.

Unfortunately premiums are high for the boy racer type who regulalry crash and claim and prices are lower for girls who tend to be a little more grown up about driving.

charlea

you are still doing a good thing by encouraging him to drive he will obtain a driving licence and a pass plus which is not something to sniff at (it took me 3 attempts before i passed many years ago) and its something that he will always have ( unless he dose something stupid and gets it taken away)

he can still put it on his cv that he has passed his test and has a pass plus so its not a waste of time and it wont take him long to gain experience once he dose get a car
I wouldnt even mention that he might not be able to drive a car when he passes just keep him focused on passing and encouraging him to pass ( you can drop the bombshell afterwards which is what we did):D
He will still be able to legally drive he will have a licence - just wont be able to at this present moment thats - how we put it to my stepson. He eventually had his lightbulb moment when he realisd that we wernt going to turn up with a car and big bow wrapped around it
and im not doubting that your son is a good kid and studying hard so is my stepson but it just wasnt practical and its not because we couldnt afford to do it for he ( we could of done ) but we chose not to , it just a total waste of our hard earned money in our eyes on a car worth 500 quid and then what happens next year when he has to insure it again are we supposed to keep on paying for it untill it come down to a reasoable amount if it ever dose
plus if he cant afford to insure it on his own then im my eyes he cant afford to run a car (talking about stepson not your son)

We have 3 cars between us and 3 children one is just done his written test and the the youngest will start his next year when is is 17 and there is no way we are paying thousands of pounds of money to insure 3 cars for 3 kids on crap cars that gonna break down every couple of month ( not saying that your car is crap but you know what i mean) and definatly not putting them on my insurance over my dead body
And more to the point no way am i putting some spotty teenager who can just about grunt please and thank you to drive my beloved mini cooper s for him to drive around drop coke cans and ciggarettes in it and wreck it with his mates wouldnt be fair on my mini she would cry she's my forth child




if you do go ahead and manage to find some reasonalbe insurance ( do let me know) i would double check all the small print if you put yourself on the policy and although im not sure of the NCB policy of adding your self to his policy as it might mean that you lose your NCB if he crashes and you may find out that YOU cant afford to insure your own car in the future as it will go up without the no claims not sure what happens if it protected ncb but def double check

j-josie wrote: »

I can see the point about it not being worth it but I thought I was doing a good thing, encouraging him to learn to drive as I see it as a life skill. I don't like the idea of him having a licence and then not being able to build up his experience.
And it's not like I am intending to buy him a car to race around in. It's my car; he will just have occasional use so no running costs. He is a good kid, no job because he needs to concentrate on his A levels cos he is finding them (Maths, Physics etc) hard going and really it is my fault for creating this expectation. My brother in NI insured his daughter some months ago for £800 when she was 18 and it was that sort of price when I enquired last year - I just had no idea of how much it had gone up by. And Marmalade quoted me £3,362!

MX5huggy

It will get better.

dzug1

j-josie wrote: »

But the value of the car does affect some insurances it seems, though there's nothing I can do about this. I just want him to be an effective member of our family who can help out with driving duties now and again and have driving as a skill to put on his cv.

I wouldn't disagree that the value of the car has SOME effect - but the third party risks usually far outweigh that for young drivers.