car insurance for new boy drivers

KingElvis

Lots of young people drive like loons in their bangers hence the huge insurance costs, it's unfair to the others but that's life.

bigjl

Try asking for a quote with you(or your wife) as a named driver, has reduced a premium for my wife in the past, when she was a new driver. Don't ask me why, but I didn't really care, it was all legal and above board.

The classic car route is a good one, my first car was an Austin A40 Mk2 Farina, with the fully opening boot, top was a window and the bottom bit folde down like a Range Rover, plenty of sideways fun. And apart from the non syncro first gear a nice car to drive, my sisiter owned it before me and it needed a little welding when it was bought, but was then trouble free for three years.

I fancy getting another and putting a Rover V8 with an auto box in it...................

Strider590

DCFC79 wrote: »

Reason why girls are half as much is because they are seen as less of a risk than boys,

Much like old people they have lots of low speed, low cost claims....
Or tend to drive off after minor parking collisions = no claims

The boys tend to go off into fields, tree's or god forbid other cars.... Usually only once in their driving "career", but the costs are astronomical.

hubert_cumberdale

a lot of females are on there other halfs insurance as well so when they crash it gets taken of the males insurance so we are getting scammed

rev_henry

hubert_cumberdale wrote: »

what the hell is a salsa

He means a Citroen AX.

dacouch

Strider590 wrote: »

Much like old people they have lots of low speed, low cost claims....
Or tend to drive off after minor parking collisions = no claims

The boys tend to go off into fields, tree's or god forbid other cars.... Usually only once in their driving "career", but the costs are astronomical.

I think "Usually" only once in their driving career is a bit of a generalisation, as a significant amount of young males have many accidents.

Another factor on top of the aggressive accidents males often have is on average they drive more miles than females so have a greater exposure to accidents by virtue of the higher mileage

mikey72

Strider590 wrote: »

Much like old people they have lots of low speed, low cost claims....
Or tend to drive off after minor parking collisions = no claims

The boys tend to go off into fields, tree's or god forbid other cars.... Usually only once in their driving "career", but the costs are astronomical.

How are you doing with that woman you pulled into when she was overtaking you by the way?

diamond_mum

I would recommend pass plus. The cost is 6 extra driving lessons after you pass your test.

It saved me around £400

rev_henry

Imp wrote: »

Try a classic car and a classic car insurance speciallist.

Say, an old mini, beetle, MGB, Escort etc.

You will need good breakdown cover with this option though.

2CV 2CV 2CV 2CV 2CV!!!!!

Jackinbox99

Tough one really. From my experience Insurance Companys purely base their figures on statistics, and do not really take into account anything much which would reduce a premium. They are only interesting in those things which will allow them to charge more.

So, really you need to find a vehicle which statistically is a "low risk". Now, as silly as it may sound, that may not be a 1.2litre car, it could be something like a BMW 525...I know a lad near me who drives a 4.2 litre jag because its cheap for him to insure!

I found this out a few years back when I wanted to buy a honda fireblade motorbike. I was offered one which was a good few years old for £2000 and I thought it would be ideal for commuting to work on. Most insurance companys i spoke to would not touch me on it. Those who did wanted thousands to insure it.

So, in the end I bought a nearly new Yamaha R1, which was a bigger engineed, faster, much quicker sportsbike worth over twice as much money as the fireblade. Insurance companys all said "no problem" and i insured it for about £100. Go figure.

Also, as other people have said, dont assume 3rd party only will be cheaper - even though it means the insurance company will have less to pay out. Ive just got 2 quotes for a classic hot hatch car. Third party for me with zero NCB (as it will be a 2nd car for me) was £400. Whereas, fully comprehensive came in at a very cheap £85! (eighty five pounds). Never fails to amaze me how insurance companies work these things out.