Insurance Shambles

pitkin2020

ITs the way insurance is now, my first year on a 1.1 pug 205 was £1700 TPFT the car only cost me £200. I did find though that once I stepped away from the small cars I did notice a drop. With 1 years NCB a 1.1 fiesta was still around £1400 yet a 2.9 toyota carina (not exactly a young persons car) was down to £800.
Look around the autotrader for some cars that don't usually fit the younger person and get the reg number, then play around on moneysupermarket/gocompare and see if you can bring it down.

I would avoid adding your dad/mum/nan/aunt as main driver as it won't do you any favours in the long run but definetly play around again adding them as named drivers. Sometimes one person seems to bring it down more than someone else and sometimes 2 named drivers have a good effect too. Again just keep changing things around on the comparison sites and see what you can get it down to.

Don't try claiming low mileage if your going to be doing high mileage or its garaged when you don't have a garage.

mikey72

casseus wrote: »

its not just young drivers that have been hit in the wallet everyone has, people to blame are the crooks who make crash for cash jobs and drive uninsured, us for being like americans and claim at every given opertunity we can in the event of personal injury, the goverments for giving insurers the excuses to inflate prices.

before long every town and county in the country will have been classified with high risk to insurers due to cuts in police forces up and down the UK giving the insurers the excuse.

my rover 214 sei was cheaper to insure than a 1.0 nova, why, because back then every under 25 had one, wrapped it up, or had it stolen or modified it to a GSI/GTE lookalike.
my second car a pug 205 1.1 GL was stupidly uninsurable, everyone under 25 wanted or had a GTI lookalike.
astra 1.4 J reg was easy to insure at £600 a year then increased when everyone under 25 wanted to have or had a GSI lookalike.

dont FRONT with insurers dad main you named you drive car all the time, when you smash it questions will arise.

if your car is over 11 or 15 years with some insurers. think classic car insurance hell you earn no NCB but for peanuts would you really care?

that would open up your potential car market in my honest opinion.

Un-insured drivers add £30 to everyones policy apparently.
If the op has been quoted £7000, I don't think reducing it to the £6970 if everyone was insured would help much.

As for the personal injury claims, maybe they would reduce if our own insurers stopped selling our details to claim management companies?

mikey72

pitkin2020 wrote: »

.............Don't try claiming low mileage if your going to be doing high mileage or its garaged when you don't have a garage.

Garage is normally more expensive than on street parking for insurance.

pitkin2020

mikey72 wrote: »

Garage is normally more expensive than on street parking for insurance.

Maybe you should let them know your garage has doors and a roof. :rotfl::rotfl:

jimmysayshey

s_b wrote: »

ive heard this so many times i just dont listen anymore
i was once cut up by a lad who had only collected the car the day before and his parents gave ME a lecture how good he was at driving
little story for you,for 20 years ive tried not to sell to young lads in case they wall their cars and i go to court as a consequence because some !!!!!!! person says car brakes were only 80% efficient
dont need the crap
never did
no offence OP

Maybe you missed the 'moneywise' part.

casseus wrote: »

its not just young drivers that have been hit in the wallet everyone has, people to blame are the crooks who make crash for cash jobs and drive uninsured, us for being like americans and claim at every given opertunity we can in the event of personal injury, the goverments for giving insurers the excuses to inflate prices.

The government isn't doing enough in my opinion, or they're just not thinking things through. I mean the new legislation seems like its been rushed through, apparently it's going to reduce uninsured drivers? How?
WHY not just fit in ANPR camera's, or fit them into existing speed camera's, and run a database check everytime a car goes by. I'm sure it's possible.

pitkin2020

jimmysayshey wrote: »

Maybe you missed the 'moneywise' part.




The government isn't doing enough in my opinion, or they're just not thinking things through. I mean the new legislation seems like its been rushed through, apparently it's going to reduce uninsured drivers? How?
WHY not just fit in ANPR camera's, or fit them into existing speed camera's, and run a database check everytime a car goes by. I'm sure it's possible.

LMAO what planet are you on. The sheer cost of fitting ANPR cameras everywhere which would then need to be connected to a central server would run into the millions if not billions. The new system uses the database from the DVLA and cross checks it against the insurers database. If they don't match i.e SORN or active and insured the system generates a letter and some desk monkey posts it out.

Of course there is the initial cost of setting the databases up etc but no where near the cost of placing cameras everywhere then the ongoing cost of maintaining the cameras.

I'm not saying for one minute the new law will prevent uninsured drivers, all it means is those that were driving around uninsured before will now drive around whilst SORN.

Your 19 with no driving experience in a high risk area, you have to suck it up and pay the premium its the price you have to pay for the privelage of driving. You have the right not to drive if you can't afford to. Sorry if it sounds harsh but there is only so many ways you can reduce your premium, experience is the biggest factor for reducing insurance.

s_b

Maybe you missed the 'moneywise' part.

no
sometimes you have to spend money
i said £40 a week to get some history under your belt is still cheap in the bigger picture
when i started motor trading only norwich union would quote me at £2400 a year,i was selling £495 cars if i was lucky,i payed for 2 years kept my nose clean and told them to stuff it
it hurt
it hurt big to pay but i had no history

jimmysayshey

s_b wrote: »

no

Well, you obviously did....

s_b

jimmysayshey wrote: »

Well, you obviously did....

so you would spend a little to lose a lot
lets say OP was fronted and found out and got a criminal record
im from yorkshire i can split a fish and a rock stuck together from my yorkshire mixtures while you bat an eyelid

jimmysayshey

s_b wrote: »

so you would spend a little to lose a lot
lets say OP was fronted and found out and got a criminal record
im from yorkshire i can split a fish and a rock stuck together from my yorkshire mixtures while you bat an eyelid

I said I was careful with money, nothing about how good a driver I was, which what you're initial reply was