Insurance Shambles

Lum

If you want a more trendy car you're going to end up paying through the nose to insure it, end of.

Un-trendy cars can still be good though. For example try a Nissan Maxima. Decent reliable FWD car and you can truthfully claim that it has the same V6 engine as the 300ZX which as got to be worth a bit of credibility even if they did mount that engine the wrong way around and connect it to the wrong wheels

Arg

BlueFox wrote: »

Fair point.

However, most insurers WILL discount your premium if you park your car in a locked garage. Aside from the lower theft risk it also reduces the risk of cyclists getting too close & scratching it, ditto pushchairs, kids on skateboards or scooters. Also cars, delivery vans, lorries etc bumping into it, especially if your road isn't very wide.

I'm sure most peoples excess limit would cover damage like that. For example how much does it cost to get a scratch repaired professionally?

mikey72

jimmysayshey wrote: »

.......I know, if I was the main driver. But I talked it over with my dad and I was going to only drive 3 or so days out of the week and he was going to be the main driver, so it's ok

It may be true in your case, but they'll tar you with the same brush as all the others it isn't true for.
You'll be very lucky if they pay out for any claim without a lot of hassle.

patman99

OP, have you thought about a small commercial?. Try getting quotes on some of the more trendy looking pick-ups like the Warrior or Hilux. For some reason, commercial vehicle insurance is much cheaper than car insurance.

AndyGuil

scheming_gypsy wrote: »

Part of the problem is that you're looking at exactly the same cars that all the other people your age are looking at; Corsas, Puntos, Polos and lots of other small engined cars that teenager chav up and wrap round a tree.. Look outside the box at cars that don't suit your age; small engine doesn't mean small insurance.
Look at a bigger engined older person car and you might be surprised; Volvo, Rover, even possibly BMW's and even though i'm 35, i've noticed that 4x4's are cheaper to insure than a normal car.

First time drivers won't get a quote on a larger engine car. Although I have found that certain cars are less than others to insure. The major problem is young drivers are very high risk and insurers start making a loss if they do not charge enough. Some insurers do not even quote for young drivers and others try to price themselves well above others to avoid having them. Ultimately it is age that is the problem. The OP should look into the insurance schemes that use car monitoring systems to check acceleration, deceleration and speed. Stick with a car in the 1-1.2l range and go for the least sporty, unattractive and least powerful car you can get.

AndyGuil

jimmysayshey wrote: »

Yeah but realistically I don't see myself driving a morris minor. I'm probably more likely to crash it!



I know, if I was the main driver. But I talked it over with my dad and I was going to only drive 3 or so days out of the week and he was going to be the main driver, so it's ok

As long as he will be driving the car more miles than you. Insurers are very keen to investigate this in a claim. Any chance they can get out of paying and they will.

shandoli

I don't understand why some of you are moaning.

You want to buy a product/service and the insurers are giving you a price. If it is too expensive, then tough luck. Go and make more money.

The "I cant afford it" is a terrible excuse.

Afterall, would it make any sense if I walked into a shop and wanted to buy something I cant afford and then come back here and moan about it?

Bottom line is, you cant afford it. So either give it up for now or go out and make some extra cash.

scheming_gypsy

shandoli wrote: »

I don't understand why some of you are moaning.

You want to buy a product/service and the insurers are giving you a price. If it is too expensive, then tough luck. Go and make more money.

The "I cant afford it" is a terrible excuse.

Afterall, would it make any sense if I walked into a shop and wanted to buy something I cant afford and then come back here and moan about it?

Bottom line is, you cant afford it. So either give it up for now or go out and make some extra cash.

so you're moaning about people moaning instead of finding a thread where people aren't moaning?

funkycoldribena

shandoli wrote: »

I don't understand why some of you are moaning.

You want to buy a product/service and the insurers are giving you a price. If it is too expensive, then tough luck. Go and make more money.

The "I cant afford it" is a terrible excuse.

Afterall, would it make any sense if I walked into a shop and wanted to buy something I cant afford and then come back here and moan about it?

Bottom line is, you cant afford it. So either give it up for now or go out and make some extra cash.

So how much do you pay then?

Lum

shandoli wrote: »

I don't understand why some of you are moaning.

You want to buy a product/service and the insurers are giving you a price. If it is too expensive, then tough luck. Go and make more money.

It's a very justified moan I think. Sure young drivers are a risk, but the massive repair costs of modern cars, and the hideously expensive injury claims you get these days have caused the price to go up disproportionately.

"Go and make more money?" Have you forgotten what it's like to be young? The country doesn't exactly have a surplus of jobs available for any age group, let alone high paying jobs available to a 19 year old with little or no work experience.

Even if such a job were available, the chances of it being within his current, car-less, commuting range are virtually non-existent.