My son has crashed his car.

frosty

Hi everyone,I need some advice please,my son (18)lost control of his car on a round about and he hit 3 parked cars,no one was hurt (thankfully).The insurance company have written off his car,with the excess and extra premium his has had to pay he wont really get anything back for his car.
He had only been insured for 6 days:eek: ,
He cant afford to buy another a car(thank god:rolleyes: ),he has to pay £164.00 a month car insurance,I was wondering if he can cancel this insurance or is he obliged to keep paying it for the next year.The police have charged him with careless driving and he is waiting to go to court,the chances are he will be banned and be given a large fine and have to resit his test.
I wish they would up the age for driving,where we live (rural area)they see an open road and put their foot down,they never think they are going to crash,kill themselves or injure anyone else.The death toll here is heading for 60 and they are nearly all under 21 years old.I am praying my son gets banned for a long time and that he learns a lesson.

poppy_f1

as far as i know in the event of a claim you need to pay the rest of the premiums on the policy, but that might differ for different insurance companies

tomstickland

I wish they would up the age for driving,where we live (rural area)they see an open road and put their foot down,they never think they are going to crash,kill themselves or injure anyone else.The death toll here is heading for 60 and they are nearly all under 21 years old.I am praying my son gets banned for a long time and that he learns a lesson.

Sorry to hear the news. However, not everyone crashes within the first year of passing their test.

frosty

tomstickland wrote:

Sorry to hear the news. However, not everyone crashes within the first year of passing their test.

I know,but I am a nervous wreck,I just want to protect my son.We live in an area full of boy racers,we can hear their cars screeching round corners,they speed through our town,the country roads have a speed limit of 60 mph,they dont have the experience or skill to drive at these speeds,the roads are full of sharp bends, not a week goes by without a young lad being killed leaving his poor family devastated and heart broken.I made my son do a pass plus course to give him more experience.I know I shouldnt label all young lads the same but it is a high risk group.Maybe city and small town driving is a little bit safer than rural driving.Maybe I just worry too much.

flang

i know the feeling my towns full of boy racers!!!
dont take this personally but people like your son really do pee me off, something really needs to be done!
im a young driver 21 i drive safely, dont speed, dont have a modified car, dont drive in circles all day yet I have to pay increased insurance costs because of the few that drive like fools!
Personally i think the legal age to drive a car should be raised!
17 is just to young !!

withabix

He will have to pay the full year's premium.

tomstickland

I don't think anything much can be done; I passed my test at age 17 and didn't have any problems. Why penalise everyone because of a few?
There is a concept of personal responsibility for making decisions.

What you need is some videos about car accidents for him to watch.

Boy racers are notorious for a surfeit of enthusiasm above ability. Where they go wrong is in going too fast too soon rather than slowing building up to it. To a certain degree you're battling against the habits of men though; I'm 33 and still see cars as a source of entertainment rather than a utility for getting from A to B.

nearlyrich

My DS has been driving since he was 17 and he has never had a crash or got any points on his licence but he has had to pay over the odds because of the mad ones.

I can understand the OP's point but I would have thought that young people in rural areas with poor public transport would have more respect for their passport to freedom.

iceicebaby

He will have to pay the full years premium yes. The insurance company pay out based on the fact that the full premium is paid, the fact he is paying it monthly is a seperate agreement.

He will have to pay for the years premium in afraid.

Thank god him and everyone else is ok and hope he has learnt his lesson too

tomstickland

A year of paying for a crashed car I'm sure will be a lesson learnt.

Horasio

tomstickland wrote:

Sorry to hear the news. However, not everyone crashes within the first year of passing their test.

My son passed his test and didn't crash in his first year either. I don't want to tempt fate tho'