17-Year Old Insurance Impossible???

thegirlintheattic

Spiderham wrote: »

I don't think it is hypocritical, I only got a car because I could afford one. Prior to passing my test I got the bus and walked to places (this was in North West England, so bus networks weren't great). It was a pain but I dealt with it. Insurance was bloody expensive when I got it (£1500 at first, dropping to the aforementioned £1200 when I did Pass Plus). Living in South East London, we don't have an underground system, just trains and buses.

You have to live within your means. What's the alternative, insurers intentionally subsidise young drivers and people in remote areas at a massive loss? How do you decide what groups deserve reductions and which don't. It's also hard to run owing to the rules regarding competition and non-collusion in the industry. Insurers set rates according to the risk they calculate, so premiums should be representative of average risk, if they aren't it's bad for the insurer.

The statement that was made was why would ANY 17 year old need a car, too which several posters pointed out situations where a car would be needed. If wasn't do people have a right to a car nor about living within their means.

Spiderham

thegirlintheattic wrote: »

The statement that was made was why would ANY 17 year old need a car, too which several posters pointed out situations where a car would be needed. If wasn't do people have a right to a car nor about living within their means.

The original statement I made was thought that I didn't see why people felt they had a right to have a car which is what I was picked up on. I also made the fair point of asking what these people did before passing the test and why that suddenly became an untenable situation once passing their test.