intensive driving courses and First car ideas + advice

note_2

atrixblue.-MFR-. wrote: »

if the concensus is that people advise groups 1-5 and a say for e.g a million new drivers choose that group of various vehicles in that group and insured them, crashed them, had them stolen, then how do you think the insurers adjsut the costs of insuring these goup cars?

simple answer there increase the premium cost of those group cars to all drivers.

think of it as area classifacation, 1000+ claims go in an area in a short period, that area then reclassified as risk!. same with grouping of cars but the group classification doesnt move just the insurers perspective of that group.

so your advice is to the OP to have a group 5+ insurance car for say £6000 a year to insure?

clearly you havent done the leg work when it comes to finding out which cars are cheapest to insure.

i sometimes read things like 'get a slow estate car, they are so slow to accelerate that insurers rate you as less likely to crash'. utter rot, the premium simply goes to £6000+.

atrixblue.-MFR-.

note wrote: »

so your advice is to the OP to have a group 5+ insurance car for say £6000 a year to insure?

clearly you havent done the leg work when it comes to finding out which cars are cheapest to insure.

i sometimes read things like 'get a slow estate car, they are so slow to accelerate that insurers rate you as less likely to crash'. utter rot, the premium simply goes to £6000+.

no i'm not saying buy a group 5+ car, all im saying is be mindfull that a group 1 car can be dearer to insure than another higher group rating because of what i explained so dont limit yourself to those groups.

i have done extensive leg work for my curcumstances when it comes to insurance for my cars.

area's, job titles, miles, etc all have different outcomes with insurance also.

i can insure a toyota supra twin turbo cheaper than my current 1.4 group 7 vehicle by at least a £290 per annum, but the toyota is not suited to my needs.

olly300

satchef1 wrote: »

Those quotes are scary. Where on Earth do you live, because it sounds like you're picking up a fair premium because of locality and (I assume) on-street parking?

I just passed my test at 25, yet I can insure a 2ltr Jag X-Type for less than any of your quotes (I'm not going to, just quoting as an example). My quotes for a 1.25 Fiesta are under a grand. I'm struggling to believe that you're being quoted over 3 times that simply because you're 3 years younger.

Believe it - that's how insurers work.

Simply because you are 25 you are suddenly a lower risk to insurers than someone who is 22 even if you lived in the same area and everything else was the same.

Suddenly when you are 25 you become mature.

Oh and quotes for under 21 year olds are riduculous.

mrathb

i think its because im close to town center also that im being quoted so much

on the postcode rating site that was linked on here im in a E* rated area

i found a car that i was quoted 2,600 for and its a 1.3

londonTiger

atrixblue.-MFR-. wrote: »

25 hours is not really experience. i would not feel comfortable in a car knowing that the driver is still a basic learner eventhough has passed a practical.

too long to do lessons normally? or too impatient?

sounds like you need to do a bit more research in the type of car you want run quotes one it dont be tempted to FRONT!.

LPG will be classed as a mod unless its factory fitted.

to be fair OP has road experience from riding his scooter so he'll have a leg up over first time drivers who've neevr had any road experience before.

it's possible to pass your driving test after 25 lessons. I don't think it's lack of experience that failes students I think it's more about nerves that gets students caught out in tests.

This wasa certainly the case for me. I failed majorly on my first test and it was making a wrong turn on a complex junction. After I made the move, I knew I had failed and I ended up driving like a breeze. The examiner just told me I failed and then spoke to my instructor and my instructor came back and told me what was up. I had something like 3 minors before the major mistake and then I got just 2 minors from the remaining part of the test which was 80% of the time.

btw here's how I ended up on the wrong side of the road. I prepared for this junctions so many times, spent so many hours in this road. But for some reason on test day logic eluded me and I did something stupid.



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atrixblue.-MFR-.

mrathb wrote: »

i think its because im close to town center also that im being quoted so much

on the postcode rating site that was linked on here im in a E* rated area

i found a car that i was quoted 2,600 for and its a 1.3

city limits with a e* rating, your going to be hard pressed for a cheaper quote being newly passed (when you pass).