Do you think car insurance is expensive for young people?

Strider590

I don't feel it's right that young drivers are demonised as much as they are, not when statistics show that elderly drivers have more accidents per mile than young drivers do, and that's only the accidents that actually get recorded, doesn't even count the hit and "i've never had an accident in 40 years" runs.

But hey, nobody is ever going to tackle the problem of elderly drivers, that wouldn't be politically correct, sure we have "Cassies law", but even that's not being fully enforced. Better to let innocent people die than to actually tackle a real problem.

bigadaj

Strider590 wrote: »

I don't feel it's right that young drivers are demonised as much as they are, not when statistics show that elderly drivers have more accidents per mile than young drivers do, and that's only the accidents that actually get recorded, doesn't even count the hit and "i've never had an accident in 40 years" runs.

But hey, nobody is ever going to tackle the problem of elderly drivers, that wouldn't be politically correct, sure we have "Cassies law", but even that's not being fully enforced. Better to let innocent people die than to actually tackle a real problem.

So start up your own insurance company and make the millions you believe you can by providing insurance at a lower cost than the big boys because you are convinced the risks and payouts will be so low.

cajef

Strider590 wrote: »

I don't feel it's right that young drivers are demonised as much as they are, not when statistics show that elderly drivers have more accidents per mile than young drivers do,

Not sure where you get your statistics from but that is not the official numbers.

http://researchbriefings.files.parliament.uk/documents/SN02198/SN02198.pdf

I would love to know what your opinion is when you reach an older age and are elderly and you will be one day, I bet you will not be willing to give up your licence.:p

Strider590

cajef wrote: »

Not sure where you get your statistics from but that is not the official numbers.

http://researchbriefings.files.parliament.uk/documents/SN02198/SN02198.pdf

I would love to know what your opinion is when you reach an older age and are elderly and you will be one day, I bet you will not be willing to give up your licence.:p

The statistics were release by the minister of transport some years ago and were once available here.
http://www.timesonline.co.uk/tol/news/article582391.ece


They have since disappeared from the web, I can only find the stats for various European countries and US/Canada, but that's no good because the UK elderly are obviously miraculously better drivers.

There is still one BBC news article.
http://www.bbc.co.uk/blogs/ipm/2008/09/some_statistics_on_elderly_dri.shtml

^^ Which I have no doubt will strangely disappear at some point in future as it doesn't follow the current political agenda.

Update: Doing a bit of digging the per-mile risks of drivers have been around a while, the Times reported that : "Department of Transport statistics show that drivers over the age of 80 have more accidents per mile than any other age group."

Robisere

I have not read all posts here, but I have signed the petition. I have 4 grandchildren, one actually working full time, her brother working 2 days a week and at college 3 days. Both of them live in a rural village, we live in another a few miles away. Public transport is a useless and underfunded as it always is in rural areas and they both need cars to get to and from work. Granddaughter struggled to save enough in time to get a car after passing her test, so we lent her the cash and she pays us monthly by S.O. We charge no interest of course. Her insurance is astronomical and she has a very small '55 plate Kia Picanto.

Her brother is taking lessons now and will start his next one at 9 am tomorrow (Saturday). Fortunately he has been working part time and saving hard, since he was 14 and his single parent dad takes nothing from him until he begins full time work. Dad takes very little from his daughter.

Our eldest grandson is 23 now, has his own flat and a responsible, well paid job, but is unable to drive due to medical reasons. However, he can walk to work. His sister is 11.

Point being that these are children of parents and grandparents who have passed down the work ethic. They are responsible, hard working citizens, like the majority of their peers, who suffer from being lumped together with a minority who are not responsible and possibly not hard working. There has to be a way that they can be allowed to live, get work and become good citizens, without being financially punished for simply being young. All the statistics anyone here produces, does not account for that.

rs65

Strider590 wrote: »

I don't feel it's right that young drivers are demonised as much as they are, not when statistics show that elderly drivers have more accidents per mile than young drivers do, and that's only the accidents that actually get recorded, doesn't even count the hit and "i've never had an accident in 40 years" runs.

There's more to it than frequency per mile - such as annual frequency and cost.

dacouch

Strider590 wrote: »

The statistics were release by the minister of transport some years ago and were once available here.
http://www.timesonline.co.uk/tol/news/article582391.ece


They have since disappeared from the web, I can only find the stats for various European countries and US/Canada, but that's no good because the UK elderly are obviously miraculously better drivers.

There is still one BBC news article.
http://www.bbc.co.uk/blogs/ipm/2008/09/some_statistics_on_elderly_dri.shtml

^^ Which I have no doubt will strangely disappear at some point in future as it doesn't follow the current political agenda.

If certain groups of senior citizens do have more accidents per mile, it may well be the case. However the cost to the Insurers for their accidents is much lower than the for young drivers.

Insurers are a business, like any other business they price themselves to be competitive for the classes of business they find profitable

Strider590

rs65 wrote: »

There's more to it than frequency per mile - such as annual frequency and cost.

You really want to talk about cost?

http://www.bbc.co.uk/news/uk-england-essex-19952050

dacouch

Strider590 wrote: »

You really want to talk about cost?

http://www.bbc.co.uk/news/uk-england-essex-19952050

Being realistic, the actual cost to the Insurers of the vehicle for the death of a 16 year old who I assume had no dependents would be £5k.

The real costs to an Insurer are for passengers who receive life changing injuries requiring 24 hour care especially if they're young when they receive the injuries.

Young drivers are far more likely to have passengers in their car than a normal driver and those passengers tend to be young. You do the mathes

Strider590

dacouch wrote: »

Young drivers are far more likely to have passengers in their car than a normal driver and those passengers tend to be young. You do the mathes

Better off in a car than to be mowed down and killed walking along the street.