insuring a 17 year old

C_Ronaldo

Alison_B wrote: »

We are going to be in this situation in 6 months time when my son is 17. We have started looking around for a car for him.

My nephew has just passed his test and he has paid £2,100 for his insurance on a 51 plate 1.2 Fiat Seicento fully comp on his own policy. My friends daughter has just passed her test and purchased an 05 plate 1.2 Renault Clio and paid £1,200 insurance. It is so wrong that males and females aren't charged the same amount as she is more likely to be a racer than my nephew.

females arent seen as much of a risk as males but to be honest females can be as bad as males

Charis

Alison_B wrote: »

We are going to be in this situation in 6 months time when my son is 17. We have started looking around for a car for him.


It is so wrong that males and females aren't charged the same amount as she is more likely to be a racer than my nephew.

Policy prices are worked out using statistics of actual accidents and fatalities. In our (very rural) county there are road deaths every month and the majority are young, male drivers, sometimes on their own, sometimes with mates. they often simply leave the road because they have wrongly estimated a bend or decided to overtake at a bad moment. A lot of younger males drive here because the alternative is being stranded at home. No decent public transport, especially after 6pm.

One thing to remember is that if a youngster makes any modifications to a car the policy may be invalid if you don't inform the insurance co. Many lads like to parade their vehicles and give them a tweak here and there. My son's insurance shot up 10% for every modification. We could understand it when he had wide wheels, but metal pedals, a more comfy seat and not having the badge on the front - it had been stolen - cost 10% for each too. They even wanted 10% if he changed the colour.

Alison_B

But isn't the stupid pricing making young males drive without insurance in the first place as they can't afford it? My sister has heard of a few people driving without insurance because they can't afford it.

nickmack

Alison_B wrote: »

But isn't the stupid pricing making young males drive without insurance in the first place as they can't afford it? My sister has heard of a few people driving without insurance because they can't afford it.

Nothing is *making* anyone drive without insurance. Driving is a privilege, not a right and insurance is compulsory, not optional if you don't like the price.

Statistically, young males are much more likely to be involved in an accident than any other group, so that's why premiums are so high.

Alison_B

I didn't say that it was a right for kids to drive, I just made the point that with insurance being excessive for young lads, there was no wonder that some were driving around without it. I don't agree that they are doing this, we are looking for insurance for my son but when the insurance is thousands more than the car is worth, is it any wonder that some might not bother.