21 replies to this topic

[AVV IT]

when these statistics are published about accidents do they take into account whether the driver has insurance or not? because i presume a 17 without insurance would be a lot less worried about their driving than someone who was 17 and had to ay 2-4 grand for insurance.
Also as insurance is so high most 17 year olds will get a small car and constantly want to go fast so rather than accelerate slow down for a corner then accelerate as thier car cant acclerate good will just go round a corner at the speed they were doing so as not to lose speed and many young drivers who do an engine swap do not declare it so this surely make it more dangerous than if the insurance was cheaper and i have even heard of people who know the mot enginer and get their mot passed without checking engine size and condition properly.
the idea about judging it on grades will not work as i know some people in my school who can get a*s in maths without trying yet if you spoke to them you would think they go to a special school, also what grade would it be beased on i got a a* a gcse physics yet got a d at english and was predicted a e so what does that make me, i also think art and music would help a lot less in terms of grades than maths,physics ,english i think possibly an interview for insurance or possibly refernces from various teachers/driving instrutor/neighbors not friends/family though.

I'm guessing that uninsured drivers are not included in insurance stats, as the insurance industries information is based on processed claims and an uninsured driver is unable to make a claim (although they could feature in somebody elses). Drivers who do an engine swap and do not declare it to their insurance company invalidate their insurance and might as well not bother with insurance. They tend to get found out in the event of a claim as insurance loss adjusters are paid to look for that kind of thing in order to get out of paying out on a claim. An MOT inspector would not care that an engine swap had taken place so long as the vehicle is roadworthy.

and am I to understand that believe that young drivers should be encouraged to drive more powerful cars otherwise they will just crash smaller ones on corners... interesting argument... cant be trusted to take a corner at speed in a lower powered car so replace with a high powered car and everything will be fine.... erm no... more power = more speed... more speed = more force (Force = mass x velocity squared and all that).... more force = more damage & more injury... No Thanks not when I might be coming the other way!

[samg.t]

when these statistics are published about accidents do they take into account whether the driver has insurance or not? because i presume a 17 without insurance would be a lot less worried about their driving than someone who was 17 and had to ay 2-4 grand for insurance.
Also as insurance is so high most 17 year olds will get a small car and constantly want to go fast so rather than accelerate slow down for a corner then accelerate as thier car cant acclerate good will just go round a corner at the speed they were doing so as not to lose speed and many young drivers who do an engine swap do not declare it so this surely make it more dangerous than if the insurance was cheaper and i have even heard of people who know the mot enginer and get their mot passed without checking engine size and condition properly.
the idea about judging it on grades will not work as i know some people in my school who can get a*s in maths without trying yet if you spoke to them you would think they go to a special school, also what grade would it be beased on i got a a* a gcse physics yet got a d at english and was predicted a e so what does that make me, i also think art and music would help a lot less in terms of grades than maths,physics ,english i think possibly an interview for insurance or possibly refernces from various teachers/driving instrutor/neighbors not friends/family though.

I'm guessing that uninsured drivers are not included in insurance stats, as the insurance industries information is based on processed claims and an uninsured driver is unable to make a claim (although they could feature in somebody elses). Drivers who do an engine swap and do not declare it to their insurance company invalidate their insurance and might as well not bother with insurance. They tend to get found out in the event of a claim as insurance loss adjusters are paid to look for that kind of thing in order to get out of paying out on a claim. An MOT inspector would not care that an engine swap had taken place so long as the vehicle is roadworthy.

and am I to understand that believe that young drivers should be encouraged to drive more powerful cars otherwise they will just crash smaller ones on corners... interesting argument... cant be trusted to take a corner at speed in a lower powered car so replace with a high powered car and everything will be fine.... erm no... more power = more speed... more speed = more force (Force = mass x velocity squared and all that).... more force = more damage & more injury... No Thanks not when I might be coming the other way!

where did i say they should drive more powerfull cars? i said part of the reason they go fast without paying attention and slowing down is because they want to go fast. everyone moans about speed cameras yet i have seen many people speeding then braking suddenly before a camera then speeding again surely this is much more dangerous. what im saying is if insurance was cheaper more people would have it and drive more sensibly rather than as someone said just risking it as the fines are cheaper than the insurance. also about the mot if a mod is not decleared on a car the insurance is void therefore if the car hit you you probable wouldnt be able to claim so i think it is important mot declares the engine size

[Sam14]

Along with what everyone has said above, its also down to the competition of the insurance markets.

Before I could drive when I was looking at what car to get I managed to get a quote of £1200 for a 1.3i mini cooper and £1000 for a mayfair ( both standard ). Then when I decided to get on the roads ( after I bought I 1.3i Cooper ) I checked out my insurance quotes. The majority of companies would not insure me or had quotes of over £4000, this was including me doing pass plus, extra alarm fitted and locked in my garage at night.

I thought something was wrong so I did some research and found out Quinn went bust ( the cheapest for young drivers ), and so the other companies did not have to play to the lowest bidder as such and all put the premiums up!

After days of calling,emailing and on the price comparison websites ( which are rubbish by the way ), my best quote was Adrian Flux at £2400 with me as a member of the British Mini Club aswell. Since that was my only option I paid it :S .

Insurace is daylight robbery!

Im still with Quinn insurance there just in administration and still doing quotes as they are starting to pick up on business again, well thats what one of the quinn sale people said?

[Scallywag630]

when these statistics are published about accidents do they take into account whether the driver has insurance or not? because i presume a 17 without insurance would be a lot less worried about their driving than someone who was 17 and had to ay 2-4 grand for insurance.
Also as insurance is so high most 17 year olds will get a small car and constantly want to go fast so rather than accelerate slow down for a corner then accelerate as thier car cant acclerate good will just go round a corner at the speed they were doing so as not to lose speed and many young drivers who do an engine swap do not declare it so this surely make it more dangerous than if the insurance was cheaper and i have even heard of people who know the mot enginer and get their mot passed without checking engine size and condition properly.
the idea about judging it on grades will not work as i know some people in my school who can get a*s in maths without trying yet if you spoke to them you would think they go to a special school, also what grade would it be beased on i got a a* a gcse physics yet got a d at english and was predicted a e so what does that make me, i also think art and music would help a lot less in terms of grades than maths,physics ,english i think possibly an interview for insurance or possibly refernces from various teachers/driving instrutor/neighbors not friends/family though.

I'm guessing that uninsured drivers are not included in insurance stats, as the insurance industries information is based on processed claims and an uninsured driver is unable to make a claim (although they could feature in somebody elses). Drivers who do an engine swap and do not declare it to their insurance company invalidate their insurance and might as well not bother with insurance. They tend to get found out in the event of a claim as insurance loss adjusters are paid to look for that kind of thing in order to get out of paying out on a claim. An MOT inspector would not care that an engine swap had taken place so long as the vehicle is roadworthy.

and am I to understand that believe that young drivers should be encouraged to drive more powerful cars otherwise they will just crash smaller ones on corners... interesting argument... cant be trusted to take a corner at speed in a lower powered car so replace with a high powered car and everything will be fine.... erm no... more power = more speed... more speed = more force (Force = mass x velocity squared and all that).... more force = more damage & more injury... No Thanks not when I might be coming the other way!

where did i say they should drive more powerfull cars? i said part of the reason they go fast without paying attention and slowing down is because they want to go fast. everyone moans about speed cameras yet i have seen many people speeding then braking suddenly before a camera then speeding again surely this is much more dangerous. what im saying is if insurance was cheaper more people would have it and drive more sensibly rather than as someone said just risking it as the fines are cheaper than the insurance. also about the mot if a mod is not decleared on a car the insurance is void therefore if the car hit you you probable wouldnt be able to claim so i think it is important mot declares the engine size

Going fast + inexperience = more accidents and hence more claims. This in turn means higher premiums.

[AVV IT]

"where did i say they should drive more powerfull cars?"

You didn't, you made a point about young drivers having to drive smaller cars for insurance reasons and therefore maintaining speed in corners, you then went onto explain that they make illicit engine swaps in the same sentence. Your grammar therefore implies that you are talking about the same people doing both things and is also the reason why I phrased my response as "am i to understand"

[samg.t]

"where did i say they should drive more powerfull cars?"

You didn't, you made a point about young drivers having to drive smaller cars for insurance reasons and therefore maintaining speed in corners, you then went onto explain that they make illicit engine swaps in the same sentence. Your grammar therefore implies that you are talking about the same people doing both things and is also the reason why I phrased my response as "am i to understand"

yes i would agree it is normally the people who are insured/ not fully declared mods that drive fast and dangerously causing accidents which raises the accident/age statistics dragging everyone else down with it. as i said i think indivual interview/reference should be done for insurance rather than tarring everyone with the same brush. im sure there are many 17-19 who drive much more carefully than some 30-40 year olds however have higher insurance which doesnt seem fair.

[Redbaron6969uk]

All I have to say is that it has always been this way. The difference between older drivers and younger drivers was the same when I was 20 as it is now.

I hate to admit it but I was a boy racer when I was younger and could never understand why it cost so much to insure a car and thought it all so unfair.

But in truth it is only now that I am older I realised what a TWIT i was (feel free to swap the I for and A in that word)

Unfortunatly evolution has dictated that adolescents have something to prove which was ok when we lived in caves.

but now there are cars able to easily top the tonne plus with emence power. it is a little more dangerous.

And before anyone says anything I am saying that all young people are irresponcible but statistics are king in the insurance game.

I also believe that there should be compulsory tests every 3 years to keep your licence and that you should have to retake some sort of test every time you have an accident and are at fault.

I think this should be regardless of age as there are just as many awful older drivers as younger.

All those younger driver who think it all unfair please bear in mind that if I could swap my insurance for yours and get the last 25 years back I would jump at it in a flash. because u got ur whole life ahead of you and u wont realise it until ur old n knackered like me lol....