21 replies to this topic

[samsfern]

my friends selling his project car, a honda integra type r dc2, jap import, i was going to buy it off him, as its stuck in my rented garage, phoned up to get an insurance quote, im 19, 2 years no claim, clean licence, the cheapest quote i got was 6k! what the hell! to rub it in even more my mum, 40, last claim she made was 6 years ago, she was quoted 450! what the hell, its age discrimination!

another one, someone at works selling a rover 25, cheapest i was quoted was 2500! for a 1.4 shopping car worth 400 pound! its ridiculous!my mum got quoted 200! how is that fair?!?!?

so basically i feel like the insurance companies are forcing me to buy a ******* car to use everyday, i wanted something nice and cool, but obviously cant as theres no way ill be able to afford the insurance! thanks alot insurance companies, ill have to get a ******* and give them the money i could have spent on a good car! i now understand why people buy ******* cars and drive with no insurance, its cheaper to pay the fine if your caught than it is to get insurance! its not fair!

rant over.

Edited by samsernie, 03 August 2010 - 11:12 PM.

[skaterava]

Tell me about it. Last week i tried to get temporary cover on my mum's 2006 BMW 118d M Sport (not a particularly powerful or fast or expensive car), as we were going on a long road trip through West Europe, and her insurance company turned me down, citing that i had to be at least 23 to get temporary cover on anything at all. It didn't stop me though

The same company in question quoted me £2000 on my then standard mini when i passed my test at 17. I have a friend who owns a 2004 Peugeot 206 Gti (the 180bhp version), he's 24 and drives like an absolute maniac, and yet he pays around £800! Age means nothing but it appears the insurers miss that. So, there's two ways to combat this frankly unfair procedure of young drivers always being discriminated against.

Either the driving test needs to become a lot harder, or insurance companies have to be more in-depth about the checks they do when calculating quotes. Forget what bits and pieces have been added to the car, contact schools and ask for exam results, attendance and behaviour. That way, the under achieving wacky-baccy smoking 17 year old chav who scraped through his test won't get insurance for less than £1500, and the people who can actually drive without posing a risk to anyone can benefit.

Edited by skaterava, 04 August 2010 - 12:18 AM.

[AVV IT]

Well you did ask!!!...... It's simply because all insurance premiums are calculated by risk and statistically the risks involved in insuring a 19 year old male just stack up and up and up. It’s not necessarily fair on the individual, but it’s the only way that insurance companies can protect themselves from making a loss.

Males statistically make more insurance claims than females in the first place, making males of all ages more expensive to insure from the outset. Statistically young males generally take significantly more risks, for instance the statistics for deaths recorded due to "misadventure" by UK coroners are three times higher in males under 25 than in any other age group. The majority of motor claims also occur from accidents that happen during the hours of darkness, (which always seems odd when you consider that there are less cars about at night), this happens to be when the roads are filled with younger people (as the majority of old gits are all tucked up in bed or stuck in doors because their kids are in bed!) Meaning if you are young you are likely to be out on the road at a time when more accidents are occurring making you at increased risk of making a claim. Any 19 year old driver (of either sex) is a relatively inexperienced driver, as they can only legally have a maximum of two years driving experience. Statistically you are more likely to have an accident and make a claim if you are inexperienced. Similarly you can only have two years of your own no claims bonus, pushing premiums up further. Motor vehicles that are over 5 years of age are statistically more likely to be involved in an accident and are considered a bigger risk (& there aren’t many 19 year olds driving cars under 5 years old, are there?). The largest group of motor accident claims also occur whilst carrying one or more passengers that are non family members under the age of 25. If you’re 19 year old driver you are much more likely to carry such passengers (i.e. your mates) and are therefore more likely to make a claim.

So add all this together and then add in the cost of uninsured drivers and the fact that claims are getting bigger, as they often now include a significant compensation element (thanks to our “no win no fee” litigation culture) and for a 19 year old male you arrive at a ridiculous premium like £6k.

[.998TANGO.]

i tried to get insurance on a 1.4! civic last week,wanted something nicer for longer journeys, im 18 1 years no claims clean licence kept in locked garage, cheapest quote was £2500. absolutley rediculous considering i pay £600 for a modded mini.

[Sam14]

Because of all those generation before made those premiums so damn high and teenagers today

and all those young'ns that dont insure, tax, mot there car

Plus your trying to insure something that has a bigger engine and has a highier price value and there not worried about your car so much its what your likely going to hit and what damage you will cause

Say your mini hit a brand new honda civic for example, what will cost more?

The written off value of the Honda would double the value of your mini

due to all the technology and so forth that comes with a brand new car...

i could explain on but cant be bothered

Oh just a quick note and edit here's an example, every time there is a motorbike crash all premiums for a bikers insurance goes up £1 with complications

Edited by Sam14, 04 August 2010 - 03:46 PM.

[Stevee]

i got quoted on my mini with a 1380 turbo £600 and then for the 998 as is £750 :S explian?

and then my cusin brought a 56 plate nissian nirvana and he pays £1000 a year and tis 2.5 tdi hes 22 :/

[nick217]

For my first car (Mini 1275) first year driving im getting quotes for over three grand? I might as well just buy a moped !!! and do 6 years on it :/

[Sam14]

i got quoted on my mini with a 1380 turbo £600 and then for the 998 as is £750 :S explian?

and then my cusin brought a 56 plate nissian nirvana and he pays £1000 a year and tis 2.5 tdi hes 22 :/

Where they quoted at different times or at different ages?

You know it sounds weird but if my knowledge is correct that insurance quote can rise during the summer time as that is the peak time and there are more people on the roads, im not to sure on that one.

17-21
22-24
25+

i think thats the different ages you will notice a small reduce in your insurance quotes

[AVV IT]

Tell me about it. Last week i tried to get temporary cover on my mum's 2006 BMW 118d M Sport (not a particularly powerful or fast or expensive car), as we were going on a long road trip through West Europe, and her insurance company turned me down, citing that i had to be at least 23 to get temporary cover on anything at all. It didn't stop me though

The same company in question quoted me £2000 on my then standard mini when i passed my test at 17. I have a friend who owns a 2004 Peugeot 206 Gti (the 180bhp version), he's 24 and drives like an absolute maniac, and yet he pays around £800! Age means nothing but it appears the insurers miss that. So, there's two ways to combat this frankly unfair procedure of young drivers always being discriminated against.

Either the driving test needs to become a lot harder, or insurance companies have to be more in-depth about the checks they do when calculating quotes. Forget what bits and pieces have been added to the car, contact schools and ask for exam results, attendance and behaviour. That way, the under achieving wacky-baccy smoking 17 year old chav who scraped through his test won't get insurance for less than £1500, and the people who can actually drive without posing a risk to anyone can benefit.

"the under achieving wacky-baccy smoking 17 year old chav who scraped through his test won't get insurance"... now who's being discriminatory??

lets just take a look at that statement for a minute....

"17 year old" (erm...thats age discrimination!! isn't that what this thread is complaining about??)
"scraped through his test!" (regardless of how many minor marks you got on your test, there is formally no such thing as "scraping through". The UK DSA driving test is not graded, it's pass or fail!)
"under achieving" & "Chav" (social class and academic achievement has very little impact on driving ability, as like football driving is a physical skill. If anything the reverse would be true, academics are more likely to be poorer drivers as they generally have less manual dexterity)
"wacky-baccy smoking" (This is already taken into account, if someone has a conviction for illicit substance use they are required to declare it to their insurance company... that's why the insurance company asks if you have any convictions & not just driving ones.)

The UK driving test doesn't need to become any harder, it's actually a very high standard and people struggle to pass it as it is! What needs to happen is for people to actually drive to the standard that they were taught to and examined on. I've been a driving examiner for the emergency services for ten years and I rarely meet a new recruit who still has the skills to pass their driving test. People simply pass their test and then decide that they don't need to drive like that anymore now that they've passed their test. The only way to change this would be to introduce the regular retesting of all drivers, which is just never going to happen.

If you want to reduce your risk (& therefore your premiums) as a driver of any age, then you could do the only thing that will actually make you a better and safer driver than everyone else. Take advanced driving lessons and pass your advanced driving test, you will then be entitled to insurance discounts a member of the Institute of Advanced Motorists.

[RobFox]

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!

[samsfern]

Tell me about it. Last week i tried to get temporary cover on my mum's 2006 BMW 118d M Sport (not a particularly powerful or fast or expensive car), as we were going on a long road trip through West Europe, and her insurance company turned me down, citing that i had to be at least 23 to get temporary cover on anything at all. It didn't stop me though

The same company in question quoted me £2000 on my then standard mini when i passed my test at 17. I have a friend who owns a 2004 Peugeot 206 Gti (the 180bhp version), he's 24 and drives like an absolute maniac, and yet he pays around £800! Age means nothing but it appears the insurers miss that. So, there's two ways to combat this frankly unfair procedure of young drivers always being discriminated against.

Either the driving test needs to become a lot harder, or insurance companies have to be more in-depth about the checks they do when calculating quotes. Forget what bits and pieces have been added to the car, contact schools and ask for exam results, attendance and behaviour. That way, the under achieving wacky-baccy smoking 17 year old chav who scraped through his test won't get insurance for less than £1500, and the people who can actually drive without posing a risk to anyone can benefit.

"the under achieving wacky-baccy smoking 17 year old chav who scraped through his test won't get insurance"... now who's being discriminatory??

lets just take a look at that statement for a minute....

"17 year old" (erm...thats age discrimination!! isn't that what this thread is complaining about??)
"scraped through his test!" (regardless of how many minor marks you got on your test, there is formally no such thing as "scraping through". The UK DSA driving test is not graded, it's pass or fail!)
"under achieving" & "Chav" (social class and academic achievement has very little impact on driving ability, as like football driving is a physical skill. If anything the reverse would be true, academics are more likely to be poorer drivers as they generally have less manual dexterity)
"wacky-baccy smoking" (This is already taken into account, if someone has a conviction for illicit substance use they are required to declare it to their insurance company... that's why the insurance company asks if you have any convictions & not just driving ones.)

The UK driving test doesn't need to become any harder, it's actually a very high standard and people struggle to pass it as it is! What needs to happen is for people to actually drive to the standard that they were taught to and examined on. I've been a driving examiner for the emergency services for ten years and I rarely meet a new recruit who still has the skills to pass their driving test. People simply pass their test and then decide that they don't need to drive like that anymore now that they've passed their test. The only way to change this would be to introduce the regular retesting of all drivers, which is just never going to happen.

If you want to reduce your risk (& therefore your premiums) as a driver of any age, then you could do the only thing that will actually make you a better and safer driver than everyone else. Take advanced driving lessons and pass your advanced driving test, you will then be entitled to insurance discounts a member of the Institute of Advanced Motorists.

so because i done pretty ******* at school, due to social reasons, which the school didnt seem to undertsand, and left early, only achieved 3gcse's, as thats all the school would allow me to sit, i could have done so much better but the school proper screwed me over, id have to pay sky high insurance as im an under achiever? I passed my theory and driving test first time and am now working towards getting a comprtition licence, so probably have a bit more experience than your average 19 year old, not saying im the best driver out there, i make a few mistakes every now and then, thats human error, its just so lfrustrating that if i bought the car i wanted for longer journeys and when i want to improve things on the mini, i wouldnt be able to afford to do the mini.

[AVV IT]

Tell me about it. Last week i tried to get temporary cover on my mum's 2006 BMW 118d M Sport (not a particularly powerful or fast or expensive car), as we were going on a long road trip through West Europe, and her insurance company turned me down, citing that i had to be at least 23 to get temporary cover on anything at all. It didn't stop me though

The same company in question quoted me £2000 on my then standard mini when i passed my test at 17. I have a friend who owns a 2004 Peugeot 206 Gti (the 180bhp version), he's 24 and drives like an absolute maniac, and yet he pays around £800! Age means nothing but it appears the insurers miss that. So, there's two ways to combat this frankly unfair procedure of young drivers always being discriminated against.

Either the driving test needs to become a lot harder, or insurance companies have to be more in-depth about the checks they do when calculating quotes. Forget what bits and pieces have been added to the car, contact schools and ask for exam results, attendance and behaviour. That way, the under achieving wacky-baccy smoking 17 year old chav who scraped through his test won't get insurance for less than £1500, and the people who can actually drive without posing a risk to anyone can benefit.

"the under achieving wacky-baccy smoking 17 year old chav who scraped through his test won't get insurance"... now who's being discriminatory??

lets just take a look at that statement for a minute....

"17 year old" (erm...thats age discrimination!! isn't that what this thread is complaining about??)
"scraped through his test!" (regardless of how many minor marks you got on your test, there is formally no such thing as "scraping through". The UK DSA driving test is not graded, it's pass or fail!)
"under achieving" & "Chav" (social class and academic achievement has very little impact on driving ability, as like football driving is a physical skill. If anything the reverse would be true, academics are more likely to be poorer drivers as they generally have less manual dexterity)
"wacky-baccy smoking" (This is already taken into account, if someone has a conviction for illicit substance use they are required to declare it to their insurance company... that's why the insurance company asks if you have any convictions & not just driving ones.)

The UK driving test doesn't need to become any harder, it's actually a very high standard and people struggle to pass it as it is! What needs to happen is for people to actually drive to the standard that they were taught to and examined on. I've been a driving examiner for the emergency services for ten years and I rarely meet a new recruit who still has the skills to pass their driving test. People simply pass their test and then decide that they don't need to drive like that anymore now that they've passed their test. The only way to change this would be to introduce the regular retesting of all drivers, which is just never going to happen.

If you want to reduce your risk (& therefore your premiums) as a driver of any age, then you could do the only thing that will actually make you a better and safer driver than everyone else. Take advanced driving lessons and pass your advanced driving test, you will then be entitled to insurance discounts a member of the Institute of Advanced Motorists.

so because i done pretty ******* at school, due to social reasons, which the school didnt seem to undertsand, and left early, only achieved 3gcse's, as thats all the school would allow me to sit, i could have done so much better but the school proper screwed me over, id have to pay sky high insurance as im an under achiever? I passed my theory and driving test first time and am now working towards getting a comprtition licence, so probably have a bit more experience than your average 19 year old, not saying im the best driver out there, i make a few mistakes every now and then, thats human error, its just so lfrustrating that if i bought the car i wanted for longer journeys and when i want to improve things on the mini, i wouldnt be able to afford to do the mini.

Erm... I'm not sure why your quoting my response as I was the one who said that "social class and academic achievement has VERY LITTLE impact on driving ability, as like football driving is a physical skill". I actually intimated that lower levels of academic achievement may actually make you a better driver than someone more academic.

...& a competition license will make you much faster round a track, but it certainly wont make you significantly safer on the road. If anything it could encourage you to take more risks as you will be more comfortable with driving at higher speeds. The track is not the same as the road, as the track is a much safer environment with far less hazards. Which is why blue light response drivers (police, fire ambulance etc) are trained to drive safely at speed in traffic and not how to drive very fast around a track.

[samsfern]

i didnt mean to quote you in there, sorry, i know tracks are different to the road, cars only go one way round it, lol

[mini_mayhem]

i turned 20 4 days ago and i have just bought myself a 1985 - 998cc austin city mini and my insurance quote is £746 a year fully comp this is good for my age i am led to believe, i know how bad insurance is as when i passed my test a 17 i bought a 52 plate renualt clio 1.2 16v and that was £3600 for the year with a certain company and i just couldnt understand it! every other car i have done checks fo have been near the same price i have had no accidents and due to the fact im serving in the army i have had my cat c and c+e since i was 17 and that still hasnt made a difference who knows where they get these quotes from well all i would say to anyone thats just passed a test is add your mum to your policy you will find it drops ur insurance by alot i found it cut mine by £600 with some companies its the only 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.