Out of all my younger friends and ones who have now passed the magic premium reducing 25, only one of them has ever claimed on his insurance and that wasnt even deemed his fault so his insurance didnt have to pay out. The insurance companies make everyone believe that every young driver will have an accident costing them thousands. This is simply not true
Too true. Are they trying to tell me that I'm more likely to have an accident than, for example, my 80 year old grandad who hates driving at night, doesn't like driving on motorways and according to both him and my nan, other road users come 'whizzing' past. I passed my test under 6 months ago with 1 minor, my grandad not long before that had to go to one of those sessions they do after you've been caught speeding (accidental... but surely that's even worse if you don't realise you are over the limit?). He has years more experience but I've been taught to drive the way a car is supposed to be driven today, not how you were taught decades ago. Because of my age, my reactions will be a lot better than his. And, even if he's not involved in an accident, he's more likely to be the cause of others having accidents - not too long ago he pulled out from a t-junction on a dual carriageway and turned left and made a u-turn at the roundabout, rather than go across to the central reservation and turn right because he doesn't like doing that. A van had to swerve to miss them as soon as he pulled out, apparently, it 'came out of nowhere.'
I can see the reasoning for a new driver to have an accident - especially with mates in the car - but not all of us are bad drivers. I think a fair system would be to charge us a high amount, but, if we prove in that first year we are good drivers by having no claims, to refund some of the money they overcharged us for insurance and make it cheaper for the next year. It wouldn't punish new, safe drivers as much as the system which is in place at the moment does.
