Rustbucket
Established member
I
If you watched one of the newer top gear episodes it shows that all 17 year olds have stupidly high insurance.
Unfortunately its a fact that most leaners (by definition learning to drive..you learn to drive after you pass your test) bend their car within the first 6 months either big bend or little bend. Its also true that the most accidents involve 17-23 year old males, overconfidence, alcohol and impressing the bird are all major factors. That's why youngsters + Astra get high premiums and Dad with a Focus and 3 kids pays less.
Be careful with not declaring mods..The cheaper insurance companies actively look for reasons to refuse claims..so a 17 yr old with a chaved up banger, wally wheels, fat tailpipe, tinted windows, stickers etc will have their claim 'reviewed' automatically..