Sky high Insurance

[The Negotiator]

Koarang can't read my post but I will back you up Luke, females do get slightly cheaper insurance so rather than being very very very very expensive it's just very very very expensive! We're not talking a big difference of course but possibly 5-10% on average IME with friends.

 

[HP]

Yes, I'm shocked. It cost me £420 to insure both of mine this year.

 

[arseofbox]

Yes, I'm shocked. It cost me £420 to insure both of mine this year.

Please dont rub it in any more Pete...theres salt, pepper, feck...theres even Tabasco in the wound now!!

 

[HP]

yes, but you still have hair. Allow me my gloat, please

 

[arseofbox]

So do yu...

I'll let the gloat fly though I suppose!

 

[Koa]

The reason I ask about Girls insurance is, my daughters gonna be 18 next year and wants to be a car owner by then, but she's worried about how costly its gonna be.. She wants a mini or something similar but is it gonna cost her like over £1000 to insure a car thats prolly worth about £2000 ?
If thats the case then its just crazy, but what can we simple folk do about it...

 

[Luke]

The reason I ask about Girls insurance is, my daughters gonna be 18 next year and wants to be a car owner by then, but she's worried about how costly its gonna be.. She wants a mini or something similar but is it gonna cost her like over £1000 to insure a car thats prolly worth about £2000 ?
If thats the case then its just crazy, but what can we simple folk do about it...

Unfortunately theres nothing that can be done. and yes Mini's are very costly to insure on a seperate premium.

Plus finding a mini in good condition thats cheap seems to be a rarity - ive been looking for over a year!

 

[JonnyBoy]

Don't get a Mini. If they've been well looked after they're great, but generally they're abused and neglected. The damn things are more trouble than they're worth. Plus the insurance is daft and most Minis are downright dangerous! Go with something like a Cinq/Sei/Punto/Uno. Something like an 899cc Cinq wouldn't cost too much in insurance and they're easy to look after.

 

[Luke]

Don't get a Mini. If they've been well looked after they're great, but generally they're abused and neglected. The damn things are more trouble than they're worth. Plus the insurance is daft and most Minis are downright dangerous! Go with something like a Cinq/Sei/Punto/Uno. Something like an 899cc Cinq wouldn't cost too much in insurance and they're easy to look after.

plus a tenner of petrol will go a long long way which is needed at that age.

 

[GhostWKD]

Koarang can't read my post but I will back you up Luke, females do get slightly cheaper insurance so rather than being very very very very expensive it's just very very very expensive! We're not talking a big difference of course but possibly 5-10% on average IME with friends.

iirc black_cinq paid almost half of my insurance her cinq sporting, fully comp, about £750 i think it was, and mine tpft on "std" cinq sporting was ~£1400

gives you good example of gals vs guys insurance prices

 

[The Negotiator]

I am just going by what my friends paid at school (when you compare like for like with similar cars and postcodes). It's so random sometimes aswell!

 

[Koa]

Thanks for the advice guys, i'll let her know she can't have a mini, and I can blame you when she's p*****d off at me
No shes a good kid and she'll take my advice..
I have always liked the Punto myself and if its a car I like i'll be more inclined to help her do it up nice.. but whatever it is, shes gonna need power stearing as she has this little problem where her arm falls out of its socket every now and then..especially in the mosh pit.

 

[Ems]

My insurance has always been reasonable for a girl my first car (VW Beetle) was £380 TPFT in my own name, then Punto 55S (good car to insure) was £400 fully comp then went down to £230 fully comp last year and my HGT is only £450 or so fully comp. I've got 7 years no-claims though. It's good to start off with a slow car and don't mod it for a couple of years - get the no-claims in your own name and then go for it

 

[activematt]

My insurance has always been stupid, at 17 i bought my 1.2 8v punto (cheapest i found was tesco at £1900) then sadly 20 days before getting my 1 days no claims i wrote it off. Bought another punto 1.2 8v (a year newer though) paying again £1900, but im ok as thats my fault! And now im 19 and insuring my 1.6 stilo for £1200.

Insurance is so random though the reason i chose to go with the Stilo was it was going to cost me £1200 to reinsure my punto, or £1200 to insure a bigger faster newer higher spec Stilo.................tough choice!!!

 

[J333EVO]

I read somewhere recently that some do gooders where taking the women only insurers to the European Court of Human Rights or some BS and charging them with sexual discrimination & it may go as far as that all insurers must offer the same premium to men & women at the same post code, age experience etc.

As an aside, when a friend got her first car at 2 years ago when she was 20 she got her insurance quote to drop by £200 (£1000 - £800) by putting her slightly older boyfriend on the policy as a named driver? this was on the advice of the guy on the phone, think it was Admiral, but can't be sure. Therefore Koarang it may be worth asking if having you on her policy may help in reducing it.

Aaron.

 

[The Negotiator]

Evo, they can't ever be forced to charge the same premium aslong as they can show the statistics which show that a women is less likely to make a claim. This is similar to how I can't claim to get the same premium as you (using the age descrimination act that is soon to be fully imposed etc.) because they can show that age matters, as does experience.

Aslong as they can show that for the same driver (i.e. ignore other factors) the female is less likely to make a claim or cause a claim, they have every right to charge more for males and less for men, fair enough.

The system is truly expensive but it's quite fair - if you can even call it fair lol.

 

[Koa]

Therefore Koarang it may be worth asking if having you on her policy may help in reducing it.

hmmm except I have no NCB.. dunno whether that may go against that. worth a shot though, Thanks..

 

[Ems]

I tend to find the women-only insurers a rip-off anyway - you can never get the prices they quote so I don't even bother ringing them any more. My other half has his mum as a named driver on his car, it lowers his premium by £200!

 

[Alex]

Surely the fact of being in Switzerland keeps your insurance lower Alex ?
Can anyone tell me if its cheaper for young girls to insure their cars in the UK than it is for guys ?

I spend most of my time in england, and thats where my car is insured (it being an english car), and I am actually english, hold a UK driving licence etc...

Swiss insurance is much different to UK insurance... and to a certain degree probably fairer, as far as I understand it you ensure the registration number of your car, and the car, rather than the drivers.

If I have three cars, they I can use the same registration on any of them (but not at the same time). Also as far as I know there is nothing like no claims bonuses, and the premiums dont go down so much each year, but neither do they go up too much if you make a claim.

 

[Koa]

Sounds like a good place to be a young male car owner then.

We get ripped off with everything in this country purely because they know we will pay it..
For eg the new PSP handheld games machine is £109 in Japan and imported to the UK its £400 because they know we will pay it. Even when it gets a UK release they will charge double the Japanese price..
As long as we keep paying for it, they will keep the prices high..
I know its not exactly the same concept when it comes to insurance..But if one big insurance company would do something possitive for the young people then all the others would follow surely ?