Lucky you I pay a sh*t load more than that 
Who's Responsible for High Insurance??
- Thread starter x Alex x
- Start date
Currently reading:
Who's Responsible for High Insurance??
i think a lot of accidents happen when there is a loss of concentration, young drivers have much higher reflex times and can sometimes have some very near misses that would probably have left an older driver in the back of the car infront. however we are all prone to lack on concentration due to tiredness, stress, distraction (including chav mates in the back), peer pressure (probably accounts for overtaking 10 cars outside a school in the dark to be cool however doesn't justify it!)
i hate to see young drivers persecuted for all being bad drivers, i know lots of people my age that drive and non of them are idiots on the road...
i hate to see young drivers persecuted for all being bad drivers, i know lots of people my age that drive and non of them are idiots on the road...
phillip_style
New member
- Joined
- Sep 4, 2006
- Messages
- 45
- Points
- 14
I agree I mean look what the country is coming to.dave said:the govenment and their stupid insurance tax
I pay nearly £1200 for my Fiat Seicento which I consider myself to be a safe driver. Dont bother speeding or anything like that.
They way I see it is my car to run is cheaper than public transport and easier, and im just getting charged the earth for it.
I disagree how people always blame young drivers because im 18 and as ive stated im a safe driver (not saying everyone my age is but it is also the elderly!
Not a joking matter i keep reading in the news about it.
Why do you think they are considering making them retake a test after a certain age!
OP
OP
Ozzie1989 said:Now stop threadjacking
lol dont worry about thread jacking, i do it to other peoples threads lol
Well if your prepared to not modify your car and not drive a super nice car for first few years, you don't really need to pay loads..
paid for my first insurance when 18 (was to much of a wreckhead teenager to drive at 17).. first year i had full 3rd party (not tpft) on my classic beetle, £300. And have basically paid £300 every year but have been getting better cars over time and improving the cover from my insurance.. Now i'm 23 and have my Sei Sporting insured fully comp for £300 so now i could start modding my car up and it not costing me loads.
OK, its been really annoying not doing anything to my cars but i have had nearly 5 years on the road now, my insurance is cheap, i've got loads of time left and the ncb on the insurance so i can start building something mental for when i hit 25. Just struggling with whether to do up the Sei to the hilt or get a faster car to build up as a toy and keep the Sei?? decisions decisions..
paid for my first insurance when 18 (was to much of a wreckhead teenager to drive at 17).. first year i had full 3rd party (not tpft) on my classic beetle, £300. And have basically paid £300 every year but have been getting better cars over time and improving the cover from my insurance.. Now i'm 23 and have my Sei Sporting insured fully comp for £300 so now i could start modding my car up and it not costing me loads.
OK, its been really annoying not doing anything to my cars but i have had nearly 5 years on the road now, my insurance is cheap, i've got loads of time left and the ncb on the insurance so i can start building something mental for when i hit 25. Just struggling with whether to do up the Sei to the hilt or get a faster car to build up as a toy and keep the Sei?? decisions decisions..
I think it's Jess....
In ireland it is young drivers, im 17 and most people are flying around in their parents cars. To get a provisional all you have to do is sit an embarrassingly easy theory test, send a few €s and ur theory test certificate away and u ca drive. When on a provisional you must have a fully licenced driver with you but the gardaí cant/wont enforce the law because there are thousands of people driving illegally.
The death toll on Irish roads is terrible and the government after a long time sitting on there hands are trying to do something. Im in my last year in secondary school there are loads of people driving, im the only person with a full licence. I have my own car, 01 Bravo 1.2, with a full licence tpft costs me €2500. I have even passed a test for the insurance company that they asked me to do.
To make things worse, during the late 70s and 80s there were huge backlogs with driving tests so the government handed out driving licences to people. So we now have a situation where parents who never really passed their tests are teaching their kids to drive. And still today there are huge backlogs with driving tests, you could wait as much as 14 months for a test
The death toll on Irish roads is terrible and the government after a long time sitting on there hands are trying to do something. Im in my last year in secondary school there are loads of people driving, im the only person with a full licence. I have my own car, 01 Bravo 1.2, with a full licence tpft costs me €2500. I have even passed a test for the insurance company that they asked me to do.
To make things worse, during the late 70s and 80s there were huge backlogs with driving tests so the government handed out driving licences to people. So we now have a situation where parents who never really passed their tests are teaching their kids to drive. And still today there are huge backlogs with driving tests, you could wait as much as 14 months for a test
I'd have to pay £900 for a year's insurance (and that's the cheapest by far, actually) on a Cinq/Seicento Sporting, which isn't great really, tohugh if I settled for a lowly 899cc version of either car, it's £200 less. That's with eCar, and just about every other company demands a pound of flesh, and at least £2000, and that's just laughable.
My problem, of course, is that I'm 19, and I've only had a licence for the last year. Sadly, it's the actions of a minority of idiots who like to race each other under the influence of 20 cans of Stella that has pushed up the premuims of other younger drivers.
What annoys me is that not every young driver can be such a risk as to justify such high premiums. There's surely more dangerous ddrivers who amre much older.
And it's not just the 'boy racer' element, there's also the insurance scammers, including those who stage crashes, as you might have seen on 'Tonight with Trevor McDonald' the other day, among others. Oh, and let's not forget those who don't even bother getting insurance in the first place.
My problem, of course, is that I'm 19, and I've only had a licence for the last year. Sadly, it's the actions of a minority of idiots who like to race each other under the influence of 20 cans of Stella that has pushed up the premuims of other younger drivers.
What annoys me is that not every young driver can be such a risk as to justify such high premiums. There's surely more dangerous ddrivers who amre much older.
And it's not just the 'boy racer' element, there's also the insurance scammers, including those who stage crashes, as you might have seen on 'Tonight with Trevor McDonald' the other day, among others. Oh, and let's not forget those who don't even bother getting insurance in the first place.
Well if you ask me and I will be unpopular but women and old people.
Young drivers generally crash there cars going to fast on a bend and there generally not fully comp cos they cant afford it. so they start from scratch and rebuild there car or scrap it and start with a new car. + We have loads of sporty sounding carsa in this area especially puntos and Corsas with load exhausts and loads of addons kitted out till they look stupid. one or two even have flames comming from there exhaust. I love sitting in a standard 1.6i or bigger and leaving them behind with out any law breaking just good fast gear changes and knowlege. the best was the punto 1.1 with flames it went through the gears and he was pushing it as hard as he could and i overtook him in second in a metro 1.4
Anyway Hessatant drivers cause more accidents then any other group.
These are made up of New Drivers, Women With no confidence (Not like my sister who I wont let drive my car), and Old drivers who take three weeks to seitch the indicators on at least i think thats why there indicating right in the left turn only lane.
Its not there fault according to the highway code. If you think it is clear to pull out at a junction or roundabout and then stop because your worried and the person behind you rams you because he saw you move and started to get ready to go and saw he could fit out as well then pulled forward then its the oh wiplash you rammed me. As well as look your cars Damaged the back of mine that will cost thousands to respray.
When you drive you see more and more hesatant drivers causing tailbacks and crashes behind them because the traffic is waiting for one car to find a gap the length of a street to pull out into or is using the sliproad as a junction. The sliproad is there to allow you to get up to the speed of the other traffic not a place for all the cars to wait and then see if they can get to 70 before the next car hits them up the arse.
If I start to pull out at a junction then 0-30 in most average cars in first will take around 1.5 seconds. unless the car comming is going at 70 its not going to hit you . and if it does they were speeding to get there in the first place and basicly should be looking for people pulling out.
I have never hit anyone at a round about even though a lot of the time I let the front wheels spin and over steer. This is because my foot is ready on the brake to stop. and I look at every car and driver and if i see someone move i stop spinning and get full control in a split second.
LOL and I am not a young driver. I was a Speed limit freek when i passed my test. but after I got puled for 18 months and had over 600 producers I worked out driving above the limit stopped me being pulled.
Young drivers generally crash there cars going to fast on a bend and there generally not fully comp cos they cant afford it. so they start from scratch and rebuild there car or scrap it and start with a new car. + We have loads of sporty sounding carsa in this area especially puntos and Corsas with load exhausts and loads of addons kitted out till they look stupid. one or two even have flames comming from there exhaust. I love sitting in a standard 1.6i or bigger and leaving them behind with out any law breaking just good fast gear changes and knowlege. the best was the punto 1.1 with flames it went through the gears and he was pushing it as hard as he could and i overtook him in second in a metro 1.4
Anyway Hessatant drivers cause more accidents then any other group.
These are made up of New Drivers, Women With no confidence (Not like my sister who I wont let drive my car), and Old drivers who take three weeks to seitch the indicators on at least i think thats why there indicating right in the left turn only lane.
Its not there fault according to the highway code. If you think it is clear to pull out at a junction or roundabout and then stop because your worried and the person behind you rams you because he saw you move and started to get ready to go and saw he could fit out as well then pulled forward then its the oh wiplash you rammed me. As well as look your cars Damaged the back of mine that will cost thousands to respray.
When you drive you see more and more hesatant drivers causing tailbacks and crashes behind them because the traffic is waiting for one car to find a gap the length of a street to pull out into or is using the sliproad as a junction. The sliproad is there to allow you to get up to the speed of the other traffic not a place for all the cars to wait and then see if they can get to 70 before the next car hits them up the arse.
If I start to pull out at a junction then 0-30 in most average cars in first will take around 1.5 seconds. unless the car comming is going at 70 its not going to hit you . and if it does they were speeding to get there in the first place and basicly should be looking for people pulling out.
I have never hit anyone at a round about even though a lot of the time I let the front wheels spin and over steer. This is because my foot is ready on the brake to stop. and I look at every car and driver and if i see someone move i stop spinning and get full control in a split second.
LOL and I am not a young driver. I was a Speed limit freek when i passed my test. but after I got puled for 18 months and had over 600 producers I worked out driving above the limit stopped me being pulled.
Oh and When I passed my test a 1.4 L Ford Escort X reg cost me £1500 TPFT in 1998 and then I drove the car 30 mins before the insurance started and guess what. it went up to £2000 Third Party only.
if the insurance companies dident charge £1000 pluss for a 17 yr old in an uno start ie or similar car mabey their whouldent be so many young drivers speeding round without insurance
littlepip17 said:
if u cant afford insurance u shudnt be on the road!!!theres no xcuse for drivin without insurance!!!
OP
OP
:yeahthat:klemster said:
You are gay!klemster said:
Alex-R said:
uninsurred drivers! - one whacked me then gave me his proper address, but didnt have insurance! Police cant do anything!
you can make a compensation claim and the tax payers will pay for it. you can also shoot the person who did it in the face with an air rifle.
DO NOT let your insurance company pay for it, you'll lose your no claims and have a claim on record for 5 years, overall costing more than fixing it yourself.
DO NOT let your insurance company pay for it, you'll lose your no claims and have a claim on record for 5 years, overall costing more than fixing it yourself.
In germay the car is insured and not the driver. Insurance depends on car model and car age.
Older car cause more accidents because they are
a) old
b) cheap
c) driven by people who don't have money to afford a new car - either because they have just crashed and need some cheap car fast or because their very young and couldn't afford anything better... so typically they do not invest in repairs and drive the car till it falls apart... like I do.
Faster, gti-version cars cause more accidents because their drivers take more risks
Expensive, powerfull cars don't cause so much accidents because their drivers did pay lots of money for them and have the car mainly to show off to their collegues...
some models are cheaper to get insurance for than others because they typically stay in the garage most of the year (cabrios, restaurated oldtimers etc) and run few kilometers/year
It doesn't matter so much who drives the car - but young drivers will still have to pay more. As you get older, your bonus increases. I actually have a 30 % bonus, that is I pay only 30 % of normal insurance so I pay for my 1.4 SX bravo about 130 Euros / year. So Bravo 1.4 SX seems to be a very safe car...
Zardo
Older car cause more accidents because they are
a) old
b) cheap
c) driven by people who don't have money to afford a new car - either because they have just crashed and need some cheap car fast or because their very young and couldn't afford anything better... so typically they do not invest in repairs and drive the car till it falls apart... like I do.
Faster, gti-version cars cause more accidents because their drivers take more risks
Expensive, powerfull cars don't cause so much accidents because their drivers did pay lots of money for them and have the car mainly to show off to their collegues...
some models are cheaper to get insurance for than others because they typically stay in the garage most of the year (cabrios, restaurated oldtimers etc) and run few kilometers/year
It doesn't matter so much who drives the car - but young drivers will still have to pay more. As you get older, your bonus increases. I actually have a 30 % bonus, that is I pay only 30 % of normal insurance so I pay for my 1.4 SX bravo about 130 Euros / year. So Bravo 1.4 SX seems to be a very safe car...
Zardo
Last edited:
Sounds like a good system to me, heck everyone thinks Grannies drive Doblo's so I'd be quids in
Zardo said:
Yes but what if in each of the above criteria the car is driven by a 40 year old who does not take risks and can drive because they have been for many years but their big car is in the garage and needs servicing so they drive a battered run about and love the GTi that he owns and does not take risks?
What if the Audi RS4 is beeing driven by the owners daughter who has just passed her test but should still not be allowed on the road?
I say take a cheap exam to prove yourself OR have low insurance until you prove yourself incapable.
klemster said:
I take it you believe that the insurance for younger drivers is correct and not being used as a tool to cut down on the amount of traffic on the roads then
there is know way that I think the insurance industry can warrant announcing huge profit increases and then saying they need to increase younger driver insurance by 40% the question being why the answer to appease the arse holes that forget they were young once and get them of the road. God help this country when the do gooders and the white hair brigade do take over completely you youngsters have my sympathySteve
