http://news.bbc.co.uk/1/hi/programmes/moneybox/7052569.stm
About time they start clamping down on this. If you cant afford to insure the car you have, change it or dont drive.
or just pay for any damage out of pocket if you hit anything and not claim, and get done for fraud.
strange! as recently insurance companies seem to be encouraging it with the named drivers get ncb thing.
Quote from: DEViANCEstrange! as recently insurance companies seem to be encouraging it with the named drivers get ncb thing.
They are extra named drivers, such as having your missus down for the rare occasions she might want to borrow your car.
What they are talking about here is all the bloody young uns getting insured as second drivers to their mum/dad because they cant actually afford to pay for a car themselves, effectively saying they will rarely use the car even though they are actually going to be the only ones driving it. Its taking the pee, Im with soopahfly on this.
I have to pay £1400 to get insured on my Mazda and half of these cheeky twats end up paying probably a third of that (if mummy and daddy dont foot the bill) to drive around having just passed their test. Its not on.
Always been on my own insurance policy, I hate it when kids get parents to Front the insurance, Ive had to work a lot of hours to insure the car and run it while also studying, so they should just deal with it and get the bus if they are not willing to pay out.
1st: 840 on the 205
2nd: 530 on the 205
3rd: 450 on the Civic (Declared mods = 485)
My car is insured in my name, but atm Lynz is using it more.
Thats just the way its working out right now. Could change next week!
in fairness...
Sisters KA 1.3ltr first insurance policy (used confused to find it) £1800.
£1800... is an insane amount of money for a 1st years policy, and she started driving aged 19. (with a licence since 17)
If it wasnt for the payout she got from the CIB after what happened on her 18th, shed never have afforded it. Its ridiculous considering 1 years NCB dropped the £1800 to £850.
Absolutely shocking, over 50% cut just for driving one year.
A named driver is a named driver, the insurance companies should get over it. If I am insured on my parents car, then I should be entitled to drive that car, for every single mile on that policy, what do people do when it comes to married couples? the husband puts his name on the insurance but the wife uses the car for school runs, shopping, and daytime trips... thus racking up more miles, and the insurance companies will refuse to pay out? hell no.
Lay off of new drivers, premiums are sky high as is. Allow named drivers to be treated as named drivers, and screw NCB transfer then in that case, only the primary driver should get it, I believe fully in that, as its fair. If you want NCB... then yes, get your own policy.
yeah when i 1st started driving it was tough and i know its gotten worse.. i mean come on! a 1984 1.0 Nissan Micra that i bought for £75 was costing £775 to insure.. its insane! If they had a reasonable cost for new drivers (with reasonable cars like 1.0/1.2) thered be less fronting
I was going to have a lengthy rant on this about where do you draw the line with what is what you consider acceptable fronting with high insurance premiums, etc, but of course anyone just learning or passing is going to spit their dummy out about it.
E.g Richs sister. £1800 is a lot yes, but why did she get a 1.3L car? She could have had a 1.0L and saved money...
Most people are prepared to pay it, I disagree that you should be able to shirt it off while others will pay because you think it unfair. I think its unfair too, but I paid for my own insurance, I didnt trick the system. If your parents are pretty much never going to set foot in the drivers seat (moving it off the drive for you doesnt count btw) they should not be the policy holder.
ironically ford 1.3s arent much better than any 1.0s, so it shouldnt make much difference
all new drivers should be limited to a certain group of cars, then as they get more experienced, they must take a few lessons to move up a car bracket, etc.
Say up to 1l
then 1 - 1.6
1.6 - 2.4
2.4 +
you could take the piss though and get a bike engined kitcar that falls under your 1l limit.
Yes engine displacement doesnt always have a bearing on the skill level required to drive the car, or what a mong the driver is anyway.
Quote from: Markyou could take the piss though and get a bike engined kitcar that falls under your 1l limit.
yes, you could.. but the majority of people wouldnt
Quote from: Clockd 0NeYes engine displacement doesnt always have a bearing on the skill level required to drive the car, or what a mong the driver is anyway.
Indeed. My first quote at age 19 was £900 TPTF for my 11 year old 1.6 megane. I wasnt looking for a 1.6 it was just there for a bargain price.
Came down to £400 the year after. Its a group 4 car. There are cars with 1L engine that are higher up the insurance groups.
Location, Alarms, Car Theft etc are also factors that make a difference and you cant do a thing about.
Quote from: Eggtasticoall new drivers should be limited to a certain group of cars, then as they get more experienced, they must take a few lessons to move up a car bracket, etc.
Say up to 1l
then 1 - 1.6
1.6 - 2.4
2.4 +
I think that would fail to make a difference.
The majority of major car organisation sponsered Driving Instructors teach you in a 1.6 or even a 1.8. I learnt in a Focus 1.6 over 5 years ago.
However in that sense it is better they learn in a higer performance car and notice the difference when they buy a slower car than the other way around imo. Its a good way to learn the difference.
1L, 2L, V6, its not going to stop somewinding it up and throwing him and his 17 year old lady friends down a hill now it from not knowing how to drive.
The principles of driving do not change with your car, espcially in context with the roadcraft system which can be applied to any vehiicle.
Attitude towards driving and the way yound drivers are taught if deaths are to come down along with insurance. So long as the cost of learning does not increase as it is ludicrous enough.
i think the american system is more fair.
as a new driver you start off on a resonable price, £700 for example. (still alot but more resonable than here, my first price for a 1.3 metro was £1200)
Then if they dont have an accident the price stays resonable and decreases slowly as experience is gained etc.
but if the driver is bad then the price can go up to reflect that.
that sounds exactly like our system except the starting price is okish
not much difference