Car Insurance

Cyfr · Post by **Cyfr** » Wed Jul 06, 2005 4:19 pm

Car insurance if so silly. People fought for equality and yet insurance for a 17 year old guy on a £200 car is £2400. It seems stupid.
Why? Beause theres a vast number of chavs who like to drive fast and crash their cars, why are the rest of the normal people punished for this? I could be just as safe a driver as a 40 year old and yet im punished for OTHERS bad doings...

Post by **Lairiodd** » Wed Jul 06, 2005 6:02 pm

Cyfr wrote:Car insurance if so silly. People fought for equality and yet insurance for a 17 year old guy on a £200 car is £2400. It seems stupid.
Why? Beause theres a vast number of chavs who like to drive fast and crash their cars, why are the rest of the normal people punished for this? I could be just as safe a driver as a 40 year old and yet im punished for OTHERS bad doings...

The cost to sort out the bad drivers from the good is to high.

There is a company in Ireland who runs a driving test. If you do the test and then get insurance from them, you can save up to 50% ( they claim ).

Other options would be adding a GPS black box to your car. If you break the speed limit, you get an increase to your premium. This could also look at things like, do you drive like a race driver (high accelerations from traffic lights etc and fast braking and high(ish) G turns)

They add a breathalyser to the black box ... hmm not sure how they can prove that you are actually blowing into it. Maybe instead, it does a quick blood test + finger print check (to make sure it is your finger) to confirm that you haven't been drinking.

Medical problems ... if you had to do a physical to make sure you haven't any medical problems that would affect your driving, then this would also reduce your premium.

So, what is needed is some way to either continuously check people's driving so they drive safely or separate the good drivers from the bad. Are you willing to be tested ... or do you just want cheap insurance ?

Now, in addition to the above, there is the problem that young drivers don't shop around for insurance as much as they should and even if you do, other young people don't. However, if everyone shopped around, then the prices would drop too.

Cyfr · Post by **Cyfr** » Wed Jul 06, 2005 6:08 pm

I'm willing to be tested. I'd do anything to separate myselfs from chavs who drive their cars at silly speeds with 6 people in car and pumping music etc

However, if I get a mini and go on classic car insurance it's only £800.. so thats good

Quinlan · Post by **Quinlan** » Thu Jul 07, 2005 9:47 am

First learn how to ride your tricycle. In a few years you can start thinking about cars.

Ow did i do that?

Overdue · Post by **Overdue** » Thu Jul 07, 2005 11:02 am

Don't start smt off quin;x

Mojo · Post by **Mojo** » Thu Jul 07, 2005 11:48 am

Solution get parents to insure car and put you on as a named driver.

Cost = much cheapness

Downside = u don't collect no claims bonus cos ur not actually policy owner.

If you do take out your own policy it can often be cheaper if u name someone with good no claims as a named driver, they might not ever drive the car but it can bring the cost down a tad. i put my mums name on my policy and it reduced it by £60 \o/

Satyn · Post by **Satyn** » Thu Jul 07, 2005 11:55 am

first one i had i had to pay 2500euro's

then put it on parents name and its 800euro's now. Dont know if you can do that everywhere tho.

Shi · Post by **Shi** » Thu Jul 07, 2005 12:32 pm

my 1st car was techncially owned by my dad, same for the insurance so it was pretty cheap

tbh i understand insurance companies, they set up fees from common sense and experience.
ppl of some age are less mature and more prompt for silly temptations, like showing off to a girl, friends or whatever.
not a flame, but Cyfr, just an example how Xest easily winds you up shows also an age syndrome

it's basically the same with young and cars imo, they think they got 3 lives like in a video game.

i'd agree partly with Quin and give tricycles to all under 25

too many young ppl and their victims die every year in car accidents.

Asterixxx · Post by **Asterixxx** » Fri Jul 08, 2005 10:30 am

last year at the age of 17 i payed £1678 for my SRi Corsa insurance, this year i can get it down to around £900-£1100

.... Oh shit thats in 3 days

Mojo · Post by **Mojo** » Mon Jul 11, 2005 2:06 pm

I dont get it

I paid £480 for my insurance last year on a crappy 1997 ford escort 1.6

I worte the car off last month and just got me a 2003 ford focus mp3 1.8 16v

The same insurance company charge me £400 for a years insurance

so i write car off, get a better one and my insurance goes down...wtf