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Car insurance for 17 year olds...any suggestions?
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sgt.colon



Joined: 27 Jul 2009
Posts: 6414
Location: Just south of north.
PostPosted: Thu Mar 22, 12 1:47 pm    Post subject:  Reply with quote    


Pilsbury



Joined: 13 Dec 2004
Posts: 5645
Location: East london/Essex
PostPosted: Thu Mar 22, 12 1:48 pm    Post subject: Reply with quote    

Mine already is almost, its certainly more than they would pay out if it was written off and even though I am fully comp with over 10 years no claims it just keeps going up every year.

The son of One of the guys I work with passed his test and it was 2.5k for a vauxhall astra. This year they are taking out daily policy at 50 a day when they need to use it.

sgt.colon



Joined: 27 Jul 2009
Posts: 6414
Location: Just south of north.
PostPosted: Thu Mar 22, 12 1:55 pm    Post subject: Reply with quote    

I'm the same as you Pilsbury. Keeps going up every year. I've got quote off the comparison sites though that are c200 cheaper so I'm going to switch. I think if you stay with an insurance company they extract the urine.

It makes you wonder how much it would cost to buy a really old banger. Plonk it on your drive but not drive it and just leave it there to help build one years no claims.

JB



Joined: 08 Jun 2005
Posts: 7748
Location: 91 N
PostPosted: Thu Mar 22, 12 1:57 pm    Post subject: Reply with quote    

sgt.colon wrote:
I'm the same as you Pilsbury. Keeps going up every year. I've got quote off the comparison sites though that are c200 cheaper so I'm going to switch. I think if you stay with an insurance company they extract the urine.


No need to even go to the hassle of moving. Just go to a quote site, get a new quote and then phone up your insurer and say that you've got a comparative quote from whoever for whatever and almost always they will suddenly be able to match it.

JB



Joined: 08 Jun 2005
Posts: 7748
Location: 91 N
PostPosted: Thu Mar 22, 12 1:58 pm    Post subject: Reply with quote    

sgt.colon wrote:
Indeed Pilsbury and it's not right when ones insurance probably costs more than what the car is you buy.


The problem is not the cost of what you drive but the cost of what you might hit.

Pilsbury



Joined: 13 Dec 2004
Posts: 5645
Location: East london/Essex
PostPosted: Thu Mar 22, 12 1:58 pm    Post subject: Reply with quote    

sgt.colon wrote:
I'm the same as you Pilsbury. Keeps going up every year. I've got quote off the comparison sites though that are c200 cheaper so I'm going to switch. I think if you stay with an insurance company they extract the urines.


My renewal quote was 2450, the 1000 is through a comparison site lol.

sgt.colon



Joined: 27 Jul 2009
Posts: 6414
Location: Just south of north.
PostPosted: Thu Mar 22, 12 2:03 pm    Post subject: Reply with quote    

Quote:
No need to even go to the hassle of moving. Just go to a quote site, get a new quote and then phone up your insurer and say that you've got a comparative quote from whoever for whatever and almost always they will suddenly be able to match it.


Nice one JB. I'd not thought of doing that.

Quote:
The problem is not the cost of what you drive but the cost of what you might hit.


Oh yeah, that's a fair point.

Quote:
My renewal quote was 2450, the 1000 is through a comparison site lol.


Bloody hell (excuse my French) what are you driving, Pilsbury?

vegplot



Joined: 19 Apr 2007
Posts: 21298
Location: Ynys Mn
PostPosted: Thu Mar 22, 12 2:12 pm    Post subject: Reply with quote    

sgt.colon wrote:

Bloody hell (excuse my French) what are you driving, Pilsbury?


or what his insurers think he's going to hit.

Rob R



Joined: 28 Oct 2004
Posts: 31902
Location: York
PostPosted: Thu Mar 22, 12 2:17 pm    Post subject: Reply with quote    

I heard on the radio the other day about how some insurance companies just won't insure anyone in certain postcodes, as company policy, so I guess that distorts the market too.

Pilsbury



Joined: 13 Dec 2004
Posts: 5645
Location: East london/Essex
PostPosted: Thu Mar 22, 12 2:18 pm    Post subject: Reply with quote    

I'm driving nick's old 02 plate Ford focus estate. In dagenham where the old Ford plant is lol. I have had companies refuse to quote me for motorbike on my postcode as well.

sgt.colon



Joined: 27 Jul 2009
Posts: 6414
Location: Just south of north.
PostPosted: Thu Mar 22, 12 2:19 pm    Post subject: Reply with quote    

I take it then that car crime is rife in Dagenham then?

Rob R



Joined: 28 Oct 2004
Posts: 31902
Location: York
PostPosted: Thu Mar 22, 12 2:24 pm    Post subject: Reply with quote    

It wasn't just down to crime rates but things like the number of people who had claimed for whiplash in that specific postcode.

sgt.colon



Joined: 27 Jul 2009
Posts: 6414
Location: Just south of north.
PostPosted: Thu Mar 22, 12 2:29 pm    Post subject: Reply with quote    

Ah I see.

I know people are angry because they have been injured but surely this "lets sue em" attitude people have these days only hurt themselves and others as we all end up paying for it. Not the insurance companies.

dpack



Joined: 02 Jul 2005
Posts: 35189
Location: yes
PostPosted: Thu Mar 22, 12 3:09 pm    Post subject: Reply with quote    

maybe a t72 with no papers and a full mag is the way forward for the motorist

mad max here we come

anoia



Joined: 14 Nov 2010
Posts: 47
Location: Hertfordshire
PostPosted: Thu Mar 22, 12 6:13 pm    Post subject: Reply with quote    

We have just got insurance for J using these people - much cheaper than adding him to the normal insurance. I think it is a similar idea to the provisional marmalade lot.
http://www.coveredlearnerdriver.com/

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