Car Insurance for teenagers

[big soft moose]

Don't like this because if you for instance braked harshly or swerved to avoid a collision then it'd be logged as dangerous/agressive driving.

If you do that a lot it is a symptom of dangerous or agressive driving - if it was just an isolated one off in an otherwise spottless record it wouldnt matter

 

[ghummy]

No point rushing. I'm 28 with 10 years NCD and alot of companies still don't want to touch me and those that do average still at £700 for even with a clean licensee and incident free insurance record. It's renewal time for me next month and I can put money on it not being cheaper than last year at £741

 

[nilagin]

Personally I would be about a million times happier to be on the same bit of road as an 81 year old compared to a 21 year old. Older drivers may be slow, cautious and hesitant, but younger drivers tend to be the opposite which is much more dangerous.

My son is 21, on his way to 4yrs ncb, I've seen him driving when he hasn't known, followed him, and been in the car with him and I've no complaints.
My wifes grandfather who at around the age of 81, crashed into a kerb at the side of the road hard enough to buckle the wheel, damage the tyre and bend the suspension. Didn't think much of it at the time until I was shown where he did it. It was on the inside lane of a two lane slip road near where he lives, he should have been on the outside lane for where he needed to go anyway, and I could see no reason for why he should have hit the kerb beside the car and he couldn't give an explanation for it neither.

I've noticed an increasing number of older people driving through residential roads, when the have to overtake parked cars, completely ignore oncoming traffic who have right of way and also drive completely on the wrong side of the road straight at the oncoming cars.

 

[wack61]

This is true of drivers of any age. I think we should all be re-tested every five years.

Steve.

Totally impractical , test centres are quoting weeks for a test now, if they had to re test every driver at 5 yearly intervals they'd never cope

I do think there should be an examination once you retire and a reaction test every 3 years even if it's only a computer simulation

My dad is 78, he stopped driving last year due to ill health but all there was in place by way of a test was a form to fill out saying you were fit to drive , who is going to give up the independence driving gives you voluntarily

There are near blind/deaf pensioners driving every day who wouldn't be on the road if even the most rudimentary examinations were carried out

As a general rule avoid anyone wearing a hat behind the wheel

 

[PatrickO]

My son is 21, on his way to 4yrs ncb, I've seen him driving when he hasn't known, followed him, and been in the car with him and I've no complaints.
My wifes grandfather who at around the age of 81, crashed into a kerb at the side of the road hard enough to buckle the wheel, damage the tyre and bend the suspension. Didn't think much of it at the time until I was shown where he did it. It was on the inside lane of a two lane slip road near where he lives, he should have been on the outside lane for where he needed to go anyway, and I could see no reason for why he should have hit the kerb beside the car and he couldn't give an explanation for it neither.

I've noticed an increasing number of older people driving through residential roads, when the have to overtake parked cars, completely ignore oncoming traffic who have right of way and also drive completely on the wrong side of the road straight at the oncoming cars.

According to the association of British insurers people in their 80s are about 10 times less likely to be involved in a serious RTA than a 24-29 year old, and about 25 times less than 17-23 year olds.

Your son sounds like a very safe driver, but he is probably exceptional.

 

[rpsmith79]

As with all insurance, the companies are in it to make a big profit and I still grudge paying about £300 per year having had a full license for over 30 years without a single claim.

Also, it's down to the fact that most cars these days are built with crumple zones and air bags etc, so even a minor shunt could cave in half the car and deploy all it's multitude of airbags, each of which costs hundreds to replace

So 15-20 years ago most cars would probably have been fixable after similar minor shunts as they were built like Sherman tanks, now they fold and buckle, and the repair costs are now astronomical, often writing off the car, hence premiums have risen sharply and are loaded against the younger drivers who are most likely to have these sort of accidents

 

[nilagin]

Also, it's down to the fact that most cars these days are built with crumple zones and air bags etc, so even a minor shunt could cave in half the car and deploy all it's multitude of airbags, each of which costs hundreds to replace

So 15-20 years ago most cars would probably have been fixable after similar minor shunts as they were built like Sherman tanks, now they fold and buckle, and the repair costs are now astronomical, often writing off the car, hence premiums have risen sharply and are loaded against the younger drivers who are most likely to have these sort of accidents

Even 15-20 years ago cars had crumple zones.

 

[rugrat]

What if her car was in your name as main driver and added your daughter as named. Would that bring it down more?
Sounds like you got the same quote as me as my daughter will also be 17 soon and the best so far was £2240.

I thought I couldn't be the main driver of two cars - although Admiral offered me option. As it turns out, the difference in cost wasn't much, so we stuck with me main driver of my car, my daughter main driver of her car.

Almost all group 1/2 cars had quotes in excess of £2k :|

 

[rugrat]

Or do as I did when I was a teenager.
Only have what I could afford.
Go get a job and save for it.
Stop looking for handouts and grow up :shrug:
That was lots of years ago

My daughter has been working at weekend for a few years now and has saved up most of the money - if I see willing, I am happy to help out

 

[Steve Smith]

Totally impractical , test centres are quoting weeks for a test now, if they had to re test every driver at 5 yearly intervals they'd never cope

I know. but we could do what I think happens in some US states. You renew your licence every five years on the understanding that you might have to do some sort of practical test on a random choice basis. Perhaps 15% of all applicants.


Steve.

 

[Splog]

I've been trying to get insurance quotes for a second vehicle with a no claims record of about 20+ years and found out that it's not the driver it's the vehicle ! In other words if I want two vehicles the second car starts again and have to insure with zero no claims discount! ..... I've just bought a car and the quotes are in the £1000's........ I always thought it was the driver, not the vehicle? but it's not!

 

[nilagin]

It is the driver but you can only use the ncb on one vehicle. If you buy a second vehicle you will have to start from scratch again. If you try adding another adult with good record as named driver, that may bring the premium down.

 

[onomatopoeia]

I've been trying to get insurance quotes for a second vehicle with a no claims record of about 20+ years and found out that it's not the driver it's the vehicle ! In other words if I want two vehicles the second car starts again and have to insure with zero no claims discount! ..... I've just bought a car and the quotes are in the £1000's........ I always thought it was the driver, not the vehicle? but it's not!

NCB is per policy, so if you start a new policy insuring a second car you have to start building up new NCB on it. The driver still has an effect (age, convictions, accident history etc.)

Some insurers will match the NCB of a car you already have with them if you insure the second with them as well. Direct Line did this for me several years ago. If you can't do this and the second car is a higher group than the first, you may wish to move the no claims over to it.

 

[onomatopoeia]

Incidentally, £1000s when you have 20 years driving history?

I'm obviously very fortunate with insurance or just considered low risk.

 

[srichards]

Most decent brokers will wangle a second car discount. I got 4 years as initial bonus when I insured a second car for the first time.

Also try the multi car policies like those from primo, admiral etc.