OMG - daughter's car insurance quotes !!!

If my 18 year old son is reading this... NO. I will not be paying for your car insurance. Not even if you get it down to a tenth of the amounts being quoted!


Steve.
 
My son will probably take a driving test later this year but he doesn't see any reason to waste such a huge sum on insuring a car he has done without up to now.

I don't see why all 17 and 18 year olds suddenly have to have a car just because they now have a licence.


Steve.
 
Steve Smith said:
My son will probably take a driving test later this year but he doesn't see any reason to waste such a huge sum on insuring a car he has done without up to now.

I don't see why all 17 and 18 year olds suddenly have to have a car just because they now have a licence.

Steve.
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Well I commute 33 miles to my school and also have photography jobs to get to all around the county.
 
Steve Smith said:
My son will probably take a driving test later this year but he doesn't see any reason to waste such a huge sum on insuring a car he has done without up to now.

I don't see why all 17 and 18 year olds suddenly have to have a car just because they now have a licence.

Steve.
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My son's college was 1 to 1.5hrs away using two buses, or 1/2 hr away by a more direct route by car. Plus as his course involved cars, it furthered his experience and made his course that much easier. Also as part of his course they were required to travel to various motorsport venues and having his own car meant less crowded minibuses and he could lead the way as the minibus driver sometimes got lost where as my son knew the way after having been to them before with me.
 
ziggy©;5425075 said:
Really? I always thought it was the opposite. :thinking:
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Yv said:
It was the opposite when I worked in car insurance nearly 18 years ago, don't see any reason for that to have changed since then.
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It depends on the area, but the basis behind it is if a cars parked on a driveway then the thieves know which house to break in to to steal the keys. It does depend if the crime has happened in your area though. For me it makes no difference in cost where I park it.
 
Steve Smith said:
You're not most 18 year olds though!


Steve.
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There's alot of 17/18 year olds fortunate enough to have jobs and require a car to get to work. They provide alot more independence without having to rely on public transport, friends or family to get them about too.
 
We have a couple of 18 year old apprentices at work who pay about half their earnings in car insurance. To me, this is crazy as they could go by bus for a lot less (like I do) and have a lot more income available.

Our workplace is at the centre of a 26 mile island so it's not like it's going to take long to get there.


Steve.
 
Steve Smith said:
We have a couple of 18 year old apprentices at work who pay about half their earnings in car insurance. To me, this is crazy as they could go by bus for a lot less (like I do) and have a lot more income available.

Our workplace is at the centre of a 26 mile island so it's not like it's going to take long to get there.


Steve.
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That's the problem, the actual cost of insurance now. I started my apprenticeship at 16 in 1979. I initially took home £29 a week. I was 17 one month later and started driving lessons with a driving school, I failed my first test but passed my second test aged 18. In that time I'd saved £500 to buy my first car and also the money to pay for my insurance outright without having to spread payments over a year. Insurance is unrealistically expensive and unless fortunate to have a pot of gold or an inheritance which my son had, young drivers are forced to spread the cost of insurance and in so doing it costs even more due to interest. My son's first year premium (almost 4 yrs ago now) was £3200 whilst the car only cost £1600. Fortunately for him, he's managed to stay accident free and is building up a ncb. Last years premium was still over £900 though.
 
my youngest boy is doing an apprenticeship and was traveling 16 miles a day on a 100cc scooter
i will happily pay the insurance and buy and maintain his car rather than him have to ride to work each day
his insurance on a fiesta 1.25 freestyle with a black box fitted is 1500
 
I'm 22 now. Just done a quote on a car. 2.0 Diesel S-max (Family car) £750. My current 1.6 Focus is £590 :) Been driving 4 years with 3 NCB and 1 crash.

The main thing that brings insurance down is having a job! Even a part time job brings it down.
 
Digitalize said:
It depends on the area, but the basis behind it is if a cars parked on a driveway then the thieves know which house to break in to to steal the keys. It does depend if the crime has happened in your area though. For me it makes no difference in cost where I park it.
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During the 90s when Escort/Sierra cossies were popular, it cost more to insure them if they were kept in a garage, in fact I'm pretty sure a friend of mine had a clause in his policy which made it void if it was kept in a garage.

The reason being that if the would-be thief managed to get access to the garage, they would pretty much have free reign to disable any alarm/immobiliser fitted without anyone seeing them doing it.
 
Sounds like insurance companies will make any excuse to increase premiums. If everyone is told to park in garage to save money then they will so as a result more cars will be stolen from garages!

If it is in a garage a casual thief wouldn't know it exists in the first place. If it is parked on the street then it could just be chucked on the back of a flatbed. A lot of cars were stolen like that as it was easier to just stick them on a truck and have them away than fiddle about trying to bypass immobilisers. Which is why alarms started to get tilt sensors so they would go off if the car was raised at either end.
 
srichards said:
If it is parked on the street then it could just be chucked on the back of a flatbed. A lot of cars were stolen like that as it was easier to just stick them on a truck and have them away than fiddle about trying to bypass immobilisers. Which is why alarms started to get tilt sensors so they would go off if the car was raised at either end.
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It still happens. A car was stolen in exactly this manner from the car park at work. It looked so much like a breakdown rescue, the security never re-acted to it.
 
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