Teenagers should get a better deal on car insurance

Whilst £17000 is a ridiculous figure, even for the smallest car an 18-year old male driver is looking at about £2000 annual premium, which is quite clearly unaffordable to young people and even their long-suffering parents. Yes, there are bad young drivers, and ALL need to gain experience of the roads, but don’t tar all with the same brush. Has anyone questioned whether those irresponsible drivers around town on a Saturday night are also irresponsible enough not to have insurance? My son has just passed his test and I can only afford to add him temporarily to my own policy, trusting that he won’t have any accidents (in any case the excess is about as much as the car is worth) and lose my no claims. Uninsured drivers need to be stopped, but how about reducing premiums for young/new drivers across the board – surely then more would choose to be insured, thereby putting more money into the ‘kitty’, and making savings on the admin that goes into catching uninsured drivers (policing, court costs, etc.).

This is yet another hype – Most insurance companies simply will not offer any insurance at all to a young driver if they think the risk is too high. I was quoted £1250 to insure MY DOG!

High insurance for young drivers has ALWAYS happened – It happened to me 50 years ago. Car worth £10 – Insurance £50 (Income £5 a week) – I paid it as I wanted to drive..

Now not only are repair costs much higher comparatively – BUT there are 1.25 million UNinsured drivers.- not all are young drivers – though ALL are criminals.

It is easy enough to stop this – the police have the data and the means to confirm an offence is committed – CRUSH the car – FINE the driver – Ban driver from driving – and put the criminal on an Insurance Offenders Register just like the sex offenders register. It won’t catch them all – but would make a huge dent in the numbers.

Insurance companies should charge premiums which reflect the risks of providing cover. As teenagers are at greater risk of accidents their premiums should reflect this. People of all ages who are a greater risk from their driving record pay more. Why should teenagers pay less and others more to cover the total cost of claims?

Many insurance companies will allow a starter bonus of up to 30% of the gross premium if the young driver sits and passes ” Pass Plus” there is a fee for this but I know some Local Authorities subsidise this to assist in reducing accident figures. Our son did this 3 yrs ago and now has 60% NCD and his premium for Comp cover with £250 excess on a Honda Civic 1.6 (55 plate) is just over £600 with NFU Mutual.
Worth considering i would suggest

@Richard, Third party fire and theft is now even more expensive tham comprehensive one for most car insurance providers. They don’t really wanna sell third party so that’s why they put the price up some much. I guess the best thing before buying an insurance is to research a lot about what’s there in the market and what suits ur needs better. there’s one company , http://www.onlyyoungdrivers.co.uk for example that specialisez in insuring only young careful drivers and try to screen out boyracers and offer up to 40% discount.

I’m a 20 year old male Mechanical Engineering student who also has 2 jobs and haven’t been able to drive for 2 years as i have been completely priced out of the market. I drove my parents 1.6 Astra for a year straight after i had passed my test as they could afford to put me on their insurance at the time. When i was driving I saw so many people on the roads who acted as if they were immortal (most of them being middle aged people in BMW’s) whilst i would never take any risks and never even came close to having an accident but yet it is I who has been tarred with the OH NO you’re a young male and must obviously be a suicidal maniac. If insurance companies lowered their prices more people would pay and they’d make more of a profit. They’re obviously too busy playing golf to realize this.

A big chunk of the premium price nowaday is down to so many t****rs claiming whiplash for anything less than a serious accident so they can extract money they ‘feel like they deserve’ from the pockets of the general public AND insurance companies – (guess where insurance companies get their money from?)

A through medical checkover AT THE SCENE if possible of the claimant who is claiming whiplash:-

Was the head rest PROPERLY set for driver? Yes, fair enough, No, Tough luck, its your own fault.
Seatbelts used? – Yes ITS A LEGAL OBLIGATION, No, Fixed penalty and any personal injuries are self inflicted due to not making use of the vehicles safety restraints.

WE NEED TO END THIS STUPID COMPENSATION CULTURE, ITS PATHETIC AND LEGAL ROBBERY AS HOW CAN A SUM OF MONEY MEND A BROKEN LEG, OR DEATH OF SOMEONE OR EVEN BLINDNESS? WAKE UP PEOPLE!

Arent we all perfect. Its not just the kids that drive badly and uninsured. Not all kids should be tarred to the same brush as with most age groups you have hot heads of 18 and even still at 40 and then there the older drivers. So lets stop bashing each other and find real solutions that are afordable and then perhaps we would all be safer on the road.( I was hit by an uninsured driver of 45yrs coming at me on the wrong side of the road )

Tried to see what it would cost to put Son on insurance . He won’t begoing on it as price increased by £3,000!!!!! Together with compulsory excess of £1,500!