Teenagers should get a better deal on car insurance

The £17k quote is not representative – just one exception from an insurer who didn’t want the business – I’d expect more sensible reporting from Which.
However if young drivers want cheaper car insurance then they’ve got to start driving safer – the premiums reflect the risk based on statistics.
The only other way young drivers will get cheaper car insurance is for the other more experienced drivers to subsidise them – and I definitely don’t want to have to pay any more – car insurance is expensive enough.
I’ve spent years driving carefully to build up a no claims, restricting my choice of car on occassion to reduce premiums.
The youngsters can demonstrate the same individual responsibility – their premiums will come down as they get more experienced and avoid crashes and convictions.
However we hear a lot about insurance fraud, and uninsured drivers which have to be paid for by the paying motorists – the industry and the law needs to crack down on this as at present the fine for being uninsured will likely be less than the cost of insurance making the offence appear worth the risk of getting caught which is by no means certain.
If fraud and uninsured driving were significantly reduced then the insurance industry overhead would go down, and so would everybody’s premiums – including the young drivers’.

Young drivers are their own worst enemies. As insurance statistics prove, many of them are very high risk customers and the insurance companies are not benevolent societies. Why should careful drivers with long NCD’s suffer increased premiums because of the accident prone, often uninsured younger drivers? Just go into towns and cities at night and see the idiots, the cars filled with noisy teenagers out for a laugh and a danger to others on the road. If younger drivers want cheaper premiums, it has to be earned through careful driving over some years. Take the Pass Plus extra driving test, or even better, enrol with your local Institute of Advanced Motorists’ and get some advanced driver instruction (lessons are free .) Then when you are ready, get yourself examined by a professional advanced police instructor. If you pass, you will have a great record to offer an insurance company. You will be an ultra safe driver on the road and you will be able to get competitive quotes from the insurance companies.

We all have to carry the burden of the unisured driver, but its now at such a level that I find it hard to accept. This should be an area for the Police Community and Traffic Offices to start a concerted effort to reduce, backed up by the courts with tougher actions and penalties against offenders.
The government has invested millions in speed cameras, which are so good??? that Oxfordshire is to remove them all. How about changing tack from being out to get every motorist, to getting the ones that really cause the problems for all. Its about time that insurance registrations and MOT registrations should be displayed along with your tax disc, if an the insurance companies and police can agree on a standard. Its not a solution on its own, and you would also need a way to show that hte car is insured and that the current driver is insured, how not sure, but its a start. It can then be a criminal offence for failiure to display.

So how does this affect the young and the insurance premiums, well not directly, but if the insurance companies, with the help from police, can lower the level of uninsured drivers by getting convictions and maybe forced to pay a retrospective payment penalty that has to be paid to the motor insuarnce bureau directly, whether they are still a car user or not, this could reduce the subsidy we all pay, and in turn lower premiums, enticing more people to get insurance in the first place.