Young drivers still punished by car insurance prices

Young Car Drivers & high insurance premiums.
An appliance could be fitted to the car to restrict the maximum speed for 1 or 2 years or restrict them to day light driving for 1 or 2 years.
The main problem is that too many young drivers do not insure their vehicle because of the high cost. If young drivers premiums were reduced we may get most of them taking out insurance hence the total income to the Insurance Companies would be the same. It is a question of economics.

I like a US idea wear a young driver can have a black box in the cars that can record how a accdent has happed this gives them a discount on there insurance. At £275 maybe a good way to keep your NCD in a accedent that is not your fault. To restrict night driving will leave other problems like getting use to driving at night, wot will be counted as night and the rush home.
We also need to stop the use of parental insurance which means that a lot of young drivers are driving without proper insurance

Perhaps a solution to the uninsured driver problem and perhaps the road tax licence is to incorporate this into the fuel cost at the pump. A basic 3rd party insurance could be had for all drivers and of course you could top this up under your own scheme. The RTL paid as part of the fuel you buy would be a much fairer scheme. The more you use, the more you pay.

Why is so much focus put on these young drivers. I passed my test at 17 and was competent to drive from day one..by the way i’m 38 and have been on the roads for 21 years. Yes you do get some who drive around as though they’re playing Grand Theft Auto..but then again i’ve witnessed so called grown men and WOMEN doing exactly that.
My nephew is 18 and has started to take driving lessons. He’s on a minimum wage but has managed to save £1000 towards buying his first car. I’ve been looking at Clio’s and Punto 1.2l engines as these are appropriate due to his age and experience. I then decided to search some quotes.. and you can imagine my shock when every quote was around the £6000 mark.
Like i said, he’s on minimum wage, he works hard and is a sensible lad. He doesn’t go into the towns wasting his money on a friday and saturday night..he saves what he earns and does worthwhile things with his money.
So, whats the point of bieng able to drive at 17 if you’ve not got a hope in **** of affording to drive on the roads..unless mummy and daddy are stupid enough to part with that kind of cash.
The reason premiums are so high is because of fraudulent claims..fraudulent suggesting the claims should never go through.
The insurance companies simply pay out without thoroughly investigating, then just add thier losses onto our premiums the following year.
Have you been involved in an accident that wasn’t your fault..thats whats splattered on the tv day in day out. So it comes to pass that even in a minor collision you can bet your life theres gonna be whiplash, hospital appointments, time off work etc etc.
These claims go into thousands and thousands..so i think its about time claims were investigated properly, so that the premiums can get back down to a respectable figure, and allow anyone whos of an age to drive..the opportunity to do just that.
The other thing thats crossed my mind is the thought that maybe the goverment is playing a part in the scandalous price rises. Prices so high in a bid to cut congestion..whereby young drivers are eliminated, others like myself decide to start using the bus..due to the fact that my renewal has rose by £350 even though its the same car, and i have 1 years extra no claims. They’ll also cut congestion because there is undoubtedly going to be an increase of uninsured drivers on the road..who without doubt will get caught and banned.
Anyway, whatever…its all gone to pot.

I rode a small motorcycle when I was a student because I could not afford the costs of buying and insuring a car. I was involved in an accident with a car driver who admitted responsibility. I received compensation but I was injured for life. Motorcycles and protective clothing have improved but being on two wheels is a risky business on today’s busy roads, though it is a lot safer on open roads and great fun in decent weather.

Anyone who drives without insurance deserves to have their vehicle crushed and be banned from driving. I think there is a case for insurers adjusting premiums so that third party insurance is more affordable for young drivers who have not had the opportunity to build up a no-claims bonus. After all, individuals and couples without children subsidise those with families.

I found it a massive pain when it came to locating low-cost insurance for my 17 year old daughter, If i recall rightly the very best quote i got was from swift cover also i found a few tips that might help you out at [URL=http://www.carinsurancefor17yearolds.me.uk/car-insurance-for-17-year-olds/]car insurance for 17 year olds[/URL] but im positive if you keep searching around you will come across a policy thats half reasonable.

Every case is different. But it’s unreasonable to allow someone onto the roads under supervision on a provisional licence (like my son at the moment) on an £800 a year premium, only then to ‘reward’ him when he passes his test with a £4000 premium (which is what;s being shown at the moment). He has built a small business while still at school (he’s in 6th Form) to fund the car purchase – a sub-1000cc Micra – and I fork out for the insurance. When he passes his test he wants to be able to visit his (local) clients (he builds websites) for face-to-face meetings, as is reasonable to expect. But he will have to earn a massive amount of money before that becomes even a possibility with the current premium hike. He has been driving off-road since he was 13, and can handle a vehicle (including quite large ones) exceptionally well, so ‘all’ he needs to do is learn to cope with other drivers on the road. He passed his theory without dropping a mark last week. Surely, when he has passed his test (which he hasn’t taken yet) he has ‘proved’ to the government’s satisfaction he has the ability to drive safely on our roads. If he’s then penalised so heavily by these insurance premiums he will never gain further experience to make him an experienced and good driver. The Co-Op (I think) has a scheme where they fit a black box into the car and it records driving styles. If this would keep his (when passed) premiums down I would happily fork out for one of those as the premiums would (should!) then reflect his driving style and not be affected by the driving styles of others. Would it also be an idea to consider limiting driving hours for youngsters? However, as one other correspondent has already commented, it’s not easy to get to a job without your own transport, and where we live, if my son got a job in the next town he could not get there by public transport, even for a 10am start – the public transport infrastructure does not provide a service in that direction. And to really put a spanner in the works, I have been in a number of towns round the UK (I travel quite a lot) where the ‘boy-racers’ are actually outdone in their antics and bravado by the ‘girl-racers’. I think the insurance companies are pulling a fast one when they say the statistics point to males. My experience is that it’s pretty even these days, but when there’s a crash the worst ones tend to be because females have ‘panicked’ rather than because the males are ‘showing off’.

Richard. In an ideal world i would totally agree with you, but you also have to consider that even when commuting in a car you are putting your life at risk, and mopeds and small motorbikes are not safe at all. It makes you wonder – that for the sake of money, kids lives might potentiall be lost. In reality it´s big business- and that, in our society is more important then lives; sad but true.

As a parent of a young male just about to embark on driving lessons, i have been looking and estimating the cost of car insurance for my son. I was staggered at the huge charges being requested by these companies. I know young in experinced drivers are a higher risk but they are certainly not the category that is causing death by dangerous driving or drink driving.

With Unemployment hitting the highest rates today of over 1 million people i think that some of this is due to the fact there is no enthusiasm in the young now. They have no motivation, they can learn to drive but then cannot afford to drive, They could have more job oppotunities open to them if they were able to drive and this having a car to pay for would provide some with the motivation they need to find work as they would have a car to pay for.

This issue is also causing a social seperation. It sends out a message to our young that you can only have insurance if you are priveledged enough to have wealthy parents. Out MP’s should be taking this on and working with insurnace companies to find a way to reduce insurance costs.

I am sure we could put strong enough deterants in place to keep the younger drivers at a slower and more careful pace in their cars.

I think that starting with high premiums is saying guilty before proven innocent. Why not start out by having a limit on engine size to say 1.0 or 1.2 litre and more sensible premiums for men AND women. That way you stop the really rich youngsters jumping in a high powered car because they can afford the stupid premium and consequently crashing because they can’t control themselves or the car, as well as encouraging youngsters to drive safer to keep hold of the lower premium. BUT if they do have an accident that is proven to be their fault, then slap them with the higher premiums that the bad drivers deserve.

Sorry – it has been proved time and time and time again that young drivers are most likely to have and cause accidents costing the insurance companies money – Insurance companies are not charities they are businesses – They calculate premiums pro-actively not retroactively.so they look at various factors in your application and charge according to their previous experiences of the group you belong to. It is exactly the same for ALL types of insurance – whether car or house or whatever.

Hate to point out the discount is not a no blame discount – but a no CLAIM discount – So if you are involved in an accident and a claim is made – you will be charged. Insurance is now the same for men and women

The price of car insurance for new drivers is a complete joke.
Unless you get your parents to pay your insurance or help you with the cost you cant drive its just too expensive. I learnt to drive at 17 but never took my test as insurance was so expensive so left it until later when a car was more of a necessity Im now 21 and on my first lesson after not driving for 4 years I was goo enough to book my test and just needed to brush up on a few things.
Although waiting for years car insurance has now gone up even more! and I am now paying more for insurance than what i would have at the age of 17 its madness.
Personally I think the driving age should be made to 18 as people are a little more level headed at that age. As for people on here saying restrict young drivers as to what time they can drive at night is ridiculous I am still young and with my job i finish at midnight or 3am so restricting times of driving is just the most stupid idea i could think of.

One last thing there is an insurance company called INTHEBOX the put a black box in your car and monitor your driving the safer you drive the lower your insurance

Really, this is ridiculous
When my son turned 17, he took a part time job whilst still at school to help pay for his car, which he duly bought. As a provisional driver he insured his own car, fully comprehensive in his own name for £1400. He took lessons and drove his own car under supervision, gained 100% in his theory test, and passed his driving test first time with one minor fault. Now we come to insure his car for him with a full licence and are greeted with premiums going upwards from £8500! There are no negative aspects to his application other than he is 17 and just passed his test. How are any parents, let alone a student, trying to gain a better education for his future, expected to pay such amounts?

We have gone from elation at him passing his test to devastation at the fact we will now have to sell his car.

This is my third child to pass their driving test, the other two, whilst the premiums were not cheap, were at least manageable. Are our young drivers generally getting so much worse over the last five years that premiums have to rise so much? If so, someone needs to take a serious look at the we we instruct and examine them.

Whilst I accept there are those out there who flaunt the law and drive recklessly, young and old, but should the emphasis not be on rectifying that problem, rather than taking the easy way out and punishing the vast majority who drive safely and responsibly? My son loves driving, he loves his car, polishes it regularly, would never do anything that would risk damaging it and yet he is effectively barred from driving it.

I despair!

I’m not sure what I am supposed to do?

I work self employed and absolutely need transport.
I can’t afford to hire because i’m 23.
I can’t ride a scooter because often work is in other cities.
I can’t public transport because I need to be at obscure locations before 7am.
And I most CERTAINLY cannot buy … because my insurance quote is £4800-6000!

Its insane. I’m doing a job that is normally being done by 26-30 year olds, who can all afford car insurance. I’m going to be priced out of my career simply because of my age. Maybe I should have been a dropout for a few years first?

The other factor is that I live in Hackney. But if I’m working in a different part of the country everyday, I really can’t live outside of London. Plus I put my life first.

Please someone tell me what I’m supposed to do? I have 20 days until the next job starts, all in locations I can’t get to.

just to warn young drivers to watch car insurance my grandson passed his test and was running round in a oldest car was insured with Hasting direct he was insured as a student, he then with the help of his parents saved and bought a 2009 Ford Fiesta costing £6,400 he also got a job as a delivery man with a pizza company and left being a student, when he bought the new car he phoned Hasting insurance told them about all his circumstances that had changed payed the diffrents, on Saturday 25th Nov 2014 on a very foggy night I,m afraid to say he had a accident delivering pizza and the car is a write off, now HASTING DIRECT are refusing to pay any compensation saying he did not declare any of this information all this was done over the phone so he has not got any proof of what he said ,he now has ended up penniless with nothing, hope you can pass this on to all young driver’s when using the phone to do their insurance, he say’s the next time he does any business over the phone he’s going to record all THANK YOU HASTING INSURANCE FOR MY GRANDSON BEING PENNILESS

One of the other factors to reduce insurance costs is how long you have had your licence, iv been driving for 11 years and my mother has had a licence for 25 years she hasnt driven in over 10 years and she gets an insurance quote on mu catr for 200.00 I have been driving for 11 years without fault and my insurance quote was 700.00 I agree smaller than some of the quotes talked about but this logic from the insurance company is flawed. How can young drivers obtain experience, gain no claims bonus, or build up time on there licence if its to expensive to drive in the first place. Older drivers in my area cause the most acidents not young people, older people drive far slower than speed limits resulting in ques, overtaking, slower reaction times and thier insurance is between 200 – 600 pounds also no logi. Insurance companies are a business but when the goverment make it illegal to drive without insurance there is an obligation to make sure the people are not ripped off or defrauded. There is something dodgy in the air and I smell money!