Omega Owners Forum
Chat Area => General Discussion Area => Topic started by: Richie London on 08 May 2008, 20:58:52
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youngen in the pub has just bought his first car, citreon, i think its a saxa 1.1, he paid a grand for it,
insurance =3600, third party :o :o
unbelievable!!
richie
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youngen in the pub has just bought his first car, citreon, i think its a saxa 1.1, he paid a grand for it,
insurance =3600, third party :o :o
unbelievable!!
richie
Ouch... And they wander why people drive around un-insured!!
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youngen in the pub has just bought his first car, citreon, i think its a saxa 1.1, he paid a grand for it,
insurance =3600, third party
unbelievable!!
richie That's only 69.23 a week, he will just have to go without a girlfriend, beer, clothes,food,petrol & a decent sound system, not the end of the world is it ;D
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my step son pays 2600 3rd party fire and theft
1.6 16 v astra sport
quote for his mum as main driver and him as named driver 1100
i know he wont earn any ncb but saving 1500 quid ayear till hes older
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I know it is bad but that seems really bad, how can we expect kids to pay such premiums.
Anyone out there with a 17 year old to compare, i am just at the sorting out a 16 year old scooter in a few weeks, but next year!!!!!!!
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my step son pays 2600 3rd party fire and theft
1.6 16 v astra sport
quote for his mum as main driver and him as named driver 1100
i know he wont earn any ncb but saving 1500 quid ayear till hes older
sorry should have said hes 18 at the moment
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my step son pays 2600 3rd party fire and theft
1.6 16 v astra sport
quote for his mum as main driver and him as named driver 1100
i know he wont earn any ncb but saving 1500 quid ayear till hes older
He should try "Direct Line" they give named drivers NCB's as well as the main Driver, Top notch 8-)
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I suppose I was lucky really because I bought my fist car (a rusty Metro) and insured it myself from the start!!
But I don't think I could do it now days! :-? :-?
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No wonder so many have no insurance
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'96 renault clit stepson is 18 on a provisional licence, he is a named driver and can earn NCB once he passes his test
TPFT = £385
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£3600 he's being robbed, my mate's paying less than £2000 fully comp on his 1.1 saxo
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My lad (he's 20 tomorrow) paid about £1700 fully comp (there was next to no dfference in price from the TPF&T quote) on a £500 M reg 1.4 Astra F.
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Why don't young drivers get something totally uncool and worthless as a first car for a couple of years before getting something that will be loaded insurance-wise by its' popularity?
Surely an old heap would not cost that much to insure, and comes with the added opportunity to learn about car maintenance ifwhen it breaks down.
My 1.7 Morris Ital only cost me 300 quid to insure TPFT when I was 20 (granted insurance has gone up a bit since then), and, despite being a highly effective contraceptive when it came to picking up members of the opposite sex, it would see off any of my mates' 1.1 / 1.3 Fiestas, Escrots, etc. 8-)
Kevin
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Why don't young drivers get something totally uncool and worthless as a first car for a couple of years before getting something that will be loaded insurance-wise by its' popularity?
Surely an old heap would not cost that much to insure, and comes with the added opportunity to learn about car maintenance ifwhen it breaks down.
My 1.7 Morris Ital only cost me 300 quid to insure TPFT when I was 20 (granted insurance has gone up a bit since then), and, despite being a highly effective contraceptive when it came to picking up members of the opposite sex, it would see off any of my mates' 1.1 / 1.3 Fiestas, Escrots, etc. 8-)
Kevin
I did, had a 1.3 Nissan Sunny LX on a E plate.
Cost £900 a year to insure @ 17.
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Why don't young drivers get something totally uncool and worthless as a first car for a couple of years before getting something that will be loaded insurance-wise by its' popularity?
Surely an old heap would not cost that much to insure, and comes with the added opportunity to learn about car maintenance ifwhen it breaks down. .....
How uncool is an Astra F 1.4?
A mate is selling an R reg 1.0 Cinqucento for £250, so my daughter got a rough quote via Confused. Granted she only passed her test a month or 2 back but the best quote was a grand!
Although we old barstewards might have thought our insurance was steep at the time, I think the youngsters of today are getting a very rough ride. Must be this litigious world we live in these days, either thator the insurance companies are taking us ALL for a ride!
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How uncool is an Astra F 1.4?
Well, fairly, admittedly. The point I was making is that the likes of Saxos would be right off my list.
Although we old barstewards might have thought our insurance was steep at the time, I think the youngsters of today are getting a very rough ride.
Agreed. Insurance needs to be affordable and it clearly isn't for young drivers these days. I wonder how the real exposure to risk relates to the premium charged?
Then again, I know I was still very much still learning to drive when I got my license so I guess that carries a certain level of risk. :-/ Maybe the more comprehensive driving test / training being mooted will help?
Kevin
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......
Then again, I know I was still very much still learning to drive when I got my license so I guess that carries a certain level of risk. :-/ Maybe the more comprehensive driving test / training being mooted will help?
Kevin
I think my lad is a classic example though as to why young lads in particular have high insurance costs. Knows it all, despite his youth! ;D ;D
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'96 renault clit stepson is 18 on a provisional licence, he is a named driver and can earn NCB once he passes his test
TPFT = £385
When he was learning last year, I had my son as a named driver on my policy for a K-reg Peugeot 205. The premiums were about £400.
When he passed his test, the premiums went UP by £120. >:(
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My first car was £250 - I was 27
My moped was £10
Used to pay about £50 a year on the 250s
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'96 renault clit stepson is 18 on a provisional licence, he is a named driver and can earn NCB once he passes his test
TPFT = £385
When he was learning last year, I had my son as a named driver on my policy for a K-reg Peugeot 205. The premiums were about £400.
When he passed his test, the premiums went UP by £120. >:(
When learning, he had someone riding shotgun and advising on speed, gear, hazzards etc. Once passed test, he is on his own without such advice and thus deemed a substantially higher risk...
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'96 renault clit stepson is 18 on a provisional licence, he is a named driver and can earn NCB once he passes his test
TPFT = £385
When he was learning last year, I had my son as a named driver on my policy for a K-reg Peugeot 205. The premiums were about £400.
When he passed his test, the premiums went UP by £120. >:(
When learning, he had someone riding shotgun and advising on speed, gear, hazzards etc. Once passed test, he is on his own without such advice and thus deemed a substantially higher risk...
What makes you think he took any notice of anything I said?
I just used to cower in the passenger seat and whimper quietly. :'(
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'96 renault clit stepson is 18 on a provisional licence, he is a named driver and can earn NCB once he passes his test
TPFT = £385
When he was learning last year, I had my son as a named driver on my policy for a K-reg Peugeot 205. The premiums were about £400.
When he passed his test, the premiums went UP by £120. >:(
When learning, he had someone riding shotgun and advising on speed, gear, hazzards etc. Once passed test, he is on his own without such advice and thus deemed a substantially higher risk...
What makes you think he took any notice of anything I said?
I just used to cower in the passenger seat and whimper quietly. :'(
Same thing happened to me, its common sense really, when your a provisonial driver, the "experianced" passenger is responsible for the learners actions. IE he crashes, you get part of the blame.
To be fair, insurance have every right to charge young males fortunes! theres some statistic like 75% of all males between 17-21 have a crash in thier first year, now there car may only be worth buttons, but the merc or bimmer they could hit wont be!
If you want your son to get resonable insurance send him for as many pass plus, advance driving courses etc, as possible, although these might initally cost a fortune, his insurace wont start to be resonable until he's in his 20's so will save a lot of money in the long run and make him a safer driver.
Also a saxo is not a smart car to get a young driver! they are the next generation nova, lots and lots stolen or crashed so a high risk for an insurer to insure.
My first car was a 86 1.3 nissan Cherry at 17 (embaressing yeah but i didnt have £3k to pay to be "cool") which i used for a year, then was put on my mums corsa then at 20 i got my first 106 rallye, a 1.3 that cost £1800 to insure tpft with 3 years clean driving experiance. but it was worth every penny! :y
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I just used to cower in the passenger seat and whimper quietly.
;D
Reminds me of my 17th birthday. My dad decides to get the L plates out and give me my first driving lesson (on the most twisty road he could find ::)). One deceptive bend where the road appears to go straight but actually goes 90 degrees left... :o Got round it somehow, probably on 2 wheels, and avoiding the oncoming car too. Didn't do dad's nerves any good, though, so a professional driving instructor is enlisted.
Fast forward to when I'm about 30 and my dad is just about ready to be driven in a car with me again, only the car turns out to be my newly completed Westfield, and the location a twisty, sweeping A road in North Devon. Back to square one again. ;D
Kevin
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Same thing happened to me, its common sense really, when your a provisonial driver, the "experianced" passenger is responsible for the learners actions. IE he crashes, you get part of the blame.
To be fair, insurance have every right to charge young males fortunes! theres some statistic like 75% of all males between 17-21 have a crash in thier first year, now there car may only be worth buttons, but the merc or bimmer they could hit wont be!
If you want your son to get resonable insurance send him for as many pass plus, advance driving courses etc, as possible, although these might initally cost a fortune, his insurace wont start to be resonable until he's in his 20's so will save a lot of money in the long run and make him a safer driver.
Also a saxo is not a smart car to get a young driver! they are the next generation nova, lots and lots stolen or crashed so a high risk for an insurer to insure.
My first car was a 86 1.3 nissan Cherry at 17 (embaressing yeah but i didnt have £3k to pay to be "cool") which i used for a year, then was put on my mums corsa then at 20 i got my first 106 rallye, a 1.3 that cost £1800 to insure tpft with 3 years clean driving experiance. but it was worth every penny! :y
Somebody else mentioned the Saxo, not me - I thought that was something you put on the dining table. :)
I'm not complaining about the premium hike - it makes sense to me, although I was a bit surprised at first. And I agree about the Pass Plus - he's been away at university since he passed the test, and hasn't driven for 9 months. I had to scrap the Peugeot 'cos it needed a new exhaust, new clutch and loads of other stuff done to it - can't complain though, my other son bought it for £161 off eBay and did about 50k miles in it.
I'm actually looking for a replacement, but as I am still a "Junior", I can't use the OOF buy and sell forum. So if anyone not too far away has something suitable for sale, please PM me with details.
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Why don't young drivers get something totally uncool and worthless as a first car for a couple of years before getting something that will be loaded insurance-wise by its' popularity?
I couldnt justify spending £500 on a car only to pay £1100 to insure it when i passed my test, so i spent £3200 on a corsa, and it still only cost me £1100 to insure it!
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Insurance for any young driver is frustrating, having just been through it. From my experience (doing lots and lots of online quotes), pass plus etc. doesn't make hardly any difference; in most cases not even enough to justify the cost. May have changed recently but I doubt it.
Secondly, there are many factors that the insurance companies must use to calculate premiums that must be unknown to the public. To see an example of this, try getting quotes for a small engined, quite popular hatch e.g. a Saxo, then some obscure but larger engined car and try to make sense of that?
Best thing to do is to get as many quotes as possible, using not only comparison sites but random insurers. Something will come up that is viable, eventually!
From my experience, put them as a named driver, regardless of NCD. Find an obscure, not well-known car roughly 10 years old, doesn't have to be "un-cool" but certainly unusual. And get as many quotes as it is humanly possible to do so :y
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my first insurance (moped) in oct.75 was £12. in 79 when i was 19 i bought a chevette hs and the insurance was £635 tpf&t,which was a lot of money then.my son wont even consider starting to drive at the moment because he would have to put every penny he had into running a car.
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In 1980 when i was 18 i tried to insure a 1966 "D" Reg Mk1 Cortina 1500 Deluxe. Was quoted £300 which was then the car's value but not easy to pay when i took home £36 a week. So i did'nt bother & drove around in it anyway.
Two ironies,
My V6 now costs less than £200 to insure & is worth a grand.
Today the same Mk1 Cortina would cost £ 3 or 4 grand but i could probably insure it on a classic policy for less than a £100. :-/
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im 21 have 3 years ncb with adrian flux and have a modified mv6 powerchipped and sports exhaust system and a panel airfilter & bored out throttle boddies £695 fully comp which for a group 17 car aint bad!
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I just used to cower in the passenger seat and whimper quietly.
Fast forward to when I'm about 30 and my dad is just about ready to be driven in a car with me again, only the car turns out to be my newly completed Westfield, and the location a twisty, sweeping A road in North Devon. Back to square one again. ;D
Kevin
You Git!!! ;D
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My lad (he's 20 tomorrow) paid about £1700 fully comp (there was next to no dfference in price from the TPF&T quote) on a £500 M reg 1.4 Astra F.
Im 20, and the Omega Elite 3.0 Auto was only just over £1000 in my name.
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My lad (he's 20 tomorrow) paid about £1700 fully comp (there was next to no dfference in price from the TPF&T quote) on a £500 M reg 1.4 Astra F.
Im 20, and the Omega Elite 3.0 Auto was only just over £1000 in my name.
I guess that though it is a big and fast car it would not be popular with the yoof, so as previously mentioned choose a less expectable car.
sounds liek he had done very well as at his age I was quoted £400 for an Granada V6 Coupe and that was a good few years ago.
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my step son pays 2600 3rd party fire and theft
1.6 16 v astra sport
quote for his mum as main driver and him as named driver 1100
i know he wont earn any ncb but saving 1500 quid ayear till hes older
He should try "Direct Line" they give named drivers NCB's as well as the main Driver, Top notch 8-)
Toruble with that is not all companies wil accept it as a genuine NCB. My son-in-law (just passed his test) has just got insurance on a corsa type thing, and its best part of a grand. However it comes down a lot after 6months. So he has bought a banger to last him and will get something better after the 6 month period is up.
Ken
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`Other then the 'obvious' risks, I was musing as to why the premiums might be so-much higher for young male drivers...... :-/
I`ll start the ball rolling with:
'Self induced blindness' ;D