Civinfo - View Single Post

sfboy · 23rd January 2008, 00:19

Well I'm an absolute fiend when it comes to insurance, I ring round everyone I even speak to the same people sometimes because some of them are essentially the same company, just with different names.

I found anything from the Admiral group are the cheapest (for me) - elephant, bell, admiral etc.. But the only answer is to decide 100% on your variables;- where its kept, what type of use, how many miles (I overestimated in my first year and it probably cost me more than it should) and then on a free afternoon pick up the phone book and ring everyone.

The fact of the matter is you are going to get absolutely hammered by the insurance companies because they know they can get away with it. It makes no sense and in my view contributes to the number of uninsured drivers on the road, we need a national driver registration scheme where insurance is monitored, controlled and even subsidised by the state. Also, I'm confused as to why you decided to buy a £12,000 car after seeing one advertised for £9,000 - I thought dealers were supposed to work the other way round. But that is by the by.

Your car is a group 4 insurance car, £2k seems astronomical - even at 18. I'm 21 now and still paying north of £1k on 2.2 with 1yrs ncd.

At the end of the day there are only 3 or 4 major underwriters - who have to decide the risk (which again is BS - You get a higher quote by about 5% being a student living at home than living away- it doesn't make any frikkin' sense!).
While I agree that young, male, drivers are generally causing most accidents, there are safe young male drivers that are being penalised for the idiocy of others (probably uninsured, yet still counted in the statistics)

So, in summary:
- The insurance system is a joke, but a necessary one.
- Don't buy a car until you are 21, with a few years as a named driver (yeah, I forgot to follow that one, too)
- You will be paying alot
- Keep the car garaged (if that's an option), move to a safer area, don't use the car to commute, add you mother or grandmother or great-uncle Ernie who has a phd and is now a priest to the policy
- Don't get any points on your licence or else the next year, you will have to sell one of your kidneys to afford the insurance

Edit: Angie your right about the thing with the Garage, makes no sense. Oh yeah, that brings me to my final point about young lads getting cheaper insurance - have a sex change.

23rd January 2008, 00:19	#19 (permalink)
sfboy Wheelnut Join Date: 8th January 2007 Location: UK Posts: 61 Thanks: 0 Thanked 1 Time in 1 Post iTrader: (0)	Well I'm an absolute fiend when it comes to insurance, I ring round everyone I even speak to the same people sometimes because some of them are essentially the same company, just with different names. I found anything from the Admiral group are the cheapest (for me) - elephant, bell, admiral etc.. But the only answer is to decide 100% on your variables;- where its kept, what type of use, how many miles (I overestimated in my first year and it probably cost me more than it should) and then on a free afternoon pick up the phone book and ring everyone. The fact of the matter is you are going to get absolutely hammered by the insurance companies because they know they can get away with it. It makes no sense and in my view contributes to the number of uninsured drivers on the road, we need a national driver registration scheme where insurance is monitored, controlled and even subsidised by the state. Also, I'm confused as to why you decided to buy a £12,000 car after seeing one advertised for £9,000 - I thought dealers were supposed to work the other way round. But that is by the by. Your car is a group 4 insurance car, £2k seems astronomical - even at 18. I'm 21 now and still paying north of £1k on 2.2 with 1yrs ncd. At the end of the day there are only 3 or 4 major underwriters - who have to decide the risk (which again is BS - You get a higher quote by about 5% being a student living at home than living away- it doesn't make any frikkin' sense!). While I agree that young, male, drivers are generally causing most accidents, there are safe young male drivers that are being penalised for the idiocy of others (probably uninsured, yet still counted in the statistics) So, in summary: - The insurance system is a joke, but a necessary one. - Don't buy a car until you are 21, with a few years as a named driver (yeah, I forgot to follow that one, too) - You will be paying alot - Keep the car garaged (if that's an option), move to a safer area, don't use the car to commute, add you mother or grandmother or great-uncle Ernie who has a phd and is now a priest to the policy - Don't get any points on your licence or else the next year, you will have to sell one of your kidneys to afford the insurance Edit: Angie your right about the thing with the Garage, makes no sense. Oh yeah, that brings me to my final point about young lads getting cheaper insurance - have a sex change. Last edited by sfboy; 23rd January 2008 at 00:23.