Younger drivers - Posts split from Type R insurance

[robbo51]

Why not get a lower group car for a few years, build up a NCD and save yourself some money.
It might just save your life too
Sorry to put a spanner in but I'm not supportive of young people driving fast cars..inexperience.etc
I've seen first hand what fast cars can do to young lives

[harleyfatboy]

The big car manufactures dont give a damn...they advertise on tv , pictures in mags ,styling cars for the younger end of the market...whats the fastest ,whats the coolest, whats the car to be seen in,...Sensory overload man...number crunchers ....damage limitation is part of the equation its not important to them but it exists...Thats the real world....ON A STEEL HORSE I RIDE

[NEEMSTAR]

Im 21 with e car, £1400 but i found postcode makes a big difference. just pay it and get driving - by the way most performance insurers will ask for a years worth of experience in a "performance" car before they touch you which is what im waiting for.

Originally Posted by robbo51

Why not get a lower group car for a few years, build up a NCD and save yourself some money.
It might just save your life too
Sorry to put a spanner in but I'm not supportive of young people driving fast cars..inexperience.etc
I've seen first hand what fast cars can do to young lives

I've seen first hand what fast cars can do to middle aged men. your point ?

[Redciv]

I think Robbo's point is valid in that with age & a few years' experience you do realise the potential of driving fast in different conditions, on differing road surfaces & with a variety of other drivers around. You perhaps anticipate more than you did when you were young.
You've only to go on a dual carriageway later in the evening to witness what some (and I stress 'some') young lads are prepared to do when driving their cars.
It seems to be the case now that to gain respect in certain circles you have to drive around with the biggest & loudest exhaust etc. What's that all about ?
That said, I have a son of 19 who uses one of my cars (a mini one), who to the best of my knowledge is careful so I know it certainly is not the case that all young men with decent cars want to drive fast & or recklessly.
I think the high cost of insurance for lower age groups with limited experience is set correctly though, even though to add younger drivers to my insurance triples the annual cost.

[Dimplyred]

Originally Posted by NEEMSTAR

I've seen first hand what fast cars can do to middle aged men. your point ?

You can't really argue with statistics though, young male drivers are the highest risk group for being involved in accidents.

I lifted this from the first site of hundreds of web sites reporting the facts.

' Young drivers are statistically proven to take more risks than other drivers and many do not even consider that they are putting their own life and the lives of others at risk if they hit the accelerator and exceed the speed limit. Young drivers also seem to be the worst culprits when it comes to road races and the more that they are egged on by friends, the more rubber they are likely to burn. '

[Robbieee]

Originally Posted by Dimplyred

You can't really argue with statistics though, young male drivers are the highest risk group for being involved in accidents.

I lifted this from the first site of hundreds of web sites reporting the facts.

' Young drivers are statistically proven to take more risks than other drivers and many do not even consider that they are putting their own life and the lives of others at risk if they hit the accelerator and exceed the speed limit. Young drivers also seem to be the worst culprits when it comes to road races and the more that they are egged on by friends, the more rubber they are likely to burn. '

But of course this is a generalisation, jcalow might be a careful "granny" driver. I know when i was 21, I was fast inexperienced in driving and reckless!! But thats just me! You learn with experience... and i'm only 27!!!!!!! hehe

[NEEMSTAR]

yea i agree that there are quite a few young tools around who drive around like n*b cheddars, with there music loud and drain pipe exhaust louder, revving through town on a saturday night
BUT i just think its harsh that all young people have that rep,
i think some of it is down to attitude and how someone was brought up to be honest

[Dimplyred]

Originally Posted by NEEMSTAR

.....i think some of it is down to attitude and how someone was brought up to be honest

I totally agree.

[robbo51]

Originally Posted by NEEMSTAR

Im 21 with e car, £1400 but i found postcode makes a big difference. just pay it and get driving - by the way most performance insurers will ask for a years worth of experience in a "performance" car before they touch you which is what im waiting for.




I've seen first hand what fast cars can do to middle aged men. your point ?

Statisically its young drivers not middle aged men that are most likely to have accidents.
That's my point.
If youre happy to pay huge amounts to drive a performance car, go ahead.
IMO youre not experienced enough.
Good luck

[Robbieee]

Originally Posted by robbo51

Statisically its young drivers not middle aged men that are most likely to have accidents.
That's my point.
If youre happy to pay huge amounts to drive a performance car, go ahead.
IMO youre not experienced enough.
Good luck

Hi Robbo,

Its all very well saying that, but you don't know jcalow's experience of driving do you? He could hold numerous advanced driving certificates and be considerably more experienced than you! Hypothetically speaking of course.

I think peoples point is that you cant generalise with one particluar driver.

Robbie

[Vet_2010]

To be honest I've found that the more powerful or expensive the car is that I'm driving, the more respect I have for it. I certainly take alot more care with my Civic than I have with any previous cars. I've spent soo much money on it and time looking after it that I sure as hell don't want to do any damage to it.
Plus when your car looks as good as a Civic why drive dangerously fast? Surley you want everyone to see how well it looks, and the faster you go the more stone chips you get and the more cleaning you have to do.
My theory is that the idiots in the tarted up clios, corsas etc. drive so fast all the time so that no one can see how bad their cars actually look! Some of them really are cringe worthy!

[robbo51]

Originally Posted by Robbieee

Hi Robbo,

Its all very well saying that, but you don't know jcalow's experience of driving do you? He could hold numerous advanced driving certificates and be considerably more experienced than you! Hypothetically speaking of course.

I think peoples point is that you cant generalise with one particluar driver.

Robbie

I'm speaking staistically and through experience from over 35 years of driving. He might have all sorts of certificates but I'll wager he doesnt. As for more experienced than me. Er....probably not...LOL
I think all new and young drivers should 'cut their wings' before moving onto more powerful cars.
They will disagree of course. The insurance companies have got it right...Build up experience and no accidents and we will reward you....we might even save your life or somebody else's.

[NEEMSTAR]

Originally Posted by robbo51

Statisically its young drivers not middle aged men that are most likely to have accidents.
That's my point.
If youre happy to pay huge amounts to drive a performance car, go ahead.
IMO youre not experienced enough.
Good luck

I am happy because your only young once
Maybe I was impatient and i should have waited till my insurance was cheaper but where is the fun in that ?
How many years would you say is experienced enough to drive a 200 bhp car then ?
What defines experience when it comes to driving? It definitely is not how many years you have been on the road because there are SHOCKING drivers of all ages.
Thanks for the good luck though

[Jack The Lad.]

I agree completely with DR and robbo.
I was really daft with cars when I was 20-21 and back then, there where far less cars on the roads.
Looking back, I wouldn't have insured ME, with my 2 seaters at 21.

[Dimplyred]

Originally Posted by NEEMSTAR

How many years would you say is experienced enough to drive a 200 bhp car then ?
What defines experience when it comes to driving? It definitely is not how many years you have been on the road because there are SHOCKING drivers of all ages.

There are shocking drivers of all ages, you are right. For whatever reason some drivers will never think logically when it come to the decisions they make while behind the wheel.

Experience is gained by being in a variety of situations, learning from your mistakes and practise. As with everything, not just driving, all this takes time and can't be taught.

So for normal people, not the idiots of all ages who plague our roads, the longer you are driving and the more you do it the more experienced you will become.

[TYPE-R '07]

Originally Posted by robbo51

Why not get a lower group car for a few years, build up a NCD and save yourself some money.
It might just save your life too
Sorry to put a spanner in but I'm not supportive of young people driving fast cars..inexperience.etc
I've seen first hand what fast cars can do to young lives

Very true my friend. Just cause we have a fast machine, Does not mean that we are great drivers.

[robbo51]

Originally Posted by NEEMSTAR

I am happy because your only young once
Maybe I was impatient and i should have waited till my insurance was cheaper but where is the fun in that ?
How many years would you say is experienced enough to drive a 200 bhp car then ?
What defines experience when it comes to driving? It definitely is not how many years you have been on the road because there are SHOCKING drivers of all ages.
Thanks for the good luck though

I remember being young and wanting to go as fast as possible.
Both myself and my mates used to show off all the time..We were having a great time BUT....
There was 1/2 the traffic there is now
200bhp did not exist
Petrol was 35p a gallon
Insurance was far cheaper than today
We made some stupid driving decisions..just because we were young and having fun.
There is nothing different today..EXCEPT....Cars are far more powerful, and there are far more of them.
There is even more pressure to have a 'cool' and powerful car these days...You only have to drive around the cities at night and see the young people cruising around in their GTi's and Saxo's
How much road sense have they got? Not a lot...I would suspect
OK Not all young people are like this BUT statistically they are likely to have accidents much more than middle aged men and yes, there are some appalling drivers out there..'White van man' and 'Repmobiles' but they have experience and can make instant decisions when they need to because they have 'been there'..even if they have driven like idiots!!
All in all. I get what youre saying...You feel invincible when young...we all did...Just take care and pay the huge insurance bill if you want, BUT dont get annoyed when youre told you dont have experience..You dont!!

[garytheobald]

why not build up a year in something like this maybe?

[robbo51]

Lol

[harleyfatboy]

Well what we got here then ...school lessons ? You dont have the experience..... broad statement , you dont know the guy ..Neemstar...apart from this site and yet you are making this statement based on what.... stats ?...he could have a natural gift for driving .... its not all about years behind the wheel ... I have made mistakes and no doubt will make more.... the life lesson is to learn from them ....and what the price of petrol has got to do with it i dont know , and as to less cars ....you only need one more to make an accident ,.... ON A STEEL HORSE I RIDE