My first 'car' after passing my test was a mini van which cost £60 and £12 to insure TPFT
3 accidents in my first six weeks and I had learnt some serious lessons;
1) take corners slower
2) pay the other guy cash for back-ending him
3) dont look at a girls mini skirt while pulling away from lights that haven't changed
4) give yourself more time to stop on a slushy road especially when the car infront is a lorry
5) where the scrap dealers of cars are located
6) the most important, never tell your insurance company anything, settle all dinks and bumps personally.
For first speedster, a 1275 Cooper S my TPFT insurance with zero claims was £27 (a full weeks wages)
When I asked my broker why the premium was so high his reply was "its like giving a machine gun to a baby"!!!!
A ticket for dodgy tyres and turning when I shouldnt have, plus a few speeding tickets and I could afford to buy a new S and the essential fully comp insurance (weeks wages x 2)
Fast forward to todays premiums and Im paying 2/3 of a weeks wages for FC on a new Golf 2.0 TDI
All in all insurance companies seem to be quite fair with their premiums if your accident free, dont drink, and always drive under the speed limit
The problem for the younger generation is that our roads are far more congested and the machine gun has more and bigger bullets.
Whats are your experiences?