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General => Insurance => Topic started by: scarr89 on 16 May 2013, 21:37
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Long story short, my younger brother: 21, lives in Abroath, 3 points and a £120 fine, 4 years NCB, has just bought an RS6 and has managed to get insurance on it for f**king cheap IMO. Just over £800 I believe.
My question is, should insurance companies be allowed to insure someone of that age and maturity, with that little driving experience, for that little, on such a powerful car?
Yes there are many variables, maturity of said age group and previous road experience etc etc.
I feel that is it outrageous that some one like that can get insured on a car like an RS6 for so little when others are paying more for far lesser cars?!
Please explain where the logic and social responsibility is...
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Is this for real :huh:
Every thought of moving to a country with even fewer rights to freedom than we have here :whistle:
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Is this for real :huh:
Every thought of moving to a country with even fewer rights to freedom than we have here :whistle:
I know what you mean, 'free' country and all. But can you see my point? Is there no obligation to do the 'correct' thing?
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Sorry, Can't see ya point.
At his age he could be driving 40 tonne wagons or be on a 186mph super bike
And having recovered some high powered car from owners aged 40+ who have got it very wrong what age would you want it limited too. ?
Live and let live, too much control over us these days compared to years gone by. . . . . .
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Scarr, just admit it, you are jealous as funk that your brother has an RS6 and you have a a mere 130bhp!
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Obviously I don't know your brother, or how responsible he is (3 points isn't great) but I wouldn't say it was irresponsible or unethical to insure him! Just because he is driving a more powerful car than most 21 year olds dosn't mean he is any more dangerous. A sh!tty clio goes fast enough to do just as much damage as an RS6 at the end of the day.
I am happy insurance companies seem to be letting up a little.
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Scarr, just admit it, you are jealous as funk that your brother has an RS6 and you have a a mere 130bhp!
:grin:
Insurance companies only care about one thing and thats money
I want to know what daft cnut gave him such a good deal!!!!
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We wouldn't insure a 21 year on on an RS6 but 21 with 4 years NCB speaks volumes.. it rare 21 year olds have that sort of NCB level.
Fair play to him I say.
Ollie
Sky Insurance
Tel: 01707 642552
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Scarr, just admit it, you are jealous as funk that your brother has an RS6 and you have a a mere 130bhp!
:grin: :grin:
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I have 4 years and 21 haha :D
Is it definitely noted down right? There was a recent story Sky insurance posted about the red audi quattro DTM just being down as a 2.0 TSFI, yet only 500 or something DTMs were made.
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I have 4 years and 21 haha :D
Is it definitely noted down right? There was a recent story Sky insurance posted about the red audi quattro DTM just being down as a 2.0 TSFI, yet only 500 or something DTMs were made.
It most likely is noted as that. Lots of cars are simply noted down as their engine type and not if they are special edition etc etc both in your service book and on the V5
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Scarr, just admit it, you are jealous as funk that your brother has an RS6 and you have a a mere 130bhp!
:grin:
Insurance companies only care about one thing and thats money
I want to know what daft cnut gave him such a good deal!!!!
Yes to both of the above, I guess.
It just grinds me gears that getting insurance on a car like that is so accessible, especially for someone as young; and especially when I am paying £600 for a dub with less than 200 ponies! :shocked:
We wouldn't insure a 21 year on on an RS6 but 21 with 4 years NCB speaks volumes.. it rare 21 year olds have that sort of NCB level.
Fair play to him I say.
Ollie
Sky Insurance
Tel: 01707 642552
4 years NCB is good right? I'd have thought that would be almost standard nation wide? Or me being naive thinking it is easy to get NCB... :undecided:
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4 years NCB is good right? I'd have thought that would be almost standard nation wide? Or me being naive thinking it is easy to get NCB... :undecided:
if well advised its good, my daughter has it but i MADE her insure her own car from the day she bought it, even before passing her test. 22 and 5 years NCB
however, a LOT of people go down the fronting route driving on their parents policy as a named driver so no no claims. My son is doing this on his g/friends parents, he wont learn so he is 20 with no NCB.
he has got himself to a position to enjoy his motoring lifestyle. Let Him
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4 years NCB is good right? I'd have thought that would be almost standard nation wide? Or me being naive thinking it is easy to get NCB... :undecided:
4 years NCB at 21 is very good, as Chuff says very few 17 year olds can afford to have an insurance policy in their own name to build up NCB.
Combine that with some of the statistics floating around, e.g. 27% of 17-19 year old male drivers have a crash within the first year of driving, for someone to get to 21 without having an accident says a considerable amount about their driving.
That said, I'm 25 with 6 years NCB, the only reason it isn't 8 years is that I wasn't in a position to be able to insure a car at 17.
I say all credit to your brother for doing it while he can, as soon as he has to start paying a mortgage/rent and all the bills that come with moving away from home he might not be able to.
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4 years NCB is good right? I'd have thought that would be almost standard nation wide? Or me being naive thinking it is easy to get NCB... :undecided:
It's rare to see a 21 year old male with 4 years NCB.
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I reckon the OP is taking this to far...least your brother has insurance..he has a car he wants...and can afford to run it...that's surely the end of it...ethical or not...its happening..
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Sibling rivalry/jealosy! :grin:
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howcome you are paying £600 on a 130bhp vw?. how old are you, how much NCB do you have, did you shop around?
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howcome you are paying £600 on a 130bhp vw?. how old are you, how much NCB do you have, did you shop around?
That is what I'm getting at. Where is the comparison?
Yes I shopped around and I'm 23 with 5yr NCB & 1 claim...I guess it is the 'mods' which I have that insurance companies aren't keen on.
I am aware that insurance is really tough to get for a new drivers etc but WTF is the comparison to a 21 yr old driving a car like that?!
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Largely due to risk, so perhaps RS6 drivers are statistically very safe...
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Area
Risk
Occupation
How easy it is to steal the car (MK4's as you know arent great :lipsrsealed:)
Crime rate
To name a few
There are lots of variables that most people dont think or even know about!!
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We wouldn't insure a 21 year on on an RS6 but 21 with 4 years NCB speaks volumes.. it rare 21 year olds have that sort of NCB level.
Fair play to him I say.
Ollie
Sky Insurance
Tel: 01707 642552
I'm 30 with 8 years NBC, I pay £700 in London for a golf gti mk5, think you can beat that...?
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I'm 30 with 8 years NBC, I pay £700 in London for a golf gti mk5, think you can beat that...?
Hard to say based just on those details but feel free to get in touch.
Tel: 01707 642552