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Author Topic: Why  (Read 6562 times)

Offline Devilz

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Why
« on: 29 May 2012, 17:03 »
Why is insurance so bloody high????????????????

I'm trying to get insurance for my 19 year old brother who got his full UK driving licence two months ago. No matter which car I check for insurance, cheapest quote I got is around £8K third party only  :shocked: :shocked: :shocked:

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Offline mcgee9t2

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Re: Why
« Reply #1 on: 29 May 2012, 17:09 »
cause hes a new driver, and every fooker in this country sticks a whiplash claim in, the £1k+ compo has to come from somewere.

forget anything new and powerful. 1 letre micra or something for a year till he has a years experience and a years ncb, then possibly might be able to get a reasonable quote on a 1.4 or something.
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Offline Ant1981

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Re: Why
« Reply #2 on: 29 May 2012, 17:21 »
Whiplash claims, accidents caused by sh!t foreign drivers (how they ever got a licence is beyond reasonable grasp) and the payouts from the older crowd who cause accidents. Despite what people think, from what I've seen, between the youngens and the 'experienced', it's the older crowd who are the worst, and possess a combination of impatience, risk taking and incompetence.
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Offline Seanl

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Re: Why
« Reply #3 on: 29 May 2012, 18:28 »
If your only looking at 3rd Party only, try F+T and fully Comp. Most of the time 3rd Party only is more expensive with a new driver as they expect them to not take care of the car and generally not really give a toss.  :wink:
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Offline scarr89

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Re: Why
« Reply #4 on: 29 May 2012, 18:32 »
Insurance is just savage. For my self, after next years annual renewal I will have paid more than the car is worth on insurance...I know for new drivers that will probably be in their first year!

The whole 'claim' culture that the world has gotten it self into is a f**king joke. The insurance companies greed, and our own, have bought it upon our selves. Always telling your mate to stick in a claim for whiplash for a 10mph collision and then if it isn't your mate it will be insurance companies telling you to turn down £xxxx as it is too low and they think you can get more!

Know we ALL have to pay for it...
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Offline JC

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Re: Why
« Reply #5 on: 29 May 2012, 19:47 »
Quote from: Devilz on 29 May 2012, 17:03
Why is insurance so bloody high????????????????

I'm trying to get insurance for my 19 year old brother who got his full UK driving licence two months ago. No matter which car I check for insurance, cheapest quote I got is around £8K third party only  :shocked: :shocked: :shocked:



and the cars you have been look at are ?
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Offline Devilz

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Re: Why
« Reply #6 on: 29 May 2012, 21:17 »
Quote from: Chuff on 29 May 2012, 19:47
Quote from: Devilz on 29 May 2012, 17:03
Why is insurance so bloody high????????????????

I'm trying to get insurance for my 19 year old brother who got his full UK driving licence two months ago. No matter which car I check for insurance, cheapest quote I got is around £8K third party only  :shocked: :shocked: :shocked:



and the cars you have been look at are ?

The last one I looked at is 2001 Suzuki Ignis, I got 11 years NCB and added him as second driver and quotation was £8126 to be exact  :lipsrsealed:

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Offline JC

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Re: Why
« Reply #7 on: 29 May 2012, 21:20 »
thats why, they class it as a fronted policy.

Get him out on his own policy ASAP

Add in a OLD, clean record driver, brings it down a LOT

and no point in running him as a named driver as he wont get on the NCB ladder .

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Offline Devilz

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Re: Why
« Reply #8 on: 29 May 2012, 21:37 »
Quote from: Chuff on 29 May 2012, 21:20
thats why, they class it as a fronted policy.

Get him out on his own policy ASAP

Add in a OLD, clean record driver, brings it down a LOT

and no point in running him as a named driver as he wont get on the NCB ladder .



My licence is clean and shinny like new  :rolleyes: guess I'm not old enough right now

I have changed the policy other way around, made him main driver and added my father as secondary driver and the cheapest quote is £4635 - third party fire & theft  :undecided:

its absolutely joke, car is Nissan Micra 998 CC and the price we paid for it is £450
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Offline mcgee9t2

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Re: Why
« Reply #9 on: 29 May 2012, 22:58 »
yepp it is a joke, try with out people on too.

i know for my first year mine was about 500 quid cheeper with my dad on my policy (5+years ncb, 15+years driving, 0 points ect ect ect)
but the last two years it has made it about 400 quid more expensive
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