BandyQuill Posted February 18, 2010 Posted February 18, 2010 yeah i was taught something along those lines, but if you were any of the first 3 it was fine, if 4th onwards it was handbrake...
tommej Posted February 18, 2010 Posted February 18, 2010 Mmm, is your car a .... (how am I gonna put this...) gary mobile, chav racer etc etc? A lot of the time 'popular' (with boy racers) cars have a mark up on insurance which isn't always applicable to performance. I had a micra and my insurance was pretty cheap. Was an awesome car too, until 3rd gear stopped working. Not bad for 1 clutch it did 144000 miles in all . I was a sad day when I took it to the scrap yard Also I was always taught to only use first gear w/ clutch if you were the first in the queue of traffic and never any cars behind. This was due to the fact that if someone crashes into your rear you will almost certainly bash the guy in front and your insurance can be invalid if this is proved. Eh, seems you'll get give a ridiculous price regardless of what you drive and how you drive it when you're young. It sucks!
RingOfFlame Posted February 18, 2010 Posted February 18, 2010 While we're on the subject of young drivers! Car insurance is flippin ridiculous! I was paying £1200 for a 1.2 engine! Almost as much as I paid for it! Nearly 2 years on and i'm still paying over a grand, what a joke! It'd be cheaper for me to buy cars for a few hundred quid and not bother getting insurance and just replace the car when I inevitably get caught. ~Dont do this~ It's a bloody scam It is not surprising though is it? Young drivers are high risk. Just look at the driving tales of EduTech for example.
jonpenn101 Posted February 18, 2010 Posted February 18, 2010 It seems insurance for anything is a little ridiculous at the moment a collegue of mine has just been quoted for home and contents insurance it's same as his current buildings only insurance???????????? How the hell does that work???
BandyQuill Posted February 18, 2010 Posted February 18, 2010 Eh, seems you'll get give a ridiculous price regardless of what you drive and how you drive it when you're young. It sucks! this isnt true, if you drive say a 1.2 corsa, popular with 'that' sort of young driver its going to be higher than say something less desireable than an older micra.... its allways been like that...
broc Posted February 18, 2010 Posted February 18, 2010 While we're on the subject of young drivers! Car insurance is flippin ridiculous! I was paying £1200 for a 1.2 engine! Almost as much as I paid for it! Nearly 2 years on and i'm still paying over a grand, what a joke! It'd be cheaper for me to buy cars for a few hundred quid and not bother getting insurance and just replace the car when I inevitably get caught. ~Dont do this~ It's a bloody scam Unfortunately your insurance premium also takes into account how much damage you might do to the 'other' guy & his car..... you could do some expensive damage to a £100k limo if you hit it hard with a £200 banger.... It's all done by numbers.... age of driver, gender, experience, chance of having an accident, value of claim, not forgetting the ever increasing number of personal injuries claims ..... The only way through the financial pain is to get beyond 25 with a clean licence & Several years NCD. When you get beyond 50 you can get Group 17 insurance on a roadster for < £300.... but by then you may be too old to enjoy it
tommej Posted February 18, 2010 Posted February 18, 2010 this isnt true, if you drive say a 1.2 corsa, popular with 'that' sort of young driver its going to be higher than say something less desireable than an older micra.... its allways been like that... While that might be true it's also ridiculous to be expected to pay up to twice the cost of your vehicle to allow you to drive it for a year. The car I had was a 1.2 vw polo, with no modifications, hardly a boy racer mobile!!
Jamo Posted February 18, 2010 Posted February 18, 2010 A VW polo is a respectible looking car though, my micra looked like a bubble. No self respecting chav would step foot in my beast lol 1
tommej Posted February 18, 2010 Posted February 18, 2010 A VW polo is a respectible looking car though, my micra looked like a bubble. No self respecting chav would step foot in my beast lol haha bubble boy Enough derail, I was always taught to put it in first at lights with the handbreak on.
RinSewand Posted February 18, 2010 Posted February 18, 2010 First at lights, long wait = handbrake... went out the window when i got my first car and it wouldn't mesh into first unless you were at a standstill... Block shifting - 1,2,3, 6th onto a motorway if I'm pushing it, normally flick through 4th and 5th though. I'm down to £1200 for my current car, not bad for a 200bhp estate at 22... that's with an allowance of 18k miles a year too, and commuter use. RwD
jcollings Posted February 18, 2010 Posted February 18, 2010 I'm just in the process of giving lessons (to supplement his instructer led lessons) to my 17 year old lad and things certaintly seem different than when I did it many years back. I've also been getting quotes for insurance for him and am struggling to get anything under £2k on the cheapest, non-chav cars I can think of! Any tips on who to try from the youngsters on here would be most welcome. He's happy enough to have an uncool car just to get on the road! At 2k plus a year I think he'll be sticking with his scooter for another year or so. Does anyone know - if he gets a years no claims on his bike can he transfer that to car insurance when he switches over?
RinSewand Posted February 18, 2010 Posted February 18, 2010 No idea on bike > car (but i doubt it) However I got a quote for £1400 when I started driving on a '96 fiat punto from LV. Look for 1.1 or 1.2 engines, without any advanced trim levels! 1
SteveBentley Posted February 18, 2010 Posted February 18, 2010 I've also been getting quotes for insurance for him and am struggling to get anything under £2k on the cheapest, non-chav cars I can think of! Any tips on who to try from the youngsters on here would be most welcome. He's happy enough to have an uncool car just to get on the road! Not sure if I qualify as a youngster any more, but Pass Plus is definitely worthwhile. 1
powdarrmonkey Posted February 18, 2010 Posted February 18, 2010 Don't get a car that's not less than a litre or has alloys or special trim. A micra or an AXe are perfect. Add additional named drivers to reduce risk (though they must actually drive it from time to time or the insurers get grumpy). Parents are perfect for this. Keep the estimated milage low if you can and round the car value down ever so slightly, e.g. for a 1000 car, set the value to 990. You can get under some of the thresholds that way. Wind the excess up and hope you don't need to make a claim, although this is a risky strategy. Finally, phone the insurers and play them against each other. 1
mossj Posted February 18, 2010 Posted February 18, 2010 I've also been getting quotes for insurance for him and am struggling to get anything under £2k on the cheapest, non-chav cars I can think of! Any tips on who to try from the youngsters on here would be most welcome. He's happy enough to have an uncool car just to get on the road! Try a qoute for a Austin Mini 998cc (C123 GJO, should work), with one prior accident my insurance was less than £1K (without any it's my dads car business).
powdarrmonkey Posted February 18, 2010 Posted February 18, 2010 Try a qoute for a Austin Mini 998cc (C123 GJO, should work), That's not much help if he's not buying an Austin Mini...
witch Posted February 18, 2010 Posted February 18, 2010 My son spent his gap year working at Lv and we were shocked to find out that if you drove a popular car then your insurance was more because they have more accidents (of course they do, there are more of them!!) He started in a peugeot 106 - 1.1 and with me (female, old, it helps!!) as a named driver, it came in at about £700. The younger one drove a Polo 1 litre - insured in his name for about £650TPFT - this was last year when he passed at 17. We are with Admiral but the Co-op are supposed to be cheap as well. Sometimes price comparison websites dont give you the full picture. The key things are: 1.1 or less, an uncommon car, (look up stats), and parents as named drivers!! * or get a classic car: eldest now has a 37 year old VW - no tax and about £350 insurance. Younger has a 22 year old mini - £400! 1
mac_shinobi Posted February 19, 2010 Posted February 19, 2010 We are with Admiral but the Co-op are supposed to be cheap as well. Sometimes price comparison websites dont give you the full picture. I'm with Elephant.co.uk and think they are under written by admiral and think for the year was around £700 give or take about £20 1
RingOfFlame Posted February 19, 2010 Posted February 19, 2010 * or get a classic car: eldest now has a 37 year old VW - no tax and about £350 insurance. Younger has a 22 year old mini - £400! Interesting. So you are happy to have your newly qualified children in cars that have no safety features such as ABS, air bags etc for the sake of saving some money? 1
mac_shinobi Posted February 19, 2010 Posted February 19, 2010 Interesting. So you are happy to have your newly qualified children in cars that have no safety features such as ABS, air bags etc for the sake of saving some money? Paid about £1200 for my car and has abs, air bags and all that stuff - comes in very handy ( well at least the abs ) Nissan Almera - which is cheaper on insurance then my honda civic was ( same engine size 1.4i ) and has air con and other good stuff except for heated mirrors ( I miss that !! )
sted Posted February 19, 2010 Posted February 19, 2010 Interesting. So you are happy to have your newly qualified children in cars that have no safety features such as ABS, air bags etc for the sake of saving some money? there is an argument that not having these things makes you think more anyway. Its only been in the last 10-15 or so years airbags have been fitted as standard to cars (and they are supposed to be replaced every 10 years or so as they loose effectiveness) and abs is hardly the be all and end all and can increase braking distance under the right circumstances. I know my first car had non of these (1990 escort) and im not 100% sure my second has abs (1996 escort)
AyatollahPies Posted February 19, 2010 Posted February 19, 2010 Interesting. So you are happy to have your newly qualified children in cars that have no safety features such as ABS, air bags etc for the sake of saving some money? New cars cost a fortune in this country. Count yourself lucky you live over the pond.
sted Posted February 19, 2010 Posted February 19, 2010 (edited) New cars cost a fortune in this country. Count yourself lucky you live over the pond. and thats without fuel i doubt any american would pay approx $6.31 for a us gallon of gas maths assuming 1l of petrol costs £1.10 * 3.78 (no of litres in a us gallon) so £4.15ish for a us gallon run via google for currency exvhange Edited February 19, 2010 by sted
powdarrmonkey Posted February 19, 2010 Posted February 19, 2010 Interesting. So you are happy to have your newly qualified children in cars that have no safety features such as ABS, air bags etc for the sake of saving some money? When you are in the position of having to make that decision yourself, you may be critical of other people who choose differently. Until then, please stop being so snide and inflammatory. British cars, tax and insurance are unfortunately not comparable to the US equivalents for all sorts of reasons, and sometimes it's necessary to make compromises and trust the driver to drive carefully. After all, that's a much more safe approach than any gadgets will get you. 1
ahuxham Posted February 19, 2010 Posted February 19, 2010 Paid about £1200 for my car and has abs, air bags and all that stuff - comes in very handy ( well at least the abs ) Nissan Almera - which is cheaper on insurance then my honda civic was ( same engine size 1.4i ) and has air con and other good stuff except for heated mirrors ( I miss that !! ) Insurance on same engine sizes is very different, a Honda Civic for example produces perhaps more BHP than a Nissan Almera, part availability within the UK is another factor, how easy and common are parts to get, and than they compare how many accidents claimed in each car and adjust that way Some 2.0L cars are group 20 where others are Group 11,14 etc etc Very weird system. 1
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