Car Insurance Rip Off!!!!

[thedjse2000]

I am taking my test at the end of Decmeber hopefully i will pass. Anway i try to get insurance quotes i am 18, Male, for example for a 1.2 clio tpft i comes out about �2400, where as my girlfriend lives with me and she is due for her test soon gets quoted on about �1500, why!!!!

Does anyone know how to lower an insurance quote?

Thanks

[jazzy_lady]

get her to come on insurance quote, it might help of a lady is on there!! sorry, but its true

dont skimp on it, u will regret it. I regretted the day the person who smashed into me was 19 and had none. hes left me crippled, but luckily i sued the pants off him,

be patient

[buildersmate]

Buy a cheap car that doesn't go fast, drive it well for a year without incident. The cost then starts to go down, because you've proved you're a better driver than the average male of your age.

[time2fly]

let the comparison sites do the hard work and get your answer:

http://www.insurancechoices.co.uk/compare-car- insurance.html

[THECORBYLOON]

If a male and female driver have exactly the same circumstances, the insurance company is allowed to charge less for the female driver because statistics show females to be less risky.

[thedjse]

Thanks for the advise people and jazzy_lady i hope your ok i am probily going to get a little 1.2 or somthing that gets me from A 2 B. It was little rant really i know what your saying thecorbyloon but its going to look that way as there are less femaile drivers on the road than male

Again thanks for the advise

[DONNA1458]

Insure as a named driver with direct line then after a year they will give you 1 years ncd on your own policy with them. but be aware you can't use the ncd with any other insurer just direct line.

[PhilLew]

Adding other named drivers can bring the price down, I'm a named driver on my sons car insurance and my wifes bike insurace, both were considerably cheaper with me added, maybe it's just because I'm an old git.

See if you can borrow another old git to help with the price, they don't ever actually have to drive your car.

Try this comparison site they are usually quite good.

http://www.confused.com/

[bednobs]

its not really a rip off, its just the way insurance works - they look at what the risks might be and to them an 18 year old boy is more of a risk than an 18 year old girl, therefore the boys premium is higher, because they are more likely to have to pay out on the policy
they wont just have plucked it out of the air that boys are a bigger risk than girls

[thedjse]

Thanks guys

PhilLew are you second driver then or first?

Also bednobs how can they justify �2400 insurance on a car that is worth �500

[thedjse]

Haha cheers gravitate its just annoying really how they can do this some people i know are paying �500 Full Comp on a BMW Z3 what if they crash into a ferrari

[buildersmate]

A simple explanation about risk. Risk is the chance of something happening (crashing the car) multiplied by the impact (cost if you did crash).
Insurers know a heck of a lot about risk - it's how they price their insurance.
When they know nothing about an individual, they base the premium on statistics that they do know something about - gender, age, where you live, the type of car you drive. History has told them a lot about the claim record of similar people in the same situation as you.
When they know a bit more about you, they will adjust the price offer to you accordingly - hence No Claims Discount.

[thedjse]

Can you get a quote and then get it down at all???

[PhilLew]

I'm the second,

If I were the first but not really the main driver it would be what is known as 'fronting'. this is fround upon by the insurance company and could result in them refusing to pay out for a claim.

Not really worth the risk as the premiums would still be high with a young second driver.

I bought my son his first car when he was 16 so he could learn about cars and take some pride in it. He was obviously too young to drive or have insurance so I insured it in may name as the only driver, fully comp cost me �99. When he turned 17 I got quotes for adding him as a driver to my existing policy and for a new policy in his own name with me as the second driver, both were around �600, so he now has his own policy, is staring to build up his own NCB and is already plotting what to buy when the discounts kick in and he can afford the insurance on a bigger car.

Good luck

[PhilLew]

Forgot to add, when getting quotes get 'full comp' quotes as well as TPF&T as some companies won't quote the latter so you're limiting the choice of providers and the difference often isn't that much.

[thedjse]

Thanks PhilLew i use confused.com as its a good comparison site