I am so annoyed!

[benny3008]

A few months ago, I got a car insurance quote to see how much insurance would be once I pass my test, it came out at £2000 which was fine. I've got another quote today so I can insure my car on Tuesday providing I pass my test and it's shot up to £4000 which is way to much, there is no way I could afford that and can't see how any 17 year old would be able to! what the hell am I supposed to do now!? I even tried that new drivers insurance company that has rules like, you cant drive between certain hours etc.. and they quoted me £5000, they claim they know that insurance is too expensive for new drivers! they don't know sh!t if they think they can charge that!

[benny3008]

getting quotes for both third party and fully comp

[Dris]

I'll ask a couple of my mates who their kids got insurance through -have to say I agree with Eddie -the pass plus apart from reducing your Insurance is a godsend as even after driving since I was 17 I still take bad when the nights close in and youre suddenly hit with night driving.

[roxie_09]

when i passed my test 2 years ago, when i was 18 i went with directline.. cost me 1100ish...

[mollykins]

That my dear benny is why i'm only learning to drive this summer but not getting a car for a few more years.

[joeluke]

Get a parent to insure you?

[mollykins]

Have you got that pass plus thing? My school has this online tutorial that helps with spacial awareness and learning rules etc that's free for all the students and apaprantly if you complete the course that can knock a bit off of your insurance.

[mollykins]

And it's lower if you're female.

[DEN53]

My Son did the Pass Plus - it didn't make that much difference to his insurance.

[cazzz1975]

being a woman doesnt make much difference either

[mollykins]

If you add up the little things, it makes a difference . . .

[factor-fiction]

Third party fire and theft is unlikely to be much cheaper than Fully Comp since the main claims cost sis not the value of the insured's car- the main claims costs are for damage to other vehicles, the personal injury costs and the other party's hire car costs. Young drivers are such a risk I'm afarid and some companies won't accept them at all.

One way to save is to include an adult as a named additional driver on your policy.

But I'm afraid it's going to be an expensive business until you are nearer 25.

Does anyone really need a car at 17 anyway. It's nice to have but unlikely to be essential. Put your money to one side for a couple of years and then you may have some savings from which to pay the premiums.

[sir.prize]

Give this a try Benny

http://public.callconnection.com/

[cazzz1975]

I agree with factor, for a while It would probably be cheaper to be a named driver on your parents policy at least for a few years.

[sir.prize]

Caution: if you are the main driver or registered keeper of a car, it is imperative that you DO NOT insure the car in your parents' name and add yourself to the policy as a named driver. This is a form of insurance fraud known as 'fronting' which will invalidate your policy and could lead to you being charged with driving without insurance, an offence that carries a minimum punishment of six penalty points and a £200 fine.

[wiggal]

Hey Benny,

My insurance aas £1700 last year, my other half got me a quote through his company at the beginning of the month as it was up for renewal, and they came back at £500!

Saving me over £100 a month!

Try LV and see what they come back with.

[Andyvon]

Benny -

Insurance companies can quote whatever they want. Like a shop or restaurant they are under no obligation to accept anyone as a customer. If a shop or bar thinks a customer might cause damage and them money they have every right to ask them to take their custom elsewhere. It is the insurance company who you will expect to fork out a lot of money if you have an accident, so if they think an inexperienced driver is going to cause them to have to pay out a lot of money they prefer not to take the risk.

The problem is that there are far too many young drivers on the roads today in cars that are much faster then a generation ago. When I started driving in 1980, 30mph was damn fast in a Cortina or Viva! You also had to use a fair degree of muscle power and anticipation to change gear, turn the steering wheel and guide the car round a bend! Modern cars are so snappy and fast that when you combine that with an inexperienced driver you get accidents. There's also the fact many drivers maintained and repaired their own cars. If you dented a wing or bumper you just unbolted it and bolted on a new one. Most modern cars have welded panels and it costs a four-figure sum for a repairer even to change a wing! Bumpers are plastic rubbish that cracks at the slightest bump and cost hundreds to replace.

When I was 18 my first car was a Rover P6 and the insurance was £82 a year which everyone whistled at. My boss's Escort was £35 a year! I'm afraid that new drivers like you are being penalised for a combination of three factors - modern car design, modern car speed and handling and the number of youngsters in such cars. All you can do when you find an insurer is drive carefully, stick to the rules and speed limits and build the trust of the insurers. You premiums will eventually come down.