?One in five? young UK drivers uninsured.

Spectre said:
I think you'd need to spec a driver age and gender there, as well as the specific years of the cars.
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Well, as we are talking about teenage drivers, I think 18 would be suitable, and male ofcourse, because Im sexist and their rates tend to be higher.:p

So lets say:
1994 Nissan Micra 701,13 ?......1292,92 ?
1995 Escort Cosworth 1143,46 ?....2044,18 ?
2009 Porsche Turbo 1094,33 ?....4816,35 ?
2005 525i 1393,20 ?....4503,43 ?

A 2005 525 costs more to insure than a brand new 911 Turbo.. :eek:

1 year with minimum coverage, and 1 year with full coverage. I'll post stats from here in a minute.

Just to get some sort of general idea..
 
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If I were to pay the insurance for our family's Focus at this moment, the cost would range from 120 to about 300 Euros for 12 months. They don't care about the age of the vehicle, just the engine capacity.

The maximum cost if my dad were to insure it for the same period would only range up to 160-170 Euros.



EDIT: Damn, I could pay the insurance on a Porsche and get a quote of only 200 Euros!
 
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Here?s what I found (18 year old with 5%/200 EUR deductible on the full coverage insurance):

Micra

Limited liability: 3400 CZK = about 160 EUR
Full coverage: 9167 CZK = 360 EUR

Escort RS Cosworth (they don?t have the Cosworth in the database, so this is what I got when I entered the rough specs and an assumed value of 18 000 EUR)

Limited liablity: 10 085 CZK = 400 EUR
Full coverage: 78 400 CZK = 3 100 EUR

911 Turbo

Limited liability: 14 748 CZK = 600 EUR
Full coverage 1 040 271 CZK = 41 000 EUR :lol: ? apparently, there is a 1:4 probability that the 18 year old will stuff his 911 Turbo or get it stolen in the coming year

BMW

Limited liability: 13 246 CZK = 530 EUR
Full coverage: 107 099 CZK = 4 000 EUR
 
Brr... I got shivers...

1993 Nissan Micra - 1950 ?
2009 Ford Fiesta 1.2 - 1731 ?
Porsche 911 Turbo - 1934
BMW 525i - 3428 ?

The strange thing is that I tried at another company, and I got these results:

1993 Nissan Micra - 3958 ?
2009 Ford Fiesta 1.2 - 3546 ?
Porsche 911 Turbo - 4042
BMW 525i - 4042 ?
Ford Escort Cosworth - 4042 ?

This was the first company I tried, and I was shocked.

You must also consider that my city is the second city in Italy for high insurance rates, after Naples.

You must also consider that Diesel versions of these cars (well... apart from Porsche, obviously) cost more to insure.

All these rates are the minimum available. Cars with this rates will not be insured against theft, fire, vandalism, natural disasters, nor the owner will be refunded for the damages he/she does to its own car.
 
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I can't do calculations without a identity number for an 18-year old and can't help :(
 
ouch. Insurance in Canada is in pretty much the same state. If I were to be not under my parents insurance

Notwithstanding I drive a 1992 3.3L Grand Am (not really a sporty car)
Notwithstanding I have 6 years of driving experience and no accidents
Notwithstanding I have no speeding or parking tickets

My insurance would still cost 3 000 dollars+ per year.

Just because I'm male and under 25, they expect that at any moment I might start wearing silver chains and burberry hats worn the wrong way round, and drive at a million miles an hour on a surface street, and promptly wrap my car around a tree while carrying more occupants than it is designed for. After taking out a minivan that was occupied by a working single mother and her 5 children on their way to church.

While drunk.

And high.
 
Don't judge me, but I want an MX5... yes another member with one.

Even though i'm 24, i haven't had my license long and it's gonna be around ?1400 fully comp.
 
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I once got a Progressive quote for me, alone, nothing on my record, good grades, driver's ed, defensive driving school, for a Mercury Marauder for....
$18,000

Yes, that's eighteen THOUSAND dollars for a year full coverage.
 
JakeRadden said:
I once got a Progressive quote for me, alone, nothing on my record, good grades, driver's ed, defensive driving school, for a Mercury Marauder for....
$18,000

Yes, that's eighteen THOUSAND dollars for a year full coverage.
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Why is it with most people under 24, it's like buying the car AGAIN.

Dear insurance companies:

Young people, if they're going to wreck spectacularily, will do it in a 1.8L Civic.
When was the last time you heard of someone becoming a telegraph pole remover in a Marauder, let alone a young person?
:mad:
 
JakeRadden said:
I once got a Progressive quote for me, alone, nothing on my record, good grades, driver's ed, defensive driving school, for a Mercury Marauder for....
$18,000

Yes, that's eighteen THOUSAND dollars for a year full coverage.
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That's crazy. I filled out a Geico quote form for a Marauder as an 18 yo with a speeding ticket and I was quoted $97/mo. I know insurance can vary greatly based on location and company, but a factor of 15 is more than I was expecting.
 
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HatePersonified said:
telegraph pole remover:
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:lol: Love that term

Anyway:
I just don't get the british car insurance system.

Here is Switzerland numberplates are gouvernemet property and are also directly insurance-linked. You cant' obtain numberplates in the first place without the written evidence that you have just paid your insurance.

And if you think you're too smart for this world and you don't pay your insurance any longer after you got your plates, the police are informed at once from the insurance companys (it's a law) and your number plates will be declared void and you will be severely fined according to your income. - The police actually drive up the the owners home and remove the plates themselfs. - Which is a very costly form of personal service, even for swiss standards. ;)

Insurance cost example:
I drive since 7 years, and I have to pay 1000 SFr. per year. (= 942 USD, 658 EUR, 577 GBP). During my first year I paid 1250 Sfr.

Greetings, lip
 
AiR said:
kat, the police cars are equipped with automatic numberplate readers. They simply drive down the street and whenever someone without insurance comes along, the alarm bells go off. Same system is used by stationary cameras, if you drive into central London for example you will get scanned and then central can dispatch a car to stop you. Uninsured drivers have their cars taken away and crushed after 14 days.
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Wow! Isn't the future grand?
 
If I were to insure just my DD 2002 Focus (a sedan, with the baby engine) in my own name - and completely give up the ZX2, it would cost (Age 22, one speeding ticket, white male) almost $24,000 per year with my current insurance company. Which is more than the car fucking cost to begin with, TWICE what I paid for it, and just WAY TOO MUCH FUCKING MONEY.)

However with both my father and I on the same policy, with both cars, and me listed as the primary driver on both, it's somehow $300/month. If we put him (50, no accidents or tickets in 30 fucking years) down as the primary driver on either one or both of them, it comes out to $400/month. I think they just pull numbers out of their assholes, quite frankly.
 
Aston Martin said:
Don't judge me, but I want an MX5... yes another member with one.

Even though i'm 24, i haven't had my license long and it's gonna be around ?1400 fully comp.
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Get it! :D

For me at 23 (when I bought the car) I had a clear driving record, had my licence for five years and had previously ridden borrowed motorcycles. No offences, no points on my licence, still about ?900 a year. It's only just gone down to ?600, ?800 if you count combined coverage with the Yamaha.
 
I would say that the 1 in 5 applies to the whole world. How many of us in here have ever gone without insurance? I know I did for about a month(hospital bills). I only drove to and from work during that time and I lived in the middle of nowheresville. But the rates are so insane for a young adult to insure a car in their name, that I am suprised it isn't a higher percentage.
 
GRtak said:
I would say that the 1 in 5 applies to the whole world. (...)
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Well, I wouldn't ;) There are rather large countries where only a small percentage of people have cars and/or where insurance is not mandatory. And on the other hand countries where you have to insure your car to even get the number plates for it.
I know that insurance fees can be ridiculously high but I wouldn't dream about driving with no insurance, because even if it's not my fault and someone else crashes into me the other insurance company will say that I wasn't allowed to drive with that car in the first place and that they won't pay, even if it was entirely the other guy's fault. It's quite stupid actually, but I guess insurance companies will do anything to not have to pay. It's the same with winter tires: Until a few years ago you weren't obliged to fit winter tires to your car but if something happened to your car during the winter (which are quite mild around here anyway) - even if it was completely unrelated to the kind of tires on your car - your insurance company probably wouldn't pay. Even if it was 15 ?C outside and neither snow nor ice could be found anywhere in the vicinity. At least now they passed a law covering that subject...
 
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There should be a very basic level of insurance included with road tax. This would pretty much solve the problem, I'm not saying the high cost of insurance is justification for a young person to drive uninsured but the fact is they're doing it in huge numbers and the main reason is the expense.

They're idiots of course, with the chance of being caught so high but that doesn't seem to deter many. I certainly knew of many people when I was 18 who owned cars they could not have possibly afforded to insure - the one in five figure doesn't surprise me at all.

Of course if basic third party insurance were included with the road tax there would have to be restrictions on cars young people would be allowed to have, there's lots of cheap cars out there that are unsuitable for young drivers. Make a system where you have the choice of using this provided, basic insurance and having to drive a car with a limited engine size, insurance group or whatever. Those who don't wish to be bound by such restrictions could still choose to insure any other car in usual way.

edit: for the record, when I was 17 I insured a 1999 Clio 1.2. I lived in a quiet, low crime little town on the east coast of Scotland. ?1300 fully comp.
 
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Old cars are the best way to get cheap insurance, I just paid ?550 for a year third party on mine.

I'm also ready for uninsured drivers, if one hits me who do you think will come off worst?
 
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