one in 5 young people uninsured

[TDi90]

you know why...


because its so ******* expensive. i dont blame them. im about to turn 21 and im paying £1300 to insure my land rover defender.
when i was 17 i was paying £2400 to insure my land rover defender. it ridiculous, of course they are not going to pay insurance if its this expensive.

R

[Skibum346]

you know why...


because its so ******* expensive. i dont blame them. im about to turn 21 and im paying £1300 to insure my land rover defender.
when i was 17 i was paying £2400 to insure my land rover defender. it ridiculous, of course they are not going to pay insurance if its this expensive.

R

Sorry mate... you're well off target with this one...

I shouldn't blame them if they hit another car... who pays..?
I shouldn't blame them if they hit a person... who pays..?
I shouldn't blame them if they embed they're vehicle in a house... demolishing the corner supporting structures... requiring a full demolish/rebuild... who pays?

Insurance aint an option, driving aint a right... if they aint insured... they shouldn't be driving... end of.

Most of the older driver on here (me included... :oops:) have in the past had to pay huge insurance premiums... we got on with it... or... in my case... took the bus/train etc!

Course... hopefully... we will start to see a fall in the whole un-insured/untaxed/un-MOT'd vehicles with the advent of the wonderful ANPR systems used on police vehicles. Course... the crowd that avoid getting the appropriate certificates... tend not to be the brightest bulbs in the chandelier....!

Skibum

[V8MoneyPit]

If the cost of motoring cannot be afforded, it is no excuse to do it illegally at the expense of others.  Driving is not a right, it's a privilege.

Don't get me wrong, I too think motor insurance for young drivers has got to crazy levels. But I couldn't believe my ears when the young chap, this morning, was saying he couldn't afford insurance, so he just drove without it  :shock:

[Disco Matt]

When I turned 17 I had a quote for £4k on an L reg Citroen ZX 1.9D...

The appalling part is that the fine for driving without insurance is often lower than the premium. It's as bad as jobs where people would be financially better off claiming benefits (but won't as they want to work). Not much of an incentive to those who want to do it by the rules.

[V8MoneyPit]

The numbers are interesting. When I passed my test way back in the dark ages  :roll: :lol:, I seem to remember paying someting like £400 a year to insure an MG Midget. I'm sure if a 17 year old tried to insure a modern equivalent, say a Mazda MX5, the insurance company would just laugh..... or rub their hands together with glee.

Have the driving standards of young people dropped? Or is it just the insurance companies cashing in?

[wvanman]

Back in 1987 when i passed my test   my dad gave me his motor........ a Morris Marina   (dont laugh    )               he put me as a named driver and it was great       but in 1989   i brought my first car    a Rover Montego GTI   cost me £1400 a year to insure    ouch i thought    but it had to be done now im older and  wiser (and with a clean driving licience)   my premiums   are very low            so   youngsters learn from this       its a privillage to drive       SO PAY UP    and be legal      and one day     you will    say to your selves      im glad my premiums aint what they used to be

[Skibum346]

The numbers are interesting. When I passed my test way back in the dark ages  :roll: :lol:, I seem to remember paying someting like £400 a year to insure an MG Midget. I'm sure if a 17 year old tried to insure a modern equivalent, say a Mazda MX5, the insurance company would just laugh..... or rub their hands together with glee.

Have the driving standards of young people dropped? Or is it just the insurance companies cashing in?

Course... £400 could buy you a whole lot more back in the dark ages than it does now. I've no doubt insurance companies are cashing in... but then again... all you have to do is look at the statistics to see that the majority of accidents involve new or young drivers.

Either way... it doesn't excuse those who choose to drive without insurance.

[dxmedia]

When I was 17 I couldn't afford the insurance on a landrover

I couldn't afford it on a renault turbo an escort GTi or a whole host of other cars which would have been fun.

I could afford it on a 998cc mini though at £400 a year third party fire and theft.

IF YOU CAN'T AFFORD TO DRIVE - DON'T !

Maybe you need to be more realistic about the type of vehicle you drive.  If you want to drive a 4x4, how about a little sj?

[V8MoneyPit]

......and one day     you will    say to your selves      im glad my premiums aint what they used to be

Eee, when I were a lad......  :lol: Them were the days, eh?!

[mike142sl]

The insurance companies are cashing in, there was a day when being a named driver counted towards no claim discount - not now. Why - because the insurance companies can earn more.

[wvanman]

The Good old days      yeh        lol

[J.D.]

you know why...


because its so ******* expensive. i dont blame them. im about to turn 21 and im paying £1300 to insure my land rover defender.
when i was 17 i was paying £2400 to insure my land rover defender. it ridiculous, of course they are not going to pay insurance if its this expensive.

R

Rob, who the hell are you insured with? ASBO (totally modified and an insurance companies nightmare) was only £800 TPF+T for me (21, 3 points and a crash behind me at the time). I have trade insurance now, which is a lot easier with the amount of vehicles I drive., which costs me £700 a year and i can drive pretty much anything as long as I have the right tickets.

If you have insured it fully comp, don't bother, as you will only have to break a headlight and the insurance will write it off, and you would repair it yourself anyway.

Even my missus, (*22, only passed her test 8 months ago) is insured on Poppy for £1,000 a year fully comp, with no no claims.

[Llanigraham]

Having been hit by an uninsured driver in the past, I have no sympathy what-so-ever. As has been said driving is an earned priviledge and not a right, but so many young people seem to think they have a God given right to do it.

Yes, prices are high, but they have always been for inexperienced drivers. Just now it shows even more. Insurance actuaries look at the risks and there is enough proof that a huge number of claims are made by the young and inexperienced. Therefore they pay more.

The fact that the fine is often less than the cost of the insurance is now being recognised. The Police are impounding and destroying cars more often, Courts are impossing further punishment and making people take an extended test, plus insurance premiums later are increased.

[Drift]

My first car aged 18 in 1983 cost £500 and cost £75 to insure and that was in Liverpool.

The companies are their own worse enemies regarding young and in some cases older premiums and as said there is no real incentive to comply

I don't condone the uninsured far from it.

[dxmedia]

My first car aged 18 in 1983 cost £500 and cost £75 to insure and that was in Liverpool.

The companies are their own worse enemies regarding young and in some cases older premiums and as said there is no real incentive to comply

I don't condone the uninsured far from it.

Working out the comulative interest on that it would mean that running at 5% inflation (which is a low figure due to the thatcher fulled run in the 80's and the major cockup in the 90's) that £75 in real money is about £280 now.

I presume that a £500 motor was a cheap car to 'get you going?'

Doesn't sound like the insurance companies are taking the [throw it] that much really.

If inflation averages out at 7% over that period then it would be about £460 in real money. Can't be jiggered working out the mean average base rate of inflation for the past 25 years though.

[freeagent]

The cost of insurance is ridiculous, but as the others have said, if you can't afford it, don't drive.

the penalties for getting caught need to be higher, as it stands its usually cheaper for them to take the risk, and get caught, than it is to pay for insurance.

I bet the numbers of uninsured Yoofs would drop if they were made to do community service in pink overalls, every weekend for 3 years after being convicted??

...which i also believe should be the penalty for using a phone while driving, which most of the population still do...

[V8MoneyPit]

...which i also believe should be the penalty for using a phone while driving, which most of the population still do...

I think 'many' of the population might have been a better phrase, but sometimes it seems like 'most'  :roll:

[dxmedia]

...which i also believe should be the penalty for using a phone while driving, which most of the population still do...

Of the opion myself that if you can't hold a conversation whilst driving, then you shouldn't be driving.

[Drift]

My first car aged 18 in 1983 cost £500 and cost £75 to insure and that was in Liverpool.

The companies are their own worse enemies regarding young and in some cases older premiums and as said there is no real incentive to comply

I don't condone the uninsured far from it.

Working out the comulative interest on that it would mean that running at 5% inflation (which is a low figure due to the thatcher fulled run in the 80's and the major cockup in the 90's) that £75 in real money is about £280 now.

I presume that a £500 motor was a cheap car to 'get you going?'

Doesn't sound like the insurance companies are taking the [throw it] that much really.

If inflation averages out at 7% over that period then it would be about £460 in real money. Can't be jiggered working out the mean average base rate of inflation for the past 25 years though.

Point being as insurance is and was always inherently high in Liverpool what ever car you had, thats a good screw and if the rates where similar today it would be an even better screw

[V8MoneyPit]

...which i also believe should be the penalty for using a phone while driving, which most of the population still do...

Of the opion myself that if you can't hold a conversation whilst driving, then you shouldn't be driving.

Surely it's not holding a conversation that's the problem, it's holding the phone!

[hairyasswelder]

because its so ******* expensive. i dont blame them

AND WE ALL PAY A PREMIUM ON OUR INSURANCE BECAUSE OF THIS do you blame them now ???

We have all been young and paid the prices ..... is it the insurance companies or the accident statistics of young/inexperienced drivers?? If you want cheaper insurance drive a smaller car...  :-.

Watching police on telly last night they now take your car and give you a £200 fixed penalty and 6 points, you can collect your car when you prove  it is insured...... for a fee  :clap: :clap: :clap: :clap: :clap:

Not paying is a gamble.... you may get away with it.... you may kill some innocent child/motorist/pedestrian, and you may just get a fine...

Just as an aside from not paying, I had a small bump in the van in November.... the bill was over £8000 without solicitors fees @ £219 per hour (none fault)

[Yoshi]

The problem is that alot of young drivers do drive like tools these days.

Its the chav culture!!

I think we should have the same system that they have in the states, where you buy your registration every year, or every other year or however long it is, and it comes with third party insurance built in, so if you have a crash the other persons car is sorted, and vice versa!!

[TDi90]

you know why...


because its so ******* expensive. i dont blame them. im about to turn 21 and im paying £1300 to insure my land rover defender.
when i was 17 i was paying £2400 to insure my land rover defender. it ridiculous, of course they are not going to pay insurance if its this expensive.

R

Sorry mate... you're well off target with this one...

I shouldn't blame them if they hit another car... who pays..?
I shouldn't blame them if they hit a person... who pays..?
I shouldn't blame them if they embed they're vehicle in a house... demolishing the corner supporting structures... requiring a full demolish/rebuild... who pays?

Insurance aint an option, driving aint a right... if they aint insured... they shouldn't be driving... end of.

Most of the older driver on here (me included... :oops:) have in the past had to pay huge insurance premiums... we got on with it... or... in my case... took the bus/train etc!

Course... hopefully... we will start to see a fall in the whole un-insured/untaxed/un-MOT'd vehicles with the advent of the wonderful ANPR systems used on police vehicles. Course... the crowd that avoid getting the appropriate certificates... tend not to be the brightest bulbs in the chandelier....!

Skibum

oh no, i quite agree with what your saying 100%.

but they cant wonder why so many young people are uninsured its obvious!! it doesnt make it right, but surely the cost of it is where the problem lies?

[TDi90]

i really did open a can of worms diddnt i  :-#

should have kept my mouth shut! - i dont think im like'd  8-[

to JD - NFU FULLY COMP inc:

Roll Cage
sus. lift,
Non Standard engine,
non standard bodywork
winch
winch bumper
oversize tyres

20 yrs old!!  :shock:

[dxmedia]

The problem is that alot of young drivers do drive like tools these days.

Its the chav culture!

 :lol: :lol:

Rubbish.

I don't know anyone who didn't drive like an idiot when they were a lad. Be it power sliding mini's round roundabouts, thrashing montagoes, rolling across fields after cooking corners or trying to wind that 1.3 micra upto a ton on a motorway.

Nothing to do with chavs, if anything modern cars are far safer, and the amount ofcrap which they weight down the little corsa's with that little 1.0 lump dragging 1/2 a tonne of plastic and chrome isn't going to do much with increasing the top speed. The braker better, wider low profile tyres are more common. A lot of little chav mobiles handle like they are on rails. That's not something you can say about an austin allegro or a metro on hydroelastic suspension.

What it sounds more like is rose tinted specs of 'when I were a lad...'

Oh in victorian times, guess what, there was still problems with knife crime, people nicking stuff and arson.

[hairyasswelder]

i really did open a can of worms diddnt i  :-#

should have kept my mouth shut! - i dont think im like'd  8-[

Nothing personal  ;) ;)

but if everyone 'kept their mouth shut' all the problems in this world would all be swept under the carpet and ignored,

Well done for getting people thinking, maybe if feelings are this strong something could be done?? Even if it is just one person reporting an uninsured vehicle  ;)

[V8MoneyPit]

I don't know anyone who didn't drive like a tit when they were a lad. Be it power sliding mini's round roundabouts, thrashing montagoes, rolling across fields after cooking corners or trying to wind that 1.3 micra upto a ton on a motorway.

Must be the people you mixed with mate!  ;)

Nothing to do with chavs, if anything modern cars are far safer, and the amount ofcrap which they weight down the little corsa's with that little 1.0 lump dragging 1/2 a tonne of plastic and chrome isn't going to do much with increasing the top speed. The braker better, wider low profile tyres are more common. A lot of little chav mobiles handle like they are on rails. That's not something you can say about an austin allegro or a metro on hydroelastic suspension.

Can't say I entirely agree, although I fully understand your logic. The fact that cars are quicker these days (old geezer speak!) means they can get into more trouble at higher speeds, so the damage done is far greater when it does all go pear shaped.
A 1000cc Mini is flat out at 80mph, I don't care what anyone claims at the bar! As it happens, I have been dealing with Mini's for many years professionally. A 1000cc Corsa is surely capable of more than that top speed? Although I stand to be corrected about the Corsa  :D
The fact is that the Corsa produces far more power than the Mini. This alone allows people to get themselves into difficulties easier when they are inexperienced.

As for rose tinted glasses..... you may well be right. That is why I posed the question "are driving standard actually poorer now, or is it just insurance companies cashing in?"

[discowoman]

Anyone remember when The cossies and RS turbos were being nicked - I had a quote on a £5000 car (rs Turbo) and the quote was £25,000 :shock:
I curently pay just over £300 for my transit, fully comp - protected no claims etc.
As stated before If you can afford it - dont buy it...Thet hjave regular clamp downs around here - and it great fun watching the police impound a car for no tax/insurance -then hearing the scrote complain about payiong the fine - only for the coppers to say " so you can t afford tax/insurance -BUT you can afford Alloys/Stereo and fuel??" great fun - especially when they sign the car over then ask about geting 'their ' alloys/stereo out of it  :clap:

[Lord Shagg-Pyle]

Insurance.Pay it or we cube the car, and give you a nice piece of paper with £200 fine on it and six points.

As for younger people being bad drivers, some are. But the older generations are just as bad. It is said that with age comes experience. Arrogance more like.

[CHIPFAT]

im of the opinion that if the gov say we need Insurance, then why dont they provide it?
instead we have to buy it from another profit making company who can only see ££££££££££
instead why not just have all new/young drivers restricted to engine size for the first year for a fixed cost?