UK Car insurance - Page 2 - DiscussWorldIssues - Socio-Economic Religion and Political Uncensored Debate

**gtyruzzel** · 01-22-2007, 04:40 AM

I'd blame all them fookin' chavs on the road.

Them and their shitty kitted out over-the-top novas, corsas and saxos (not including Kyros')

I was driving through Nottingham last week and 2 saxos, 2 corsas all full with them stupid boy racers racing down a hill during traffic. [cursing]

**paulaglober** · 01-22-2007, 04:43 AM

Yes... earning no claims as a pose to "NOT earning no claims.." sounds weird doesnt it? lol. but i was just showing that for that ridiculous price i could have my own car, which id rather wait and do.

My dads insurance is something like 300 on as it stands now... thats not awful at all, pretty cheap if you ask me. Only when hes adding me it shoots up by 2 grand!

Well, thats just ridiculous. Young people currently cant afford much more than that anyway! Due to the fact that insurance premiums put them off. Making it applicable by law that it is totally dissalowed is just, well.. pointless. People who really want big engined, fast cars and willing to pay the insurance should be allowed to. If there good ..sensible and safe drivers, i mean.. why not? but if there stupid, boy racers who take stupid risks and crash... well thats another matter. They shouldnt be on the road at all.

how do you decide who is a racer and who is not when both have passed their test? Stopping kids and new drivers from driving fast cars would reduce potential claims, and the insurance would be cheaper.

Just because you have the money to pay for a crazy car, does not make you capable of controlling or driving the car / bike properly. You obviously have no idea what you are talking about, sorry.

I see no reason to be added to your dad's insurance. He will not be better at teaching than a qualified instructor, and the car will be most likely be way more powerful and harder to control than the one you learn in from your lessons.

I insure people to ride their bikes on the day of the test, but if they fail then the insurance gets cancelled. Learning to drive in a car you have bought with a qualified instructor is perfectly acceptable.

**Clilmence** · 01-22-2007, 04:58 AM

how do you decide who is a racer and who is not when both have passed their test? Stopping kids and new drivers from driving fast cars would reduce potential claims, and the insurance would be cheaper.

Well, why dont we just make the speed limit 30 everywhere to lessen the chances of people having car crashes? This is a ridiculous idea. Why just stop kids? Stop EVERYONE from driving fast. hence no accidence? this follows the same logic? ridiculous!

Just because you have the money to pay for a crazy car, does not make you capable of controlling or driving the car / bike properly.

Hmm i never actually said that. And you dont think people with 1.2's can still be stupid and cause accidents? Someone i know took there 1.2 corsa to 125 mph, and overtakes at everypossibility, ive even witnessed them have near accidents.

I see no reason to be added to your dad's insurance. He will not be better at teaching than a qualified instructor, and the car will be most likely be way more powerful and harder to control than the one you learn in from your lessons.

Im ready for my test. The lessons I have with my driving instructor are no different to me driving on my own at the moment! he just says turn left, right 3pointturn etc etc. All i pay him 20 quid an hour for is renting his car basically. The option im thinking of is cheaper. The car is not "too powerful". Its a 1800cc that ways about 1.6tonnes. and has about 120bhp. Its 0-60 is about 1 sec quicker than the 1.2 corsa. For driving around town... i doubt it will be too powerful for me to 'lose control'.

Anyway. This is totally irrelevant to my original post, i only wanted to know some information about insurance in the uk, and if what i wanted is possible... as ive heard people say it is. I didnt want a discussion or criticism!

**AlabamaBoyz** · 01-22-2007, 05:35 AM

I see no reason to be added to your dad's insurance. He will not be better at teaching than a qualified instructor, and the car will be most likely be way more powerful and harder to control than the one you learn in from your lessons.

Probably not when I was learning with my stepdad. Although my instructor was good at his job, I personally thought my stepdad, who is an ex-police officer with alot of driving experiences, helped me considerably when learning to drive. He always paced me through new roads & roundabouts where my instructor would be consistent on pacing me through the same area over and over. It helps alot to be paced through new situations including the difficult ones such as very busy roundabouts. Even though i've now passed my driving test (coming up towards 1 year soon), I still decide to drive responsibly.

**Clilmence** · 01-22-2007, 05:37 AM

where my instructor would be consistent on pacing me through the same area over and over.

Exactly. And on my first test, i was taken to somewhere i had never even been before! i didnt know the area at all...

**Thorwaywhobia** · 01-22-2007, 08:21 AM

Someone i know took there 1.2 corsa to 125 mph

Am I the only one that spotted this?

A very large hill and a gale involved? Otherwise I can't see a 1.2 Corsa going 125MPH

**paulaglober** · 01-22-2007, 08:45 AM

Am I the only one that spotted this?

A very large hill and a gale involved? Otherwise I can't see a 1.2 Corsa going 125MPH

No, I saw it but he was not listening so pointless discussing.

**gtyruzzel** · 01-22-2007, 08:47 AM

Am I the only one that spotted this?

A very large hill and a gale involved? Otherwise I can't see a 1.2 Corsa going 125MPH

My friend's SXi tops out at like 110.

**AlabamaBoyz** · 01-22-2007, 09:00 AM

Well interestingly, I decided to look at MoreThan car insurance (couldn't get a quote until I was 18). With just the bare minimum of third party, my quote is £1210 at the new house were moving to (which is more expensive).

That's £450 cheaper than the closest insurance quote i've got so far which was from Churchill.

Well since my car has been involved in one little bump from behind (getting repaired on Tuesday), I don't think it would be worth repairing if it was involved in another accident. Not that I want to part with my car, but I somewhat don't think it'll be worth paying the extra 400 quid in the long run.

**Clilmence** · 01-22-2007, 09:00 AM

It was probly hes speedo reading innacurately then? Its a fairly new car.. and hes got stock rims etc so what do you think could give the wrong reading?

**Clilmence** · 01-22-2007, 09:07 AM

Try endsleigh / quinn direct to... if your young. They seemed to always give me the best 3rd party quotes.

**gtyruzzel** · 01-22-2007, 09:18 AM

It was probly hes speedo reading innacurately then? Its a fairly new car.. and hes got stock rims etc so what do you think could give the wrong reading?

If they're stock rims I don't think the speedo will be off.

Unless you guys were going down hill, even then it'd have to be a pretty long down hill.

**gtyruzzel** · 01-22-2007, 09:23 AM

ahahaha I got a quote from morethan for £2600.

**** paying for that. Cheap my f'in ass.

**Clilmence** · 01-22-2007, 09:27 AM

lol, nar it wasnt downhill.. a really wrong road. m10 if any of you know it...

flat, downhill to start, but not really much...

**AlabamaBoyz** · 01-22-2007, 09:31 AM

ahahaha I got a quote from morethan for £2600.

**** paying for that. Cheap my f'in ass.

Is that just Third Party? Anyway £1200 is the cheapest for me so far. It feels tempting to go ahead and start building the no claims bonus at this kind of price.

Is it me or does it seem rather pointless to go fully comp due to all the excess charges at my age?

I guess the only bad point is if you cause an accident - by which you're screwed and left with no car.

**gtyruzzel** · 01-22-2007, 09:33 AM

Is that just Third Party? Anyway £1200 is the cheapest for me so far. It feels tempting to go ahead and start building the no claims bonus.

Is it me or does it seem rather pointless to go fully comp due to all the excess charges at my age? I guess the only bad point is if you cause an accident - by which you're screwed and left with no car.

Nah fully comp.

Only because my car is worth £6-7000 (bought at £8000)

**AlabamaBoyz** · 01-22-2007, 09:47 AM

Nah fully comp.

Only because my car is worth £6-7000 (bought at £8000)

Yeah, seems alot more reasonable to go fully comp with a newer car.

Would it be worth going just third party for £1210? When I enable comprehensive, it goes up by £400 and then you're greeted with all these excesses you have to pay in an event of an accident. I know if the accident is my fault i'm screwed, but for a car worth around a grand, I don't somewhat think it's worth it.

**propolo** · 01-22-2007, 10:26 AM

Someone i know took there 1.2 corsa to 125 mph,

ROFL!

Not unless it has ITB's or forced induction!

**Thorwaywhobia** · 01-22-2007, 06:50 PM

Try endsleigh / quinn direct to... if your young. They seemed to always give me the best 3rd party quotes.

Endsleigh have been the best for me for 2 years now by far. Fully comp as well.

**Avaboormavoro** · 01-22-2007, 07:26 PM

Yeah, seems alot more reasonable to go fully comp with a newer car.

Would it be worth going just third party for £1210? When I enable comprehensive, it goes up by £400 and then you're greeted with all these excesses you have to pay in an event of an accident. I know if the accident is my fault i'm screwed, but for a car worth around a grand, I don't somewhat think it's worth it.

No way worth paying for fully comp unless car is worth £3000 +++

Im currently driving a pug 306 1.4L which i purchased over a year ago, at that time i was 18 and had already been driving a year anyway, my first years insurance cheapest i could find after months of looking for £1500 TPFT

this year with just one years no claims that dropped too £700

not bad just over 50% off my car insurance for 1yrs no claims....

Im now with quinn, they accept pass plus and various other things driving down prices a bit.

My cars worth about £1500 ? bought it for £900

01-22-2007, 04:40 AM	#21
gtyruzzel Join Date Oct 2005 Posts 430 Senior Member	I'd blame all them fookin' chavs on the road. Them and their shitty kitted out over-the-top novas, corsas and saxos (not including Kyros') I was driving through Nottingham last week and 2 saxos, 2 corsas all full with them stupid boy racers racing down a hill during traffic. [cursing] Share Share this post on Digg Del.icio.us Technorati Twitter
	Quote

01-22-2007, 04:43 AM	#22
paulaglober Join Date Oct 2005 Posts 357 Senior Member	Yes... earning no claims as a pose to "NOT earning no claims.." sounds weird doesnt it? lol. but i was just showing that for that ridiculous price i could have my own car, which id rather wait and do. My dads insurance is something like 300 on as it stands now... thats not awful at all, pretty cheap if you ask me. Only when hes adding me it shoots up by 2 grand! Well, thats just ridiculous. Young people currently cant afford much more than that anyway! Due to the fact that insurance premiums put them off. Making it applicable by law that it is totally dissalowed is just, well.. pointless. People who really want big engined, fast cars and willing to pay the insurance should be allowed to. If there good ..sensible and safe drivers, i mean.. why not? but if there stupid, boy racers who take stupid risks and crash... well thats another matter. They shouldnt be on the road at all. how do you decide who is a racer and who is not when both have passed their test? Stopping kids and new drivers from driving fast cars would reduce potential claims, and the insurance would be cheaper. Just because you have the money to pay for a crazy car, does not make you capable of controlling or driving the car / bike properly. You obviously have no idea what you are talking about, sorry. I see no reason to be added to your dad's insurance. He will not be better at teaching than a qualified instructor, and the car will be most likely be way more powerful and harder to control than the one you learn in from your lessons. I insure people to ride their bikes on the day of the test, but if they fail then the insurance gets cancelled. Learning to drive in a car you have bought with a qualified instructor is perfectly acceptable. Share Share this post on Digg Del.icio.us Technorati Twitter
	Quote

01-22-2007, 04:58 AM	#23
Clilmence Join Date Nov 2005 Posts 421 Senior Member	how do you decide who is a racer and who is not when both have passed their test? Stopping kids and new drivers from driving fast cars would reduce potential claims, and the insurance would be cheaper. Well, why dont we just make the speed limit 30 everywhere to lessen the chances of people having car crashes? This is a ridiculous idea. Why just stop kids? Stop EVERYONE from driving fast. hence no accidence? this follows the same logic? ridiculous! Just because you have the money to pay for a crazy car, does not make you capable of controlling or driving the car / bike properly. Hmm i never actually said that. And you dont think people with 1.2's can still be stupid and cause accidents? Someone i know took there 1.2 corsa to 125 mph, and overtakes at everypossibility, ive even witnessed them have near accidents. I see no reason to be added to your dad's insurance. He will not be better at teaching than a qualified instructor, and the car will be most likely be way more powerful and harder to control than the one you learn in from your lessons. Im ready for my test. The lessons I have with my driving instructor are no different to me driving on my own at the moment! he just says turn left, right 3pointturn etc etc. All i pay him 20 quid an hour for is renting his car basically. The option im thinking of is cheaper. The car is not "too powerful". Its a 1800cc that ways about 1.6tonnes. and has about 120bhp. Its 0-60 is about 1 sec quicker than the 1.2 corsa. For driving around town... i doubt it will be too powerful for me to 'lose control'. Anyway. This is totally irrelevant to my original post, i only wanted to know some information about insurance in the uk, and if what i wanted is possible... as ive heard people say it is. I didnt want a discussion or criticism! Share Share this post on Digg Del.icio.us Technorati Twitter
	Quote

01-22-2007, 05:35 AM	#24
AlabamaBoyz Join Date Oct 2005 Posts 622 Senior Member	I see no reason to be added to your dad's insurance. He will not be better at teaching than a qualified instructor, and the car will be most likely be way more powerful and harder to control than the one you learn in from your lessons. Probably not when I was learning with my stepdad. Although my instructor was good at his job, I personally thought my stepdad, who is an ex-police officer with alot of driving experiences, helped me considerably when learning to drive. He always paced me through new roads & roundabouts where my instructor would be consistent on pacing me through the same area over and over. It helps alot to be paced through new situations including the difficult ones such as very busy roundabouts. Even though i've now passed my driving test (coming up towards 1 year soon), I still decide to drive responsibly. Share Share this post on Digg Del.icio.us Technorati Twitter
	Quote

01-22-2007, 05:37 AM	#25
Clilmence Join Date Nov 2005 Posts 421 Senior Member	where my instructor would be consistent on pacing me through the same area over and over. Exactly. And on my first test, i was taken to somewhere i had never even been before! i didnt know the area at all... Share Share this post on Digg Del.icio.us Technorati Twitter
	Quote

01-22-2007, 08:21 AM	#26
Thorwaywhobia Join Date Oct 2005 Posts 493 Senior Member	Someone i know took there 1.2 corsa to 125 mph Am I the only one that spotted this? A very large hill and a gale involved? Otherwise I can't see a 1.2 Corsa going 125MPH Share Share this post on Digg Del.icio.us Technorati Twitter
	Quote

01-22-2007, 08:45 AM	#27
paulaglober Join Date Oct 2005 Posts 357 Senior Member	Am I the only one that spotted this? A very large hill and a gale involved? Otherwise I can't see a 1.2 Corsa going 125MPH No, I saw it but he was not listening so pointless discussing. Share Share this post on Digg Del.icio.us Technorati Twitter
	Quote

01-22-2007, 08:47 AM	#28
gtyruzzel Join Date Oct 2005 Posts 430 Senior Member	Am I the only one that spotted this? A very large hill and a gale involved? Otherwise I can't see a 1.2 Corsa going 125MPH My friend's SXi tops out at like 110. Share Share this post on Digg Del.icio.us Technorati Twitter
	Quote

01-22-2007, 09:00 AM	#29
AlabamaBoyz Join Date Oct 2005 Posts 622 Senior Member	Well interestingly, I decided to look at MoreThan car insurance (couldn't get a quote until I was 18). With just the bare minimum of third party, my quote is £1210 at the new house were moving to (which is more expensive). That's £450 cheaper than the closest insurance quote i've got so far which was from Churchill. Well since my car has been involved in one little bump from behind (getting repaired on Tuesday), I don't think it would be worth repairing if it was involved in another accident. Not that I want to part with my car, but I somewhat don't think it'll be worth paying the extra 400 quid in the long run. Share Share this post on Digg Del.icio.us Technorati Twitter
	Quote

01-22-2007, 09:07 AM	#31
Clilmence Join Date Nov 2005 Posts 421 Senior Member	Try endsleigh / quinn direct to... if your young. They seemed to always give me the best 3rd party quotes. Share Share this post on Digg Del.icio.us Technorati Twitter
	Quote

01-22-2007, 09:18 AM	#32
gtyruzzel Join Date Oct 2005 Posts 430 Senior Member	It was probly hes speedo reading innacurately then? Its a fairly new car.. and hes got stock rims etc so what do you think could give the wrong reading? If they're stock rims I don't think the speedo will be off. Unless you guys were going down hill, even then it'd have to be a pretty long down hill. Share Share this post on Digg Del.icio.us Technorati Twitter
	Quote

01-22-2007, 09:23 AM	#33
gtyruzzel Join Date Oct 2005 Posts 430 Senior Member	ahahaha I got a quote from morethan for £2600. **** paying for that. Cheap my f'in ass. Share Share this post on Digg Del.icio.us Technorati Twitter
	Quote

01-22-2007, 09:27 AM	#34
Clilmence Join Date Nov 2005 Posts 421 Senior Member	lol, nar it wasnt downhill.. a really wrong road. m10 if any of you know it... flat, downhill to start, but not really much... Share Share this post on Digg Del.icio.us Technorati Twitter
	Quote

01-22-2007, 09:31 AM	#35
AlabamaBoyz Join Date Oct 2005 Posts 622 Senior Member	ahahaha I got a quote from morethan for £2600. **** paying for that. Cheap my f'in ass. Is that just Third Party? Anyway £1200 is the cheapest for me so far. It feels tempting to go ahead and start building the no claims bonus at this kind of price. Is it me or does it seem rather pointless to go fully comp due to all the excess charges at my age? I guess the only bad point is if you cause an accident - by which you're screwed and left with no car. Share Share this post on Digg Del.icio.us Technorati Twitter
	Quote

01-22-2007, 09:33 AM	#36
gtyruzzel Join Date Oct 2005 Posts 430 Senior Member	Is that just Third Party? Anyway £1200 is the cheapest for me so far. It feels tempting to go ahead and start building the no claims bonus. Is it me or does it seem rather pointless to go fully comp due to all the excess charges at my age? I guess the only bad point is if you cause an accident - by which you're screwed and left with no car. Nah fully comp. Only because my car is worth £6-7000 (bought at £8000) Share Share this post on Digg Del.icio.us Technorati Twitter
	Quote

Currently Active Users Viewing This Thread: 1 (0 members and 1 guests)

01-22-2007, 09:47 AM	#37
AlabamaBoyz Join Date Oct 2005 Posts 622 Senior Member	Nah fully comp. Only because my car is worth £6-7000 (bought at £8000) Yeah, seems alot more reasonable to go fully comp with a newer car. Would it be worth going just third party for £1210? When I enable comprehensive, it goes up by £400 and then you're greeted with all these excesses you have to pay in an event of an accident. I know if the accident is my fault i'm screwed, but for a car worth around a grand, I don't somewhat think it's worth it. Share Share this post on Digg Del.icio.us Technorati Twitter
	Quote

01-22-2007, 10:26 AM	#38
propolo Join Date Oct 2005 Posts 480 Senior Member	Someone i know took there 1.2 corsa to 125 mph, ROFL! Not unless it has ITB's or forced induction! Share Share this post on Digg Del.icio.us Technorati Twitter
	Quote

01-22-2007, 06:50 PM	#39
Thorwaywhobia Join Date Oct 2005 Posts 493 Senior Member	Try endsleigh / quinn direct to... if your young. They seemed to always give me the best 3rd party quotes. Endsleigh have been the best for me for 2 years now by far. Fully comp as well. Share Share this post on Digg Del.icio.us Technorati Twitter
	Quote

01-22-2007, 07:26 PM	#40
Avaboormavoro Join Date Oct 2005 Posts 439 Senior Member	Yeah, seems alot more reasonable to go fully comp with a newer car. Would it be worth going just third party for £1210? When I enable comprehensive, it goes up by £400 and then you're greeted with all these excesses you have to pay in an event of an accident. I know if the accident is my fault i'm screwed, but for a car worth around a grand, I don't somewhat think it's worth it. No way worth paying for fully comp unless car is worth £3000 +++ Im currently driving a pug 306 1.4L which i purchased over a year ago, at that time i was 18 and had already been driving a year anyway, my first years insurance cheapest i could find after months of looking for £1500 TPFT this year with just one years no claims that dropped too £700 not bad just over 50% off my car insurance for 1yrs no claims.... Im now with quinn, they accept pass plus and various other things driving down prices a bit. My cars worth about £1500 ? bought it for £900 Share Share this post on Digg Del.icio.us Technorati Twitter
	Quote