Insurance for Young'uns

[Frosticles]

eldest son Mitchell had a accident last wednesday, car skidded across the road and ripped the whole axle out from his large farm tractor, woman admitted everything etc, had a letter from her insurance company saying this etc and offering whip lash compensation and basically encouraging him to claim, gob smacked tbh

Hope he was ok.

[flyingpilot]

If you were an insurance company would you insure a 17 year old boy racer? Yes they do race and cause a lot of damage.
We got my son a classic 850 1977 Mini, 1st year insurance £1200, he's now 20 and has a New Mini Cooper S but has a full 3 years no claim in his own name, renewal this year, £1200 fully comp, which I think is good.

[alancdavis]

More worrying is the sheer amount of knackers in inner cities nowadays. Bet only a small percentage are actually insured. When I lived in Nottingham, There was a house full of asylum seekers running a fleet of knackered Renault Laguna's. Not one of them was insured or taxed. I had them removed.

Thats what needs to be done more often

[maru_uk]

It really is outrageous. Can't help feeling for them. A very common theme these days with some of them these days is that they pay the deposit, get the insurance certificate in order to get the Tax Disc. Once done so, they cancel the direct debit as they cannot afford it. Sadly technology these days catches them out and therefore end up with 6 points making them virtually uninsurable. The punishment makes it worthy of a gamble, but the points are the sting in the tail. Must be difficult for the youngsters these days

What do you mean by "Sadly technology these days catches them out and therefore end up with 6 points making them virtually uninsurable. The punishment makes it worthy of a gamble, but the points are the sting in the tail." Would love to see your reaction when some uninsured driver of whatever age, sex or race writes your car off. You sound almost like you would forgive them..........

[Aled]

What do you mean by "Sadly technology these days catches them out and therefore end up with 6 points making them virtually uninsurable. The punishment makes it worthy of a gamble, but the points are the sting in the tail."

No way at all am I suggesting that drivers drive uninsured .....perhaps my point did not come across very well My point was that the £200 fine they get for not having insurance is tempting to the individual as opposed to the thousands required to insure a car.

Due to the ANPR technology around these days, reading number plates, the sting in the tail for them are the 6 points when they are caught, as they will last for 3 years, not the £200 fine

Would love to see your reaction when some uninsured driver of whatever age, sex or race writes your car off. You sound almost like you would forgive them..........

Just to clarify......I am not on the uninsured drivers side

[driverace]

No insurance

And once they get 6 points it back to square 1, because they then go back to a provisional licence,have to do the Theory test again,AND take the practical test again.Then have a big problem getting insured.In my opinion there are too many who pass their test,then spend lots of money lowering,their cars,putting all sorts of mods on,go to cruises,drive without seat belts,and have a total disregard for the law.I really try to stress the importance of good safe continued driving behavour once my learners pass their test,and with a pass rate 40 per cent above the national average,I work hard at it,back most learners are always looking for the Cheap option,where as they are learning a skill for life !!!

[maru_uk]

No way at all am I suggesting that drivers drive uninsured .....perhaps my point did not come across very well My point was that the £200 fine they get for not having insurance is tempting to the individual as opposed to the thousands required to insure a car.

Due to the ANPR technology around these days, reading number plates, the sting in the tail for them are the 6 points when they are caught, as they will last for 3 years, not the £200 fine




Just to clarify......I am not on the uninsured drivers side

Sorry I read it wrong. It was late when I was reading so please forgive me

[Frosticles]

ue to the ANPR technology around these days, reading number plates, the sting in the tail for them are the 6 points when they are caught, as they will last for 3 years, not the £200 fine

Sumbags and Pikeys and asylum seekers just usually ignore this as they will quite happily still drive with 12 points or no licence at all
They should have their hands cut off so the can't drive any more!

[maru_uk]

Sumbags and Pikeys and asylum seekers just usually ignore this as they will quite happily still drive with 12 points or no licence at all
They should have their hands cut off so the can't drive any more!

Thing is with the gyppos of the world is where exactly do they have their licences, insurance and vehicle details registered? As they move around so much they technically are of no fixed abode so no one can trace them so why bother with all the nonsence such as insurance, road tax ertc?

As said above chop their friggin hands off. No worrie then about them driving and it also won't be too easy to pinch lead of church roofs either

[ebj60t]

38 years ago , a years insurance for me on an 1100 Mk1 Escort was 6 times my weekly wage!!!

[sutty234]

my son is 15 and i`ve told him to start saving his paper money now for his car insurance! the thing is if i get him a cheap scooter for his 16th and he manages to keep a clean nose (which he will or i`ll break it) will his no claims bonus earned on his scooter count towards his car insurance?

[driverace]

Insurance

Would say it should,my son in law is a insurance broker,and will know.As regards gypsys and travellers,the ones I know,and that's quite a few,non of them can read,SO they could never pass a theory test,even if they had a reader,which they are allowed to have.So if they cannot pass the theory test,they can never take a practical test.I have had them ask me if they,can bribe someone to pass them,there have been a few Asian people jailed recently for impersonating other Asians,in both theory and practical tests in the south of England.

[1488ID]

my son is 15 and i`ve told him to start saving his paper money now for his car insurance! the thing is if i get him a cheap scooter for his 16th and he manages to keep a clean nose (which he will or i`ll break it) will his no claims bonus earned on his scooter count towards his car insurance?

I wouldn't say so

[flyingpilot]

will his no claims bonus earned on his scooter count towards his car insurance?[/quote]

It didn't when my son had his 4 years ago, he couldn't even get an online car quote before he was actually 17 as it didn't recognize him having a licence .

[1488ID]

will his no claims bonus earned on his scooter count towards his car insurance?

It didn't when my son had his 4 years ago, he couldn't even get an online car quote before he was actually 17 as it didn't recognize him having a licence .[/quote]
Well ya do have to lie and say hes 17 to get a quote?