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insurance rip off
TDi90:
welcome to my world.
try insuring a modified LR 90, with no standard: engine, panels, wheels, tyres, suspension and roll cage.
and being 20 yrs old
:'( :'(
it kills me every month when they rob my bank account :evil:
robert francis:
the reason it goes up so much when he passes is because he hasnt got an adult next to him to supervise him,
thats what i got told when my insurance doubled whn i was learning to drive,,
Gordo:
There's no substitute for shopping around - try the comparison web site, the direct only ins cos like Direct Line, and the specalist insurers like Adrian Flux.
Unfortunately insurance for young drivers is always horrendous regardless of how good a driver they are. When I was 18, even my advance driving qualifications didn't make any difference to the premium.
Good luck.
Disco Matt:
One place quoted £4k for me aged 17 in a 1.9D Citroen ZX. It wasn't quick, or skittish, or a car popular with that section of society fond of letting their trousers almost fall down. It just had an engine instead of a rubber band! :lol:
I get the distinct impression that some insurers give quotes like that when they simply don't want the business in the hope that you'll either go away or make it worth their while to insure you.
Bizarre insurance tale: My brother runs a 1988 Toyota MR2. His insurance with no prior no claims aged 21/22 was about £800, with the rest of us as named drivers and non-standard alloys declared. This on a 1.6l two seater mid engined sportscar!
Gordo:
--- Quote from: Disco Matt on May 07, 2009, 12:49:54 ---I get the distinct impression that some insurers give quotes like that when they simply don't want the business in the hope that you'll either go away or make it worth their while to insure you.
--- End quote ---
Ding! Spot on.
Insurers have their "ideal risk", which will be their starting point: The further you deviate from that then the higher your premium.
So if an insurer's ideal risk is a 31 year old married male with a Ford Mondeo LX, garaged, in a low-risk area - and that's you - you'll get a good deal, while a 17 year old, single male, with a modified Vauxhall Corsa, parked on the public road, in an area where there is a lot of vehicle crime err... won't.
--- Quote ---Bizarre insurance tale: My brother runs a 1988 Toyota MR2. His insurance with no prior no claims aged 21/22 was about £800, with the rest of us as named drivers and non-standard alloys declared. This on a 1.6l two seater mid engined sportscar!
--- End quote ---
That kind of situation is quite common. My mate's fiancée past her bike test recently and the insurance was pricey - but went down when he added himself to her policy. I assume it's because an experienced driver (rider) will be at the controls for at least some of the time and therefore the risk is reduced.
At the end of the day, it's all about statistical risk.
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