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I am 20 and male with a 10 month old driving license. Unfortunately this puts me in the same category as a raging drunk drug addict who crashes every 5 seconds when it comes to car insurance premiums. Why? Because some people of my age group insist on raging around town like its part of a rally course, big tyres, big exhaust, a deafening stereo accompanied by a screeching engine. This sort of car does not make you cool, it makes you look like an idiot.
I drive a small old 1.1 litre car and my annual car insurance as a named driver comes to nearly £700, which is quite frankly ridiculous for the kind of car I'm driving. I don't treat UK roads like a race track because I know better and I have too much to risk.
I am now having to upgrade my car to a pick-up truck as my business involves moving large objects and its more fuel efficient than a van. However this means my engine will soon be a 2.5i turbo diesel. It accelerates slower than my old car, is about as fast as my old car and yet is safer to drive (I have a better range of vision and am more likely to be seen plus you can actually get spares for this car).
Insurance - at least give us young drivers a chance to prove that we are responsible...
The problem I have is that I can only get commercial car insurance whether I wanted it or not and it comes to over £2500!!! Put it in my mums name the same insurance quote comes to £500. I understand she has more experience but isn't there some way of differentiating between us few young sane drivers and those irresponsible young drivers who think its the Vauxhall Corsa F1? Not all young drivers are like that.
I just want a reasonable insurance premium the first time round. If I were then to have an accident and a claim be made against me then fair enough, hike up my car insurance, but at least give us young drivers a chance to prove that we are responsible. With hefty insurance premiums like this I can now see why driving with no insurance is appealing to some young drivers. I could get caught numerous times and still not reach the £2000 mark!
Why do a few people ruin things for others?