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Car insurance for young drivers too expensive

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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).

Car insurance premiums for young drivers 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?


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Jethro

Jethro

PS, It's not the phone operators that answer your call, it's the greedy owners of insurance companies. The capitalist system of rich scum that makes our lives so difficult.
11/09 Jethro
1
Jethro

Jethro

Maybe not the heading I was looking for, but here goes. Churchill car insurance new quote £219.56, last year was £194.18. Phoned them to cancel, they dropped the quote to £192.00. Every car insurance company is pulling the same stunt, "We will treat you the same as prostitutes treat their punters. SHOP AROUND OR GET FLEECED.
11/09 Jethro
1
OAP

OAP

Why are so many car drivers speeding? Is it the pressure of modern day life styles? Trying to maintain a presumptuous life. No wonder that mental health issues are at epidemic levels in the UK. Young people are pushed by the financial establishment monster, earn more, spend more, borrow more. Nobody seems to be happy any longer, even children are hyper. Noboby can slow down and just enjoy life.
21/02 OAP
2
Jethro

Jethro

Man in 20s airlifted to hospital after car careers off road into ditch.

Police find this the cause of many young drivers crashes, Pizzed up, drugged up, speeding. For every one of these brain dreads that has this kind of car crash there's hundred's more to take their place.
07/01 Jethro
2
Jethro

Jethro

Once, I felt sorry for young drivers that killed themselves after driving too fast and crashing, but not now, young people have had all the warnings about speeding and the dangers of inexperience on our over crowded roads. Will they listen? No. So go right ahead, and condem your loved ones to a life of sorrow.
17/08/19 Jethro
6
mr speedy

mr speedy

it's stupid and the insurance companies are still losing out as we speak, it's because of crash for cash scams and they don't have the money to catch the people doing it because they've spent it all paying lawyers and medical bills for people with non existent whiplash so then they have to charge everyone else to be insured, and guess what, younger drivers are more dangerous because they try to do a clever move and crash, putting everyone else's premium up and shooting up younger driver premiums. Blame the government for letting the foreigners in who are primarily the ones operating cash for crash schemes [watch panaorama]. Oh, and just for info, I've been driving since I was 17, yes I drive faster than I should where it's safe, no I don't have a stupid exhaust and no I've never crashed because I know what I'm doing and I've been riding motorbikes since I was 16 so I know what to look out for before an accident happens. I just don't see why young male drivers crash so much, you all either have terrible car control, aren't looking ahead, or get pulled out on. And if you get pulled out on and you hit that person, you're going too fast, so it's still your fault.
02/12/12 mr speedy
-4
home made sausages

home made sausages

We all started somewhere! each year passes your insurance gets cheaper, you remember that & I don t think you can go wrong,
08/05/11 home made sausages
1
Bill

Bill

I know how you feel.
Im 17 i've just passed my test thinking yesss finally freedom, I looked at a quote or car insurance on my peugot 106 1.1L petrol 1200 pounds I thought yeah thats not too bad seeing as what other people are paying, BUT that quote was when I had a provisional licence, now im on a full the cheapest i've found now is 3200 pounds because i've been put into the "Most dangerous category of driving now i've passed" all because I have no experience well according to companies, and tbh I can't bloody afford it to get experience. It's daylight robbery.
02/04/11 Bill
-8
Alf Red

Alf Red

Driving a car is a privilege, not a right. People should look into the costs before buying a car, because it's no good buying something you cannot afford to run.
28/03/11 Alf Red
6
FB fiend

FB fiend

They should ask how many GCSE's you have to determine the type of character behind the wheel, or even an interview if it meant my insurance would come under £3000.
11/08/10 FB fiend
-9
Swiftcover

Swiftcover

We need more money for our second homes, don't you know!!
10/08/10 Swiftcover
8
ufucoffee

ufucoffee

astonished to learn how many kids driving without insurance-that was until I went to insure my 17yr old son.i was quoted(cheapest) £3300! 1Litre VW L POLO-No wonder kids are driving without insurance,WHO can afford that in this current climate! unfortunately had to tell son he has got to wait till his older,to which he replied "but I would have forgotten how to drive by then!"
05/04/10 ufucoffee
0
Insurance assessor

Insurance assessor

Ok .. For starters, You are a main driver, who is fraudulently claiming to be a named driver to get a discount from the insurance company that you arent actually entitled to ... And you ask why premiums are high???? ... The answer is that insurance companies arent idiots, as you will find out the first time you have to make a claim!
26/03/10 Insurance assessor
-10
kodkod.84

kodkod.84

an irate mum- unfortunately this is a fact of life, we all have to start somewhere and also have to pay through the nose for it. My thinking is that insurance companies deliberately price younger drivers out of the market in an effort to deter the boy racers who probably can't afford it and therefore won't be driving but unfortunately will just drive uninsured which is even more damaging to everyone's pockets.

Believe me the prices do come down, I have never been on my own insurance until 2 years ago having driven company cars since 21 and being a named driver before then. At 25 I now pay £600 fully comp for an Audi A4 2.0T which is on a 10 month accelerator scheme. However when looking at renewal quotes the range goes all the way up to £4000 for some companies!! How each individual company comes to vastly different prices I do not know, but you definitely need to shop around.
02/02/10 kodkod.84
5
Congo

Congo

Young drivers are a far greater risk than drivers with proven experience - or so the statistics used by insurance companies tell us. This has been a constant for decades.

Motor insurance covers not just damage to a £800 car (and not even that if the policy is 'third party only') but the potential for a death or serious injury award, NHS recovery costs, property damage and the like not to mention the fact the 'third party' may be driving a very expensive car.

Perhaps 'an irate mum' could tell us on what other criteria and evidence an insurer is supposed to base their quotation for a teenage driver who has held a full licence for just a week?
02/02/10 Congo
-37

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