It's amazing that there's not one insurance company or underwriter who offers much cheaper premiums to accurately reflect the risk they take in insuring a young, inexperienced driver - UNLESS the premiums quote accurately reflect the risk in the first place.
Still the OP hasn't told us the insurance company, whether the driver has a clean license, the value of the car, what the car actually is, where they live, is it a crime spot? And of course what level of cover was quoted.
So without all that information, Workhorse wants us to say - that's extortionate - because he's "mad keen to drive"...
I was quoted for a first time driver, living in the countryside, with a 1989 ford escort, 1.4L, 19 years old - cost me 1450 quid for TPF&T (well actually more due to DD and it beings loan in effect). That was what, in 2002?
Yes it was expensive - but manageable.
the only info I wasn't specific about was the names of the various companies they had tried and it was all that are available.
Well I disagree that you're more likely to have an accident with a younger driver. I feel they are being stigmatised unfairly.
Either they are safe and legal to drive or they are not.
Don't discriminate under the law.
I have been hit twice in my life once from behind when I was stationary by a 60 something man and once a 70 something man drove out from a side road into my path.thats just my 30plus years on the roads experience.
Yeah, you've said that several times but you've done nothing to explain why you think so.
And, again, do you think liberty is a "privilege" too?
Like taking to a brick wall.
2 people in authority refered to a driving licence as being a 'privilege' rather than as a 'right' and you are basically demanding I give an explanation for their fact. :rolleyes:
Said nothing about agreeing with them. However I can see where they may have been coming from in a legal sense if true. Liberty in this country is not a constant, neither do we have a bill of rights, or a constitution as per USA. I am not advocating freedom as a privilege, but it is certainly not a right in itself in the UK. People in France used to be property of the state for instance.
I have been hit twice in my life once from behind when I was stationary by a 60 something man and once a 70 something man drove out from a side road into my path.thats just my 30plus years on the roads experience.
2 people in authority refered to a driving licence as being a 'privilege' rather than as a 'right' and you are basically demanding I give an explanation for their fact. :rolleyes:
Said nothing about agreeing with them. However I can see where they may have been coming from in a legal sense if true. Liberty in this country is not a constant, neither do we have a bill of rights, or a constitution as per USA. I am not advocating freedom as a privilege, but it is certainly not a right in itself in the UK. People in France used to be property of the state for instance.
It's like listening to a recording.
If a person in authority told you the moon was made of cheese, would that be a fact too?
I'm just asking you to explain why you hold the opinion you seem to have.
The word "privilege" implies something that isn't available to everybody and that's not the case with driving.
Driving is something that IS available to anybody who is able to meet the legal requirements.
*EDIT*
FWIW, I do agree that people shouldn't take the ability to drive for granted but that doesn't mean it should be considered a "privilege".
Looking back to the "good old days" when I started driving in 1984, a gallon of petrol was an hours wages - £1.85 and now it's about an hours wages (for someone starting out in work) and insurance was about a month's wages.
So when put into real terms it's not that different. Unless of course, as all new drivers have to drive a year old sports car, that may be the issue.
I got my first job in 84 and it was £1.77 an hour bloody fortune after coming of a YTS
Well I disagree that you're more likely to have an accident with a younger driver. I feel they are being stigmatised unfairly.
Either they are safe and legal to drive or they are not.
Don't discriminate under the law.
I have been hit twice in my life once from behind when I was stationary by a 60 something man and once a 70 something man drove out from a side road into my path.thats just my 30plus years on the roads experience.
I got my first job in 84 and it was £1.77 an hour bloody fortune after coming of a YTS
Heh,
My first full-time job was in about 1986 and I was getting about £1.30 an hour and £49 per week was still a big step up from the £26 per week I was getting on a YTS.
Middle aged people have lower insurance because they have driving experience, are less likely to show off to their mates and have usually built up a no claims bonus. They also statistically have less accidents.
by middle age mate's have disaappeared or died.in fact a lot of middle aged don't even have parents to show off to.
That doesn't sound right. You're saying only the richer punters should be allowed to drive on the roads.
You seem to be putting words in a lot of peoples mouths! Thats not what is being implied at all! It is quite clear what is being suggested. Noone is saying only richer people should be allowed to drive on roads!
If you really want to drive, you'll find a way to pay the insurance. I made sacrifices when I was young in order to pay my high insurance cost which, contrary to popular belief,isn't a new thing for young drivers!
If you really want to drive, you'll find a way to pay the insurance. I made sacrifices when I was young in order to pay my high insurance cost which, contrary to popular belief,isn't a new thing for young drivers!
Damn straight.
My first "fancy" car was Triumph TR7 convertible with a Rover V8 engine.
I was under 30 at the time, earning about £80 a week and the insurance was around £1,000.
If you compare that to today, where the average wage of somebody between 25 and 30 is £19,000 it's not much different.
Comments
Just reported what I was told, nothing more.
It was the driving examiner.
Also heard a JP refer to it as such.
It seems to have some basis, either past or present. Semantics notwithstanding.
Yeah, you've said that several times but you've done nothing to explain why you think so.
And, again, do you think liberty is a "privilege" too?
the only info I wasn't specific about was the names of the various companies they had tried and it was all that are available.
I have been hit twice in my life once from behind when I was stationary by a 60 something man and once a 70 something man drove out from a side road into my path.thats just my 30plus years on the roads experience.
Like taking to a brick wall.
2 people in authority refered to a driving licence as being a 'privilege' rather than as a 'right' and you are basically demanding I give an explanation for their fact. :rolleyes:
Said nothing about agreeing with them. However I can see where they may have been coming from in a legal sense if true. Liberty in this country is not a constant, neither do we have a bill of rights, or a constitution as per USA. I am not advocating freedom as a privilege, but it is certainly not a right in itself in the UK. People in France used to be property of the state for instance.
Read the links provided in #243
It's like listening to a recording.
If a person in authority told you the moon was made of cheese, would that be a fact too?
I'm just asking you to explain why you hold the opinion you seem to have.
The word "privilege" implies something that isn't available to everybody and that's not the case with driving.
Driving is something that IS available to anybody who is able to meet the legal requirements.
*EDIT*
FWIW, I do agree that people shouldn't take the ability to drive for granted but that doesn't mean it should be considered a "privilege".
I got my first job in 84 and it was £1.77 an hour bloody fortune after coming of a YTS
I have been hit twice in my life once from behind when I was stationary by a 60 something man and once a 70 something man drove out from a side road into my path.thats just my 30plus years on the roads experience.
Heh,
My first full-time job was in about 1986 and I was getting about £1.30 an hour and £49 per week was still a big step up from the £26 per week I was getting on a YTS.
Prior to that, I was on benefits of £9 a week.
by middle age mate's have disaappeared or died.in fact a lot of middle aged don't even have parents to show off to.
intelligent point.
You seem to be putting words in a lot of peoples mouths! Thats not what is being implied at all! It is quite clear what is being suggested. Noone is saying only richer people should be allowed to drive on roads!
If you really want to drive, you'll find a way to pay the insurance. I made sacrifices when I was young in order to pay my high insurance cost which, contrary to popular belief,isn't a new thing for young drivers!
Damn straight.
My first "fancy" car was Triumph TR7 convertible with a Rover V8 engine.
I was under 30 at the time, earning about £80 a week and the insurance was around £1,000.
If you compare that to today, where the average wage of somebody between 25 and 30 is £19,000 it's not much different.
had a quick read and I am scared ,I hope my relation doesn't end up a statistic.
My Great Grandad was a train signaller on £1.00 a week according to my mum.