Motors Car insurance costs set to rise

Premiums should be higher for young drivers. A little bit higher. Then after you crash your car (your fault), they should slap the premiums on then.

 

To be honest, it's not that bad a reason for doing it. The guy had to be prepared to give chase to people who would also be willing to go as fast as their cars would take them. People who're going to be in car chases should be familiar with their vehicles. I agree he was stupid in the place he chose to do it, but I doubt that police drivers are provided with days at the track to familiarise themselves with their cars.

 

That would be a good reason specofdust, but I always thought that police 'drivers' were given advanced driving lessons on a test track specifically in order to drive at high speeds & practice maneuvers. Anyone know if this is indeed the case (in the UK at least?)

Come to think of it, it's not a good reason, because the car was driven to a speed which he had driven at in that car before, hence 'testing' it - on a public road...that's bad mmkay, seriously.

 

£2800 more like.

 

Yay, 2 weeks before I buy insurance . Planning on starting the phoning around tomorrow :'(

 

Awesome, that should cancel out my newly built up no-claims bonus nicely!

 

I just called to change address on my policy, the new address is 250 yards from the old one, the parking area is the same one but because of a change in postcode my premium increased; "higher risk". Insurance companies are classified in the same category as fraudsters IMHO, any chance to go in dry and that's exactly what they do.

 

Ohh well ,there goes me driving any time soon then.

Back to the good old public transport. fun.

 

Not on public roads in your own car. They use specific police tuned cars on a private test track.

 

I'm a little curious exactly how insurance companies are managing to lose money considering the wallet crushing prices they charge for car insurance Especially as none of them want to pay out and the no claims bonus system pushes people into not claiming.

Probably on all that Don Perignon they drink on celebrating screwing over their customers and getting away with it...

A few things I've noticed whilst I've been driving -
- You spend relatively little time concentrating on your own driving and considerably more on preparing for an idiot to try something stupid.
- Pedestrians never look.
- Old people expect everyone to get out their way, even if they're going down the wrong side of a motorway.
- Most drivers don't understand the concept of a zebra crossing.
- Getting stuck behind a 4x4 or larger is bad news because your driving becomes purely reactionary.
- Chavs, BMW drivers, Ferrari (et all) drivers don't understand that the speed limits apply to them to.
- There are more speed cameras ready to bust you for breaking the speed limit than there are speed signs telling you what the ****ing speed limit is.
- There are no end of idiotic distracting sign posts and relatively few useful ones.
- A fair chunk of the UK road network is in poor to mediocre condition.
- There is a reason why people fail their driving test three or more times... they're awful drivers

 

only police DRIVERS have to undertake any sort of tests, they have to read a manual called roadsense that covers some pretty key areas mainly involving taking in all the information on the road and summing up what you see etc, thinking of all eventualities, matching your driving to the road environments.

the training is done on the open roads with a police instructor and sometimes another officer in the back, normally in plain cars with no flashing lights. they speed it about on country lanes practising safe overtaking etc.

i was also however stunned to find out that copper got let off for driving in excess of double the speed limit, when my dad got fined for doing 94 on a motorway. he had a car up his arse at just over 70 flashing his lights so naturally you think the person is a tosser and you speed up. only this tosser was a copper speeding with no sirens. probably that jack the lad that got let off.

the roadsense manual is ace and should be given to any new driver and form part of the actual road test, and advanced driving courses should be mandatory after say 2 years of driving.

also we need more re-testing on the roads of britan as most of the older generation that i know cant remember even basic rules of the highway code or have eyesite problems. one lady at work who drove the same car as my dad ( a 400bhp xkr ) said she couldnt drive it in the night as all she sees is the colours of other cars as blobs and she just follows the one in front.

a,so i have a aunt who is ****ing registered blind and the government pay for her car and she gets a new one every two years. needless to say shes crashed every one

 

I think it's more broad than 'young' drivers. It's 'inexperienced' drivers. I told my current insurers that I'd passed my test recently as I was on as provisional on ours and the premium went up £100! Needless to say, I've looked around and found a decent one for half what I'd end up paying!

 

They should do what the Police force are doing in my county (the WMs I believe).

So far this year, after being in force for a year, the Police have legally crushed about 1700 cars... not old and abandoned cars but any car that has been found not to be insured or taxed or driven by an uninsured driver.

Although I still object to the big brother style cameras and invasion of privacy on every street corner, that's how most drivers are being caught out as even though speed camera et al only catch speeders when a speeding offence is committed, they also scan cars that drive past and pro-actively go and tow them away to be compressed into a large cube.

I object to the pro-activeness of the system, but the actual principle of 'if you ain't insured, taxed or can legally drive.. we'll crush your car; no ifs or buts' is a good one.

 

J-Pepper, that is an interesting idea, but I expect you'd get a fair few people buying total sheds for < £50 so it wouldn't really matter if one got crushed every few months.

 

I love the fact that I have to pay ridiculous premiums.
Today I was forced to swerve off the road to avoid a large camper van towing a car, driven by a person who has to pass no extra test to drive such a large vehicle, and also nearly had an old lady who obviously has no awareness of her surroundings, career into the side of me forcing me to swerve on to the other side of the road and then having to dash out of the way of another vehicle.
These people get low premiums. Seems really fair.

And another thing. Women drivers. The Sheilas wheels advert would lead you to believe that they are safer drivers.... yet, in some of the advert footage they are driving backwards along the road (not looking where they are going either) and at one point they also entrust the car to a stuffed baby kangaroo (Granted, It could have been a named driver) . And they still get cheaper insurance! It's not fair I tell you!

 

This is stupid, I hate the ****ing insurance companies, you pay them £1000's for doing nothing, and then they charge you more when you actually need to claim some money off them.

I would've brought a car at 18 or so, but now it's way to expensive for me, so I'll probabily leave it till 20-22.

*******s.

 

I estimate having paid about £8K in insurance so far and "luckily" haven't claimed a penny back

 

Wow this is ridiculous, I cant afford to insure my car as it is being 17 and now they wanna raise it by 40%, there gonna drive all the young drivers who pay a hell of a lot of money to them at the moment out of the market

I have a 1.8 306 and at 17 on a provisional ( soon to pass ) it costs over 3 grand to insure so im down as a named driver and weve registered the car in my mums name but this means i dont get any no claims bonus ( direct line do though if people are in a similar situation to me, but mine was allready done n dusted ).

I think the insurance companys are gonna shoot themselves in the foot.

 

I'm having to do a similar thing when I start driving, my dad is putting me as an extra driver on his insurance, as it's way cheaper. The lack of no-claims bonus is annoying though.
Car insurance is ridiculous anyway, I was looking at minis, and insurance was the same for a standard mini made to look like a Cooper S, as the actual Cooper S with more power. Ridiculous.

 

Thats your own fault for having a 1.8, and if you do most of the driving in that car then what you're doing is called fronting, is illegal and will void your policy. Something I looked into once .