eagle224 wrote:
I fully sympathise with you on this one. My son has just started learning and was quoted from £2500 to £24000
for a Renault Clio 1.2 until I found Collingwood Insurance specially for learner drivers - £1140, which is still expensive
but much better and includes an adult as a named driver free so at least I can use it too...
With some insurance companies it is actually
cheaper if you get yourself insured on your son's car. This is because the company figures that when you're driving the car, your teenage son is not, and you're a better risk than he is.
The more people who drive around uninsured, the more the premiums cost the rest of us. This is because insurance companies contribute to a fund that pays out when the uninsured are liable for an accident (so honest drivers subsidise the dishonest). And of course, the higher the premiums, the less people are likely to get insurance. A classic vicious circle. It's mad, and it needs legislation to do something about it - eg massive fines and disqualification for people caught driving uninsured, not just a piddling couple of hundred quid.
on a VW Transporter 2.4D that has less power than the Clio - most companies would not cover him. It looks like he will have to pay around £2500 when he passes his test, which probably means he will have to sell the car next year as we/he can't afford that sort of hit on an annual basis. It's no wonder so many young people are driving without insurance.
