You were saying PhilP that insurance should be taken on driving experience alone, and a 17 year old newly qualified driver is not likely to have 20 years driving experience under his/her belt. You also state that it is based on what or who they might hit. How can you tar eveyone with that same brush? Not all 17 year olds are going to hit anyone or anything, I take it you have 20 plus years NCD, how did you get that? You must have been 17 once, who did you hit or what did you hit at that age, or whatever age you passed your test at? How old are you? What if insurance companies suddenly decided that your age group is more likely to have an accident, so your insurance is going to go up to £3000.00 per annum, I think you would have something to say about that.
A lot of the accidents involving young drivers are caused because that driver is too young and doesn't even hold a driving license, never mind insurance and the car is stolen in the first place. This should not be recorded as a young persons accident, it should be recorded as a di**heads accident.
I think you will find that 99.9% of young drivers that insure their car and run it the way it should be run are going to be sensible enough to drive their car with common sense, and to their ability. Not all young drivers are idiots.
No it doesn't happen anyway, young drivers are not treated fairly by insurance companies, they pay an extortionate amount for their first car, this should not be the case, they should be given reasonable quotes, not a quote of 3000.00, but ok let's take £1000.00 as a base figure, charge them £1000.00 and then if they hit anyone or anything, then throw their premiums up to the extortionate rates, and recoupe their money after the accident has happened, not before it might happen, do not judge people before they have an accident, do insurance companies say at the end of 12 months insurance premiums here is some money back as you didn't hit anyone or anything, and we will also reduce your premium because you now have 1 year NCB, they are charging for something that might happen, but what if it doesn't happen? You stated this "Absolutley. We all have driving history, no claims etc". How does a newly qualified driver have any driving history or NCB, they like us have to earn it, but it shouldn't have to be earned while paying teriffic extortionate prices.
I totally agree with the point about us paying for all cars on an individual basis, but yet again this is driven by money. Any of us can only drive one car at a time, so all cars should be on one policy. I don't know about yours, but my insurance policy states that I can drive any motor vehicle with the owners consent, as long as it doesn't belong to me or hired to me under a hire purchase agreement, now that says to me that if in an emergency or something similar should crop up that I could drive someone elses car, and I would be covered, although to a limited extent, they have now decided that even though it states this on your insurance policy, that the vehicle also has to be insured either by us or the owner of the vehicle. How wrong is that, if you can't drive any other vehicle, it shouldn't state that you can on your insurance policy.
I also agree that older people should have to prove their ability to drive on a regular basis, and that one would hope that if they feel as though it is time to give up, then give up.
And that someone with 20years driving experience and NCB should have a lower premium than someone with no experience or NCB. But this could still be achieved and bring down the price young people have to pay.
As for the cancer quote, not all cancers are genetic, some are very much random, or workplace related, please see my reply to Janus on this one.....lol
Please don't think I'm having a go at you, I just like a good debate with no nastiness or malice involved, and good friends afterwards.
Cheers mate
.....:wheelchair:.....the old crock.....lol
I agree, the forum administrators should have something in the way of reward for all of the hard work they do for the forum, honourary membership is a great idea.......:wheelchair: