Being older and its advantages.

Crikey. I didn't have to pay those sort of prices (or the equivalent) when I was a lad.

Gosh! Looks like they want him to pay for the accident before he has it!

Debs

quote:

Looks like they want him to pay for the accident before he has it!

Of course they do, they are insurance cmpys.
Plus isn't it mandatory for a teenager to do something stupid - I did & quite a number of times, who didn't ???
The trick in those days was to have old bangers with 3rd party F&T only.

I would assume that by selecting an excess of GBP500 or GBP1000 these rates would drop quite significantly.

I also like the line that says the offers include £50 cashback!

Chaps

You think this is bad, my boss was in the Ford main agents show rooms in the 1990s collecting his new company car.

A young lad walked in and stated he was very interested in a Ford Cosworth standing in the forecourt.

The Sales Manager rang up for a quote to insure the young man ....£11,900.00

Regards

Mick

Teenagers doing something stupid

see

http://homepage.mac.com/cwog/Car%20smash/index.html

19 year old, 50% over the drink drive limit, sadly not hurt (from what I could see not even his pride) and even more disappointing was the police did not send me any of the finger nails extracted during the post arrest interview.

The police were very quick to arrive as they had been following the car.

The driver, J Brodison, only lives about 1.5 miles from here and he did not even have the decency to send an apology.

quote:

Originally posted by Derek Wright:
Teenagers doing something stupid

see

http://homepage.mac.com/cwog/Car%20smash/index.html

19 year old, 50% over the drink drive limit, sadly not hurt (from what I could see not even his pride) and even more disappointing was the police did not send me any of the finger nails extracted during the post arrest interview.

The police were very quick to arrive as they had been following the car.

The driver, J Brodison, only lives about 1.5 miles from here and he did not even have the decency to send an apology.

An advantage of being young means he could walk away unscathed from that.

Alas.

Such creatures are the reason there exist battleaxe's.

Not exactly a major crime scene now is it? Teenager crashes car, no one hurt is not the stuff of headlines.

Move on.

quote:

Originally posted by Derry:
Not exactly a major crime scene now is it? Teenager crashes car, no one hurt is not the stuff of headlines.

Move on.

Move on to where?
The next time and place the pissed halfwit decides to drive into a tree?

Perhaps you'll be standing in his way.

Major then?

not really - just trashes garden - so definitely no consequence - let us all go around trashing other people's property - if it so ok

Derek,

This was indeed a very stupid thing to do.

Thank goodness he wasn't hurt and the damage was so insignificant.

quote:

Posted Sun 25 April 2010 17:01 Hide Post
Derek,

This was indeed a very stupid thing to do.

Thank goodness he wasn't hurt

Yes it is a shame the little bastard was not hurt

As an insurer - bloody glad to see it. Motor insurers (as opposed to brokers or comparison websites - who can't lose) have lost heavily for the last three years.

As a young person, statistically around 80% WILL have an accident within the first six months - you just have to hope a) they survive it, and b) they don't hurt anyone else.

Before anyone gets "insurance company" paranoid, premiums will be going up. But not for the fun of it.

Motor claims inflation is reaching incredible levels due to "no-win no fee" lawyers, uninsured drivers, accident management companies (many of which practice outright fraud), Credit Hire companies inflating the cost of even ordinary claims and "traditional" fraud such as staged accidents and phantom passengers.

Joe

48 year old.

Full no claims - only two miniscule claims with same company since 1979, in 1986 and 1993.

Volvo 240 GL 2.3 litre model, made in 1989.

Annual premium £180 for Third Party Fire and Theft, but allowing me to drive any vehical [for which I have entitlement] with the owner's permission.

Glad to be old. Glad to be with the NFU Mutual!

First car [in 1979] was a single carburetta Rover 200, and the premium was £180!

ATB from George

The problem with mounting insurance costs for young drivers is that it will increase the number of uninsured drivers on the roads. I don't know what the solution is to be honest, apart from cracking down even further with ANPR etc.
My daughter was run down by an uninsured driver in Southampton over two years ago. She was crossing a Pelican on a green man.
She's still in plaster, but at least she's alive.

I work as a forensic accountant quantifying loss of earnings etc after accidents - and some of the claims I get involved with get into the millions, most I see are tens of thousands to hundreds of thousands

I just had a random text to my phone saying their files show my accident could net me £3750. Last time I had an accident was ooh, 7, years ago. I understand such messaging is illegal - but it goes on. A friend who did have an accident was sent several messages (I suspect someone nicked his details and sold to claims management companies) saying he should make a claim

£84 Fully Comp - Ford Granada


Cheers
Steve

Just my thoughts,ways to reduce accidents involving young drivers.
#1 Reduced power on vehicles [like young motorcyclists] say 1000cc.
#2 No modifications to the vehicle allowed whatsoever including the radio/sound system.
#3 Retest/assessment after 6 months.
#4 Further training i.e advanced driving.
#5 Persistent offenders severely dealt with by way of the proceeds of crime act.

quote:

Teenagers doing something stupid

http://homepage.mac.com/cwog/Car%20smash/index.html

19 year old, 50% over the drink drive limit, sadly not hurt (from what I could see not even his pride) and even more disappointing was the police did not send me any of the finger nails extracted during the post arrest interview.

Hiding in a box somewhere I have a similar set of photos of a car embedded in the living room wall of the house opposite. I took them at the request of the house owner for his insurance company. This was 25 years ago! The young man involved had come round the corner at high speed (it's a quiet little street), and absconded after his "accident". The police soon caught up with him and needless to say he was well over the limit. Nothing changes.

yeah, being older I take it slower and very careful, but the young set must see driving as a video game to squeeze between to get around. Other hapless people don't see that a little space like a few car lengths is a safety margin at 70 mph.

Your first car accident makes you more wary and it's "when" not "if" you have an accident. I remember telling my father at 17 I'd had an accident, but it was only a few mph starting up from a stop light. Corporate lawyer dad wasn't too happy, but later said it was the best money spent as after that I was much more cautious.