bad insurance

[saxomad197]

done a quote on my saxo vts 2001 y lowered put i was born 20/2/1991 should make me 18 correct me if iam wrong. put beem driving 5months car worth 1500quid on money supermarket

best quote:company brokerkings: £4399 quid fully comp 500quid excess.

worst quote you wont believe this i couldnt believe it

quote:the green insurance company £12700.50p fully comp 300quid excess

i would make a joke of the company name but i wont bother. i couldnt believe it

iam 24 my saxo 598 fullycomp 5ncb protected. excess 700quid 450 vol 250 being young experienced with tesco been driving 6 years

have anybody found a more expensive quote on a saxo vts or vtr or another car?

[de51_Hodgey]

you would be 19 mate :y:

and the worst quote i had on my 1.1 was 14.000 that was when i was 17 and just passed :n:

[0rang3peel]

It is a joke, Mine was 1200 on a VTR for my first car, I was 18. It is now approx 500 and I am 22.

[saxomad197]

i know if i had enough money would set up my own insurnace company makes insurance 400quid cheap than everybody else hate seeing people getting ripped off on insurance. my gf sis work for insurance company claire goes to me the other day my sis got 500quid bonus this month. i was fuming i said it must feel good robbing from the poor. she went what? i said that people money that they had to pay for nothing so youre sis get a fat ol bonus perhaps they should look after their customers first and give them a discount. i was fuming

[saxomad197]

owning a car
1: you get screwed my insurance company
2:you get screwed by road tax (mine be 245quid next year gov website)
3:you get screwed by the mot man
4:end the week the petrol pump screws you

perks owing my saxo that about it

[saxomad197]

m gf vtr 250 fully comp 6ncb she 24

[jw1325]

im 20 3 points and an accident, 600 fully comp on zee GTi.

[Giraffe]

Insurance section? If not, I don't see what you are getting at? They are out to make a profit after all, nout wrong with that. If young people want fast cars, then sure they should pay big, there are a few crash threads on here, and yeah the money you pay probably lines their pockets and goes towards pay outs for countless other drivers. Would you prefer they run at a loss/break even? Would you run at a loss/break even? Can't be all gravy, look at Quinn.

You will get cheaper car insurance later on in life, swings and roundabouts.

[brianS]

they are a business, they take into account age, driving habits, location, driving history, what the car is, previous claims both by you and other drivers of the same car, thefts of that car etc etc.... it may seem expensive and in some cases it is but compared to the payout that would happen if you claimed it could be deemed reasonable.
simple thing is you cant drive a car without insurance in the uk ( i can where i am as its included in the cars registration for the year), so its either put up with the cost or find a car that doesnt cost as much.

[tom130691]

£900 1.1, i was 17 and the AA wanted £9000

[saxomad197]

ok just saying they can make a profit but their no need to to rob if you know what i mean good example i can think of from college a friend bought a 1.0litre fiesta for 300quid charged him 1300quid tpft. if a 40 yr old man bought a ford rs say 26k and charging him 100k insurance a year they wouldnt get away with it. but how come it ok to rip off a 18 year old? you see where iam coming from

[dav0506]

ok just saying they can make a profit but their no need to to rob if you know what i mean good example i can think of from college a friend bought a 1.0litre fiesta for 300quid charged him 1300quid tpft. if a 40 yr old man bought a ford rs say 26k and charging him 100k insurance a year they wouldnt get away with it. but how come it ok to rip off a 18 year old? you see where iam coming from

They aren't ripping the young 'uns off! It is just a hell of a lot more likely that the 18yr old will have to make a claim more than the 40yr old. At the end of the day the insurance company is taking a gamble in insuring you, they don't want to be out of pocket should you have to make a claim. So unfortunatley because the young inexperienced drivers are more at risk their premiums are much higher. At 18 it doesn't matter if you want to insure a 1 litre M reg fiesta that you wouldn't piss on if it was on fire or a Saxo VTS with all the trimmings your insurance is going to be high because the premium you're paying is basically just so the 3rd party is covered. With so many young people on the roads who just can't be bothered/ don't know how to drive properly it's inevitable that premiums will be high as they have to make the most claims, (which i do agree is unfair on people who do drive safely.) Unfortunatley though we all do get tarred with the same brush.

[Boucler]

I dunno if it's just me but I've been fairly lucky with insurance.

My first car was a Citreon AX and I payed 1500, I was 17 on Provisional.

I then owned a Corsa and was paying 1200 a year (just passed test.)

Got an Escort at 18 (with a years no claims) paying 96 a month.

I then tried getting a Black VTS and got quoted 160 a month, was going to do it but thought not to.

I'm now 18, 1 years no claims and pay 90 a month on a 51' plate VTR with Admiral.

I'm lucky I think?

[dav0506]

I dunno if it's just me but I've been fairly lucky with insurance.

My first car was a Citreon AX and I payed 1500, I was 17 on Provisional.

I then owned a Corsa and was paying 1200 a year (just passed test.)

Got an Escort at 18 (with a years no claims) paying 96 a month.

I then tried getting a Black VTS and got quoted 160 a month, was going to do it but thought not to.

I'm now 18, 1 years no claims and pay 90 a month on a 51' plate VTR with Admiral.

I'm lucky I think?

I'd say!! I'm 25, 3nbc and pay about £70 for a 51 plate VTR with admiral!! I can't wait until renewal!

[Boucler]

I'd say!! I'm 25, 3nbc and pay about £70 for a 51 plate VTR with admiral!! I can't wait until renewal!

I thought i got it lucky. :P