Any other Saxo owners feel targeted by police?

[Rudpud]

Originally Posted by devilsadvocate

Most accidents are caused by younger drivers in specific brands of car, hence they reason they get pulled over more and have to pay more for insurance.

Only one of my mates has crashed, all of us being under 21 (young), and it wasn't his fault. IMO, older drivers such as 60+ are more of a danger on the road than a 'young chav',as you put it.

Why is my insurance so expensive when I havent crashed before and have, what is commonly known as, an old ladies car?

Back on topic, in neither of the 4 cars i've owned, including two saxo's, have I been pulled over by the cops, been searched for drugs in the car but that's for a different reason, and I still think that most of them are wasting their time, and should all be like Sherlock Holmes and solving crimes.

[sebring]

Originally Posted by Rudpud

Only one of my mates has crashed, all of us being under 21 (young), and it wasn't his fault. IMO, older drivers such as 60+ are more of a danger on the road than a 'young chav',as you put it.

Why is my insurance so expensive when I havent crashed before and have, what is commonly known as, an old ladies car?

Back on topic, in neither of the 4 cars i've owned, including two saxo's, have I been pulled over by the cops, been searched for drugs in the car but that's for a different reason, and I still think that most of them are wasting their time, and should all be like Sherlock Holmes and solving crimes.

Nail on the head son!

[devilsadvocate]

Originally Posted by Rudpud

Only one of my mates has crashed, all of us being under 21 (young), and it wasn't his fault. IMO, older drivers such as 60+ are more of a danger on the road than a 'young chav',as you put it.

Why is my insurance so expensive when I havent crashed before and have, what is commonly known as, an old ladies car?

Back on topic, in neither of the 4 cars i've owned, including two saxo's, have I been pulled over by the cops, been searched for drugs in the car but that's for a different reason, and I still think that most of them are wasting their time, and should all be like Sherlock Holmes and solving crimes.

That's your opinion, statistics are fact.

You may think they are more of a danger but statistics prove otherwise.

My insurance is dirt cheap on the VTS......partly because I am 24 but primarily because I have 4 years NCB. I have proved I am less of a risk by building it up.

[Rudpud]

Originally Posted by sebring

Nail on the head son!

Its true.

Originally Posted by devilsadvocate

That's your opinion, statistics are fact.

You may think they are more of a danger but statistics prove otherwise.

My insurance is dirt cheap on the VTS......partly because I am 24 but primarily because I have 4 years NCB. I have proved I am less of a risk by building it up.

I get really defensive over young drivers, the ones that constantly act like pricks get what they deserve. But for people like me and many others I know, who drive sensibly and only have fun when safe to do so, I stand up for.

So this statistic of yours, is it due to there being more young drivers than 60+?

[devilsadvocate]

Originally Posted by Rudpud

I get really defensive over young drivers, the ones that constantly act like pricks get what they deserve. But for people like me and many others I know, who drive sensibly and only have fun when safe to do so, I stand up for.

So this statistic of yours, is it due to there being more young drivers than 60+?

It's not my statistic, it's the statistics.

Insurance is calculated on risk, which is calculated from statistics.

Unless the insurance company can see into the future and work out that you are never going to claim for the next 50+ years of your driving career, the only close thing they can base your premium on is statistics of the people like you (i.e young and male in a Saxo) for the past X amount of years......it's so simple.

[Rudpud]

Originally Posted by devilsadvocate

It's not my statistic, it's the statistics.

Insurance is calculated on risk, which is calculated from statistics.

Unless the insurance company can see into the future and work out that you are never going to claim for the next 50+ years of your driving career, the only close thing they can base your premium on is statistics of the people like you (i.e young and male in a Saxo) for the past X amount of years......it's so simple.

I know its not yours, and how insurance premiums are worked out. But what im saying is, that more young drivers are involved in accidents as there are more of them on the road?

[devilsadvocate]

Originally Posted by Rudpud

I know its not yours, and how insurance premiums are worked out. But what im saying is, that more young drivers are involved in accidents as there are more of them on the road?

I would imagine so yeah, almost everyone starts lessons at 17 these days...desperate to have a car.

I have no idea on the numbers but I would strongly suspect there are a lot more cars on the road than their were 20 years ago and the large majority will be younger drivers.

More young drivers on the road = More younger drivers involved in crashes
This leads to...guess what....higher insurance premiums for young drivers.

[Rudpud]

Originally Posted by devilsadvocate

I would imagine so yeah, almost everyone starts lessons at 17 these days...desperate to have a car.

I have no idea on the numbers but I would strongly suspect there are a lot more cars on the road than their were 20 years ago and the large majority will be younger drivers.

More young drivers on the road = More younger drivers involved in crashes
This leads to...guess what....higher insurance premiums for young drivers.

Which is exactly my point, its higher because there's more of them.

I bet if there was the same amount of older people as younger, then stats would be much different.

[sebring]

Originally Posted by devilsadvocate

It's not my statistic, it's the statistics.

Insurance is calculated on risk, which is calculated from statistics.

Unless the insurance company can see into the future and work out that you are never going to claim for the next 50+ years of your driving career, the only close thing they can base your premium on is statistics of the people like you (i.e young and male in a Saxo) for the past X amount of years......it's so simple.

It is to a certain extent. Then it becomes the companies decision to exploit the law to its benefit of making more money, best industry to be in tbf. Its also the tax on top that you pay that jacks it up.
REmember, it works differently and a lot more effectivly in other countries.

incompatence will always overrule driving like a dick. I can drive like an idiot and maintain full control of my car, be aware to whats going on and be able to slow down to a safe speed when nessasery. Now if you are a shite driver and do this, it will most likely end in tears. Insurance companies have been around long enough to spot these people and do somehting about it but the revenue is too dear to lose.