The junior light of my life has decided that she would like dad to
give her driving practice in addition to paying for her lessons, so
kind. Before I agree to this and contact my insurance sharks, has
anyone a rough guide to how much extra they are likely to extort from
me, as a percentage ie is it likely to double my premium.
Thanks

On Sep 26, 8:56*am, johno wrote:
The junior light of my life has decided that she would like dad to
give her driving practice in addition to paying for her lessons, so
kind. Before I agree to this and contact my insurance sharks, has
anyone a rough guide to how much extra they are likely to extort from
me, as a percentage ie is it likely to double my premium.
Thanks

Entirely depends on her age, where you live, what car you drive, what
numbers come up on a pair of dice etc.

It won't cost you anything to just get a quote.

I have full no claims and drive a 1L Suzuki Swift on a 52 plate, am 33
and live in a rural area. Insurance last year was £350. I asked how
much extra it would be to add my wife on (who is 26) whilst she learns
and was quoted an extra £300.

It usually costs less to insure a young driver on a provisional
licence rather than their first full licence as they are supervised.

On the other hand I have heard horror stories of new drivers in areas
such as Bradford being charged £8000 for a 1L Corsa.

But basically, give them a ring and find out.

Philip

On 26/09/2011 09:24, wrote:
On Sep 26, 8:56 am, wrote:
The junior light of my life has decided that she would like dad to
give her driving practice in addition to paying for her lessons, so
kind. Before I agree to this and contact my insurance sharks, has
anyone a rough guide to how much extra they are likely to extort from
me, as a percentage ie is it likely to double my premium.
Thanks

Entirely depends on her age, where you live, what car you drive, what
numbers come up on a pair of dice etc.

It won't cost you anything to just get a quote.

I have full no claims and drive a 1L Suzuki Swift on a 52 plate, am 33
and live in a rural area. Insurance last year was £350. I asked how
much extra it would be to add my wife on (who is 26) whilst she learns
and was quoted an extra £300.

It usually costs less to insure a young driver on a provisional
licence rather than their first full licence as they are supervised.

On the other hand I have heard horror stories of new drivers in areas
such as Bradford being charged£8000 for a 1L Corsa.

But basically, give them a ring and find out.

Philip

I think the old adage "If you have to ask the price you cannot afford
it" may well apply here. as Philip posted, just ask.

--
Residing on low ground in North Staffordshire

At that rate its cheaper to not do anythign and pay the fine if caught..
Brian

--
Brian Gaff -
Note:- In order to reduce spam, any email without 'Brian Gaff'
in the display name may be lost.
Blind user, so no pictures please!
wrote in message
...
On Sep 26, 8:56 am, johno wrote:
The junior light of my life has decided that she would like dad to
give her driving practice in addition to paying for her lessons, so
kind. Before I agree to this and contact my insurance sharks, has
anyone a rough guide to how much extra they are likely to extort from
me, as a percentage ie is it likely to double my premium.
Thanks

Entirely depends on her age, where you live, what car you drive, what
numbers come up on a pair of dice etc.

It won't cost you anything to just get a quote.

I have full no claims and drive a 1L Suzuki Swift on a 52 plate, am 33
and live in a rural area. Insurance last year was £350. I asked how
much extra it would be to add my wife on (who is 26) whilst she learns
and was quoted an extra £300.

It usually costs less to insure a young driver on a provisional
licence rather than their first full licence as they are supervised.

On the other hand I have heard horror stories of new drivers in areas
such as Bradford being charged £8000 for a 1L Corsa.

But basically, give them a ring and find out.

Philip

"Brian Gaff" wrote in message
...
At that rate its cheaper to not do anythign and pay the fine if caught..

It may be cheaper to pay the fine, but its going to cost a lot more if you
have an accident.

On 26/09/11 10:31, dennis@home wrote:


"Brian Gaff" wrote in message
...
At that rate its cheaper to not do anythign and pay the fine if caught..

It may be cheaper to pay the fine, but its going to cost a lot more if
you have an accident.
Plus attract enough points to lose the learner's licence, and have a
nasty impact on the supervising driver's.

On Mon, 26 Sep 2011 09:45:24 +0100, Moonraker
wrote:

On 26/09/2011 09:24, wrote:
On Sep 26, 8:56 am, wrote:
The junior light of my life has decided that she would like dad to
give her driving practice in addition to paying for her lessons, so
kind. Before I agree to this and contact my insurance sharks, has
anyone a rough guide to how much extra they are likely to extort from
me, as a percentage ie is it likely to double my premium.
Thanks

Entirely depends on her age, where you live, what car you drive, what
numbers come up on a pair of dice etc.

It won't cost you anything to just get a quote.

I have full no claims and drive a 1L Suzuki Swift on a 52 plate, am 33
and live in a rural area. Insurance last year was £350. I asked how
much extra it would be to add my wife on (who is 26) whilst she learns
and was quoted an extra £300.

It usually costs less to insure a young driver on a provisional
licence rather than their first full licence as they are supervised.

On the other hand I have heard horror stories of new drivers in areas
such as Bradford being charged£8000 for a 1L Corsa.

But basically, give them a ring and find out.

Philip

I think the old adage "If you have to ask the price you cannot afford
it" may well apply here. as Philip posted, just ask.

Damn. I thought I invented that one. ;-)
--
(\__/) M.
(='.'=) Due to the amount of spam posted via googlegroups and
(")_(") their inaction to the problem. I am blocking some articles
posted from there. If you wish your postings to be seen by
everyone you will need use a different method of posting.

On Mon, 26 Sep 2011 10:01:09 +0100, "Brian Gaff"
wrote:

At that rate its cheaper to not do anythign and pay the fine if caught..
Brian

Which one of the reasons why there are so many uninsured drivers on
the road.
--
(\__/) M.
(='.'=) Due to the amount of spam posted via googlegroups and
(")_(") their inaction to the problem. I am blocking some articles
posted from there. If you wish your postings to be seen by
everyone you will need use a different method of posting.

I think the old adage "If you have to ask the price you cannot afford
it" may well apply here. as Philip posted, just ask.

Bit of a presumption that! I am in work and posted the question merely
out of curiosity, we are not permitted to make phone calls. My
previous experience of this group is excellent, especially when asking
such vague questions as mine.
Thanks for your response however and to all the others, will give Saga
a ring later tonight

On Sep 26, 8:56*am, johno wrote:
The junior light of my life has decided that she would like dad to
give her driving practice in addition to paying for her lessons, so
kind. Before I agree to this and contact my insurance sharks, has
anyone a rough guide to how much extra they are likely to extort from
me, as a percentage ie is it likely to double my premium.
Thanks

17yo male, non-pikey area, 1.4 diesel Fusion cost about £800 extra on
top of the existing £400 for an Admiral multi car policy. Stayed
aboput the same once he passed.

Highest quote was over £10,000!

MBQ

On Mon, 26 Sep 2011 00:56:34 -0700, johno wrote:

The junior light of my life has decided that she would like dad to give
her driving practice in addition to paying for her lessons, so kind.
Before I agree to this and contact my insurance sharks, has anyone a
rough guide to how much extra they are likely to extort from me, as a
percentage ie is it likely to double my premium. Thanks

could always try http://www.ingenie.com/ ?

On 26/09/2011 11:26, johno wrote:
I think the old adage "If you have to ask the price you cannot afford
it" may well apply here. as Philip posted, just ask.

Bit of a presumption that! I am in work and posted the question merely
out of curiosity, we are not permitted to make phone calls. My
previous experience of this group is excellent, especially when asking
such vague questions as mine.
Thanks for your response however and to all the others, will give Saga
a ring later tonight

ISTR trying Saga when in a similar position and never mind getting an
"eff-off" quote, I just got a flat "NO" from them (ie for any driver
under 21).

Insurers' attitudes to vary dramatically, so worth shopping around. It's
likely to be worth cancelling your existing policy and taking out a new
one which looks favourably on adding a learner.

My top tip - Aviva (not available via any of the comparison sites) but
by far the best value when I wanted to add teenage learners to a
hitherto ultra low-risk policy.

Haelth warning - you might assume that once she passes her test the
insurance might be a bit cheaper; but you'd be wrong - she'll be
considered far higher risk once she's out and about on her own and tere
will probably be another step hike in premium

David

"johno" wrote in message
...
The junior light of my life has decided that she would like dad to
give her driving practice in addition to paying for her lessons, so
kind. Before I agree to this and contact my insurance sharks, has
anyone a rough guide to how much extra they are likely to extort from
me, as a percentage ie is it likely to double my premium.
Thanks

There is a company that gives learners their own insurance on a monthly
basis, and it is reasonably cheap whilst earning no claims bonus. You'll
have to google it as I can not for the life of me remember the name, but it
is not a big name company.

The problem comes when you go for the test, if you pass you can not drive
home as you are no longer insured!

--
Mark BR

On Mon, 26 Sep 2011 17:58:00 +0100, Mark BR wrote:

"johno" wrote in message
...
The junior light of my life has decided that she would like dad to
give her driving practice in addition to paying for her lessons, so
kind. Before I agree to this and contact my insurance sharks, has
anyone a rough guide to how much extra they are likely to extort from
me, as a percentage ie is it likely to double my premium.
Thanks

There is a company that gives learners their own insurance on a monthly
basis, and it is reasonably cheap whilst earning no claims bonus. You'll
have to google it as I can not for the life of me remember the name, but it
is not a big name company.

The problem comes when you go for the test, if you pass you can not drive
home as you are no longer insured!

--
Mark BR

I think it was maramlade - very reasonable I think it £90 for 3 months for
a specific car - insurance ceases the second they pass the test - but
usually this is not a problem since test is usually taken in intructors car
for which he pays the insurance. Worked a traet for my step son - he
passed after about 2.5 months and I dont need valium anymore :-) just a
mortgage for his insurance
--
(º€¢.¸(¨*€¢.¸ ¸.€¢*¨)¸.€¢Âº)
.€¢Â°€¢. Nik .€¢Â°€¢.
(¸.€¢Âº(¸.€¢Â¨* *¨€¢.¸)º€¢.¸)

On Mon, 26 Sep 2011 17:58:00 +0100, Mark BR wrote:

"johno" wrote in message
...
The junior light of my life has decided that she would like dad to
give her driving practice in addition to paying for her lessons, so
kind. Before I agree to this and contact my insurance sharks, has
anyone a rough guide to how much extra they are likely to extort from
me, as a percentage ie is it likely to double my premium.
Thanks

There is a company that gives learners their own insurance on a monthly
basis, and it is reasonably cheap whilst earning no claims bonus. You'll
have to google it as I can not for the life of me remember the name, but it
is not a big name company.

The problem comes when you go for the test, if you pass you can not drive
home as you are no longer insured!

--
Mark BR

maramalade - I did post a longer answer but get an error !!
--
(º€¢.¸(¨*€¢.¸ ¸.€¢*¨)¸.€¢Âº)
.€¢Â°€¢. Nik .€¢Â°€¢.
(¸.€¢Âº(¸.€¢Â¨* *¨€¢.¸)º€¢.¸)

wrote:
On Sep 26, 8:56 am, johno wrote:
The junior light of my life has decided that she would like dad to
give her driving practice in addition to paying for her lessons, so
kind. Before I agree to this and contact my insurance sharks, has
anyone a rough guide to how much extra they are likely to extort from
me, as a percentage ie is it likely to double my premium.
Thanks

Entirely depends on her age, where you live, what car you drive, what
numbers come up on a pair of dice etc.

It won't cost you anything to just get a quote.

I have full no claims and drive a 1L Suzuki Swift on a 52 plate, am 33
and live in a rural area. Insurance last year was £350. I asked how
much extra it would be to add my wife on (who is 26) whilst she learns
and was quoted an extra £300.

Times have changed. 10 years ago I put my wife on the car insurance. She was
18 years old and not from the UK and my insurance costs went down! In fact
for the first 3 years after we split up I kept her insured on my car as it
worked out cheaper.

--
Adam

In message
,
" writes
On Sep 26, 8:56*am, johno wrote:
The junior light of my life has decided that she would like dad to
give her driving practice in addition to paying for her lessons, so
kind. Before I agree to this and contact my insurance sharks, has
anyone a rough guide to how much extra they are likely to extort from
me, as a percentage ie is it likely to double my premium.
Thanks

Entirely depends on her age, where you live, what car you drive, what
numbers come up on a pair of dice etc.

It won't cost you anything to just get a quote.

I have full no claims and drive a 1L Suzuki Swift on a 52 plate, am 33
and live in a rural area. Insurance last year was £350. I asked how
much extra it would be to add my wife on (who is 26) whilst she learns
and was quoted an extra £300.

It usually costs less to insure a young driver on a provisional
licence rather than their first full licence as they are supervised.

On the other hand I have heard horror stories of new drivers in areas
such as Bradford being charged £8000 for a 1L Corsa.

But basically, give them a ring and find out.

Philip

There are plenty of on-line quotations available or go to one of the
portals such as GoCompare, Moneysupermarket etc. Remember to tick (or is
it untick) the appropriate privacy box to avoid being swamped with calls
and emails.
--
hugh

On Mon, 26 Sep 2011 17:26:44 +0100, Lobster
wrote:

On 26/09/2011 11:26, johno wrote:
I think the old adage "If you have to ask the price you cannot afford
it" may well apply here. as Philip posted, just ask.

Bit of a presumption that! I am in work and posted the question merely
out of curiosity, we are not permitted to make phone calls. My
previous experience of this group is excellent, especially when asking
such vague questions as mine.
Thanks for your response however and to all the others, will give Saga
a ring later tonight

ISTR trying Saga when in a similar position and never mind getting an
"eff-off" quote, I just got a flat "NO" from them (ie for any driver
under 21).

That's a shame. Saga come out fairly high in customer satisfaction
surveys. OTOH they do specialise in insurance for the more mature
customer so that may explain it.

Insurers' attitudes to vary dramatically, so worth shopping around. It's
likely to be worth cancelling your existing policy and taking out a new
one which looks favourably on adding a learner.

My top tip - Aviva (not available via any of the comparison sites) but
by far the best value when I wanted to add teenage learners to a
hitherto ultra low-risk policy.

Aviva are often cheap but do perform poorly on customer satisfaction
surveys (but then few have high scores for that).

Haelth warning - you might assume that once she passes her test the
insurance might be a bit cheaper; but you'd be wrong - she'll be
considered far higher risk once she's out and about on her own and tere
will probably be another step hike in premium

I believe there are additional qualifications that can be taken (like
pass plus) which may help to reduce insurance premiums. And then
there's the pay-as-you-drive policies.
--
(\__/) M.
(='.'=) Due to the amount of spam posted via googlegroups and
(")_(") their inaction to the problem. I am blocking some articles
posted from there. If you wish your postings to be seen by
everyone you will need use a different method of posting.

On Mon, 26 Sep 2011 18:27:44 +0100, "ARWadsworth"
wrote:

wrote:
On Sep 26, 8:56 am, johno wrote:
The junior light of my life has decided that she would like dad to
give her driving practice in addition to paying for her lessons, so
kind. Before I agree to this and contact my insurance sharks, has
anyone a rough guide to how much extra they are likely to extort from
me, as a percentage ie is it likely to double my premium.
Thanks

Entirely depends on her age, where you live, what car you drive, what
numbers come up on a pair of dice etc.

It won't cost you anything to just get a quote.

I have full no claims and drive a 1L Suzuki Swift on a 52 plate, am 33
and live in a rural area. Insurance last year was £350. I asked how
much extra it would be to add my wife on (who is 26) whilst she learns
and was quoted an extra £300.

Times have changed. 10 years ago I put my wife on the car insurance. She was
18 years old and not from the UK and my insurance costs went down! In fact
for the first 3 years after we split up I kept her insured on my car as it
worked out cheaper.

When I first added my wife to my car policy my premiums went down
slightly even though she had had an accident a couple of years before.
--
(\__/) M.
(='.'=) Due to the amount of spam posted via googlegroups and
(")_(") their inaction to the problem. I am blocking some articles
posted from there. If you wish your postings to be seen by
everyone you will need use a different method of posting.

On Mon, 26 Sep 2011 18:15:42 +0100, Ghostrecon wrote:

On Mon, 26 Sep 2011 17:58:00 +0100, Mark BR wrote:

"johno" wrote in message
...
The junior light of my life has decided that she would like dad to
give her driving practice in addition to paying for her lessons, so
kind. Before I agree to this and contact my insurance sharks, has
anyone a rough guide to how much extra they are likely to extort from
me, as a percentage ie is it likely to double my premium.
Thanks

There is a company that gives learners their own insurance on a monthly
basis, and it is reasonably cheap whilst earning no claims bonus. You'll
have to google it as I can not for the life of me remember the name, but it
is not a big name company.

The problem comes when you go for the test, if you pass you can not drive
home as you are no longer insured!

--
Mark BR

I think it was maramlade - very reasonable I think it £90 for 3 months for
a specific car - insurance ceases the second they pass the test - but
usually this is not a problem since test is usually taken in intructors car
for which he pays the insurance. Worked a traet for my step son - he
passed after about 2.5 months and I dont need valium anymore :-) just a
mortgage for his insurance

IIRC instructors won't let you drive the car back after you pass the
test.
--
(\__/) M.
(='.'=) Due to the amount of spam posted via googlegroups and
(")_(") their inaction to the problem. I am blocking some articles
posted from there. If you wish your postings to be seen by
everyone you will need use a different method of posting.

"Mark" wrote in message
...

When I first added my wife to my car policy my premiums went down
slightly even though she had had an accident a couple of years before.

Insurance pricing is odd..
I recently looked around on the comparison sites for a cheaper policy for
the wife.
When I put her in on her own it came back as £580.
When I added myself as a named driver it dropped to £280.
Neither of us have made a claim or had an accident in 30 years (the only
previous claim was for a stolen radio).

Its with direct line now as it was cheaper than the comparison sites.



I also noticed that it costs more to insure my corsa than it does the wife's
Astra even though the corsa has a smaller engine, lower top speed, etc. They
appear to think they are more likely to get stolen or something.

"Mark" wrote in message
...


IIRC instructors won't let you drive the car back after you pass the
test.

That's because the learners now think they can drive and do stupid things
after the test.
Notice I said learners.. passing a test just means you are able to continue
learning on your own, not that you now perfect.

dennis@home wrote:
"Mark" wrote in message
...

I also noticed that it costs more to insure my corsa than it does the
wife's Astra even though the corsa has a smaller engine, lower top
speed, etc. They appear to think they are more likely to get stolen
or something.

Maybe the Corsa would suffer more damage and cost more to repair than the
Astra in an identical crash.

Or maybe the smaller cars result in more personal injury claims than bigger
cars as the occupants are not as well protected.

--
Adam

On Tue, 27 Sep 2011 09:55:03 +0100, "ARWadsworth"
wrote:

dennis@home wrote:
"Mark" wrote in message
...

I also noticed that it costs more to insure my corsa than it does the
wife's Astra even though the corsa has a smaller engine, lower top
speed, etc. They appear to think they are more likely to get stolen
or something.

Maybe the Corsa would suffer more damage and cost more to repair than the
Astra in an identical crash.

Or maybe the smaller cars result in more personal injury claims than bigger
cars as the occupants are not as well protected.

Maybe the Corsa is newer?
--
(\__/) M.
(='.'=) Due to the amount of spam posted via googlegroups and
(")_(") their inaction to the problem. I am blocking some articles
posted from there. If you wish your postings to be seen by
everyone you will need use a different method of posting.

On Tue, 27 Sep 2011 09:06:01 +0100, Mark wrote:

On Mon, 26 Sep 2011 18:15:42 +0100, Ghostrecon wrote:

On Mon, 26 Sep 2011 17:58:00 +0100, Mark BR wrote:

"johno" wrote in message
...
The junior light of my life has decided that she would like dad to
give her driving practice in addition to paying for her lessons, so
kind. Before I agree to this and contact my insurance sharks, has
anyone a rough guide to how much extra they are likely to extort from
me, as a percentage ie is it likely to double my premium.
Thanks

There is a company that gives learners their own insurance on a monthly
basis, and it is reasonably cheap whilst earning no claims bonus. You'll
have to google it as I can not for the life of me remember the name, but it
is not a big name company.

The problem comes when you go for the test, if you pass you can not drive
home as you are no longer insured!

--
Mark BR

I think it was maramlade - very reasonable I think it £90 for 3 months for
a specific car - insurance ceases the second they pass the test - but
usually this is not a problem since test is usually taken in intructors car
for which he pays the insurance. Worked a traet for my step son - he
passed after about 2.5 months and I dont need valium anymore :-) just a
mortgage for his insurance

IIRC instructors won't let you drive the car back after you pass the
test.

well My step sons intructor told him to drive the car home (passed on
august bank holiday tis year) and I watched him drive up the road so there
was no doubt about it - that is not to say th rules havent changed in the
last month ....
--
(º€¢.¸(¨*€¢.¸ ¸.€¢*¨)¸.€¢Âº)
.€¢Â°€¢. Nik .€¢Â°€¢.
(¸.€¢Âº(¸.€¢Â¨* *¨€¢.¸)º€¢.¸)

Ghostrecon wrote:
On Tue, 27 Sep 2011 09:06:01 +0100, Mark wrote:

IIRC instructors won't let you drive the car back after you pass the
test.

well My step sons intructor told him to drive the car home (passed on
august bank holiday tis year) and I watched him drive up the road so there
was no doubt about it - that is not to say th rules havent changed in the
last month ....

I rather think it's a personal or company decision, not a rule as such.
Thirty mumble years ago, I was allowed to drive home after my test,
and my Mum, who had passed her test not long before, wasn't. Same
instructor, same car.

Then again, I was also told I'd passed my PSV test before I was even
asked the theory questions.
--
Tciao for Now!

John.

On Mon, 26 Sep 2011 10:31:58 +0100, dennis@home wrote:

At that rate its cheaper to not do anythign and pay the fine if
caught..

It may be cheaper to pay the fine, but its going to cost a lot more if
you have an accident.

Assuming you get caught and convicted and then have the resources to
pay and more than £10/week (on the dole guv, family of five to keep
fed... etc etc)

Like has been said high insurance premiums are a very strong
incentive not to have insurance, particulary if you don't have a big
income or any savings. As for a valid licence, if people are driving
without insurance then driving without a valid licence is small fry.
Same for MOT and tax...

--
Cheers
Dave.

On Sep 27, 9:32*am, "dennis@home" wrote:
"Mark" wrote in message

...

When I first added my wife to my car policy my premiums went down
slightly even though she had had an accident a couple of years before.

Insurance pricing is odd..
I recently looked around on the comparison sites for a cheaper policy for
the wife.
When I put her in on her own it came back as £580.
When I added myself as a named driver it dropped to £280.
Neither of us have made a claim or had an accident in 30 years (the only
previous claim was for a stolen radio).

Its with direct line now as it was cheaper than the comparison sites.

I also noticed that it costs more to insure my corsa than it does the wife's
Astra even though the corsa has a smaller engine, lower top speed, etc. They
appear to think they are more likely to get stolen or something.

I think the Corsa is considered a boy racers car, you often see them
with aftermarket alloys, stereos more powerful than the engine, chav
lights, and ice cream scoops fitted front and rear. Wouldn't be
surprised if only a small percentage tell their insurance companies
about the mods.

Philip

On Tue, 27 Sep 2011 09:03:35 +0100, Mark wrote:

Aviva are often cheap but do perform poorly on customer satisfaction
surveys (but then few have high scores for that).

I've been happy with customer service from Aviva for quite a while.
Couple of accidents, arranging hire cars, etc no problems and UK call
center.

I believe there are additional qualifications that can be taken (like
pass plus) which may help to reduce insurance premiums. And then
there's the pay-as-you-drive policies.

Is it the Co-op that has a GPS unit that monitors your driving,
automagically uploads the data and that allows them to adjust your
insurance permium accordingly. Drive like a lunatic and your premium
goes up, drive "sensibly" and it goes down.

--
Cheers
Dave.

Further to my initial request, yes Lobster you are right re Saga. I
got a flat no as well. They have a lower age limit of 25 and only
drivers with Full licences. I have tried Moneysupermarket and been
quoted anything from £1100 upwards. I am going to go with your
suggestion Ghostrecon and try Maramalade. It works out at £80 per
month and as she shows a good level of skill and confidence I am
hoping she will pass before Christmas!!
Thanks once again for some good tips guys

On Sep 27, 11:55*am, "Dave Liquorice"
wrote:
On Mon, 26 Sep 2011 10:31:58 +0100, dennis@home wrote:
At that rate its cheaper to not do anythign and pay the fine if
caught..

It may be cheaper to pay the fine, but its going to cost a lot more if
you have an accident.

Assuming you get caught and convicted and then have the resources to
pay and more than £10/week (on the dole guv, family of five to keep
fed... etc etc)

Like has been said high insurance premiums are a very strong
incentive not to have insurance, particulary if you don't have a big
income or any savings. As for a valid licence, if people are driving
without insurance then driving without a valid licence is small fry.
Same for MOT and tax...

--
Cheers
Dave.

Yes, sometimes wonder why do we bother to work hard, buy a house,
attempt to save for rainy days, stay on the right side of the law etc.
when so many fritter it all away on cider and cigs etc, get multiple
slappers pregnant and will live on handouts from the state (i.e you
and me) for the rest of their lives.

Philip

"Mark" wrote in message
...
On Tue, 27 Sep 2011 09:55:03 +0100, "ARWadsworth"
wrote:

dennis@home wrote:
"Mark" wrote in message
...

I also noticed that it costs more to insure my corsa than it does the
wife's Astra even though the corsa has a smaller engine, lower top
speed, etc. They appear to think they are more likely to get stolen
or something.

Maybe the Corsa would suffer more damage and cost more to repair than the
Astra in an identical crash.

Or maybe the smaller cars result in more personal injury claims than
bigger
cars as the occupants are not as well protected.

Maybe the Corsa is newer?

The corsa is five years, the astra six months.

dennis@home wrote:
"Brian Gaff" wrote in message
...
At that rate its cheaper to not do anythign and pay the fine if
caught..

It may be cheaper to pay the fine, but its going to cost a lot more
if you have an accident.

That's why lots of youngsters resort to fronting.

They really do want to be insured but cannot afford it.

--
Adam

Mark wrote:
On Tue, 27 Sep 2011 09:55:03 +0100, "ARWadsworth"
wrote:

dennis@home wrote:
"Mark" wrote in message
...

I also noticed that it costs more to insure my corsa than it does
the wife's Astra even though the corsa has a smaller engine, lower
top speed, etc. They appear to think they are more likely to get
stolen or something.

Maybe the Corsa would suffer more damage and cost more to repair
than the Astra in an identical crash.

Or maybe the smaller cars result in more personal injury claims than
bigger cars as the occupants are not as well protected.

Maybe the Corsa is newer?

I don't believe that having a newer car automatically makes the insurance
more expensive.

Of course females tend to have cheaper insurance than men.

--
Adam

On Tue, 27 Sep 2011 14:30:18 +0100, "ARWadsworth"
wrote:

Mark wrote:
On Tue, 27 Sep 2011 09:55:03 +0100, "ARWadsworth"
wrote:

dennis@home wrote:
"Mark" wrote in message
...

I also noticed that it costs more to insure my corsa than it does
the wife's Astra even though the corsa has a smaller engine, lower
top speed, etc. They appear to think they are more likely to get
stolen or something.

Maybe the Corsa would suffer more damage and cost more to repair
than the Astra in an identical crash.

Or maybe the smaller cars result in more personal injury claims than
bigger cars as the occupants are not as well protected.

Maybe the Corsa is newer?

I don't believe that having a newer car automatically makes the insurance
more expensive.

Not automatically. However a much newer car may be worth more and
hence attract a higher premium.

Of course females tend to have cheaper insurance than men.

Not for much longer.
--
(\__/) M.
(='.'=) Due to the amount of spam posted via googlegroups and
(")_(") their inaction to the problem. I am blocking some articles
posted from there. If you wish your postings to be seen by
everyone you will need use a different method of posting.

Mark wrote:

Maybe the Corsa would suffer more damage and cost more to repair
than the Astra in an identical crash.

Or maybe the smaller cars result in more personal injury claims
than bigger cars as the occupants are not as well protected.

Maybe the Corsa is newer?

I don't believe that having a newer car automatically makes the
insurance more expensive.

Not automatically. However a much newer car may be worth more and
hence attract a higher premium.

In many cases the value of the car is not important. A new car has more
safety devices to protect the occupants and so keeps the personal injury
costs down.


Of course females tend to have cheaper insurance than men.

Not for much longer.

I know, I have seen the news on that one.


--
Adam

On Tue, 27 Sep 2011 15:11:52 +0100, "ARWadsworth"
wrote:

Mark wrote:

Maybe the Corsa would suffer more damage and cost more to repair
than the Astra in an identical crash.

Or maybe the smaller cars result in more personal injury claims
than bigger cars as the occupants are not as well protected.

Maybe the Corsa is newer?

I don't believe that having a newer car automatically makes the
insurance more expensive.

Not automatically. However a much newer car may be worth more and
hence attract a higher premium.

In many cases the value of the car is not important. A new car has more
safety devices to protect the occupants and so keeps the personal injury
costs down.

But there would be more to payout if the car was stolen or written
off. The value that I give my car does effect the premium so it's in
one's interest to keep it as low as possible.
--
(\__/) M.
(='.'=) Due to the amount of spam posted via googlegroups and
(")_(") their inaction to the problem. I am blocking some articles
posted from there. If you wish your postings to be seen by
everyone you will need use a different method of posting.

On Tue, 27 Sep 2011 09:32:12 +0100, dennis@home wrote:

"Mark" wrote in message
...

When I first added my wife to my car policy my premiums went down
slightly even though she had had an accident a couple of years before.

Insurance pricing is odd..
I recently looked around on the comparison sites for a cheaper policy
for the wife.
When I put her in on her own it came back as £580. When I added myself
as a named driver it dropped to £280. Neither of us have made a claim or
had an accident in 30 years (the only previous claim was for a stolen
radio).

It's only odd because life is odd ... actuaries (who make accountants
look positively decadent) sit on mountains of data cut every which way.
Clearly the pricing engine has an actuarial table which says that 2
drivers in your circumstances have a lower risk than one. Possibly
because fewer men have accidents when they are not driving alone (and the
engine assumes your 2 driver quote implies you will be accompanied,
whereas a single-driver quote doesn't).


Its with direct line now as it was cheaper than the comparison sites.



I also noticed that it costs more to insure my corsa than it does the
wife's Astra even though the corsa has a smaller engine, lower top
speed, etc. They appear to think they are more likely to get stolen or
something.

People often confuse why they insure a car ... it's all about the damage
it can do ... so again the actuarial records will show that Corsas cause
more damage (i.e. cost the insurer more) than Astras.

On Tue, 27 Sep 2011 09:55:03 +0100, ARWadsworth wrote:

dennis@home wrote:
"Mark" wrote in message
...

I also noticed that it costs more to insure my corsa than it does the
wife's Astra even though the corsa has a smaller engine, lower top
speed, etc. They appear to think they are more likely to get stolen or
something.

Maybe the Corsa would suffer more damage and cost more to repair than
the Astra in an identical crash.

Premiums are only slightly concerned with fixing a car under fully
comp ... it's all about the damage the car (and driver) can do to 3rd
parties ...

Or maybe the smaller cars result in more personal injury claims than
bigger cars as the occupants are not as well protected.

Not really ... most car insurance is concerned with what *your* car (in
your hands) will do to someone else.

On Tue, 27 Sep 2011 16:16:58 +0100, Mark wrote:

On Tue, 27 Sep 2011 15:11:52 +0100, "ARWadsworth"
wrote:

Mark wrote:

Maybe the Corsa would suffer more damage and cost more to repair
than the Astra in an identical crash.

Or maybe the smaller cars result in more personal injury claims
than bigger cars as the occupants are not as well protected.

Maybe the Corsa is newer?

I don't believe that having a newer car automatically makes the
insurance more expensive.

Not automatically. However a much newer car may be worth more and
hence attract a higher premium.

In many cases the value of the car is not important. A new car has more
safety devices to protect the occupants and so keeps the personal injury
costs down.

But there would be more to payout if the car was stolen or written off.
The value that I give my car does effect the premium so it's in one's
interest to keep it as low as possible.

Only for fully comp. Most kids would have to consider TP (prolly sans
F&T) as a necessity