Thanks for that. I'll give that a go. As his mum I'd like to be useful for something other than cooking and cleaning :)
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We have just put our 18 year old daughter on a group 12 car.
I gave the insurance £975 ( for 9 months balance of term) plus an extra £1000.00 on top of our £300.00 odd preium 9 months ago.
Which is to say up to now she was on as a named driver
= £2,600.00 odd, this with both parents (=us) and her 19 year old brother on a named drivers.
It was not significently cheaper to insure her in a newer lower group car.
I asked.
Not too bad I thought........bearing in mind our NI excessive claim culture.
If we buy tiddles a car of her own the UFU will give the full 30% discount at the end of the first 6 months which helps a bit overall.
Edited by dieseldogg on 13/06/2011 at 09:54
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I hope everyone realises that the value of a young driver's car is immaterial to the underwriters. I get sick of people complaining about high premiums saying that the car is "only worth £500".
It's the risk of him putting his friends in wheelchairs he's paying for.
Thanking you.
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Or not paying for, as will be the case with such ludicrous quotes. Insure it as your car and put the son on it as a named driver, insurance company wont know any different. My parents did it for me when i started driving, passed it off as their car and cut my premium by two thirds. Ok they did use the car too at times but by and large it was mine i'd say but we may just be debating symantics, mileage was probably reasonably even all told. I know the holier than thou preachers on here will shoot me down for this and fair enough, i just know we did what worked best for us at the time, we did it for a year, then after that i was able to do it myself. When you're a household on a limited budget you do things the cheapest way possible. The only time it'd matter is if he has an accident, make sure you drill it into him to claim its the first time he's driven it.
Fronting, illegal, etc etc blah blah mumbo jumbo, couldnt give a f*** to be quite honest, if they must charge thousands to insure a little snotbox then what do they expect. The real scandal is the fact a girl the same age as me back then on the same car already got 50% off. The sooner we stop assuming every young driver will write off £6k worth of Britain and murder 7 people and treat them fairly then premiums will become reasonable. Although i would advise to any new driver to (if possible) wait a couple of years before trying to buy a car, just having a licence for a while helps the price come down even if you dont drive in the meantime (work that one out).
Edited by jamie745 on 15/06/2011 at 01:54
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Wow.................... well thanks Jamie........................ who says we ( and others who act correctly) are wealthy? or big earners?, frugal (or even moderate) living can pay for a lot when a lot is needed.
i.e. Live within ones means!
btw I suppose you generally abuse the insurance system in any/all other respects if these are your standards/morals?
We ( and the decent honest others ) then subsidize you and your like.
This whole attitude makes my blood boil.
Edited by dieseldogg on 15/06/2011 at 09:45
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Luckily, I'm so rich that I can afford to do everything legally. My daughter has her own insurance, in her name so that all of the miles she does are roughly......hers.
< >
They, like many other people will expect you to pay your share. or do without.
Must dash, just off in my recently restored Beaufighter to pick up my new,custom built, Spirit Yacht before heading out to the Antilles.
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Oh come off it, do you think insurance companies have values and morals? Dear god. They're run by lawyers who dont have such words in their dictionary. Your insurance company wouldnt think twice about screwing you over if it suited them so take the most you can get for as little as possible, thats what i always say.
Do i have respect for insurance firms? No. I only purchase insurance because its a legal obligation, most of the companies would go bust if the Government werent their right-hand-men and forcing people to use them (RAC survey last year said three quarters of drivers would drive without it if it werent compulsory). I know that they rake in billions a minute and would have no qualms in completely screwing me over on the one occasion i needed their help, so no i dont give them any more money than what is absolutely required.
This was nearly 10 years ago now so to me it doesnt matter anymore, i never hit anything or claimed on insurance so you poor people didnt subsidise anything (well, an insurance company didnt rake in money it didnt need, oh poor them, cue the violin). My father had a heart attack when he saw the quotes i got and decided he'd be insuring the car for me because "thats what parents do isnt it? help their kids out?" his words not mine. When you're 18 and someone offers to cut your insurance bill by 60% you dont argue with them.
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If you think it's so easy for insurance companies to make mega profits at the expense of their customers - just set up your own insurance company.
Premiums are set according to risk - youngsters COST more on average - so the premiums are higher.
It's nothing to do with paying what you can afford - that's the communist business model, not discredited.
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Jamie you can't seriously be advocating fronting!
Anyone whose parents are willing to let them drive as teenagers should expect high costs. I was 24 when I learnt to drive as my parents couldn't afford to insure me when I was 17, and then I went off to uni. I think it's better, as I was much more mature and sensible.
Unless you live in the countryside, in which case I can well understand learning ASAP.
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Well i didnt cost my insurance company anything so anything they got was a bonus for them wasnt it. And stop defending insurance companies, sitting there defending multi billion pound companies just makes me want to hand you the worlds smallest violin.
At the end of the day we just did it the cheapest way round possible, as most people would do, i wasnt brought up to pay anymore than is completely neccessary for anything. If insuring it one way comes out at 2k, and doing it another way is 800, its a no brainer which way round you do it.
Yes Bobbin i do advocate fronting as anything which stops insurance companies making money is a brilliant idea in my book. And the fact that at 24 you got cheaper insurance than at 17 despite no driving experience or anything in the meantime (so you couldnt possibly of become a better or worse driver in the interim) shows how deeply flawed the system is anyway. I wouldnt say i lived in the countryside but i was in a place not well served by buses or trains at all, working outside 9-5 wouldve been impossible unless you could afford taxi's and it was a neccessity to get on the road as soon as possible if i wanted to get on with my life and get doing things. I'd personally say im a worse driver now than i was when i was 18, at 18 i'd drive "by the book" as it were, exactly textbook for at least two years before i started to slack off, i suppose everyone is different. The insurance firms idea of an 18 year old is someone who crams 7 mates in the car and crashes into a bridge and puts everyone in hospital, well at that age i didnt really have any friends and loved the car too much to drive it quickly LOL, it was only an Escort but it was mine, and i hated the thought of it even getting scratched, sometimes people would tell me to drive faster, i was "afraid of hurting it" LOL!
And yes the parents should expect high costs, but the moment my parents saw how much cheaper it wouldve been if i was a girl was when they got very angry and that was when my Dad decided he'd insure my car for me, as i said earlier, when you're 18 and getting on the road is all that matters to you, if someone offers to cut your insurance bill by more than half then you take it.
Ive met youngsters who pay so much for their insurance they cant afford to put the petrol in to come to work so they end up selling the car and staying at home on benefits, i just dont agree with charging the lowest earners (typically the young people in most cases) the highest premiums. I think the 40-50 somethings should be paying the most, people who passed their test 30 years ago and would never pass todays gruelling examination, the type who think because there was nothing there yesterday they can pull out without looking today, its those who are the real menace.
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Jamie your parents fronting your car could have resulted in a fraud conviction for them, in addition the Insurers could void their policy which will mean your parents would have found it incredibly difficult purchasing any type of insurance including motor, household and life insurance for the rest of their lives. If the policy was voided after a claim, the Insurers would not pay the cost f your own damage but would normally have to pay the other parties damage and injury claims. They would then pursue your parents for their outlay, if the claim was a big claim (They are surprisingly commong especially for young drivers) it could mean they would be bankrupted and may even lose their house.
Insurers are very good at discovering fronted cars, there are plenty of give aways that they will look into and these are normally discovered when you have a claim.
Advocating fronting to other people without pointing out the potential pitfalls to a parent is unwise. You may have got away with it but there are plenty who don't and it can be a very expensive lesson.
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"I think the 40-50 somethings should be paying the most, people who passed their test 30 years ago and would never pass todays gruelling examination"
OH JAMIE THIS ABOVE QUOTE MADE ME LAUGH....
excuse me,,,in my day we didn't have ABS on our emergency stop during the test, and the new test STILL doesn't include any motorway lessons....
I'm 41....and the last accident I was involved in was being hit from behind whilst stationary at red traffic lights....the young chap driving was to busy with his cd player to look out the window.....my first two cars didn't even have radios.....
(I pay £400 for myself and my elderly hahaha 40 year old wife to drive my 2 litre volvo full comp, protected, unlimited miles, driveway parking...........no i don't own a pipe or slippers or own anything with tweed in it....)
Old people like me in there 40s have over 20,000 miles per year experience to take into consideration....
.cheers for the comments jamie....hahahaha.....
(and yes my first cars had carbs, 4 speed boxes, and rust holes you could put your hands through...and they where less than 6 years old "isopon" was my middle name....that will confuse you!!.....hahaha)
bet you'll like this one jamie.....my wife rang me on my car hands free kit the other week whilst driving home in my volvo, and she said its just been on the radio that some nutters driving the wrong way down the motorway....i replied theres not just one theres thousands of them......(that was humour and not real.....)
Edited by Paul G1pdc on 16/06/2011 at 18:06
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Oh honestly Paul you will have to put yourself out to pasture and stop menacing the roads with your terrible driving <wink>
Besides which, on Jamie's calcs you passed when you were 11 so you did well to even reach the pedals ;-)
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In response to dacouch, lots of things couldve happened but they didnt and thats what matters. The shouldve, couldve, wouldve's of life are unimportant, what matters is what does happen. You say insurance companies are good at spotting these cars, well they didnt spot ours so they're not brilliant, you say they spot it when you make a claim, well i never made a claim on it so it never became an issue. In fact ive never made a car insurance claim in my life, meaning all ive paid in insurance is money down the drain. In my experience if you pay your premiums on time and dont ask them for anything, insurance companies generally leave you alone and couldnt care less.
I remember saying at the time to my Dad "wont this cause a problem if i have an accident in it?" and his response was a brilliant solution to the problem. Quote: "well dont have a crash then!" I didnt, and it wasnt a problem. Sorted.
And yes parents should be aware of the pitfalls of it, make sure you drill it into the kids to A) Not have a crash and B) If you do, claim you've never driven it before.
A good idea also is to pick a car which an insurance company/police would never think belongs to a 17 year old. If its a modded Saxo with a big exhaust then its a giveaway, a standard Mondeo LX or an old Volvo or something is more believable to be the parents car.
And in response to the other idiot who had his tirade about young drivers, by my reckoning you passed at most 24 years ago, so to come out with the "back in my day you know..." and pretend all your early cars still had a strap at the front to attach to the mule is a bit silly. And the pleb who hit you did so because he's an idiot, not because he had a CD Player, most of us would wait until we'd stopped at the lights and THEN change the disc.
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I can only figger that Jamie nor his parents had owt to loose?
And would expect to be compensated/bailed out by those who "could afford it" if/when the need arose.
Jamie, son, you are coming across as a stupid arrogant selfish young prat.
Does anyone "plan" to have an accident
( & Yes I do realize that some do plan their accidents and claim big)
Hey let none of us bother with insurance, I would be umpteen thousand richer by now in that case
Oh & drive on red diesel, that would have saved me another 20 or 25 k
And I might as well have a wheen of pints as well since I choose to ignore all those other laws.
And never worry about those silly speed limits they are for the rich to obey.
I cant afford to.
jhc!
Edited by dieseldogg on 17/06/2011 at 11:34
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Jamie, son, you are coming across as a stupid arrogant selfish young prat.
You missed out narcissistic, conceited and god complex.
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In contrast, I think he comes across as an intelligent and eloquent adult, who makes many valid points about the state of the insurance market in Rip-Off Britain.
Is in not time yet for the government to step in and regulate what has become a free-for-all money machine for the big corporates?
Perhaps I have answered my own question there.
If insurance is to work for society it must reflect the risk fairly and equitably, otherwise society will find a way around it.
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Some interesting views here but with one common theme, parents paying for almost if not all motoring costs of their offspring.
An important part of parenting is teaching your children to budget and stand on their own two feet whilst providing a shield of protection for them.
Spoiling them thus by paying for their transport costs does them and their potential employers no good at all.
Never heard anything like it, little wonder some of them can't get a job or keep it if it involves a bit of hard work, reliability, responsibility or self sufficiency...SWM recently heard someone famous commenting on the joy of employing some youngsters, seems he even receives complaints from mothers that he works their little darlings too hard...apparently the East Europeans he employs have no such problems providing an honest days work....sighs and shakes head.
There's insurance companies of all sorts out there, i disagree with the suggestion that all are out to screw their customers. My insurance company is honourable at all times and very fair in the event of a claim, paying out without quibble more than the vehicle was worth because of it's high maintenance and exellent pre accident condition.
And paying a houshold claim (lightning stike electrical damages) by simply trusting my word and never so much as sent someone to look at the damaged goods.
However honour, trust and fair play is a two way street, i didn't seek to make money out of my household claim, just replace like for like. It seems some may have the insurance companies or the attitude from them that they deserve.
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So parents should stop helping their kids out in order to benefit them in life? What a load of rubbish. Motoring is expensive for young people, and young people tend to earn the lowest wages (if they earn any wage at all) most need their parents help, most parents like mine are happy to do so. The problem is you need the money to learn to drive and buy the car but most employers wont give you a job unless you have a driving licence and a car, so somebody else has to pay for it. Older people of about my parents age were able to leave school at 15 and get a basic job somewhere and earn some money, companies simply dont take on school leavers anymore, some of the latest research shows alot of people dont get their first job until they're early 20s (as alot go into further education now, as its difficult to get taken seriously without qualifications). Most cant get a job because there arent any, when i was doing a recruitment thing at work i had to contact our local job centre and asked how many claimaints they have and how many jobs they have advertised, over 5000 claimants with 246 (i think) jobs available, basic maths tells you that doesnt go, especially as the vast majority of them jobs (i looked) required a driving licence, so youngsters without them are in a difficult position. Companies dont trust young people anymore out of prejudice like what you're exhibiting here, has nothing to do with their parents paying for car insurance, the ones who have a car have a better chance of getting a job, proven fact. Even university graduates go back and do masters because there are no jobs and every b****** has a degree now that a BA is pretty meaningless. When i was 18 i dont remember being asked in a job interview "did your parents buy you your car?". People employing eastern european illegals are another major problem and should be put in prison, dont try and tell me its us who has to do ourselves down, scrape beg borrow and steal in our own country to get given a job ahead of some illegals because they'll build a bridge for ten quid. And there are unique skills involved with employing young people and if your friend doesnt have those then thats his problem.
Youngsters cant get work because their parents help them pay to learn to drive and get a car. Thats a new one on me. I'll keep hold of that. Nothing to do with economic meltdown, Tories scrapping future jobs fund, Tories cutting most help for young people, employers having the pick of the world to choose from (when 90 experienced people apply, what chance do the 10 kids have?) nothing to do with increased transport costs making it impossible for people to travel, nothing to do with employers preferring illegals or eastern europeans instead, nothing to do with employers prejudices against young people.
So long as we all know :)
Edited by jamie745 on 26/06/2011 at 15:57
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Oh Jamie thanks for that, im tied up at the moment with a barbie for mainly younger folks who've taken time from the jobs they somehow managed to get, for a birthday clebration, so this will be quick.
Sit back and reread your post, and then put yourself in the position of an employer trying to keep a business together in these difficult times. Do you employ an East European who has every right to work here**, a self sufficient non winger who'll turn up every day without fail on time at 4am or whatever shift time is required and work hard, or do you employ the other sort, those who apparently can't get anywhere unless in a vehicle bought and paid for by someone else, who in lots cases are totally unreliable and incapable of a days work.
I know where my money would most likely go, and most EU employees travel together in one car or walk, i know because i work with a lot of them.
I have a relation with a small engineering repair type business (heavy plant) who has tried to get a trainee, he's bemused at the general pysical weakness and aversion to a bit of hard work of some youngsters especially if it means getting their hands dirty.
We need some backbone in our youngsters if they're going to compete.
** if you don't want to be a member of the EU therefore changing the entitlement of some migrant workers, you'll have to never again vote for the Lib or Lab or the Con party, each part of the three headed serpent is totally committed to the EU. Not one of them has dared to offer a referendum, though if they did it would probably be along Irish lines where you keep voting till you get the correct result.
By the way the chap commenting on mummies boys unable to cope with a weeks work isn't my friend, gets on me wick to be honest as most celebs do, but he has made a successful and lucrative large business network and i respect him, he's employing a lot of people as a result, that makes his opinion very valid in my humble.
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The economic crisis excuse is a non starter, thats not a good enough reason for putting our young people out of work and handing British jobs off to foreigners, the same foreigners who now f*** off back to Estonia or wherever they've come from because the pound is too weak for them now, leaving our youngsters there with no experience and planks like who you're talking about prejudiced against them. I just dont believe in visitors to the country being head of the que for anything, and i'd expect that to be the case everywhere, i wouldnt expect preferential treatment if i moved abroad. And the previous Government's horrific mistake on the Poles should be justification to leave the EU, they estimated around 100,000 would come it ended up nearer a million, and dont tell me that can happen without negatively affecting the british population. That alone should be justification for shutting the borders.
I dont directly employ people but i am often asked for recommendations and ive personally never found myself recommending the foreign applicants, nothing to do with because of where they come from actually it has to be said but mainly because they tend to not have the skills we look for and nor do we actually get many apply, i get the feeling alot of the immigrent community tend to favour/best suited to/prefer (delete as applicable) the manual work, yes they could build us a wall but thats not what we do. Its more office based, IT stuff so the A level whizzkids computer geeks tend to get the job. This country is more of the IT generation now with our kids wanting to work in "software design" so maybe thats a difference in culture which i could agree with. Very few British kids grow up wanting to build cars or do engineering or anything like that, which is a shame in many ways as its a sector which has almost vanished in this country in recent decades. But when you can become a millionaire out of making a website its easy to see why they're all so keen on computers!
And your comment of "cant do any work unless a vehicle is bought for them" well im afraid mate in alot of cases thats true, we dont all live in the centre of London with a bus every three seconds, if you lived in places like i did as an 18 year old or whatever you were heavily limited to where you could get to, meaning having a car would open your scope up so vastly, the options were either to move, which we couldnt afford, or my parents pay for me to drive and get a car so as i wasnt stuck at home on the dole until i was 35, ultimatley it ended up the right decision, the job i eventually got i wouldnt of been able to get to if it wasnt for having a car, not unless i wanted to walk 2 miles from the nearest bus stop and get there two hours early (which you wouldnt put up with so dont tell me we should have to). Until the more rural areas are well served by public transport, which wont ever happen because trains dont even work in the heat now (the wrong type of heat today apparently, all shut down) it wont improve. Public transport is absolutely useless. Snow, wind, rain, heat, sun, clouds, mildly overcast etc it all shuts down.
In fact public transport outside of London is so horrific where i work its standard policy to not employ anybody who doesnt have their own car, as they cannot be relied upon to get themselves here by public transport, because when we've had people who use trains and buses before, they're late at least twice a week (and we checked the problems with the trains, so i know they were telling the truth) and thats just no good to anybody, no good at all. Of course they could get the earlier one but that'd leave them stuck outside a locked building for an hour in the morning potentially in wind, rain and cold, and we dont pay people enough to put up with that so we cant do that. So it is policy now that even though its an office based job with no driving in most roles involved they must have thier own car to be allowed to apply. And we're not the only place, i can assure you theres plenty which now demand a driving licence even for non-driving roles.
As for your comment of car sharing, in my experience of being a youngster with a car my parents wouldve never allowed that. Paranoia that if you have friends in the car you'll crash etc, i was always told to drive on my own, and im not the only one, parents are protective of their kids and dont want to see them given a raw deal. This is Britain, not Estonia, we dont expect to work ourselves into the ground for £4 a day and a bag of chips, we expect people to pay a proper wage for a proper job and the sooner we pull out of the euro union and stop letting eastern europeans undercut us to then take british money back across the tunnel into the thieving financial parasite which is Europe then this country will be great again. You say our youngsters need backbone to compete with them, im sorry but this is Britain, we shouldnt have to compete with foreigners, why should we have to do ourselves down to their level in order to compete for work in our own country? Wrong mentality im afraid, keep going down that road and this country really will be dead. Hey i hear lots of labour workers in the middle east dont get paid and dont use safety equipment, maybe we should encourage our kids to work for free and in a dangerous environment, y'know, so as they can compete.
We need to reclaim this pleasant land!! This....England!!!!
Edited by jamie745 on 28/06/2011 at 02:52
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EDIT: Just realised i may have said a bit too much and probably nobody is going to bother reading the above post but i would like to make it clear i have no problem with people doing an honest days work for honest money, i started out cleaning cars as a school leaver for a second hand car trader, terrible money but i used to get to take bits home as perks, sold them on ebay and enterprise began. But the fact is ive been there where its almost impossible for young people to get work and ive known people who've had it far worse than i did and i just feel its because so many employers just dont give them a chance. I knew when i got given a chance i'd do everything to make the best of it, and i did, but not enough young people get those chances. I always said that when i was in a position to employ people directly i'd be looking to "give people a chance" as it were, and i do intend to stick to that for whenever the day comes when its applicable.
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Flamin' hell J - you on the sauce again mate?
p.s. Estonia is actually quite nice.
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Jamie, there's very little we disagree with in principle following your two good posts from the early hours of thismorning.
However that which we hope for, withdrawl from the EU isn't going to happen anytime soon if ever, too many lucrative careers etc at stake.
The facts of the stiuation however remain as they are, the foreign workers are here to stay and they are good workers, things have changed here and the repercussions will be felt for generations to come. Everything is now down to cost, including the public sector and benefit culture, as for cutting those spiralling costs we haven't seen the start yet....though cuts for our own people when we can give £millions we've borrowed to other nuclear heavily armed countries seems an odd way to go on, but there you go, very little politicians of the last 40 years have done was in my name or with my vote.
To get themselves head and shoulders above the competition anyone of any age wanting well paid work will have to convince and prove by references that they are worth employing, by getting a job, any job it doesn't matter what and doing it well, establishing a checkeable history of reliable and hard working honesty.
I quote you from a previous post of yours.
''And there are unique skills involved with employing young people and if your friend doesnt have those then thats his problem''
Two problems here, what unique skills are those pray, he pays a wage he expects reliabilty and work in return, nothing unique there, and secondly it's not his problem, it's theirs, he's paying which means he's the customer, they're selling their labour...the customer is always right.
Some reality checks needed and sharpish, despite what many youngsters have been led to believe not everyone can be a high roller, not getting the high flying roles doesn't mean that normal people can't make a good life for themselves either, it might mean they have to work harder for it though, any job will do to start with, then either work up the ladder or use the experience and resulting work history to get better work, thats how millions of us have got on.
It means not getting drunk every night, never taking drugs of any description, being prepared to work all hours of the day and night, in young mens situations in particular it means growing a pair and becoming a man.
I applaud your principle of giving people a chance, the reality is slightly different sometimes, with huge swathes of people give them an inch and they'll take the yard every time, much is down to attitude.
Gettting back to the car insurance situation, a car is not a right it is a privelidge, what's wrong with riding a bike for a while, it may not look cool and hopefully might mess up a stupid gelled hair cut, but then the dole looks really uncool to me.
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Interesting post, agree with some of it, i'll ignore the rest LOL!
As for the last bit of the car not being a right, true, but it is a neccessity for most people, 33 million (half of the UK's population) wouldnt be paying through the nose to run a vehicle of some kind if it wasnt required. The strange way life works is that the job i have now i could cycle to, but the job i got at 18 was only accessible by car, and now i have two cars, work that one out. Although i never learned to ride a bike as my parents deemed it too dangerous and wouldnt of ever been allowed to use a bicycle to get to work anywhere, my parents wouldve never allowed that, some on here may claim they had loose morals with the insurance thing but they were incredibly protective over safety and im sure they werent the only ones, all my friends at the same time wanted bikes or mopeds to get to jobs in and their parents told them basically not-a-chance-in-hell and paid for them to learn to drive a car instead, safer.
Agree with the comment about the public spending, quite how we can budget £9.4billion to give to terrorist harbouring nations im not sure, quite how we can spare almost £300million on the Libya conflict (thats nearly what its cost us thus far) is anybodies guess, when we're deciding lollipop people are too expensive and our elderly and disabled arent worth saving. Also Labour's future jobs fund which was working well (not brilliant, but it was something for young people) was instantly scrapped due to its relativley nominal fee but the Tories can find money from nowhere to Bomb a country using arms which we sell them to kill their own people. Hmmm. But thats an argument for another day.
I'd just sum up by saying i dont believe that parents wanting to help their kids and backing them financially to open up opportunities in their lives when they're young is a bad thing. I also feel theres always goign to be some useless unreliable muppets regardless of what you do, its not the fact their parents bought them a car is what did it. I personally dont like children and dont intend to have any but if i did i know i'd do anything it took within my power to make their lives easier or to give them more opportunities. I dont think thats a bad thing.
Edited by jamie745 on 28/06/2011 at 15:09
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If Britain is such a rip off, why is there such a lucrative trade bringing people in?
Those who don't like it here could stuff off elsewhere. Try Afghanistan.
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Hey at least Jamie is a well balanced individual.
With an equal number of chips on each shoulder.
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It's also a myth that insurance for the young is more than it used to be, in me experience it isn't.
At 17 I was offered a car for free. I was told by my parents that I could have it if I paid for it. The insurance quote for me was about £800 (£2210 at today's values).
I dropped the idea, waited until I'd done Uni, had aged a few years and bought a car - insurance was then £350 (£632) on a car which cost me £300.
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insurance was then £350 (£632) on a car which cost me £300.
There's a good point too - think about how much the insurance is in comparison to the value of the car. I pay about a seventh of the value of my car, for my insurance. I tested out insurance for a Porsche on Confused or somesuch and got a slightly higher figure, but the number was more like 1/30th the value of the car.
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