Young Drivers

[LancYorkYankee]

Very excellent point Less! I was more thinking of the insurance being on the driver rather than on the vehicle. I believe over here, I am covered by insurance whenever I step in a vehicle. Either way you're right. One must consider the selfishness of driving uninsured!

Brian

[***Mr D***]

Originally Posted by LancYorkYankee

Very excellent point Less! I was more thinking of the insurance being on the driver rather than on the vehicle. I believe over here, I am covered by insurance whenever I step in a vehicle. Either way you're right. One must consider the selfishness of driving uninsured!
Brian

Most driver here in the uk over the age of 25 also have the privalege of driving other motor cars, be it Third Party Only cover, they are still legal.

If the car was on a hill and the handbrake failed (I have seen a few of these) the car rolls down the hill and causes damage, whos paying if the car isnt insured.

A safe uninsured driver. yes they are about, but as said this doesnt help when the brakes fail or a tyre blows and they cause a RTA with injury to other INNOCENT partys.

I feel the passenger restriction rule would be a step in the right direction though.

[Neil]

Originally Posted by ***Mr D***

Most driver here in the uk over the age of 25 also have the privalege of driving other motor cars, be it Third Party Only cover, they are still legal.

I think if you read the small print on your insurance documents it will say you are covered 3rd party on any car but, only when that car does not belong to you and is already insured by it's owner.

[***Mr D***]

Originally Posted by Neil

I think if you read the small print on your insurance documents it will say you are covered 3rd party on any car but, only when that car does not belong to you and is already insured by it's owner.

I have yet to read any small print the say the other car must be insured.

The vehicle must not belong to the proposer or be hired to him under a hire purchase agreement. This is the typical wording.

[chav1]

i mentioned this before

i rang tescos whe i was asking about when i was looking at another car and to drive it home i would have t eiter switch my policy to the car or make sure the owner of teh car i was buying had insurance

i rang again recently after having this discussion and was told that i could not drive another car on my fully comp policy unless the cars owner also had insurance

[***Mr D***]

Originally Posted by chav1

i mentioned this before

i rang tescos whe i was asking about when i was looking at another car and to drive it home i would have t eiter switch my policy to the car or make sure the owner of teh car i was buying had insurance

i rang again recently after having this discussion and was told that i could not drive another car on my fully comp policy unless the cars owner also had insurance

I have read 20+ Policies. I have spoke to people with a lot of Insurance Knowledge.

98% of Policies - Some may be badly worded

If you are granted the Driving Other Cars Extention. 98% of policies the other car.
DOES NOT NEED TO BE INSURED

[***Mr D***]

Taken From Tesco's Policy Wording.

Section A - Third Party Liability

1. Indemnity to the Policyholder
   
   We will indemnify You against legal liability for damages, claimants costs and expenses in the event of an accident
   Involving:
   1. Your Car.
   2. The driving by You, with the owner's permission, of any motor Car not belonging to You and not hired to You under a hire purchase agreement provided that:
      1. You are entitled by Your effective Certificate of Motor Insurance to drive such a Car.
      2. You observe the licence conditions applicable.
      3. There is no other insurance in force which covers the same claim.
      4. The Car is being driven in Great Britain, Northern Ireland, the Republic of Ireland, the Isle of Man or the Channel Islands.
      In respect of:
      1. Death of or bodily injury to any person.
      2. Damage to property up to a maximum of twenty million pounds subject to General Exception 5.
   Commentary
   
   This Section shows the cover provided for claims made by other parties for bodily injury or damage to their property.
   This part covers claims made against You.
   Cover operates for accidents involving Your Car or (if You are permitted in the Certificate) while You are driving someone else's Car.
   If your Certificate permits You to drive someone else's Car then it should only be in the event of an emergency.
   THIS SECTION DOES NOT COVER ANY LOSS OR DAMAGE TO Your Car OR THE CAR YOU ARE DRIVING.

Who ever you spoke to at tesco's gave you wrong information IMO.

[WillowTheWhisp]

Originally Posted by LancYorkYankee

Oh, forgot to mentioned it is require that all drivers have insurance. I expect there are probaly 10 - 20% that drive without it but that's okay, these are the same blokes who don't have a license or it had been suspended.

That's the same as here I would guess. The problem here is that the fines for driving without insurance are a lot less than the insurance itself, which is barmy.

The insurance for young people over there sounds far more affordable.

[Kitkat]

So there is some good points in getting old

[SamF]

Insurance is simply too high for a young driver. I get paid 176 quid a month and I could barely pay the insurance on a car. Now thats not including buying, servicing, running the car or the 76 quid a month that I put into a savings account etc.

So getting a car is pretty much out of the question for me, my plan is to get the license as soon as I turn 17 before the test gets harder and then wait until I come out of uni to get a car, when, despite the fact I will have gone over 4 years without driving, my insurance will be lower.

[chav1]

ask a parent to put you on tehir policy , even if you dont actualy drive their car you will have 4 years no claims when you get your own car and policy - i think !

mr D where are you lol

thats if its not too much to put you on their policy

[***Mr D***]

Originally Posted by chav1

ask a parent to put you on tehir policy , even if you dont actualy drive their car you will have 4 years no claims when you get your own car and policy - i think !

mr D where are you lol

thats if its not too much to put you on their policy

That is a way of possibly reducing the premium.

However Insurance Companies are wise to this now, if the parent has there own vehicle insured also they will just rate on the youngest driver on the policy.

Named Drivers on policies as a norm do not get No Claims Bonus,

However some will look at it (Direct Line) IIRC will give a No Claims Bonus
to named drivers, now whether that is with them only (and who says they will be cheap) I am not sure.

17Yr olds (male inperticular) will find it very difficult to obtain insurance due to the huge costs involved.

You Checked With Tesco yet Chav.

[Lampman]

I can't really understand the Insurance companies tarring every young driver with the same brush.
My daughter became a Driving Instructor and advance motorist at 22,but her Insurance premiums only dipped once she was 25.
Strange but true!

[garinda]

Originally Posted by chav1

ask a parent to put you on tehir policy , even if you dont actualy drive their car you will have 4 years no claims when you get your own car and policy - i think !

mr D where are you lol

thats if its not too much to put you on their policy

No, it doesn't work like that.

I was on my parent's insurance for over twenty years, and never needed to claim.

When it came to insuring my own first car a couple of years ago, all those years didn't count for jack, and I had to be classed as a new driver.

[LancYorkYankee]

Kids here can only stay on the parents policy until they're 21 (usually while in college) or no longer a dependant.

They've also talked of linking being able to get your first license based on being in school and getting "good" grades. I'm not sure if that's just passing grades i.e. As, Bs, Cs, Ds, no Fs, or getting just As, Bs, and Cs. Thereby both encouraging getting kids to not just pass high school but to actaully put their minds to working at their capacity.

Any thoughts like that over there?

Brian