Grandad.Malky Posted July 17, 2011 Share Posted July 17, 2011 For young people, the cost of a car is cheap, running a car is cheap. Insurance is expensive. Petrol could be £5 per Litre. Insurance would still be the prohibitive cost. Why the hell should a youth pay multiple £1000s when they have better reactions and less health problems than a driver in their 60s paying a few £100. Is that a serious question ………… just look at the stats . Link to comment Share on other sites More sharing options...
Rupert_Baehr Posted July 17, 2011 Share Posted July 17, 2011 For young people, the cost of a car is cheap, running a car is cheap. Insurance is expensive. Petrol could be £5 per Litre. Insurance would still be the prohibitive cost. Why the hell should a youth pay multiple £1000s when they have better reactions and less health problems than a driver in their 60s paying a few £100. Because - notwithstanding the advantages of health and quicker reaction times - they manage to have more accidents than drivers from other age groups. Why is it that young drivers who have faster reaction times and fewer health problems than drivers in their 60's manage to have so many accidents? Link to comment Share on other sites More sharing options...
Grandad.Malky Posted July 17, 2011 Share Posted July 17, 2011 Why is it that young drivers who have faster reaction times and fewer health problems than drivers in their 60's manage to have so many accidents? Because they get their dad to insure them a poxy bog standard car and then fit lowering springs, body kit, ££££`s of ICE, turbo chargers, KN filters, alloys ……… the list goes on. Link to comment Share on other sites More sharing options...
chem1st Posted July 17, 2011 Share Posted July 17, 2011 Because - notwithstanding the advantages of health and quicker reaction times - they manage to have more accidents than drivers from other age groups. Why is it that young drivers who have faster reaction times and fewer health problems than drivers in their 60's manage to have so many accidents? That isn't the case. A very small proportion of young adult drivers cause accidents, they are often uninsured. All young adults are punished for this and have to pay well over the odds for insurance. Link to comment Share on other sites More sharing options...
Grandad.Malky Posted July 17, 2011 Share Posted July 17, 2011 That isn't the case. A very small proportion of young adult drivers cause accidents, they are often uninsured. All young adults are punished for this and have to pay well over the odds for insurance. When we insured our son I think our broker told us that one in three new drivers make a claim in the first year, 33% isn’t a “ very small proportion “ Link to comment Share on other sites More sharing options...
Eater Sundae Posted July 17, 2011 Share Posted July 17, 2011 For young people, the cost of a car is cheap, running a car is cheap. Insurance is expensive. Petrol could be £5 per Litre. Insurance would still be the prohibitive cost. Why the hell should a youth pay multiple £1000s when they have better reactions and less health problems than a driver in their 60s paying a few £100. Because, on average, they are poorer drivers. If they were as safe as older drivers, they would pay the same insurance. They are not, so they don't. Link to comment Share on other sites More sharing options...
Eater Sundae Posted July 17, 2011 Share Posted July 17, 2011 That isn't the case. A very small proportion of young adult drivers cause accidents, they are often uninsured. All young adults are punished for this and have to pay well over the odds for insurance. Have you got any statistics to support that claim? I think you are very wrong. Link to comment Share on other sites More sharing options...
Grandad.Malky Posted July 17, 2011 Share Posted July 17, 2011 Just found this, sounds about right 1. The biggest killer of teenage girls in the UK is their boyfriends driving FACT not just a funny 2. One in four under 24s have a motor insurance claim in the first year of driving 3. One in 3 accidents involves a driver under 25 4. The compensation culture, no win no fee, has increased payments to claimants a lot recently 5. Uninsured drivers - adds around £30 to £50 to everyones policy Link to comment Share on other sites More sharing options...
Eater Sundae Posted July 17, 2011 Share Posted July 17, 2011 For young people, the cost of a car is cheap, running a car is cheap. Insurance is expensive. Petrol could be £5 per Litre. Insurance would still be the prohibitive cost. Why the hell should a youth pay multiple £1000s when they have better reactions and less health problems than a driver in their 60s paying a few £100. Insurance companies are not particularly interested in reaction times and the lack of health problems. They are quite rightly interested in statistics. Young, particularly male, drivers are a riskier proposition than others, so they are charged more. It's pretty simple really. If, for example, over sixties started having a lot more accidents, causing more damage and serious injuries, then their insurance premiums will jump up. So far that hasn't happened. While the young male drivers have a proportionally high number of serious accidents, then their premiums will be high. The only way it will come down is if their accident record improves. Link to comment Share on other sites More sharing options...
chem1st Posted July 17, 2011 Share Posted July 17, 2011 Insurance companies are not particularly interested in reaction times and the lack of health problems. They are quite rightly interested in statistics. Young, particularly male, drivers are a riskier proposition than others, so they are charged more. It's pretty simple really. If, for example, over sixties started having a lot more accidents, causing more damage and serious injuries, then their insurance premiums will jump up. So far that hasn't happened. While the young male drivers have a proportionally high number of serious accidents, then their premiums will be high. The only way it will come down is if their accident record improves. Responsible people have been priced out of driving and the irresponsible ones still drive. With half of the top ten profiles for uninsured drivers being males under 25, they are more likely to flout the law by driving without car insurance. http://community.lv.com/news/topics/if-youre-worried-about-getting-hit-uninsured-driver-watch-out-these-locations So the young men most likely to be involved in these accidents, are those most likely to break the law, by driving uninsured. High insurance doesn't stop them. Link to comment Share on other sites More sharing options...
Recommended Posts
Archived
This topic is now archived and is closed to further replies.