Author Topic: Insurance for the young driver.  (Read 6216 times)

0 Members and 1 Guest are viewing this topic.

Offline sme4969

  • Hero Member
  • *****
  • Posts: 4082
  • Karma: +761/-79
    • PLYMOUTH,devon
Re: Insurance for the young driver.
« Reply #20 on: December 26, 2012, 05:30:55 PM »
have you tried nfu ???
airarms, s200
airarms, s410 carbine
hw 77 biker fudd glided
logun s16s
rws 27

Offline tipitinmick

  • Hero Member
  • *****
  • Posts: 1558
  • Karma: +92/-15
  • They won`t let me have anything Sharp !
    • Doncaster, South Yorkshire.
Re: Insurance for the young driver.
« Reply #21 on: December 26, 2012, 05:32:34 PM »
have you tried nfu ???

nfu   sme ?   What that pal ?
Webley Vulcan deluxe .22 `rock chucker.`
Air Arms S410 .22 Walnut.     "        "

I`m hangin wi mi rainbow crew now. init ?

Offline tipitinmick

  • Hero Member
  • *****
  • Posts: 1558
  • Karma: +92/-15
  • They won`t let me have anything Sharp !
    • Doncaster, South Yorkshire.
Re: Insurance for the young driver.
« Reply #22 on: December 26, 2012, 05:54:56 PM »
have you tried nfu ???

nfu   sme ?   What that pal ?

Got it !  nfu mutual.   Just sent off her details, wait now for them to get in touch with me. Thanks sme4969.
Webley Vulcan deluxe .22 `rock chucker.`
Air Arms S410 .22 Walnut.     "        "

I`m hangin wi mi rainbow crew now. init ?

Offline airgunnut

  • Hero Member
  • *****
  • Posts: 3739
  • Karma: +1202/-1148
  • I aim to please, but usually miss!
    • Doncaster
Re: Insurance for the young driver.
« Reply #23 on: December 26, 2012, 06:14:15 PM »
I think it should be like a bike licence,
a light motorcycle licence (A1), which restricts you to ride bikes of up to 125cc and with a power output of 11kW
a standard motorcycle licence (A), if you take the test on a bike of over 120cc but not more than 125cc and capable of traveling at least 62mph
If you get the standard motorcycle licence youíll be restricted for 2 years to riding bikes of up to 25kW power output and a power/weight ratio not exceeding 0.16kW/kg.

After the 2 years you can then ride any size of bike.
 
the direct access thing but with cars
"Men occasionally stumble on the truth, but most of them pick themselves up and hurry off as if nothing had happened"
Winston Churchill
尼尔∑菲奥里

Offline tipitinmick

  • Hero Member
  • *****
  • Posts: 1558
  • Karma: +92/-15
  • They won`t let me have anything Sharp !
    • Doncaster, South Yorkshire.
Re: Insurance for the young driver.
« Reply #24 on: December 26, 2012, 08:14:14 PM »
I think it should be like a bike licence,
a light motorcycle licence (A1), which restricts you to ride bikes of up to 125cc and with a power output of 11kW
a standard motorcycle licence (A), if you take the test on a bike of over 120cc but not more than 125cc and capable of traveling at least 62mph
If you get the standard motorcycle licence youíll be restricted for 2 years to riding bikes of up to 25kW power output and a power/weight ratio not exceeding 0.16kW/kg.

After the 2 years you can then ride any size of bike.
 
the direct access thing but with cars

Seems a fair idea does that Airgunnut. She has a 2 year `probationary` period now, where she cannot get two or more speeding fines or she will have to take her test again. Its like ASM says though, Its not just the damage they do themselves or their property, its everything else as well. Pedestrians, other veihcles, street furniture etc etc. I think this is where the `new driver black box` comes in !  Apparently it tells you the cars speed, acceleration, braking etc.

It seems daft talking about the 2 years `probationary period` as if we cant get her any insurance she wont be driving.

Mick.
Webley Vulcan deluxe .22 `rock chucker.`
Air Arms S410 .22 Walnut.     "        "

I`m hangin wi mi rainbow crew now. init ?

Offline Ieazo

  • Moderator
  • Hero Member
  • *****
  • Posts: 4480
  • Karma: +1095/-48
  • I like Tinkering and Banging
    • Angus, Scotland
Re: Insurance for the young driver.
« Reply #25 on: December 26, 2012, 09:15:17 PM »
This all sounds horrendous Mick, sorry I can't offer any ideas but I do hope you manage to get her something sorted soon. The sooner she gets driving the better as she will start to prove she is not a massively dangerous wannabe racing driver who will spin out of control at the first corner burstin Ito a fireball and wiping out the local orphanage in the process as seems to be how insurers view you g folks these days, when I was 17 it weren't cheap but nowhere near the figures you are speaking about. At 26 I bought an 11 month old 1 Series diesel M Sport after having driven company motors since Uni I thought my insurance would be astronomical especially for such a motor, the first year (with 3 points for speeding and no NCB) was £850, the second year.........no points now and 1yr NCB £465!!! I guess once you are past 25 things ease off a whole lot but its a shame to have to wait that long which if you do, I don't see why having past your test at 17 then never having driven until 25 will give you the real life experience necessary to be a safe driver capable with dealing with the pitfalls of motoring, seems counterintuitive to me?!?!?

Good luck.
Springers:- SMK VXS19 - 18 GRT3 trigger & HW97k V-Glide
PCP's:- Uncle Barry's Daystate Mk3 (FAC), BSA Superten & AA S510
FAC :- Anschutz 1417 .22LR, CZ 452 .17HMR & Tikka T3 .223 1:8
Shotguns:- 12 Gauge Bettinsoli Xtrail O/U & Beretta A302 Semi-Auto

Offline tipitinmick

  • Hero Member
  • *****
  • Posts: 1558
  • Karma: +92/-15
  • They won`t let me have anything Sharp !
    • Doncaster, South Yorkshire.
Re: Insurance for the young driver.
« Reply #26 on: December 26, 2012, 10:00:34 PM »
Thanks for the advice Iain. I`m just going to have to try and talk to someone in the brokers after the holiday period. Like I say, its like provimg young drivers guilty before they have had a chance to prove they are a good driver or not. And yes, I`m not daft, I know young people like to drive fast from time to time but, like Airgunnut says, limit them for 2 or 3 years. Say a maximum of 30 or 40 mph in the first two years followed by 40 or 50 mph in the third and fourth years. No motorway driving untill after the second year and so on. But, give them a chance to drive. As we all know, you only really learn to drive once you are on your own.

Thanks.

Mick
Webley Vulcan deluxe .22 `rock chucker.`
Air Arms S410 .22 Walnut.     "        "

I`m hangin wi mi rainbow crew now. init ?

Offline kimh

  • Hero Member
  • *****
  • Posts: 1042
  • Karma: +129/-14
  • Dooood
    • Eynsham, Oxfordshire
Re: Insurance for the young driver.
« Reply #27 on: December 27, 2012, 12:07:57 AM »
I presume you are enquiring by filling in a online form? if so don't just phone them up
try this... clear your cookies and history from your browser and resubmit the same enquiry that you have just done prior to you clearing down? there may have been a 'pyramid' cookie been placed on you machine 
Every man is a damn fool for at least five minutes every day; wisdom consists in not exceeding the limit. Elbert Hubbard

Offline Gambo

  • Administrator
  • SuperHero Member
  • *****
  • Posts: 28511
  • Karma: +215/-50
  • Pellet Porn Queen
    • Cardiff, South Wales.
Re: Insurance for the young driver.
« Reply #28 on: December 27, 2012, 10:39:03 AM »
The insurance companies simply do not want to take any risk whats so ever.

True...everything HAS to be in THEIR favour these days....or they don't play ball.....and seeing as having insurance is a legal requirement, they work the law to suit themselves.....and so they've got you by the balls........I piggin' HATE insurance companies, always have, always will.


And here's an example why........I did an estimate on a bike a bloke had crashed, the assessor tuned up, agreed the damage and costs, and gave the go-ahead. I then repaired the bike which went back to the satisfied owner, and I submitted my invoice to the insurance company.

After waiting something like 3 months for a cheque to arrive to reimburse what I had spent out on parts for the bike, I contacted the insurance to enquire.....they were withholding payment because my invoice amount didn't match my estimate amount. The difference was mere pence.......32p IIRC.

So I'd spent around £2,800 of my money to fix their customers bike, but they wouldn't spend 32 soddin' pence.....unbelievable.

To get MY money back off them, I had to submit a supplementary invoice for the odd 32p, explaining that Yamaha had increased the price of a mirror by 32p since I'd written the original estimate.


When YOU owe THEM money....they want it on their demand.....yet when the tables are turned, and it comes time for THEM to cough up to YOU, they'll try everything they can to wriggle out of it, delay payment, or in the case of a claim, try to give you less than the actual value.


Insurance companies won't give you the skin of their steamin' shit.....yet expect you to pay through the nose, up front.....because they know the law allows them to.

Like I said, I HATE them.... all they are is parasites.


Offline tipitinmick

  • Hero Member
  • *****
  • Posts: 1558
  • Karma: +92/-15
  • They won`t let me have anything Sharp !
    • Doncaster, South Yorkshire.
Re: Insurance for the young driver.
« Reply #29 on: December 27, 2012, 12:56:30 PM »
You are right Gareth. Same in our trade. We did a rewire on a house that had been hit with lightening for an insurance company back in September of last year and I`m still waiting to be paid. Their excuse is that `Their` customer has not paid them their excess and so can not release a cheque to me untill this part is ammended. When that will be is anyones guess. I have an accountant friend who said that now is the time that I can start to charge interest on my invoice. ( its gone more than 90 days) The trouble I`ve got with that is, it would probably upset the insurance company manager and we would`nt get any more work from them. They have you by the short and curlys, and they know it.

Mick
Webley Vulcan deluxe .22 `rock chucker.`
Air Arms S410 .22 Walnut.     "        "

I`m hangin wi mi rainbow crew now. init ?