Best Car Insurance For Young Drivers

Questions and Answers

Your Questions About New Driver Car Insurance Uk

March 9, 2013

Daniel asks…

Will any benevolent solicitor/lawyer take on my car insurance claim and defeat a mighty car insurance co?

I was 100% innocent in a car accident.

My insurance is 3rd party only so I have had to make a claim myself against the other drivers insurance co.

They have denied my claim saying the damage doesn’y fit how I described the accident. Basically the damage does fit the description because that is what happened!

How can little me fight the mighty power/legal dept of one of the UK‘s biggest car insurance companies?

I can’t of course.

But I want to win because I want my money back for the damaged (and now useless) car and for the principle of the thing and because I am sick to death of being trodden on my huge corporations, just because they can do it to us.

It wouldn’t be cost effective to hire a solicitor to help out as I’m only looking for something in the region of £400 to £600 damages.

Has anybody got a few spare minutes to take my case on and put one over a megalith company?

Administrator answers:

I wish you well cos the bums will try their best to not pay you

Susan asks…

why should the unemployed have to pay higher car insurance premiums than the working ones?

http://www.bbc.co.uk/news/uk-16652779

usually its well my train of though is bad drivers get penalized more, not how much money they have? seems wrong is it?

Administrator answers:

Yes, I have heard variations on the higher premiums for under-employed or unemployed drivers..Insurance rates vary on area, as well. One city right next to another will have higher rates. If one drives a sports car, they pay more than one who drives a pick-up truck. (I have a Vespa..which is remarkably LOW for insurance, btw). Vehicle insurance rates also depend on ones credit rating..which has always struck me a bit odd. (some states are vehemently opposing this).

Don’t get me wrong, I am not exactly defending this apparent practice of the “haves” being rewarded (with lower rates), while the “have nots” are penalized for not being born with a silver spoon in their mouths.. But insurance companies are a bit like gambling. These companies do statistical studies, and feel confident that their data reveals who the unsafe ( = potentially expensive) drivers are.

At some point in time, they concluded that teenagers are far more risky than adults, over the age of 26 years old. They also concluded that teenagers with straight A’s, with perfect attendance are not such a risk. Females are less inclined to drive while intoxicated, or inebriated and have less accidents and less tickets..(insurance companies research tells them), so they, in turn, have a different price point for the bad risks.

Their studies have shown that people who smoke are more risky = pay a higher premium. People who have a low credit rating (or not even bad, if they have NO credit rating) = get into more accidents than the ones with stellar credit scores and advanced degrees, gainfully employed, and upwardly mobile. The elderly are bad risks, and pay higher premiums, but it evens out with the elderly, since they may have many years of a clean driving record, with no accidents, no tickets, etc. They figure the balanced, employed, non-smoking, non-drinking, bill-paying, responsible types will be less of a risk = they pay less in premiums.

Just as with gambling, there are odds makers and bookies out there who work long and hard, determining who will win the Superbowl, or who will acquire the Gold medal in the Olympics..they factor in all of the variables, and come up with their odds-system (and odd system..pun intended). If one bets on the long shot, and that individual beats the odds..they stand to win a great deal. But more often than not, Vegas wins.

Same with insurance companies. They are basically betting against all of us. As far as it being wrong..I know that some states in the US have been successful in having insurance companies abandon the practice of tacking on additional (higher) premiums, if one has a lower credit rating, but in some states it is still being done.

No, it doesn’t seem fair..but I suppose if the insurance companies can prove that 85 out of every 100 unemployed or under-employed drivers will get a speeding ticket and likely be involved in an accident within 5 years time..while the college educated and full-time employees are not likely to do the same..I suppose the powers that be are allowing them to get away with it. (Not saying any of the above is TRUE, just as an example of what the insurance companies’ data tells them).

I personally feel that has to be considered unconstitutional. It begs the question; if one is otherwise occupied (say, they volunteer a few hours every day) to rescuing kittens and puppies, or they are a volunteer at Hospital, etc..that should qualify for the reduced insurance rate, one would think. What about the stay-at-home-Mum..? If the insurance companies have the nerve to open THAT can of worms, they are likely in for a battle. There are many people who are technically working, that are not being compensated.

EDiT
Sorry, too long already.. But wanted to mention that when California (all states) passed Laws to force drivers to have (at least) a basic, liability-only insurance policy on their vehicle (basically covers the other driver and their vehicle) should one be involved in an accident, they simultaneously created ‘low-cost’ basic liability guidelines that the insurance companies had to follow. They had to make auto insurance affordable and each state has their own “low-cost” basic liability insurance available. If they want everyone to have insurance, they can’t have it both ways. They have to offer some way of assisting people with insurance costs. The alternative is that people will be driving without it.

The criteria was that the vehicle be worth less than $12,000, the driver had no accidents and no moving violations (maybe even parking tickets..not sure), and the driver must make under $30k per year. If the driver qualified, and hadn’t had a moving violation or an accident..if they were/are low-income or receiving government benefits, if their car was an older vehicle, they paid a fraction of regular rates. (like $30 – $40 per month).

Chris asks…

I’m from the UK and want to buy and drive a car in the US. How do I get the paper work sorted out?

I’m thinking log book, insurance, tax and breakdown cover. But if there is anything else I’ve missed let me know – cheers.
Thanks for your answers. To explain further, I’m planning a 2-3 month road trip from New York to San Francisco and I’d like to buy a second hand Chevy Tahoe to do the trip in; but because I’m not a US resident and don’t have an address there I wasn’t sure if I could get insured etc.

Administrator answers:

Buying is easy. Registering — obtaining a number plate — is hard. In the US, registration (the number plate) is a state matter & registration follows the driver, not the vehicle. In order to register a vehicle you must have a US address in the state of registration and you must have proof of insurance — which is no small matter if you have no US driving record. Most insurance carriers will not insure you, but there are some who will; you’ll have to shop around. Typically you will have to take out 6 month or one year insurance & then “short rate” it when you sell the car. I have heard from people who have done this & my observations are: 1. They are often surprised at how expensive this course of action is & 2. I tend to think some of the agents who sell these insurance policies are simply lying, either to the customers or their insurance carriers, and are encouraging their customers to lie, thereby jeopardizing themselves. If you are only planning on 90 days or less, you may find it more reasonable to simply do a long term rental from one of the companies who do that, like Enterprise or Alamo. You’ll get a new or nearly new car; with no buying, selling, repairing, registration & insurance hassles.

Edit: I just re-read your query & saw you want to drive a Tahoe! Good God, why? Are you hauling a boat? A family of seven? A 30 foot travel trailer? A stuffed Polar Bear? It will cost you a mint to rent or buy & especially to fuel. BTW California has its own emission control regime. Before you can sell a car in CA you must get special emission certification. Older “49 state” cars may not be able to meet CA certifications, creating added problems for you.

Paul asks…

How can I set up as a part time car trader from home?

I live in the UK and I’m studying at the moment. I currently work at a fast food outlet part time, and it sprung to me, why don’t I sell cars? I’ve got a drivers licence etc. So how can I get started? What do I need to do to buy and sell cars and make money? Do I need some sort of special licence? Do I need to register a company? Any help would be much appreciated.

Administrator answers:

A) Buy a car.
B) Advertise it.
C) Sell it for more than you paid for it.

That’s all there is to it in the UK, you really need trader’s insurance though, because your own fully comp insurance doesn’t cover you to drive cars that are otherwise uninsured, and C) is the hard part….

Lizzie asks…

What is needed for a UK fiance and spousal visa?

I am from South Africa and have married a British citizen and wanted to share the information we used when we applied for my UK spousal visa. I believe the same can be used for a fiance visa.

Administrator answers:

The below is for guidance only and not specific for anyone, the information below is what my wife and I submitted to the VFS. It took us 7 months to collate.

We organised into a folder as per the coloured coded sections above and made copies of all the above in a second folder.

Dark Blue section – Application details

- Completed application form
- Applicant’s letter of intent
- Sponsor’s letter of invite
- Marriage Certificates – unabridged and abridged
- Applicants travel ticket to UK
- Visa fee receipt

Supporting documents

Light Blue – Identification

- Applicants unabridged birth certificate
- Applicants old and new passport
- Applicants South African ID book
- Applicants UK drivers license & counterpart (proof address)
- Applicants biometrics
- Applicants passport photos x 2
- Sponsors birth certificate
- Sponsors old (x2) and new passports
- Sponsors passport photo’s x 2
- Copies of sponsors parents passports

Red – Finances & Employment

- Applicants previous employment reference
- Applicants previous payslips
- Applicants CV in UK format
- Applicants qualification certificates
- Applicants bank statements x 6 months
- Printed job vacancies in UK for applicant to apply for once permitted
- Sponsors job offer letter
- Sponsors letter from employer
- Sponsors pay slips x 7 months (proof of income and address)
- Sponsors e-savings bank statements x 7 months
- Sponsors bank statements x 7 (proof of income and address)
- Sponsors P60 x 2

Green – Proof of relationship

- Photos of applicant and sponsor together over period of relationship including wedding day. Also, photos of applicant and sponsor with friends
- Engagement and wedding cards from friends and family
- Joint wedding invite to applicant and sponsor
- Applicant and sponsors wedding invitation
- Sponsors wedding dress receipt
- Wedding ring receipts
- Valentines day cards & love letters
- Birthday cards
- Print out of email inbox as proof of on-going contact during period of time apart
- Copy of sponsors travel ticket to South Africa
- Photocopies of Johannesburg customs entry stamps in sponsors passport x 3
- Photocopies of applicants previous visa stamps in passport
- Friends & family testimonials regarding applicants and sponsors relationship

Yellow – Proof of applicants future residents in the UK

- Letter from Landlord (sponsors Father)
- HM Land registry & mortgage details
- Floor plans & Photo of residents
- Proof of Landlord address
- Proof of address of other occupants residing at residents – bank statements, car insurance, internet/phone bill & bank statements
- Further proof of sponsors address – phone bills from old and new Network provider
- Proof of applicants address – Letter from SA embassy in the UK

For the marriage we had a Freedom to marry letter from local church (Not for visa purposes)
We also dated (approx) and titled photo’s

Richard asks…

How long does a car insurance no claim bonus usually last in the UK?

I mean of course after the car has been sold.

Administrator answers:

It goes on you the driver rather than the car.

After three years of not driving (with some companies it’s 2 years), you lose your NCB.

This happened to me during uni – didn’t drive for three years as I couldn’t afford it. I lost all my NCB and had to start again from 0. Boooo!

Mandy asks…

What is the cheapest possible insurance available?

Including the cheapest car to insure and the best way to go about insuring that car. What is the cheapest insurance i can get?

Thanks for any help

Administrator answers:

Parkers give you the chance to filter cars via their insurance group.

Here is a link showing all cars in the lowest insurance category: http://www.parkers.co.uk/insurance/Groups/by-group.aspx?ig=1#ig=0

Alternatively, visit this link http://www.parkers.co.uk/cars/specs/ – you can use this to find any car to see it’s specifications, a review and more relevantly, it’s insurance group.

Car insurance is arranged into 50 groups, group 5 and below are considerably cheap, as a young driver, group 10 would be the absolute limit.

Generally speaking, 1.0 litre engines will be the cheapest to insure, use the above links to find a cheap car with low running costs.

Sandy asks…

How many point is taking off on my license when I get point on driving without insurance?

I was wondering on how many point do i get off from my driver license when I driving without insurance on my car

Administrator answers:

Not sure where you are from but in the UK – 6 points.

It is classed as an ‘absolute’ offence, guilty knowledge not required, mistakes not permitted.

6 points automatically whatever the circumstances.

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