BERLINGO INSURANCE FOR UNDER 25s???

[pmd24]

How about getting 21 yr olds insured? Anyone lucky enough to get a lower quote than 1500.00 for a 21 yr old with a clean licence for 3½ yrs? This from Highway Choice on a CV agreement.

We love the Berlingo, but to think that a young driver in it poses a threat of such magnitude seems ludicrous....

Any better choices for a youngster - Footman James isn't interested.

Ho hum....[/b]

[ChrisB]

Cant beleive FJ wont play I'd sugest Fluxy but from reports they dont seem to be as good as they where, not that I've ever had any probs.

Would this be your son/daughter, no chance just adding them to an elders insurance ?

I do know the youngsters seem to have to pay what I normally pay for a whole car for just a years insurance

All I can suggest is get a couple of years no claims in something REALLY small.

As a side note, I heard of one family who insured their kids on their 17th birthday on just a set of numberplates that came off a old Fiat panda from memory, what ever it was it was the lowest group 1 motor , the fact there wasnt a motor didnt matter , the car had been scrapped years ago, the fact was to get a years no claims ASAP even if they only where on a prov licience, apparently it worked to, saved them several hundreds of pounds.
Not sure of the legalities of insuring a couple of number plates mind you, well atleast your unlikely to crash them

ChrisB

[qdos]

Number plates is stretching it but there is no law that says you have to drive the vehicle anywhere. My dad came up with this idea too and suggested a Moggy Minor. The problem was I'd already built my first kit by that time and was running around on the roads in it. I was then just turned 18 in a 2 litre home built open top sports car and I paid £364 a year It never did seem to come down dispite them telling me when I hit 21 , 25 ....... I'm 43 now and it's finally comming down but that may be because of where I live now in truth.

Most expensive car I've insured was the Metro !!! and I've had all sorts including BMW 525 and a Lotus Excel

Ring round all the insurers and tell them you are doing so. Specialist companies are generally much more flexible and I found better priced too.

[ChrisB]

I paid £364 a year It never did seem to come down dispite them telling me when I hit 21 , 25 ....... I'm 43 now and it's finally comming down but that may be because of where I live now in truth..

You to eh very similar experience, always remembered hitting 25 and hoping to see my insurance crash to like 50 quid.........did it ......did it heck the only thing I've noticed is the youngsters do get charged a heck of a lot more now, most I've ever paid was 500 due to me having a little prang but after a year it was back down to the 300's again.

Dunno to be honest how the youngsters can afford to insure their first motor these days


ChrisB

[qdos]

Dunno to be honest how the youngsters can afford to insure their first motor these days


ChrisB

To be honest Ithink it's cheaper to get your car nicked than to insure it for youngsters. Is it any wonder there's uninsured cars on the road...... This country is more divided now than ever was Rich Poor I'm most definately not rich and I'm getting poorer more rapidly than ever before. I feel really sorry for youngsters today. Is there any future for them?

[ChrisB]

I'm most definately not rich .............

Lucky I'm minted then

Yeah I know what you mean, I do think half the problem with insurance is down to the cars manufactures have been producing, go back 30 years and what did you have Mk1 escorts, mk2 escorts, mini, morris ital allegro etc etc all of which could barely do 70mph and 0-60 took about half an hour , all of a sudden around the late 80's mainstream motors where able to do over a 100mph and could reach 60 in sub 10secs and their price was quite cheap and folks had a lot more money then, so the youngsters where able to afford these what could be classified as "sports" cars (even though in reality they where only just family run abouts) and of course they all or most of them ended up crashing them I remember my last year in college and all the first years had cars and they also started to come to college in XR3i and XR2i's etc etc and from memory I think every single one of the first years wrote off there car in the first year............in my year when we where 1st years there was only a) a handful of us with "old bangers" and b) only one of us had a crash which wrote the vehicle off.

The only reason I can think was becuase our motors where proper old bangers and we only ever had 50bhp to play with in a old OHV engine........ if you where lucky

ChrisB

[qdos]

This is another area where I personally think Europe has got it right and we're crazy. In Europe you can drive quadricycles at 16. Quadricycles are small sub 21Hp cars. Basically you can't get in too much trouble with them thanks to their low power as with mopeds. But oh no here in the UK it's too dangerous to let kids on the road so they have to grow up 12 months and then we can let them free to roam around in daddies V12 5.2 litre Jag the moment they pass thier test.

Just like alcohol kids want to show they have finally grown up and go out to get P1553D out of their skulls and show off. Now in Europe people just know that's damned stupidity.

Stuart Mills has a great little project in the form of the Etrike which can be built as a moped and it's electric. Now if I was a kid I'd jump at the chance to build something like that. In fact I did do and I built a 2 litre sports car when I was 17 just so that I could show off to the likes of Chris in his namby 50hp CVH

Oh and I crashed it overtaking on a hump backed bridge when someone came the other way over it and so I drove off the bridge. BUT I paid to repair it all myself and I drove it for another 11 years every day. So I did learn though the hard way. I've finally grown up and I'm driving a Quadricycle and I'm building an Etrike! hmmmm didn't Orson Wells live his life backwards too ?

[ChrisB]

.......Oh and I crashed it overtaking on a hump backed bridge when someone came the other way over it.............

I rest my case

Youngsters in high powered motors just aint going to work

ChrisB

[qdos]

I tend to agree though Lewis Hamilton might say something different but it makes lots of sense to get kids to learn road sense first before being able to get behind the wheel of a powerful heavy machine.

Of course political correctness says everyone should be entitled to do everything and protected from everything so some how I don't really see this happening. Plus of course it gives a great excuse to fleece people all the more of thier hard earned readies.

[Grumpy-b]

I now have a number of cars insured. About three years ago I wanted a larger estate to replace my fiat Uno diesel (It only did 176,000miles)
My insurance conpany (Zuric) wanted just over £1k to insure a Diesel Fiat Weekend estate, It was cheaper to insure another Fiat Uno Diesel for my kids at £450 and the Marea for myself and Partner at £260. Even allowing for two sets of car tax it made more sense to run two cars. I now have Two Blingos insured as well both with NFU but neither with the kids on it. It would be interesting to see what they would charge.

Insurance is a problem, and running more cars has been worth while for me, at least if the kids damage it, im not car less.

I would like to have a policy that allowed me to own a number of cars and only actually drive one or two on the road at a time. But so far I havent found such a policy, other than a Motor Trader policy.

Grumpy-B