hit by car yesterday



JNugent <[email protected]> wrote:

> Paul Boyd wrote:
>
> > On 29/08/2007 08:18, Tony Raven said,
>
> >> I'd love to know where an under 25 can get insurance for £338 pa.
>
> > You read my thoughts - a colleague has just been trying to find
> > insurance for his son. The prices quoted make you realise why many
> > don't bother - the fines are far, far less than the insurance, and the
> > risk of getting caught is minimal.
>
> My youngest son (21) has not long ago renewed after his first full
> year's cover. I won't tell you the amount for fully comp the first
> year (aged 20, just passed his test) in case you're not sitting down
> and are near any sharp or hard objects, but the renewal was only about
> £650. In 2007 prices, and assuming max no claims, he might easily be
> down to the mid three hundreds in four years' time (I hope).

What's he driving?

Luke


--
Red Rose Ramblings, the diary of an Essex boy in
exile in Lancashire <http://www.shrimper.org.uk>
 
Ekul Namsob wrote:
> JNugent <[email protected]> wrote:
>
>
>>Paul Boyd wrote:
>>
>>
>>>On 29/08/2007 08:18, Tony Raven said,
>>
>>>>I'd love to know where an under 25 can get insurance for £338 pa.
>>
>>>You read my thoughts - a colleague has just been trying to find
>>>insurance for his son. The prices quoted make you realise why many
>>>don't bother - the fines are far, far less than the insurance, and the
>>>risk of getting caught is minimal.

>>My youngest son (21) has not long ago renewed after his first full
>>year's cover. I won't tell you the amount for fully comp the first
>>year (aged 20, just passed his test) in case you're not sitting down
>>and are near any sharp or hard objects, but the renewal was only about
>>£650. In 2007 prices, and assuming max no claims, he might easily be
>>down to the mid three hundreds in four years' time (I hope).

> What's he driving?

Ah... that is classified information (nothing exotic though).
 
JNugent <[email protected]> wrote:

> Ekul Namsob wrote:
> > JNugent <[email protected]> wrote:

> >>My youngest son (21) has not long ago renewed after his first full
> >>year's cover. I won't tell you the amount for fully comp the first
> >>year (aged 20, just passed his test) in case you're not sitting down
> >>and are near any sharp or hard objects, but the renewal was only about
> >>£650. In 2007 prices, and assuming max no claims, he might easily be
> >>down to the mid three hundreds in four years' time (I hope).
>
> > What's he driving?
>
> Ah... that is classified information (nothing exotic though).

It is highly relevant. A 21 year old driving a ten year old 1 litre
supermini will probably pay rather less than one driving a three year
old MINI. Neither of these cars is exotic.

Frankly, I find it bizarre that you think such information should be
classified.

Cheers,
Luke


--
Red Rose Ramblings, the diary of an Essex boy in
exile in Lancashire <http://www.shrimper.org.uk>
 
On 2007-08-31, Ekul Namsob <[email protected]> wrote:
> It is highly relevant. A 21 year old driving a ten year old 1 litre
> supermini will probably pay rather less than one driving a three year
> old MINI. Neither of these cars is exotic.

The fact that it's insured comprehensive probably means it's reasonably
new and worth a reasonable amount of money.

My worst insurance bill was not on a new vehicle. I had just moved to
Texas, and was 23 years old, and had never had a driving license issued
by a US state. The broker happily told me that meant I was treated like
a 16 year old with 5 speeding tickets (and only one underwriter would
insure). For liability (3rd party only) on an ancient pick-up truck, the
first year's insurance was more than the truck was actually worth -
US $2400.

At least these days I can get comprehensive cover on my Audi for
something like 200 quid a year.

--
Yes, the Reply-To email address is valid.
Oolite-Linux: an Elite tribute: http://oolite-linux.berlios.de
 
In article <[email protected]>, Dylan Smith wrote:
>On 2007-08-31, Ekul Namsob <[email protected]> wrote:
>> It is highly relevant. A 21 year old driving a ten year old 1 litre
>> supermini will probably pay rather less than one driving a three year
>> old MINI. Neither of these cars is exotic.
>
>The fact that it's insured comprehensive probably means it's reasonably
>new and worth a reasonable amount of money.

Not necessarily. I found getting an old Skoda which cost £200 insured
comprehensively was _cheaper_ than getting it insured third party, fire,
theft. The amount they might possibly have to pay out under the comprehensive
bit is tiny compared with the third party risks, and apparently wanting
comprehensive insurance anyway makes you an inherently lower risk person.

The initial quote I got to put a 21 year old on that was £1600 (!), but
changing insurers brought it down to not much more than the cost of the
car. That was a few years back. What it will be like by the time my children
are driving I hate to think - I'm encouraging them to consider cycling more.

And commiserations to Gary.
 
Dylan Smith <[email protected]> wrote:

> On 2007-08-31, Ekul Namsob <[email protected]> wrote:
> > It is highly relevant. A 21 year old driving a ten year old 1 litre
> > supermini will probably pay rather less than one driving a three year
> > old MINI. Neither of these cars is exotic.
>
> The fact that it's insured comprehensive probably means it's reasonably
> new and worth a reasonable amount of money.

The newest car I've ever owned was five years old when I bought it yet
I've always had comprehensive insurance, largely because when I bought
my first car [1] it was fifty pounds cheaper than Third Party F&T.

What is truly irritating is that I was classed as having no driving
experience despite having driven my mum's Fiat 126 for years. At least
something is now being done about this.

Cheers,
Luke

[1] Actually the second but I only owned the first (a 1987 VW Jetta 2
litre) for three weeks as it was scarily powerful and I couldn't afford
the insurance (£1800 for 3rd Party only: they wouldn't even consider
3PF&T). This was 1997. I flogged the car for £850 and bought a 1984
Vauxhall Nova saloon for £750.

--
Red Rose Ramblings, the diary of an Essex boy in
exile in Lancashire <http://www.shrimper.org.uk>
 
"Ekul Namsob" <[email protected]> wrote in message
news:1i3pool.559jw11ne8mtaN%[email protected]...

> The newest car I've ever owned was five years old when I bought it yet
> I've always had comprehensive insurance, largely because when I bought
> my first car [1] it was fifty pounds cheaper than Third Party F&T.

If I'd managed to find comprehensive insurance cheaper than my TPF&T, I'd
get it. But I haven't. Then again, a 50 quid discount on the premium last
year would have reduced it to about 1/3 of what it cost :)

cheers,
clive
 
Ekul Namsob wrote:
> JNugent <[email protected]> wrote:
>
>
>>Ekul Namsob wrote:
>>
>>>JNugent <[email protected]> wrote:
>
>
>>>>My youngest son (21) has not long ago renewed after his first full
>>>>year's cover. I won't tell you the amount for fully comp the first
>>>>year (aged 20, just passed his test) in case you're not sitting down
>>>>and are near any sharp or hard objects, but the renewal was only about
>>>>£650. In 2007 prices, and assuming max no claims, he might easily be
>>>>down to the mid three hundreds in four years' time (I hope).
>>
>>>What's he driving?
>>
>>Ah... that is classified information (nothing exotic though).
>
>
> It is highly relevant. A 21 year old driving a ten year old 1 litre
> supermini will probably pay rather less than one driving a three year
> old MINI. Neither of these cars is exotic.
>
> Frankly, I find it bizarre that you think such information should be
> classified.

The make and model is completely unimportant as long as it is clear
that it was (and still is) a very cheap car to insure, in one of the
lowest bands.

It still cost a premium of the best part of £2,000 in the first year
(new car, fully comp).
 
JNugent <[email protected]> wrote:

> Ekul Namsob wrote:
> > JNugent <[email protected]> wrote:

> >>>What's he driving?
> >>
> >>Ah... that is classified information (nothing exotic though).
> >
> >
> > It is highly relevant. A 21 year old driving a ten year old 1 litre
> > supermini will probably pay rather less than one driving a three year
> > old MINI. Neither of these cars is exotic.
> >
> > Frankly, I find it bizarre that you think such information should be
> > classified.
>
> The make and model is completely unimportant as long as it is clear
> that it was (and still is) a very cheap car to insure, in one of the
> lowest bands.

Go on. Which one of the lowest bands? Sorry, if you weren't concealing
something relevant you would save time and just name the make of car.

Luke



--
Red Rose Ramblings, the diary of an Essex boy in
exile in Lancashire <http://www.shrimper.org.uk>
 
Ekul Namsob wrote:

> JNugent <[email protected]> wrote:
>>Ekul Namsob wrote:
>>>JNugent <[email protected]> wrote:

>>>>>What's he driving?

>>>>Ah... that is classified information (nothing exotic though).

>>>It is highly relevant. A 21 year old driving a ten year old 1 litre
>>>supermini will probably pay rather less than one driving a three year
>>>old MINI. Neither of these cars is exotic.

Since neither of those are the circumstances I was describing, that
doesn't matter, does it?

>>>Frankly, I find it bizarre that you think such information should be
>>>classified.

>>The make and model is completely unimportant as long as it is clear
>>that it was (and still is) a very cheap car to insure, in one of the
>>lowest bands.

> Go on. Which one of the lowest bands?

The lowest one we could get that model in (new).

If it pleases you I'll research it (it was over a year ago)...

<looks up car data on t'internet>

There you go: insurance group 2.

> Sorry, if you weren't concealing
> something relevant you would save time and just name the make of car.

> Luke

Luke, given that I don't give out my own personal details on usenet
(and given that I don't advise anyone to do so), I'm hardly likely to
give out my son's details (any of them).

The car is a fairly average, low-powered, European hatchback in a
low-priced bracket for road tax and (perforce) in a low insurance
band. The insurance problem (ie, the price of insurance) forced the
purchase of the smallest-engined version of the model rather than the
one we would have preferred. A bigger car like mine (not low-powered,
and in not such a low insurance band) would have cost so much to
insure (for a newly-qualified driver) that it would been unaffordable
in the circumstances.

But the answer to the original question (which, lest we forget, was
something along the lines: "Is it possible to insure a car for £360<?>
at age 25?"), looks to me like a definite "Probably".

But probably not as a new driver at 25 who has never been insured in
his or her own name. And probably not with a bad claim record and
without a decent NCD.
 
JNugent <[email protected]> wrote:

> Ekul Namsob wrote:
>
> > JNugent <[email protected]> wrote:
> >>Ekul Namsob wrote:
> >>>JNugent <[email protected]> wrote:
>
> >>>>>What's he driving?
>
> >>>>Ah... that is classified information (nothing exotic though).
>
> >>>It is highly relevant. A 21 year old driving a ten year old 1 litre
> >>>supermini will probably pay rather less than one driving a three year
> >>>old MINI. Neither of these cars is exotic.
>
> Since neither of those are the circumstances I was describing, that
> doesn't matter, does it?

Please tell me how I was supposed to know that at the time, bearing in
mind your refusal to even give me or anyone else the vaguest iota of
information.
>
> >>>Frankly, I find it bizarre that you think such information should be
> >>>classified.
>
> >>The make and model is completely unimportant as long as it is clear
> >>that it was (and still is) a very cheap car to insure, in one of the
> >>lowest bands.
>
> > Go on. Which one of the lowest bands?
>
> The lowest one we could get that model in (new).
>
> If it pleases you I'll research it (it was over a year ago)...
>
> <looks up car data on t'internet>
>
> There you go: insurance group 2.

Thank you.
>
> > Sorry, if you weren't concealing
> > something relevant you would save time and just name the make of car.

> Luke, given that I don't give out my own personal details on usenet
> (and given that I don't advise anyone to do so), I'm hardly likely to
> give out my son's details (any of them).

Naming a make of car is hardly a significant step, considering you are
happy to say that you have a son who is 21 and drives a one year old
car. I'll not, however, ask about where you live which could also make a
significant difference to an insurance quote.

Cheers,
Luke

--
Red Rose Ramblings, the diary of an Essex boy in
exile in Lancashire <http://www.shrimper.org.uk>
 
Ekul Namsob said the following on 31/08/2007 13:37:

> The newest car I've ever owned was five years old when I bought it yet
> I've always had comprehensive insurance, largely because when I bought
> my first car [1] it was fifty pounds cheaper than Third Party F&T.

My car is 12 years old, yet the additional cost of comprehensive over
TPF&T is absolutely miniscule, and come with lots of extras that I just
wouldn't get with TPF&T. This extra cost has paid for itself already in
the form of a new windscreen.

--
Paul Boyd
http://www.paul-boyd.co.uk/
 
Ekul Namsob said the following on 31/08/2007 23:36:

> Naming a make of car is hardly a significant step, considering you are
> happy to say that you have a son who is 21 and drives a one year old
> car. I'll not, however, ask about where you live which could also make a
> significant difference to an insurance quote.

The level of secrecy is quite amusing though! I wonder what can be made
of the information that I live in WSM and drive a Mondeo? :)

--
Paul Boyd
http://www.paul-boyd.co.uk/
 
Paul Boyd <usenet.is.worse@plusnet> wrote in news:13di5j7ol90n112
@corp.supernews.com:

> Ekul Namsob said the following on 31/08/2007 23:36:
>
>> [...]
>
> The level of secrecy is quite amusing though! I wonder what can be made
> of the information that I live in WSM and drive a Mondeo? :)
>

Embarrassment? Imagine never again being able to face your colleagues in
uk.tosspots ;-)

My guess is a Yugo.

--
Tony

" I would never die for my beliefs because I might be wrong."
Bertrand Russell
 
Tony Raven <[email protected]> wrote:

> Paul Boyd <usenet.is.worse@plusnet> wrote in news:13di5j7ol90n112
> @corp.supernews.com:
>
> > Ekul Namsob said the following on 31/08/2007 23:36:
> >
> >> [...]
> >
> > The level of secrecy is quite amusing though! I wonder what can be made
> > of the information that I live in WSM and drive a Mondeo? :)
> >
>
> Embarrassment? Imagine never again being able to face your colleagues in
> uk.tosspots ;-)
>
> My guess is a Yugo.

To be fair, it would be quite impressive to have managed to buy a brand
new Yugo within the last few years. It can't be a Vauxhall as they give
free insurance to buyers of brand new cars so I'm going to plump for a
Kia.

Cheers,
Luke


--
Red Rose Ramblings, the diary of an Essex boy in
exile in Lancashire <http://www.shrimper.org.uk>
 
In article <[email protected]>, Tony Raven wrote:
>Paul Boyd <usenet.is.worse@plusnet> wrote in news:13di5j7ol90n112
>@corp.supernews.com:
>> Ekul Namsob said the following on 31/08/2007 23:36:
>>> [...]
>>
>> The level of secrecy is quite amusing though! I wonder what can be made
>> of the information that I live in WSM and drive a Mondeo? :)
>
>Embarrassment? Imagine never again being able to face your colleagues in
>uk.tosspots ;-)
>
>My guess is a Yugo.

Are there Yugos still on the road? I haven't seen one recently.
 
[email protected] (Alan Braggins) wrote in
news:[email protected]:
>>
>>My guess is a Yugo.
>
> Are there Yugos still on the road? I haven't seen one recently.

They were hardly ever on the road when they were new (unless they were
being pushed) ;-)

IGMC

--
Tony

" I would never die for my beliefs because I might be wrong."
Bertrand Russell
 
Ekul Namsob wrote:
> Tony Raven <[email protected]> wrote:
>
>
>>Paul Boyd <usenet.is.worse@plusnet> wrote in news:13di5j7ol90n112
>>@corp.supernews.com:
>>
>>
>>>Ekul Namsob said the following on 31/08/2007 23:36:
>>>
>>>
>>>>[...]
>>>
>>>The level of secrecy is quite amusing though! I wonder what can be made
>>>of the information that I live in WSM and drive a Mondeo? :)

>>Embarrassment? Imagine never again being able to face your colleagues in
>>uk.tosspots ;-)

>>My guess is a Yugo.

> To be fair, it would be quite impressive to have managed to buy a brand
> new Yugo within the last few years. It can't be a Vauxhall as they give
> free insurance to buyers of brand new cars so I'm going to plump for a
> Kia.

> Cheers,
> Luke

Obviously, I shan't be confirming or denying any of these. ;-)

NB: the "free insurance" offers are *usually* limited to buyers over 21.

The Yugo suggestion was funny though. I remember an acquaintance who
worked at a dealers selling "Zastava" cars back in the seventies. He
was always trying to "sell" them to anyone he met socially. And he was
only the mechanic. Business must have been bad.

OTOH, I am decidedly NOT a car snob. We all buy what we can afford. I
just couldn't care less what anyone drives.
 
On Sat, 01 Sep 2007 12:23:57 +0100, JNugent
<[email protected]> wrote:

>OTOH, I am decidedly NOT a car snob. We all buy what we can afford. I
>just couldn't care less what anyone drives.

If they choose to drive a bike, it certainly grabs your attention! :)
 
Marc Brett wrote:

> JNugent <[email protected]> wrote:

>>OTOH, I am decidedly NOT a car snob. We all buy what we can afford. I
>>just couldn't care less what anyone drives.

> If they choose to drive a bike, it certainly grabs your attention! :)

"Drive" a bike, eh?

Actually, it doesn't. Far from it. I'm all for cycling. Well, except
when cyclists do anti-social things like riding on the footway, or
through a pedestrianised area, or through red traffic lights, or the
wrong way along a one-way street, or along a stretch of road where
cycling is not allowed. But I'm absolutely certain that you share my
concerns about those things.
 
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