How are young drivers meant to get insurance...current quotes are crazy. Can't someone offer a no claims bonus to young drivers when they take out insurance. If they have a crash they then pay the full premium. Even the pay as you go insurance has gone bust.

The problem is many are priced out of the market and therefore become uninsured drivers. The idea I put forward was to give them a "no claims bonus" upfront (yes a novel idea as they would not qualify for it) and if they abuse it they have to pay a higher premium. Not all young drivers are dnagerous drivers.

It would not help at all if they were restricted to lower engine sizes, indeed it would make matters worse. Good experience can be gained by driving parents' cars which tend to be larger. It is just as easy to kill yourself in a Mini Metro as a Masserati. Both can break the speed limit but at least the Maserati tends to be a structurally safer car than the Metro which scored the lowest EuroNCAP score ever.

You say "you cannot put a price on experience" well you can and most insurance companies do...hence inexperienced drivers cannot afford insurance.

*backwards and downwards"

Like 2468 Motorway my car cost £200 and was a nova!!! it cost me £850 third party for my first year with a huge excess, its one of those things we all have to go through and paying monthly instalments was a real help....

I did pass plus at the time which bought the cost down somewhat but not massively.... If you get a low engine sensible car with a low insurance group you should fair up ok. If you get a stupidly high insurance group car with a massive engine you are asking for a big premium in my opinion...

Look at the excess too, if you can up it a little it brings down the overall premium a great deal

if you are aq girl i meant to say sorry

There goes the view of an old fogey!!!! How do you get the experienece if ou can't get the insurance? Surely you are simply moving the poblem to an older age

yawn yawn... youre missing the point. Statistics can tell you anything you want. If young drivers cant get insurance they will either risk driving uninsured, get someone else to get insurance for them or simply not drive until later in life. Just because someone is over 25 doesnt mean they are any better experienced. Shouldnt the premium be based on experienec rather than age. Use other conditions for the first 12 months or so such as restricted engine power, no passengers, no music, no phones inc hands free for everybody who has just passed their test regardless of age

My aunt passed her test at university 25 years ago and as she has never had a car has never driven since. As a middle aged female she is entitled to get behind the wheel of a car of her choice and even her insurance will be lower than mine and she hasn't sat in the driving seat for a quarter of a century - how does that work?

Hi
remember
A CAR can be a LETHAL weapon if not given the respect due
Road conditions and speed also can cause fatal accidents
I lost a son because of it
www.yourbaddriving.co.uk
www.neveraway.co.uk