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Subject Topic: YOUNG DRIVER CAR INSURANCE
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PersonColin21
25/11/2023 at 5:54pm
 Location: East Herts
 Outfit: 1992 Elddis Wisp 450CT + X Trail View Colin21's Profile View Profile   Reply to Colin21 Reply   Quote Colin21 Quote  
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Insurers seem to have some kind of strange logic that defies normal common sense Mick. Seems crazy to me that TPFT should actually be dearer, but it is what I heard from at least one of the comparison sites, and I'm sure I've also heard Martin Lewis say it on one of his programmes. Worth checking out though in my opinion.

TPFT is all I ever had on my cars when I was a teenager and it was always cheaper then. That is a very long time ago though and I suppose things change. My first two cars each cost me £50 when I bought them, and even back then it was hardly worth insuring them except to comply with the law.

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Best Regards,
Colin


Personsaxo1
25/11/2023 at 6:41pm
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Statistically policyholders with TPFT tend to have more accidents.
saxo1


PersonPaul_B
26/11/2023 at 9:37am
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If you don't care about your car then you get TPFT

From the insurers perspective.

If they don't care enough to insure their own car then they won't respect other peoples cars or property and are a high risk.

Probably



PersonMick S.
26/11/2023 at 9:51am
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Quote: Originally posted by Paul_B on 26/11/2023

If you don't care about your car then you get TPFT

From the insurers perspective.

If they don't care enough to insure their own car then they won't respect other peoples cars or property and are a high risk.

Probably




Aye, but as said; if your car is low-value, because thats all you can afford. Coupled with even one 'claim' hammering your premiums, why would you deem to 'care' whether you could claim for it? Only an idiot wants an accident. Its very cynical on the insurers parts.

And as for the comparison sites; i used one of these for the very first time this last week. I wont be using them again. I had already got what i thought was a 'dear' quote for our trucks renewal direct from an insurers. The comparison sites added another £350 as a minimum. All they showed was quotes from who they have on their panel. Not necessarily competitive at all.


Personsaxo1
26/11/2023 at 11:59am
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If you have TPFT and were involved in an accident you should always tell your insurance company even if you don't intend to make a claim.
I always check several comparison sites and normally get a better price which I use to haggle with my current insurer, if they won't budge I go with the best comparison site offer.
saxo1


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PersonColin21
26/11/2023 at 12:49pm
 Location: East Herts
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Every year I check at least 3 different comparison sites and a few other insurers that don't use the comparison sites. This year I went with NFU, who gave me the best deal and they aren't on any comparison sites. They weren't quite the cheapest, but they were certainly the best value for money and way cheaper than my renewal quote.



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Best Regards,
Colin


PersonAncient Uncle
27/11/2023 at 4:14pm
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I am dreading the time to renew our policy. Premiums are going sky high and being an octogenarian it is not so easy to shop around.


Personsaxo1
27/11/2023 at 4:58pm
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I'm an Octogenarian and shopping around this year saved me £60.
saxo1


PersonTrek 39
01/12/2023 at 6:33pm
 Location: Greater Manchester
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at BryanMitch

Sorry for the late reply,

Check https://www.moneysavingexpert.com/insurance/young-drivers/
It has different ways of getting cheaper insurance

Follow the steps in the order listed I managed to get my sons down from £2500 to £1800 for a Santa fe 4X4 as a new driver and a experienced driver as a named 2nd driver.
Above all do not buy of Facebook or any other SM sites



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