gstuart

gstuart

D3 Grandad
Full Member
hiya guys

was wondering if anyone has seen this, if it goes through hopefully it will bring the insurance down for us older drivers.

Im 45 but my 20 year old son has no chance of getting onto my insurance the cheapest quote to add him was over £4,000 as a learner driver.

feel sorry in one sense but not in the other when we pay through the nose for insurance

do you think it would work what they are proposing

Too young to die: tackling young driver crashes - Brake the Road Safety Charity

gary
 
right, im gonna throw mt 2 pence in here, being a novice driver.

first, a novice driving licence in effect already exists, in terms of only having a 6 point licence.
though i see the benefit in only carrying under 25 passengers accompanied, it is not practical in many ways (i often have to take brothers girl friend home after rents have had a drink.)
not driving on motorways, again, not practical, why not just say that inexperienced drivers cant commute more than 45 minutes.
and driving at night is when i do most of my motorway driving and i think thats probably safer than rush hour. particularly on the m6. though pass plus should be compulusry, that i am sure of. would have been stupid for me

looking into doing some higher level qualification.
 
flight261 said:
right, im gonna throw mt 2 pence in here, being a novice driver.

first, a novice driving licence in effect already exists, in terms of only having a 6 point licence.
though i see the benefit in only carrying under 25 passengers accompanied, it is not practical in many ways (i often have to take brothers girl friend home after rents have had a drink.)
not driving on motorways, again, not practical, why not just say that inexperienced drivers cant commute more than 45 minutes.
and driving at night is when i do most of my motorway driving and i think thats probably safer than rush hour. particularly on the m6. though pass plus should be compulusry, that i am sure of. would have been stupid for me

looking into doing some higher level qualification.
Click to expand...

They are just trying to protect us experienced drivers from the -THEY THINK THEY KNOW IT ALL GROUP:rulez::rulez::beer2:
 
hiya

i lived in the usa for 2 years and found that alot of younger drivers were time restricted and not allowed to drive at night.

i wonder if they started the pay as you go scheme where they charged you by mile through a gps box, but suppose its not fair to high mileage users.

surely there has to be something that will allow younger drivers a break to get the experiance they need without having to pay through the nose, but on the other hand other users having to pay higher premiums .

suppose the worst culprits are the dam uninsured drivers that drive all the costs up.

something has surely got to give to allow the motorists a fairer deal and not being crusified whether it be young or old male or female

this country has to many european laws ,still im a humble driver and not a lawer or in any legal capacity.

surely there is a common sense parade out there somewhere

gary
 
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john winsemius said:
They are just trying to protect us experienced drivers from the -THEY THINK THEY KNOW IT ALL GROUP:rulez::rulez::beer2:
Click to expand...

fair shout, i do know too many people my age who think they are amazing drivers.
half the reason i got a land rover, so i can pull them out of a ditch.

difference is i know my driving needs improvement.
 
gstuart said:
hiya

i lived in the usa for 2 years and found that alot of younger drivers were time restricted and not allowed to drive at night.

i wonder if they started the pay as you go scheme where they charged you by mile through a gps box, but suppose its not fair to high mileage users.

surely there has to be something that will allow younger drivers a break to get the experiance they need without having to pay through the nose, but on the other hand other users having to pay higher premiums .

suppose the worst culprits are the dam uninsured drivers that drive all the costs up.

something has surely got to give to allow the motorists a fairer deal and not being crusified whether it be young or old male or female

this country has to many european laws ,still im a humble driver and not a lawer or in any legal capacity.

surely there is a common sense parade out there somewhere

gary
Click to expand...

Yes the youngsters have time restrictions, number of passengers age of passengers and the like. but there are different rules for when they are working.
there are no gps box's or pay per mile thing for driving. i've not heard that one. And i've got 6 kids driving. the youngest is 17 and he's on me insurance same coverage full everything at a 100$ us month he pays that himself
Uninsured;you have to have insurance to get yearly plates if you drop the insurance ,the company tells the state and you lose your driving privileges unless you have insurance.

I'm 61 no accidents since 1970 no speeding tickets in 20 yrs, no other tickets ever, live on a farm drive 50 miles a day and pay $110 a month for everything.
So if the :rulez: save one person's life, or stops someone from life long injuries I'm all for it. These rules have lowered the death and injury of or young people alot.

:D
 
think it would be better if we adopted a modular approach (similar to sweden) for the driving licence, and you can't drive unaccompanied in the relevant category until you've completed that module (takes typically a year)

e.g. urban module, country road module, rain module, ice and snow module, fog module, motorway module and so on.
 
I think it's hard enough for people to get there driving licences as it is, putting even more restrictions just because your young is total bull crap. I am 27 and have never had an accident, where as my girlfriends mum is in her fiftys and has written 7 cars off. So its not age related it's down to the individual. I personally think the 6 points in two years system should be extended to maby 3 or 4 years, but as for restrictions such as driving at night to be banned for new drivers, when I passes my test I worked nights for tufnells, if that was in place then no job for me, just because I'm young? Bollocks.
 
I think we should all just drive without insurance anyway, whether we have a licence or not.
 
The biggest shake up they can impose and help everyone is restrict new drivers to smaller cars, max engine size, no mods and then bring in modules for mororway driving, higher spec cars etc.

The problem with new younger drivers is as soon as they have a licence they think they can drive NOT..

Insurance.

Include it in the fuel price and that way when a cars on the road its insured...

Simples.
 
Mrfulwell said:
I think it's hard enough for people to get there driving licences as it is, putting even more restrictions just because your young is total bull crap. I am 27 and have never had an accident, where as my girlfriends mum is in her fiftys and has written 7 cars off. So its not age related it's down to the individual. I personally think the 6 points in two years system should be extended to maby 3 or 4 years, but as for restrictions such as driving at night to be banned for new drivers, when I passes my test I worked nights for tufnells, if that was in place then no job for me, just because I'm young? Bollocks.
Click to expand...

well praise the lord, we've found the only driver who passed his test and knew it all on the day he passed.

I'm not saying put restrictions on the young, I'm saying put the restrictions on the lack of experience, irrespective of the age.

Luckily you didn't need any further experience and were able to go straight from driving a learner car to driving whatever tufnells provided, as a minimum a transit, right up to 7.5 tonne on a new licence, being as perfect as you claim. I am a firm believer that drivers should be assessed for the relevant class of vehicle and/or use. I believe that a new licence should entitle you to drive for example a 1000cc car. Then after a period of time or another test you can driver higher powered cars and so on.

The towing test is a good idea for this reason, lost count of the number of bell ends up the local tip trying to reverse their little weekend trailers with little or no idea.

no-one complains about the similar two-tier system for motorbikes, where they are restricted for younger riders / inexperienced, you can do direct access but the test is supposedly harder and so on.
 
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This "Brake" organisation live in a fantasy world. They would come across as being much more credible if it wasn't for the fact that half of their ideas are not even practical.

They want to prohibit novice drivers from driving on the motorway even though statistically, motorways are the safest type of road in the UK. To be honest, I find that driving on A and B roads can be much more of a challenge than driving on motorways! I don't see the logic here.

I agree that novice drivers should be restricted as to what they can drive. Sure, insurance helps to do just that, but there's still many who evade it just by going on their parent's policy as a named driver, on their own vehicle. (this is known as insurance fronting) I can name at least two people who have been doing this for years.

"Novice drivers should be required to pass a second driving test at the end of the two year period to help ensure safe driving on all types of roads."

The above is also a stupid idea because after 2 years, the novice driver has already taken the biggest test. I.e. the test of time. Half the time the problem isn't their actual ability to drive, but the way they choose to drive. I know people who are very capable drivers, but they choose to be dicks on the road. No test is gonna catch em out.

Instead of coming up with all this impractical and unenforceable ideas, they should just propose changes that are both easy and realistic to implement.


Realist said:
Insurance - Include it in the fuel price and that way when a cars on the road its insured...
Click to expand...

That won't work because the money would go to the government. All insurance companies (bar the MIB) are private entities. + I really doubt the government would want to take responsibility for the nation's motor insurance industry. It would go tits up if they did.
 
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Hey I never said I knew it all when I passed, I simply made the point that penalising people because of there age is wrong. I know plenty of people in there later years who are just as irresponsible as a 17 year old. I agree with your point about experience. Bit for some reason people seem to think that just because you hit 40 all of a sudden your a better driver, maby true in some cases but not all.
 
Well I'm 18 and currently on my second freebie
I was insured on my first car 18 months ago which was my old l series freelander
Now got my td4 sport and insurance had never been a problem
It was actully cheaper getting insured on a freelancer than in a small 1.1l corsa !!
Madness !!
I just think it's because it's not a common young persons car
They do the prices on typical boy racer cars like corsa's and astras....
And that's all in my own policy !!!
 
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2.0_hippo said:
Well I'm 18 and currently on my second freebie
I was insured on my first car 18 months ago which was my old l series freelander
Now got my td4 sport and insurance had never been a problem
It was actully cheaper getting insured on a freelancer than in a small 1.1l corsa !!
Madness !!
I just think it's because it's not a common young persons car
They do the prices on typical boy racer cars like corsa's and astras....
And that's all in my own policy !!!
Click to expand...

Yes, this doesn't surprise me. When I was 17, it was cheaper for me to insure a BMW 316 than it was for me to insure a 1.1 Ford Fiesta of the same age. I'm 24 now so although it wasn't exactly yesterday, it wasn't all that long ago.
 
This is just another way of wringing more cash out of drivers, my two lads 20 & 21 both passed their test first time shortly after their 17th birthdays, neither have yet had an accident or made a claim. Always been fully comp too, I hate to think how much cash has been handed over. Both are responsible working men and should not be "restricted" in any way as regards driving. They have been brought up to be responsible people yet despite this the cost of adding them as named drivers on my mundane 2.0 diesel passat is still prohibitive.Those who cause the damage should bear the brunt..No accident should mean low risk so low premium..one accident that is YOUR fault -- kiss goodbye to your house.
 
hi

i think that there will never be a fair system.

i agree that younger drivers are all put into the same pot, some good some bad, a young driver in a small vauxhall and customised decided to scream up my backside and slam his anchors on and locking up. but then 5 minutes later another young driver was driving like everyone else, calmly and responsibly

what about having dash board cameras fitted.

ive been driving for over 25 years but that doesnt make me a good driver, experianced but that doesnt make me a good driver

i do think its such a shame when you see people race around young or old, leave an aftermarth behind and get away with it.

im speaking from experiance when my oldest step son on a motorbike was killed by a hit a run driver, they found him in the end he was 16, uninsured

i agree with the motorbike laws should make it the same with cars restrict the engine size and performance for inexperianced drivers, young or old

just to try and stop people getting killed on our roads.

i dont think we will ever get a fair system as there will always be pros and cons.

sorry if im ranting a bit and really hope i havent offended anyone

all the best

gary
 
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