You don't need to be an 'investor' to invest in Singletrack: 6 days left: 95% of target - Find out more
What age does the insurance cost go from insanity to realistic?? My eldest is 14 and this is looming but given that we live about 500m from a Manchester tram stop the licence might be obtained and not used for a few years
Youngest is 20 in a couple of weeks. Passed test at 17 and 5 months.
It's suddenly gone from £1350 to below £600.
Eldest is 22.5. Passed test at 17 and 4 months. He's about 30% more than Mrs_oab and I who are both 51, decades of NCB, clean license and good area so without kids would be under £300.
I have just run insurance comparisons for skoda fabias. And a post 2015 Fabia hatchback with 90ps comes in at c£1400 for the first year with black box and me as a grumpy old git named driver and the youth as the main driver. But a post 2015 Fabia estate with 110ps comes in £1350. Bigger and faster = cheaper! Anyway, my neighbour who has a youth in a Ford Ka says both those are great as the Ka came in at £2k insurance!!! Oooof.
Cool kids do not drive estates and thrash them with a pop and bang map. So less data, and the data there is says 'boring old fart car'. So cheaper.
We've a gold Fabia Estate 1.0 for added Werther's and stretchy waist belt trousers effect. 😎
But, as I have said above, our Fabia is £890 to insure. The Civic which is faster, larger and more schporty is £580...same drivers, same address, same use case. The value does differ too.
We've a gold Fabia Estate 1.0 for added Werther's and stretchy waist belt trousers effect. 😎
Our Fabia is officially listed as "beige" on the V5. It's actually an off-silver metallic.
If you can convince her to put function and reliability above fashion, the right answers have surely got to be
-Aygo
- Yaris
- Jazz.
They'll of course never realise to thank you for not being broken down at the side of the road at 1am when it's raining.
160,000 without an oil change what a tight git but I don't believe it
No? I had an Octavia. It had around 80k miles on it and was four years old. I gave it away after owning it for 15 years, with 160k miles on it, and in that time I’d topped up the oil, and had replaced whatever consumables as required by the MoT, and it had never been serviced in the time I owned it. It was the 1.9TDi engine, and the turbo was showing its age, though. One of the blokes in the workshop took it on for his son, in Poland. Last I heard, it was in somewhere like Estonia or Romania.
2015 aygo here and I reckon it's worth 4k privately, 5k dealer. Only 35k miles and fsh.
Bulletproof, no advisories and costs 125gbp for annual mot and lube service. I do wipers, cabin filter and air filter. Decent tyres are 75 gbp a quarter. 50 mpg easy.
Tax was zero but 20 gbp now.
I reckon it's the cheapest car to run, never missed a beat.
So, in my car hunt/insurance cost balancing act.. it appears that I have searched 1 too many times on a comparison site...and now all the quotes are £400 more. Rubbish. Shopping around isn't permitted much anymore it seems. So how do I undo this? Different computer? IP address? Different contact email? What a load of rubbish.
Also whilst I am ranting, the current insurance company for the car my son learnt on took an extra £100 from me to put him on as a learner (fair enough) then when he passed it was either another £2100 (nope) or take him off for another £78. An actual cost for removing him from the policy! And whilst £15 of that was an admin charge, the rest is a premium increase. Money for what exactly??? Gonna lose my shit over all this scammy behaviour so will sack it off for today.
Yeh, they've got you there. It'll be in the t&c and while the premium changing up is weird, maybe things have materially changed since, for you or in general.
At least when they tried that on me, charging a cancellation penalty on a learner policy that automatically ends on passing, I managed to argue it's an entirely foreseeable outcome and hence must be part of the costing of the admin fees. I threatened to fight that as far as necessary suggesting if I did and they lost I'd be looking for them to also refund any other policies they had charged it on. They refunded "out of goodwill"
Ok good tip. Will write to them and request a refund on that basis. Thank you.
I don't think you'll have much joy, if you put him on an existing (your) policy as a learner.
I was talking about a specific standalone learner policy, that automatically cancels when they pass the test. To charge admin and a cancellation on that I argued was unfair because 1/ it's designed to end at that point, should not be an extra cost to cancel; 2/ likewise there's every chance it'll get 'cancelled' in the life of the policy therefore charging you admin (for pressing a button marked 'Has passed test' and an automated email getting sent) is unfair in the sense of no chance to avoid it, hence should be priced in at the start rather than a 'hidden' extra.
They can argue on yours that they now do have to do some admin to recalculate the premium, etc., you haven't been charged a cancellation (because you haven't cancelled) - the bit that seems odd is that that your premium has gone up as a result. But on that point; maybe another material change to you / in general; secondly I reckon learner drivers are probably statistically one of the safest - they are ultra careful, they have someone sat next to them being equally careful, and other drivers are ultra careful around them. Hence why as a learner my son's insurance on his own car was about £400, immediately you remove me from being in the passenger seat and the L-plates from the car and he's now an £1800 risk.
Well yes. Maybe something changed but I don't know. Before it was £400. When I added my son it went to £500. Now it's £578 with him removed.
And he learnt and passed in 6months so only used £50 of that initial £100 extra. Well it clearly doesn't work like that.
Anyway that's an annoyance with a cost. The premium quotes going up by c£400 because I have used the comparison site too much is like a kick in the teeth. It's like you can't shop around and balance car cost with insurance cost.
And he learnt and passed in 6months so only used £50 of that initial £100 extra. Well it clearly doesn't work like that.
No, a load of the cost is front loaded because that's when they do all the set up, etc. So I understand and to some extent support that the fees aren't refundable and/or the premium is heavily front loaded.
It was charging EXTRA fees that was the issue to me.
On the plus side the average learner takes about 45 hours of lessons to pass their test, so if yours has done it in six months they'll have saved a fortune in lessons if nothing else.
Well yes. Maybe something changed but I don't know. Before it was £400. When I added my son it went to £500. Now it's £578 with him removed.
Yeah, I'd be having a whinge about that. The admin fee to take him off the policy isn't great, but it's quite small.
As long as the policy is back to exactly what it was before you added him, I can't see why it's fair the the premium itself changed. It's an annual policy and it would have been the same price if you'd not have added him.
So - complain. Get final response. If they don't waive the premium, take to FOS. That'll cost them £650 for starters.
Personally, I think it’s much to do with what they are familiar with ie which car were taught in/practiced in/passed the test in ..
- both my sons were taught, by an instructor, and practiced in our, long gone, Peugeot 205 and now, for different reasons, own Kia Piacantos
- good friends daughter was taught, by an instructor, in a Ford Focus but spent 90+% of her time practicing in a Volvo 850 and now drives around in a slightly smaller car. I remember seeing her park the Volvo in a tight town car park with ease.
Familiarity and a bit of confidence makes all the difference.