Insuring your own car through a parents insurance is now a big NO NO .... it used to be no problem, but now that the driving laws for under 25's are much tighter the insurance companies are clamping down on this practice.

Don't worry Paul, I'm a biker by heart so I'll look out for those of our master race. You wouldn't have thought that about someone who is too young to ride, but trust me, I would have probably taken the motorbike if I had a choice in it. 

I was thinking of getting something cheap and nasty, well, okay just cheap to start with. That, or join an existing family policy to hopefully keep it cheaper due to not having to buy my own car. Get more experience, hopefully get a reduced insurance payment because of it. I believe on a summer camp we do at cadets you can apply to do a driving profiency test so I will do that. Basically I am looking at every way to get cheap insurance... There will be a way, somehow, somewhere.

machineman9 wrote on Mar 4^th, 2009 at 2:37pm:


...good for you, Mate... ...!

...and always keep this in mind...>>>

http://news.bbc.co.uk/1/hi/wales/north_west/7923053.stm

Terrifying...!

Paul...(...you learn the life-saving trick of "observation" on a Motor-Bike)... ...!

The best way of reducing your insurance cost as an under 25 is to do pass plus after you pass your test. It includes motorway lessons, night driving and more advanced  techniques than required for the test.
The main benefit is that several of the major insurance companies will reduce their rates for new drivers who have taken pass plus.

eno wrote on Mar 4^th, 2009 at 2:55pm:


The irony is, the course itself teaches you very little in my opinion. Motorway driving I can see being a help for people who are nervous but otherwise was of no benefit to me. The night driving I did quite a few of my lessons in the dark anyway and the rain portion of it was very difficult to do because it barely rained at all during my pass plus course. There was no real advanced driving techniques that I can say I learned. And after lots of searching i saved a grand total of 10 quid with it so less than it cost to get.
I've recently noticed in my search for a skidpan training course that they will also provide you with names of insurance companies who will discount you for passing a skidpan course, which costs the same as a pass plus course, and in my opinion teaches you far more useful and valuable skills in controling a car in bad weather that could save you and the car.

Craig. wrote on Mar 4^th, 2009 at 12:40pm:


Interesting. What do you think would be more expensive to insure - a brand new Phantom, or a Duesenberg?

When you get to my age you can just about afford to insure a decent motor. I see young chaps in M3s and those Evo things and I have no idea how they can afford the insurance. I have a 2.0 BMW Z3, I’m 42, have a clean licence, full no claims bonus and my car is kept off road in a locked yard out of sight and is alarmed and immobilised and it still costs me £450 to insure. What a rip off . Still it’s not as bad as my partner. She has 9 points and a poor accident history and it costs her £500 to insure a 1.2 Corsa!

Craig. wrote on Mar 4^th, 2009 at 12:40pm:


Which would explain why I ony pay £300 Fully Comprehensive for my 2003 2.0i Mondeo Ghia X estate!!