Moleatrude wrote:

The other day I learnt why all the premiums have gone up. It was a long winded 45 min long conversation but basically it has nothing to do with you as a drive, but as a general trend often not even linked to peoples (the countries) driving ability. Good old insurance, it's just numbers, statistics and calculators, they never actually look at what people are doing!

Insurance companies are also saying that due to the number of claims caused by criminals causing an accident in order to make a claim especially for injury payout (false injury)has increased premiums.

Hyper Neil wrote:

that is true, some companies won't let you until you reach a certain age. I can't remember what it is tho.

21?

I'm 22, and can't protect mine yet

nikola wrote:

I'm 22, and can't protect mine yet

what a mad world we live in. You drive well and do not have accidents and then you are penalized....

millbrookmini wrote:

nikola wrote:

I'm 22, and can't protect mine yet

what a mad world we live in. You drive well and do not have accidents and then you are penalized....

Couldn't have Put it better myself

Most companies won't let u protect till u get to 4 or 5yrs anyway

I was under 25 when I got my first protected NCB. I had 4 years NCB and was told by my insurer at the time that I was a liar, as no firm would offer Protected NCB to an under 25, let alone with less than 5 years. So off I went to the firm that was.

At the time I was 22 and have paid the extra on the premium for it ever since.

I've got 6yrs no claims, but keep getting told I can't protect them - I would like to though!

Try a quote elsewhere and see if you can. Although then you might get what i got above - accused of lying!

With mods, my age and protected no claims - I think I may be pushing my luck slightly!

My insurance this year is £275 for my Coopers S, I get free protected no claim, with £150 excess. This is with More Than.

Don't think they will insure under 25's

Sorry guys but there are some advantages of being 50

How much would you guess it costs to insure a driving school car?

Any driver over 17 on road on provisional. Any driver over 25. Over 14 off road. Disqualifieds. Replacement dual control car same day regardless of fault.All tests without me on board. Lots of personal cover and £20 million property damage. All legal expenses.

How much do you think? It's a 5 year old MINI one.

£1400

£150 excess I forgot to mention, but keep guessing.

£3000 ??

£4750.99

Higher or lower

Lower and it went down on my quote this week by£105.

You will be shocked........

My brother owned his own driving intructor car and I was totally shocked at the premium....

I won't say and spoil it

Thanks. I'll keep them guessing a little longer.

Well only 4 played the guessing game, probably the others are worried their guesses are going to be way out. I'll post the answer later today, hopefully a few more might have a guess.

£847.66

I reckon its cheaper then people think. Im gonna say £450.96

Hyper Neil wrote:

I reckon its cheaper then people think. Im gonna say £450.96

You were very close. It's £575.74. That's with Lloyds through a specialist driving school company called Waveney. Then I add breakdown cover for £49. I was surprised when I first became a driving instructor 8 years ago how low it is.

Agree Rita, I was always shocked how low my brothers premiums were I guess having dual controls helps

Thats not a bad figure at all considering all the different types of learners you deal with. I did look into teaching a while back, got one of the DSA learning manuals they do for it, but thats as far as I went as I had second thoughts about it and oter things happened. Maybe have a look into it again in the future.