Get her a beetle but don't you dare stick her in a mini, there's few enough of them left as it is, can't be doing with any being put in the wrong hands. No offence like, just new driver, female and all that...
Classic car insurance is normally much cheaper than regular car insurance, but you have to be careful with new drivers. I got my son a classic and even the insurance company that the owners club recommended wouldn't insure him until he'd been driving at least a year(Japanese imports are particularly problematic). In the end, there were only two insurance companies that would even give him a quote on it and one of them was double the price of the other.
Is a mini panel van a classic car? This was the first car my husband purchased in London in 1963 before upgrading to a Triumph Spitfire a year or so later. Only car he had in South Africa was also a Spitfire and his first car after arriving in Aus was a Spitfire. His 1991 Nissan Pintara is finally on the way out(he took over my last company car) and he is replacing it with a Honda Euro at the end of the month.
No. That's not true. It's not irrespective of what training you've had at all. In general young drivers are involved in more accidents if you don't look at anything else but there are far more stats out there than that which they can and do use. There are stats which show IAM members are far, far less likely to have an accident. I can't remember the figure but it was something like 90% less likely than the average driver. You're more or less admitting it - they use stats to back up their high prices but when the stats prove you're low risk they don't consider those ones. By the way I'm not that young. I'm 21 and have been driving 4 years now, all incident free.
Classic car insurances are usually a lot cheaper than normal motor policies BUT they are not designed for main car use. They usually have restricted mileage etc and most of the insurers have cottoned on to parents getting their kids classic cars due to insurance being cheap and are starting to introduce minimum age brackets into their quotes. I think its 21yrs old. A VW Polo about 5 years old will be quite a cheap car to insure. Try Admiral they seem to be quite reasonable.
Some, not all, fully comp policies allow you to drive other cars on a 3rd party only basis but its supposed to be very rarely and they usually exclude spouses vehicle in their wording. Driving other cars extension is different to any driver policies.
That's another thing I hate. You have to have insurance to drive. The law says you can drive from 17 but insurers refuse to insure U21s, so they're more or less changing the law to suit them. If they just did their research properly they wouldn't need to deny certain demographics access to the road. Serious question - do you think it'd really make a difference? I don't know much about what the ombudsman can do but I thought they were more there for specific cases relating to rules and regulations etc. I wouldn't have thought they can do much if I was to complain that the industry as a whole is completely unfair in the way it picks and chooses its statistics, and penalises people unfairly to cover up their own lack of research.
They're just tailoring a specific type of policy they aren't changing the law whatsoever. [/QUOTE]Serious question - do you think it'd really make a difference? I don't know much about what the ombudsman can do but I thought they were more there for specific cases relating to rules and regulations etc. I wouldn't have thought they can do much if I was to complain that the industry as a whole is completely unfair in the way it picks and chooses its statistics, and penalises people unfairly to cover up their own lack of research.[/QUOTE] Try it you never know
A lot of insurers do it, not just for classic cars but for all policies. Some refuse to do anything under a certain age and others just give you quotes of £20,000+ to scare you off. If the law says you can drive from 17 then you should be able to. But if an insurer refuses to insure a 17 year old then how can they drive? I know not all of them do it so you can generally find an expensive policy somewhere at that age but it's wrong that they can refuse to insure you. They don't refuse to insure all immigrant drivers - who are statistically more likely than locals to have an accident.
