webmaster said:
I'm not entirely sure how it affects the really old - pre sorn vehicles, I've got one like that, I tried to sorn it and they wouldn't let me !
They wouldn't let me sorn my project either. But what I will need to sort out anyway (one day) is that my car, although '72 registered, has not automatically been put onto the historic vehicle tax class, so I'll need to sort that out anyway.
rockdemon said:
I gave this some thought, as really the majority of younger drivers aren't the real idiots that cause the problems, so if now they had a quote of say £2K for a years insurance, but half was like a deposit that they lost if they had a claim. If they had a claim free year, then the insurance renewal for the sake of argument could be the same, £2K, but the deposit could be brought forward from the year before and so it could go on. If you want to drive like an idiot you pay for it, if you drive sensibly you can prove it over the first year, and get the benefit of it immediately. The deposit would mean the insurance companies
That's actually not a bad idea... I havent heard anybody else come up with something that constructive!
Rich
Once flicking through tv programs, I noticed The One Show were discussing a similar topic to this last year. What a sensible first time driver had done, for cheap insurance, was have his car fitted with 'an insurance approved' box of magic... The idea was that the insurance then cost him say £500. The box then, via radio control, told the insurance company everywhere he went, his speed etc - and if he went on bendy/country (fast dangerous) roads, or above the speed limit of any and every road, or went out driving during about 10pm to 6am, then it's a £40 fine for every "offence". To me, a 15 year old classic car enthusiast, I think that's perfectly fair for first time drivers - But there are the drawbacks: Because of the electricals, it needs to be a modern car - not good. But in theory it could be fitted to a classic, however who'd want to see a nasty box of wires in their pride and joy? And also - who would want to, in effect, be spied upon until they can afford to rid the machine?
This then goes back to Harvey's idea - I can't fault that in any way. If the half price 'deposit' is payed, and no claims are made, then the young driver can then fairly pay the other half as the next years insurance. But I do suppose that the insurers could argue that that's what the NCB is for... Interesting topic.
I have recently been thinking about a first car - maybe a project to get ready for my 17th Birthday. What Nick and Duncan suggested to me last year was I could have a P6 as my first car, but because of the lack of driving experience I'd be bound to crash it, they then suggested I had a cheap car to use as a hack-a-bout, and then insure my P6 for low limited mileage, for me to use on weekends, and taking to shows. So now I've been thinking what to use as my main first car - a classic would be more enjoyable and cheaper to insure. I have been thinking along the lines of Vauxhall Chevette 1.3 or Triumph Acclaim 1.3 and similar - something that's ultra cheap. Even an Austin Allegro... do I need a straight jacket?
Maybe not as I'd still have a P6, whatever happens. Any way, I've got 2 years to think about that, so hmmm...
Cheers, Adam.