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Surely theres an easy solution?
Posted by 'TanglerTKM' on 15 Apr 2010 @ 14:52

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TanglerTKMJoined: September 2005
Total Posts: 1
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So the problem is that young male drivers are stereotyped as having many crashes. This prevents young male drivers who are actually careful from driving getting low insurance.

I know a lot of my friends who've had bumps (and I'd agree it is fairly common) but their excess is so high that the actual amount the insurance company pays isn't that much at all. Also in most circumstances the amount paid back by the company is actually much less than my friend has paid to company in fees over the year. So although you hear about a LOT of young driver crashes, I don't think the cost is really as massive as they have you believe...I suspect a bit of profiteering is going on.

Well how about a new system? For young drivers, if you haven't had a crash you get normal price insurance but as soon you have a crash (however minor) your insurance premium THEN takes account of the number of crashes. This will be a much higher premium than you have currently, but will not discriminate against careful drivers and will be based on your own actions.

Of course the system doesn't take into account the risk of a massive crash as your 1st bump but you'll make that money up with the premiums over the following years. Also the people already paying increased premiums would balance that out. That system would need regulation but could be easily regulated.

Message Thread:

quin direct going into administration by 'rich84' (13 Apr 2010 @ 14:32)

Re: quin direct going into administration by 'DavyBoy' (13 Apr 2010 @ 15:35)

Re: quin direct going into administration by 'rich84' (13 Apr 2010 @ 16:06)

Re: quin direct going into administration by 'DavyBoy' (13 Apr 2010 @ 17:06)

Davy..... total TRIPE! by 'itpro' (13 Apr 2010 @ 19:10)

itpro, not quite by 'michaelg36' (13 Apr 2010 @ 20:53)

Re: Davy..... total TRIPE! by 'PaulMRotax' (13 Apr 2010 @ 21:28)

Oh No Ian, Not TRIPE Ian... Not TRIPE at all ! by 'DavyBoy' (13 Apr 2010 @ 21:51)

Re: Oh No Ian, Not TRIPE Ian... Not TRIPE at all by 'itpro' (14 Apr 2010 @ 0:04)

I haven't read most of this thread, but.... by 'alanrr' (14 Apr 2010 @ 0:38)

Re: I haven't read most of this thread, but.... by 'itpro' (14 Apr 2010 @ 1:05)

...and the 'top hat' on it is as follows: by 'itpro' (14 Apr 2010 @ 1:19)

...and the 'top hat' on it misses the point :-( by 'DavyBoy' (14 Apr 2010 @ 8:52)

Davy by 'itpro' (14 Apr 2010 @ 10:24)

Re: Davy by 'DavyBoy' (14 Apr 2010 @ 10:41)

experience by 'rich84' (14 Apr 2010 @ 10:45)

Re: experience...... most amusing! by 'itpro' (14 Apr 2010 @ 10:58)

Re: experience by 'SimonS' (14 Apr 2010 @ 11:34)

Re: experience by '89cc' (14 Apr 2010 @ 12:16)

Re: experience by 'rich84' (14 Apr 2010 @ 13:58)

Re: experience by '89cc' (14 Apr 2010 @ 14:33)

Re: experience by '89cc' (14 Apr 2010 @ 14:37)

Re: Davy by 'itpro' (14 Apr 2010 @ 10:50)

OK. by 'DavyBoy' (14 Apr 2010 @ 12:45)

Persecution...... by 'itpro' (14 Apr 2010 @ 12:55)

Re: Persecution...... by 'DavyBoy' (14 Apr 2010 @ 13:11)

Re: Persecution...... by 'harvinsurrey' (14 Apr 2010 @ 14:44)

Re: Persecution...... by 'DavyBoy' (14 Apr 2010 @ 15:20)

Re: Persecution...... by 'harvinsurrey' (14 Apr 2010 @ 15:31)

Re: Persecution...... by 'DavyBoy' (14 Apr 2010 @ 15:53)

Re: Persecution...... by 'itpro' (14 Apr 2010 @ 16:03)

Re: Persecution...... by 'harvinsurrey' (14 Apr 2010 @ 16:17)

Re: Persecution...... by 'DavyBoy' (14 Apr 2010 @ 17:00)

Re: Persecution......Davy by 'itpro' (14 Apr 2010 @ 15:08)

Re: Persecution......Davy by 'harvinsurrey' (14 Apr 2010 @ 15:20)

Re: Persecution......Davy by 'itpro' (14 Apr 2010 @ 16:09)

Re: Persecution......Davy by 'harvinsurrey' (14 Apr 2010 @ 16:21)

Re: Persecution......Davy by 'itpro' (14 Apr 2010 @ 16:24)

Re: Persecution......Davy by 'harvinsurrey' (14 Apr 2010 @ 16:35)

Re: Persecution......Davy by 'DavyBoy' (14 Apr 2010 @ 15:27)

Re: Persecution......Davy by 'davidmc' (14 Apr 2010 @ 15:31)

Re: Persecution......Davy by 'harvinsurrey' (14 Apr 2010 @ 15:37)

Re: Persecution......Davy by 'itpro' (14 Apr 2010 @ 15:52)

Re: Persecution......Davy by 'davidmc' (14 Apr 2010 @ 16:13)

Re: Persecution......Davy by 'itpro' (14 Apr 2010 @ 16:19)

Re: Persecution......Davy by 'davidmc' (14 Apr 2010 @ 16:22)

I missed a bit..... by 'itpro' (14 Apr 2010 @ 10:42)

...and the 'top hat' on it hits the point :- by 'SimonS' (14 Apr 2010 @ 11:19)

Simon by 'itpro' (14 Apr 2010 @ 11:33)

Re: ...and the 'top hat' on it hits the point :- by 'harvinsurrey' (14 Apr 2010 @ 11:33)

Re: ...and the 'top hat' on it hits the point :- by 'itpro' (14 Apr 2010 @ 11:36)

Re: ...and the 'top hat' on it hits the point :- by 'harvinsurrey' (14 Apr 2010 @ 11:50)

Re: ...and the 'top hat' on it hits the point :- by 'SimonS' (14 Apr 2010 @ 11:43)

Re: ...and the 'top hat' on it hits the point :- by 'harvinsurrey' (14 Apr 2010 @ 11:56)

Re: ...and the 'top hat' on it hits the point :- by 'brinjono' (14 Apr 2010 @ 14:29)

Re: ...and the 'top hat' on it hits the point :- by 'harvinsurrey' (14 Apr 2010 @ 14:34)

Of course old people over forty have less..... by 'alanrr' (14 Apr 2010 @ 22:56)

Good old Alan...... by 'itpro' (15 Apr 2010 @ 1:24)

Questions for you Ian ? by 'DavyBoy' (15 Apr 2010 @ 10:22)

Re: Questions for you Ian ? by 'harvinsurrey' (15 Apr 2010 @ 10:48)

Re: Questions for you Ian ? by 'DavyBoy' (15 Apr 2010 @ 10:55)

Re: Questions for you Ian ? by 'harvinsurrey' (15 Apr 2010 @ 11:22)

Re: Questions for you Ian ? Harv by 'itpro' (15 Apr 2010 @ 11:14)

Re: Questions for you Ian ? Harv by 'harvinsurrey' (15 Apr 2010 @ 11:24)

Re: Questions for you Ian ? Harv by 'itpro' (15 Apr 2010 @ 11:40)

Re: Questions for you Ian ? Harv by 'harvinsurrey' (15 Apr 2010 @ 11:48)

Re: Questions for you Ian ? Harv by 'DavyBoy' (15 Apr 2010 @ 13:04)

Re: Questions for you Ian ? Harv by 'itpro' (15 Apr 2010 @ 15:52)

Re: Questions for you Ian ? Harv by 'DavyBoy' (15 Apr 2010 @ 21:13)

Errrrr ...... Davy..... by 'itpro' (16 Apr 2010 @ 0:34)

Re: Errrrr ...... Davy..... by 'DavyBoy' (16 Apr 2010 @ 17:21)

Re: Errrrr ...... Davy....errr... think it through by 'itpro' (16 Apr 2010 @ 18:19)

Re: Errrrr ...... Davy....errr... think it through by 'DavyBoy' (16 Apr 2010 @ 20:01)

Re: Errrrr ...... Davy....errr... think it through by 'itpro' (19 Apr 2010 @ 11:44)

Re: Questions for you Ian ? Harv by 'QuickOldTimer' (15 Apr 2010 @ 22:17)

Re: Questions for you Ian ? Harv by 'itpro' (16 Apr 2010 @ 0:35)

Re: Questions for you Ian ? Harv by 'alanrr' (15 Apr 2010 @ 22:52)

Re: Questions for you Ian ? Harv by 'harvinsurrey' (15 Apr 2010 @ 11:34)

Re: Questions for you Ian ? by 'itpro' (15 Apr 2010 @ 10:54)

Re: Questions for you Ian ? by 'DavyBoy' (15 Apr 2010 @ 11:11)

Davy by 'itpro' (15 Apr 2010 @ 11:25)

Re: Questions for you Ian ? by 'QuickOldTimer' (15 Apr 2010 @ 11:34)

Re: Questions for you Ian ? by 'itpro' (15 Apr 2010 @ 11:48)

Re: Questions for you Ian ? by 'QuickOldTimer' (15 Apr 2010 @ 11:59)

Dave... by 'itpro' (15 Apr 2010 @ 15:55)

Re: Questions for you Ian ? by 'harvinsurrey' (15 Apr 2010 @ 12:04)

Re: Questions for you Ian ? by 'Gillard77' (15 Apr 2010 @ 12:28)

Re: Questions for you Ian ? by 'harvinsurrey' (15 Apr 2010 @ 12:31)

Re: Questions for you Ian ? by 'itpro' (15 Apr 2010 @ 16:00)

Re: Questions for you Ian ? by 'Gillard77' (15 Apr 2010 @ 16:12)

Re: Questions for you Ian ? by 'itpro' (15 Apr 2010 @ 16:24)

Re: Questions for you Ian ? by 'Gillard77' (15 Apr 2010 @ 16:50)

Re: Questions for you Ian ? by 'itpro' (15 Apr 2010 @ 17:05)

Re: Questions for you Ian ? by 'itpro' (15 Apr 2010 @ 15:57)

Re: Questions for you Ian ? by 'harvinsurrey' (15 Apr 2010 @ 17:33)

Re: Questions for you Ian ? by 'itpro' (16 Apr 2010 @ 0:53)

Re: Questions for you Ian ? by 'harvinsurrey' (16 Apr 2010 @ 9:00)

Re: Questions for you Ian ? by 'Gillard77' (16 Apr 2010 @ 13:04)

Re: Questions for you Ian ? by 'harvinsurrey' (16 Apr 2010 @ 13:12)

Re: Questions for you Ian ? by 'itpro' (16 Apr 2010 @ 16:22)

Re: Questions for you Ian ? by 'DavyBoy' (15 Apr 2010 @ 13:40)

Surely theres an easy solution? by 'TanglerTKM' << You are here!

Re: Surely theres an easy solution? by 'harvinsurrey' (15 Apr 2010 @ 15:28)

Re: Surely theres an easy solution? by 'TanglerTKM' (15 Apr 2010 @ 15:40)

Tangler by 'itpro' (15 Apr 2010 @ 16:10)

Ooops.... typo! by 'itpro' (15 Apr 2010 @ 16:12)

Re: Ooops.... typo! by 'harvinsurrey' (15 Apr 2010 @ 17:11)

Re: Tangler by 'TanglerTKM' (15 Apr 2010 @ 17:14)

Re: Tangler by 'itpro' (16 Apr 2010 @ 0:41)

Re: Tangler (and also..to answer your question) by 'TanglerTKM' (15 Apr 2010 @ 17:32)

Re: Tangler (and also..to answer your question) by 'Gillard77' (15 Apr 2010 @ 17:43)

Re: Tangler (and also..to answer your question) by 'TanglerTKM' (15 Apr 2010 @ 18:09)

Re: Tangler (and also..to answer your question) by 'itpro' (16 Apr 2010 @ 0:48)

Re: Tangler...... by 'itpro' (16 Apr 2010 @ 0:47)

Re: Tangler...... by 'TanglerTKM' (16 Apr 2010 @ 1:21)

Re: Tangler...... by 'harvinsurrey' (16 Apr 2010 @ 9:04)

Re: Tangler...... by 'itpro' (16 Apr 2010 @ 11:09)

Re: Tangler...... by 'harvinsurrey' (16 Apr 2010 @ 13:31)

Ian you're being pedantic again :P by 'TanglerTKM' (16 Apr 2010 @ 14:22)

Re: Ian you're being pedantic again :P by 'harvinsurrey' (16 Apr 2010 @ 15:12)

Re: Ian you're being pedantic again :P by 'itpro' (16 Apr 2010 @ 16:03)

Re: Ian you're being pedantic again :P by 'TanglerTKM' (16 Apr 2010 @ 16:49)

Re: Ian you're being pedantic again :P by 'itpro' (16 Apr 2010 @ 17:03)

Re: Ian you're being pedantic again :P by 'TanglerTKM' (16 Apr 2010 @ 17:33)

Now who's being pedantic! by 'itpro' (16 Apr 2010 @ 18:13)

Re: Ian you're being pedantic again :P by 'TanglerTKM' (16 Apr 2010 @ 19:06)

Re: Ian you're being pedantic again :P by 'itpro' (17 Apr 2010 @ 0:59)

Re: Good old Alan...... by 'alanrr' (15 Apr 2010 @ 21:45)

Re: Good old Alan...... by 'itpro' (16 Apr 2010 @ 0:55)

continued by 'itpro' (16 Apr 2010 @ 1:00)

Re: continued by 'alanrr' (17 Apr 2010 @ 21:49)

Re: continued by 'itpro' (19 Apr 2010 @ 20:43)

Re: continued by 'alanrr' (23 Apr 2010 @ 0:08)

Re: quin direct going into administration by '89cc' (13 Apr 2010 @ 16:06)

Re: quin direct going into administration by 'rich84' (13 Apr 2010 @ 16:09)

Re: quin direct going into administration by '89cc' (13 Apr 2010 @ 16:13)

Re: quin direct going into administration by 'jnrblue91' (13 Apr 2010 @ 16:40)

Re: quin direct going into administration by 'FullCanRacer' (13 Apr 2010 @ 17:52)

Re: quin direct going into administration by 'SAS' (13 Apr 2010 @ 17:57)

Re: quin direct going into administration by '89cc' (13 Apr 2010 @ 19:58)

Full can........ by 'itpro' (13 Apr 2010 @ 19:17)

Come on Rich........ tell us the truth.,.,.... by 'itpro' (13 Apr 2010 @ 19:12)

Re: Come on Rich........ tell us the truth.,.,.... by 'mskart22' (13 Apr 2010 @ 19:18)

Re: Come on Rich........ tell us the truth.,.,.... by 'itpro' (13 Apr 2010 @ 19:23)

continued..... by 'itpro' (13 Apr 2010 @ 19:33)

itpro by 'rich84' (13 Apr 2010 @ 19:50)

Re: itpro by 'mskart22' (13 Apr 2010 @ 20:42)

Re: itpro by 'itpro' (14 Apr 2010 @ 0:27)

Here are some of the FACTS that you should know by 'itpro' (14 Apr 2010 @ 0:53)

Re: Here are some of the FACTS that you should kno by 'rich84' (14 Apr 2010 @ 10:41)

Re: Here are some of the FACTS that you should kno by 'itpro' (14 Apr 2010 @ 11:13)

Typo by 'itpro' (14 Apr 2010 @ 11:14)

Re: Here are some of the FACTS that you should kno by 'harvinsurrey' (14 Apr 2010 @ 15:18)

Re: Here are some of the FACTS that you should kno by 'itpro' (14 Apr 2010 @ 15:35)

Re: Here are some of the FACTS that you should kno by 'harvinsurrey' (14 Apr 2010 @ 15:44)

Re: Here are some of the FACTS that you should kno by 'itpro' (14 Apr 2010 @ 16:00)

Re: Here are some of the FACTS that you should kno by 'harvinsurrey' (14 Apr 2010 @ 16:10)

Re: Here are some of the FACTS that you should kno by 'itpro' (14 Apr 2010 @ 16:16)

Re: Here are some of the FACTS that you should kno by 'harvinsurrey' (14 Apr 2010 @ 16:27)

Re: Here are some of the FACTS that you should kno by 'itpro' (14 Apr 2010 @ 17:21)

Re: Here are some of the FACTS that you should kno by 'harvinsurrey' (14 Apr 2010 @ 18:07)

Re: Here are some of the FACTS that you should kno by 'itpro' (14 Apr 2010 @ 19:45)

Re: Here are some of the FACTS that you should kno by 'harvinsurrey' (14 Apr 2010 @ 19:50)

Re: quin direct going into administration by 'Doink' (14 Apr 2010 @ 16:06)

Re: quin direct going into administration by 'itpro' (14 Apr 2010 @ 16:11)

Re: quin direct going into administration by 'harvinsurrey' (14 Apr 2010 @ 16:40)

Re: quin direct going into administration by 'Doink' (14 Apr 2010 @ 16:59)

Re: quin direct going into administration by 'harvinsurrey' (14 Apr 2010 @ 17:17)

Re: quin direct going into administration by 'Doink' (14 Apr 2010 @ 17:32)

Re: quin direct going into administration by 'harvinsurrey' (14 Apr 2010 @ 18:09)

Re: quin direct going into administration by 'Doink' (14 Apr 2010 @ 18:19)

Re: quin direct going into administration by 'harvinsurrey' (14 Apr 2010 @ 19:21)

Re: quin direct going into administration by 'Doink' (14 Apr 2010 @ 19:39)

Re: quin direct going into administration by 'itpro' (14 Apr 2010 @ 19:50)

Re: quin direct going into administration by 'harvinsurrey' (14 Apr 2010 @ 19:55)

Re: quin direct going into administration by 'Doink' (14 Apr 2010 @ 21:29)

Re: quin direct going into administration by 'harvinsurrey' (15 Apr 2010 @ 11:13)

Re: quin direct going into administration by 'itpro' (15 Apr 2010 @ 16:19)

Re: quin direct going into administration by 'harvinsurrey' (15 Apr 2010 @ 17:05)

Re: quin direct going into administration by 'itpro' (16 Apr 2010 @ 1:08)

Re: quin direct going into administration by 'harvinsurrey' (16 Apr 2010 @ 9:37)

Re: quin direct going into administration by 'Doink' (14 Apr 2010 @ 19:58)

Re: quin direct going into administration by 'harvinsurrey' (14 Apr 2010 @ 20:09)

Re: quin direct going into administration by 'Doink' (14 Apr 2010 @ 20:14)

Re: quin direct going into administration by 'Doink' (14 Apr 2010 @ 21:35)

Re: quin direct going into administration by 'itpro' (15 Apr 2010 @ 1:29)

Re: quin direct going into administration by 'Doink' (15 Apr 2010 @ 9:12)

Re: quin direct going into administration by 'harvinsurrey' (15 Apr 2010 @ 10:28)

what a beast of a thread by 'rich84' (15 Apr 2010 @ 14:30)

Re: what a beast of a thread by 'harvinsurrey' (15 Apr 2010 @ 15:24)

Re: what a beast of a thread by 'Doink' (15 Apr 2010 @ 17:06)

Re: what a beast of a thread by 'harvinsurrey' (15 Apr 2010 @ 17:54)

Re: what a beast of a thread by 'Doink' (15 Apr 2010 @ 18:59)

Re: what a beast of a thread by 'JoeKarter' (15 Apr 2010 @ 19:26)

Re: what a beast of a thread by 'harvinsurrey' (15 Apr 2010 @ 21:03)

Re: what a beast of a thread by 'DavyBoy' (15 Apr 2010 @ 21:15)

Re: what a beast of a thread by 'harvinsurrey' (15 Apr 2010 @ 22:13)

Re: what a beast of a thread by 'harvinsurrey' (15 Apr 2010 @ 22:16)

Re: what a beast of a thread by 'itpro' (16 Apr 2010 @ 1:12)

Re: what a beast of a thread by 'DavyBoy' (16 Apr 2010 @ 8:11)

Re: what a beast of a thread by 'itpro' (16 Apr 2010 @ 12:13)

Re: what a beast of a thread by 'DavyBoy' (16 Apr 2010 @ 17:39)

Davy.... a bit a 'OxyMoron' there! by 'itpro' (16 Apr 2010 @ 18:24)

Re: what a beast of a thread by 'DavyBoy' (16 Apr 2010 @ 19:56)

Welll..... that's questionable..... by 'itpro' (17 Apr 2010 @ 1:10)

Re: what a beast of a thread by 'DavyBoy' (17 Apr 2010 @ 9:34)

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