You miss the point and, sadly, so do almost ALL of the 'young people' involved.
The insurance compnaies hardly give a F*** about the cost of repairing YOUR car..... If you don't beleibve me, wqhy the HELL are fully comp insurances CHEAPER than just Third-party-fire-and-theft polifices?
The MASSIVE cost (to the insurers) is in Third Party Damages! When Harv's car got 'hit' no-one was seriously injured but the bill came to £60,000 !!!
Had someone been BADLY injured, the bill could have gone into MILLION!
Insurance companies CANNOT distinguish the good from the bad when the drivers have SO little time on the road, the drivers THEMSLEVES don't yet know if they are any good...... if you asked 1,000 of them, 9,999 would tell you they were BRILLIANT! By the time you are 25... they will already know a HUGE amount about how much you are likely to cost them and thus they can offer the GOOD drivers a significant discount!
Ask yourself the question HONESTLY..... if YOU were an insurance company and you KNEW that spotty-OIKS would cost you VASTLY more than geriatrics (like myself) AND that us geriatrics can get VERY cheap insurance from OTHER companies..... what would YOU do about the rates for spotty-OIKS and .... me?
It's a no-brainer!
Ian
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