Dodgy Insurance Question

[chatman]

Insurance for cars is simple.... Below the age of 25 the insurance will cost you a lot of money... no getting over this... The fact is most accidents can be attributed to younger in inexperienced drivers

Insurance companies then look on theses drivers as high risk... and as such put the prices up... The more years you drive the more experienced you get.....then the older and eventually cheaper insurance....(in some cases)

[JappyBeast]

Might seem harsh when you are young and inexperienced but when you get older you reap the benefits.

£360 a year fully comp on my MR2 Import.... love it!

[plus one]

i dont understand that if you can only afford to insure a car for a month or two, then how can you afford to run a car full stop?? what happens when you ahve to put petrol in it? tax it? fix it when it brakes down?

i have a part time job, to pay for my car and it doesnt stretch very far when it comes to tax and then your car breaking down!!!!!

[Demonic Angel]

because a 2000cc is considered too powerful for anyone so young and because lots of young people tend to be short tempered and agressive and drive in the same way, judging by your last post they may have a point :)

Too powerful? Dude, I have read the figures for the 1300 cc petrol and the 1975 cc diesel and the petrol actually has 1 horsepower more!!! How could you think a weasy old diesel without even injection, let alone a turbo, could be "Too powerful". That is luducrious. I LAUGH IN YOUR FACE!!! And I am a good driver, I did Pass Plus after I passed many moons ago.

But surely you are cutting off your nose to spite your face doing it this way - 1 months insurance here and there will never get you any no claims so your insurance will never be a great deal cheaper - unless you buy a Group 1 car, insure it 3rd party and do what everyone else has to do in order to get cheaper car insurance, namely drive carefully for a few years to build up NCD and then buy your 2.0 Corolla.

Why not get a little part time retail/warehouse job to fund it rather than relying on E.M.A? Thats how I started out, with a little Saturday job in Kwik Save.... those were the days!

The harsh reality is, until you go out to work and earn some money you will not be able to afford nice luxuries such as driving a car!

Oh my god, didn't you read the first explanation for why I don't have a job!?! I have been searching for a year and 3 months and have only got 2 interviews out of them. TWO! You leave me no choice but to give you the gory details. Until recently I was too shy to ask in the shops incase of looking like a ****** when being turned down. So I just sent letters along with my C.V. inquiring whether they had any. Most of the time they didn't reply. I think I only got 2 replies and they were either telling me to sod off or telling me to look on their website and when I did they only had stuff like "store manager" not really the kind of thing that you can do part time ;) Now I ask in shops I go round asking and again most of the time they don't have any. I am stranded in a little village like town but there is a small town and a medium town nearby. My dad lives in the small town but works in the week so at the weekends he can take me to jobs in either of them (if I ever find one!). I go to college in the medium town so after that I can go to a job there. In the village where I live I am stranded in a four bedroom semi with my mummy two miles away from the high street which I can walk or get the bus to. In the highstreet there aren't any jobs anyway. So really I am restricted to two towns which I can get to only on certain days.

It's not as easy getting a job these days as it was "back in the days". You have to do all the fiddly bits stuffing letters and C.V.s into envelopes, going around asking in shop after shop, mostly getting told they don't have anything. You have to do this regularly as well. You need to harrass them constantly. It's not just something that you can do once and have it done with. I need to go on foot dropping C.V.s on managers heads. One shop at a time.

First of all, do not take the mick unless you want your warning bar up - I was merely giving you advice.

Second of all, we have all been there, you're not the only one who's suffered hardship finding work and you won't be the last. The difference is they're not whinging about it and insulting good people on a forum who are trying to offer you assistance and advice.

You want a hardship story? Try this: To get into IT I sent more than 70 applications out - that's 70 CV's to 70 companies.... I heard back from no-one. You think getting 2 no-answers is harsh? I ended up taking a temp job in Purchase Ledger to pay the bills, which was awful but after a lot of hard work, I got an interview and I got the job I wanted eventually, but only through sheer determination and never giving up, no matter how upsetting it was never hearing anything back. Thankfully I took some good advice about my CV, listened to people who knew what I was going through and respected peoples opinions and now I have a job I love.... you certainly do not need to tell me what companies are like, nor was I job-hunting in 1865... I am probably less than 10 years older than you... and no, I don't have any IT qualifications before you no doubt go down the "but I bet you're qualified route"

So instead of biting peoples heads off and thinking you have it the worst in the world, try listening to people who've been there ten-fold. This forum is full of us.

Oh and sort out your arrogant attitude. No one wants to employ someone who, and I quote "laughs in peoples faces".

[SJandMR2]

Yeah Em, you tell um!

Epic rants, though advice....Do not use the word 'mummy' :lol2:

[Flynn2]

First of all, do not take the mick unless you want your warning bar up - I was merely giving you advice.

Second of all, we have all been there, you're not the only one who's suffered hardship finding work and you won't be the last. The difference is they're not whinging about it and insulting good people on a forum who are trying to offer you assistance and advice.

You want a hardship story? Try this: To get into IT I sent more than 70 applications out - that's 70 CV's to 70 companies.... I heard back from no-one. You think getting 2 no-answers is harsh? I ended up taking a temp job in Purchase Ledger to pay the bills, which was awful but after a lot of hard work, I got an interview and I got the job I wanted eventually, but only through sheer determination and never giving up, no matter how upsetting it was never hearing anything back. Thankfully I took some good advice about my CV, listened to people who knew what I was going through and respected peoples opinions and now I have a job I love.... you certainly do not need to tell me what companies are like, nor was I job-hunting in 1865... I am probably less than 10 years older than you... and no, I don't have any IT qualifications before you no doubt go down the "but I bet you're qualified route"

So instead of biting peoples heads off and thinking you have it the worst in the world, try listening to people who've been there ten-fold. This forum is full of us.

Oh and sort out your arrogant attitude. No one wants to employ someone who, and I quote "laughs in peoples faces".

No you misread I didn't get 2 non replies, I got 2 REPLIES. Those were only to turn me down anyway. The only reason I laughed in that chaps face is because he said an old diesel engine would be considered "too powerful" And who cares about the warning bar nowadays anyway? Can't believe you misread and thought I said I got 2 NON ANSWERS, roflcopters. I got 2 answers from about 2 dozen C.V.s I sent out. Those two answers were only to turn me down.

B.T.W. woman: I only laugh in people's faces on the INTERNET!!!

Yeah Em, you tell um!

Epic rants, though advice....Do not use the word 'mummy' :lol2:

I only used that so that people would have something to laugh about. I know not to use it really. I wouldn't use it in a street situation.

[Demonic Angel]

B.T.W. woman: I only laugh in people's faces on the INTERNET!!!

And that there shows your lovely attitude yet again.....

Why bother posting if you're not even willing to take advice??

[bothwell_buyer]

Hi

I've read the last few posts, and skimmed over the first page of them.

I suppose I can understand - its frustrating and especailly if you are a good driver. I have 4 kids aged 20 to 31. Initially, when I had a small business, I insured the oldest thru the comany small fleet policy. Of course when the business folded, then things were much more difficult - I couldn;t get no-claims bonus at all.

Even over the years, I've been quizzed over my no-claims bonus. The last accident I had that was my fault was 30 years ago when I was driving a BT van. Despite that I still have to accumulate no-claims bonus for each car - although things seem to be changing now. I've just changed from a classic car multiple vehicle policy, which doesn't have no-claims bonuses, to single car policies. At the age of 56, I managed to get £125 fully comp for my RAV4 modified with a turbo engine, alloys etc etc. Limited to 3000 miles pa - not a problem as I have another 3 cars to drive. So each of them is limited mileage, and it did make a big difference.

The landrover I have is £65 pa fully comp - but then they probably know its broken most of the time :lol:

When I first started driving at age 18, I had an old Morris Minor van insured TP only and if I bent it, I paid. So I didn't bend it. I took lots of daft part-time jobs and often only lasted 2 months in them cos I couldn't hack the managers. 13 jobs in 18 months I think!!!

There are some jobs about but they tend to be those paid at bare minimum, but its a start. My career started planting telegraph poles and ended when I retired through spinal injury - no not lifting poles.....but I caught a guy who fell off scaffolding. By that time I had an excellent job in the post office so i have a pension which keeps me going. Money is tight so insurance cost is important.

I think you just have to be humble (or at least pretend) and go for whatever you can get, and just keep at it. Don't get bitter cos employers know. Its experience.

What a lot of folk do around here (and that includes a lot of students) is voluntary work to include on their CV.... and many charities will pay your expenses. I help with 2 charities and we pay travelling expenses and lend laptops and pay broadband costs for example.

good luck and all the best -

[Remoh1]

laugh in my face all you want, its you that is asking for help not me.

as far as insurance companies are concerned a 2000 is too powerful, not my choice theirs so laugh in their face not mine (it should help you get a good quote ...not)

The 2L will probably have a higher top speed and will def weigh more, therefore if it hits something it will do far more damage and cost your insurance company more money.

You say you are a good driver? that hasnt really been proven yet as you havent driven much , you are good enough to pass a test and have been sensible enough to do pass plus for some extra experience and of course a discount on your insurance.

Youre attitude is frankly awful , you ask a question we offer advice based on experience we have had that you havent and all we get is you being sarcastic and rude.

I have 25 years driving experince , 25 years experience of finding the best insurance deal and I have just spent the last 12 months with my son finding a good car for him to have as a first car that combines enough power for him and an insurance bill that his part time job can afford. So I am pretty damn qualified to help you in your quest for a cheap first car that is as cheap as is possible to insure. I have dealt with loads and loads of insurance companies this year and have got quotes on just about every car imaginable from a Matiz to a 1.6 escort and cars from 1985 to 2002.

Some cars that you would think are cheap are damned expensive to insure, I have found 1l cars that are dearer to insure than 1.3l cars

I would have been more than happy to help you if you were prepared to listen to advice but as you wish to laugh in my face you can get on with it on your own and maybe you will then understand one of lifes most valuable lessons

the important things you learn are the ones you learn after you know it all.

[Flynn2]

B.T.W. woman: I only laugh in people's faces on the INTERNET!!!

And that there shows your lovely attitude yet again.....

Why bother posting if you're not even willing to take advice??

What advice am I not taking? Why haven't you banned my ***** yet?

Hi

I've read the last few posts, and skimmed over the first page of them.

I suppose I can understand - its frustrating and especailly if you are a good driver. I have 4 kids aged 20 to 31. Initially, when I had a small business, I insured the oldest thru the comany small fleet policy. Of course when the business folded, then things were much more difficult - I couldn;t get no-claims bonus at all.

Even over the years, I've been quizzed over my no-claims bonus. The last accident I had that was my fault was 30 years ago when I was driving a BT van. Despite that I still have to accumulate no-claims bonus for each car - although things seem to be changing now. I've just changed from a classic car multiple vehicle policy, which doesn't have no-claims bonuses, to single car policies. At the age of 56, I managed to get £125 fully comp for my RAV4 modified with a turbo engine, alloys etc etc. Limited to 3000 miles pa - not a problem as I have another 3 cars to drive. So each of them is limited mileage, and it did make a big difference.

The landrover I have is £65 pa fully comp - but then they probably know its broken most of the time :lol:

When I first started driving at age 18, I had an old Morris Minor van insured TP only and if I bent it, I paid. So I didn't bend it. I took lots of daft part-time jobs and often only lasted 2 months in them cos I couldn't hack the managers. 13 jobs in 18 months I think!!!

There are some jobs about but they tend to be those paid at bare minimum, but its a start. My career started planting telegraph poles and ended when I retired through spinal injury - no not lifting poles.....but I caught a guy who fell off scaffolding. By that time I had an excellent job in the post office so i have a pension which keeps me going. Money is tight so insurance cost is important.

I think you just have to be humble (or at least pretend) and go for whatever you can get, and just keep at it. Don't get bitter cos employers know. Its experience.

What a lot of folk do around here (and that includes a lot of students) is voluntary work to include on their CV.... and many charities will pay your expenses. I help with 2 charities and we pay travelling expenses and lend laptops and pay broadband costs for example.

good luck and all the best -

Thanks. Don't listen to what the others say about me :)

laugh in my face all you want, its you that is asking for help not me.

as far as insurance companies are concerned a 2000 is too powerful, not my choice theirs so laugh in their face not mine (it should help you get a good quote ...not)

The 2L will probably have a higher top speed and will def weigh more, therefore if it hits something it will do far more damage and cost your insurance company more money.

You say you are a good driver? that hasnt really been proven yet as you havent driven much , you are good enough to pass a test and have been sensible enough to do pass plus for some extra experience and of course a discount on your insurance.

Youre attitude is frankly awful , you ask a question we offer advice based on experience we have had that you havent and all we get is you being sarcastic and rude.

I have 25 years driving experince , 25 years experience of finding the best insurance deal and I have just spent the last 12 months with my son finding a good car for him to have as a first car that combines enough power for him and an insurance bill that his part time job can afford. So I am pretty damn qualified to help you in your quest for a cheap first car that is as cheap as is possible to insure. I have dealt with loads and loads of insurance companies this year and have got quotes on just about every car imaginable from a Matiz to a 1.6 escort and cars from 1985 to 2002.

Some cars that you would think are cheap are damned expensive to insure, I have found 1l cars that are dearer to insure than 1.3l cars

I would have been more than happy to help you if you were prepared to listen to advice but as you wish to laugh in my face you can get on with it on your own and maybe you will then understand one of lifes most valuable lessons

the important things you learn are the ones you learn after you know it all.

Dude, I have already explained the 2000cc old diesel thing. The 1300cc petrol actually has MORE power! You are WRONG AGAIN about the diesel having a higher top speed. There was a website in a thread I started about the Corolla and someone linked me a webpage which stated the top speed of the diesel (103) and the top speed of the petrol (113). And theres nothing special about a Ford Escort kid. Ask Jeremy Clarkson. He would ATLEAST warrant an Alfa Romeo.

[Remoh1]

fine I'm wrong (in your opinion) get on with getting your insurance yourself, get on with getting a job yourself (I have contacts in one of the largest retailers in the UK having just spent 2yrs working for them, they are desperate for xmas staff in some areas but you are not suitable)

[Phoenix999]

This thread is quite interesting.... someone starts it and then gets upset or annoyed when he/she does not read what they want to read

Flynn2.... we had a slight difference of opinion in the past so I can say from experience that you have something of an attitude problem.

I am a lot older than you so please take this as a voice of experience.... life is not handed on a plate, you have to work for everything you want. Unless, of course, Mummy and Daddy are rich and can spoon feed you towards the grave. I had to go out looking for work, I got 'knock backs' on job applications, but that is part of learning what life gives you which is, sadly, the occasional kick in the teeth. But once you learn from this it will make you stronger and more determined to go back out and get what you are after.

I have a son and daughter that have fought for the jobs they have, application after application. My son, when at college, went into numerous shops and stores and asked for any type of job they could offer him.... now, at 23, he works for the giant supermarket as a manager earning a salary that is in excess of £35,000. You will only get such as this by working and asking for it.... get out there and find what you are looking for, employers will not search you out. My daughter tried just as hard and now has a good job with a local authority.

On the matter of car insurance, a No Claims Bonus is simply another thing in life you have to work for. Buy yourself a small car with a small engine and work you way up the ladder to, hopefully, the supercar you are aiming for.... I hope you get what you deserve and work for in life!

;)

[bothwell_buyer]

hi again guys - this is a bit different from the RAV4 forum !!!!!!!

a wee story - 2 brothers get a job in Royal mail. All goes well until 1 brothjer goes off ill.

The brother going to work is worried but turns up anyway. He delivers his round, but

the letters get posted thru businesses doors...but the wrong doors.

One brother could read and covered for his other brother who could not read - and you can guess which brother went sick!!

Thankfully, in this world we are not clones - people are able to speak out and maybe others don't like it!

After many years of speaking out and believing I am always right, I still believe I am always right!

And yes, I get upset when someone says I'm wrong - well who wouldn't be?

As I get towards my 60th birthday, I am starting to realise that in some things I have been wrong - even as recent as last week. So you have learning opportunities all of your life. You choose your behaviour and you choose to listen or not. Thats good.

I suppose I like this forum as - apart from me posting in slang Scots when I got reprimanded for it - its a free speech zone. Don't worry cfc1 - i will go back to Scots soon !!! :P :P :P

For Flynn2 and everyone else - I appreciate each input and each oithers view so well done. Its what living in a free country is all about !!!

Keep up the good work and don't get all upset----------

now

about my use of the slang Scots??? When can I start up again without folk complaining??? :P :P :P :P :P :P :P :P :P :P :P :P :P :P

yer man in ra north

[Phoenix999]

now

about my use of the slang Scots??? When can I start up again without folk complaining??? :P :P :P :P :P :P :P :P :P :P :P :P :P :P

yer man in ra north

Hey is there some way of keeping this place a location for the Queen's English .... in otherwords a place where the written word can be understood

;)

[Flynn2]

'This thread is quite interesting.... someone starts it and then gets upset or annoyed when he/she does not read what they want to read

Flynn2.... we had a slight difference of opinion in the past so I can say from experience that you have something of an attitude problem.

I am a lot older than you so please take this as a voice of experience.... life is not handed on a plate, you have to work for everything you want. Unless, of course, Mummy and Daddy are rich and can spoon feed you towards the grave. I had to go out looking for work, I got 'knock backs' on job applications, but that is part of learning what life gives you which is, sadly, the occasional kick in the teeth. But once you learn from this it will make you stronger and more determined to go back out and get what you are after.

I have a son and daughter that have fought for the jobs they have, application after application. My son, when at college, went into numerous shops and stores and asked for any type of job they could offer him.... now, at 23, he works for the giant supermarket as a manager earning a salary that is in excess of £35,000. You will only get such as this by working and asking for it.... get out there and find what you are looking for, employers will not search you out. My daughter tried just as hard and now has a good job with a local authority.

On the matter of car insurance, a No Claims Bonus is simply another thing in life you have to work for. Buy yourself a small car with a small engine and work you way up the ladder to, hopefully, the supercar you are aiming for.... I hope you get what you deserve and work for in life!

Thanks. I have recently started asking and it seems more effective than just spamming C.V.s everywhere as it puts them on the spot more and you can get in the nitty gritty and make it awkward for the suckers. I can't help but feel sorry for the poor spotty 17 year old that big old me is intimidating though :D

fine I'm wrong (in your opinion) get on with getting your insurance yourself, get on with getting a job yourself (I have contacts in one of the largest retailers in the UK having just spent 2yrs working for them, they are desperate for xmas staff in some areas but you are not suitable)

Why am I not suitable? You haven't even seen my C.V. I am playing the role of a dumb cartoon character here. Ofcourse you will point to my so called "attitude".

[Kev Mc]

Why am I not suitable? You haven't even seen my C.V. I am playing the role of a dumb cartoon character here. Ofcourse you will point to my so called "attitude".

I haven't read half of the posts in this thread but I already know that I'd never employ you while your attitude is the way it is now, no matter what your CV said

[Remoh1]

always remember to take care of the feet you tread on on the way up as they may be connected to the ar*e you have to kiss on the way down.

as for your CV flyn you havent had that many jobs so its not going to light the world up which is why your attitude needs too.

[Flynn2]

fine I'm wrong (in your opinion) get on with getting your insurance yourself, get on with getting a job yourself (I have contacts in one of the largest retailers in the UK having just spent 2yrs working for them, they are desperate for xmas staff in some areas but you are not suitable)

Why just in my opinion? I am stating FACTS and figures. The diesel is slower than the smaller petrol. Why can't you non car people just accept that engine size doesn't necessarily equal performance

[TOLDI]

always remember to take care of the feet you tread on on the way up as they may be connected to the ar*e you have to kiss on the way down.

as for your CV flyn you havent had that many jobs so its not going to light the world up which is why your attitude needs too.

*********************************

Interesting! In the last century when I was still 16, I and a mate --17 -- "Co-Owned" our first motor. It was 1265 cc (anybody want to guess what it was?)

When I got to 17 we insured it Third party with the Co-op for £9:10 shillings (That's £9:50), and paid an extra 15 shillings (£10:5 shillings total) or £10:25 in silly money for "Fire and Theft", and that included "any driver" ----- and we were learners at the time.

But that did actually represent 2.5 weeks of my apprentice engineer wage then. And we were all a bit wild, and so had some inexperience type of prangs and sorted things out ourselves.

Nowadays, my insurance on a 2005 2 litre Megane Cabrio Coupe, and a 2001 Mondeo 2:0 TDI Diesel and a '93 Toyota Africa Stallion pickup is currently £630 with Li. Vic. (just for me and Wifey) and comes out of my pension --- (yes, I'm very old and retired with loads a no claim)

When I had 1st. car, ---- Petrol was 4/6 a gallon, beer 1 shilling and tuppence a pint of mild, and Mars bars were sixpence (2 1/2p and much bigger) !Removed! 2 bob for 10 and free love abounded, get my drift? ---- Exchange 1172cc side valve Ford engine £29 as well.

Anyoldway, lots of "old" people in and around our very rural village are very happy to find someone to cut grass, tidy gardens and do odd jobs. Perhaps you could explore that type of opportunity (knock on a few doors or ask around) whilst you seek your dream job?

[bothwell_buyer]

now

about my use of the slang Scots??? When can I start up again without folk complaining??? :P :P :P :P :P :P :P :P :P :P :P :P :P :P

yer man in ra north

Hey is there some way of keeping this place a location for the Queen's English .... in otherwords a place where the written word can be understood

;)

Ye - India :)

[Phoenix999]

fine I'm wrong (in your opinion) get on with getting your insurance yourself, get on with getting a job yourself (I have contacts in one of the largest retailers in the UK having just spent 2yrs working for them, they are desperate for xmas staff in some areas but you are not suitable)

Why just in my opinion? I am stating FACTS and figures. The diesel is slower than the smaller petrol. Why can't you non car people just accept that engine size doesn't necessarily equal performance

Flynn2.... you really have the most natural knack of making friends

always remember to take care of the feet you tread on on the way up as they may be connected to the ar*e you have to kiss on the way down.

as for your CV flyn you havent had that many jobs so its not going to light the world up which is why your attitude needs too.

*********************************

Interesting! In the last century when I was still 16, I and a mate --17 -- "Co-Owned" our first motor. It was 1265 cc (anybody want to guess what it was?)

When I got to 17 we insured it Third party with the Co-op for £9:10 shillings (That's £9:50), and paid an extra 15 shillings (£10:5 shillings total) or £10:25 in silly money for "Fire and Theft", and that included "any driver" ----- and we were learners at the time.

But that did actually represent 2.5 weeks of my apprentice engineer wage then. And we were all a bit wild, and so had some inexperience type of prangs and sorted things out ourselves.

Nowadays, my insurance on a 2005 2 litre Megane Cabrio Coupe, and a 2001 Mondeo 2:0 TDI Diesel and a '93 Toyota Africa Stallion pickup is currently £630 with Li. Vic. (just for me and Wifey) and comes out of my pension --- (yes, I'm very old and retired with loads a no claim)

When I had 1st. car, ---- Petrol was 4/6 a gallon, beer 1 shilling and tuppence a pint of mild, and Mars bars were sixpence (2 1/2p and much bigger) fags 2 bob for 10 and free love abounded, get my drift? ---- Exchange 1172cc side valve Ford engine £29 as well.

Anyoldway, lots of "old" people in and around our very rural village are very happy to find someone to cut grass, tidy gardens and do odd jobs. Perhaps you could explore that type of opportunity (knock on a few doors or ask around) whilst you seek your dream job?

Ah the good old days.... yes I too am old enough to remember the old money The advice held in your last sentence is very good and shows that work is indeed everywhere if one wants to seek it out

now

about my use of the slang Scots??? When can I start up again without folk complaining??? :P :P

yer man in ra north

Hey is there some way of keeping this place a location for the Queen's English .... in otherwords a place where the written word can be understood

;)

Ye - India :)

India.... sadly you may well be correct

[chatman]

I think this thread has now run it's course and all seem to have offered advise off sorts and based on facts and experience....

Take what's been said and advised and do what you think is best....Getting back and bickering against members who have taken their time to offer advise is not a good move...The internet is a good place as no one has to see each other face to face and can type what they want.....Most on here have at some point been in the same boat as you....

[Blue84]

I think this thread has now run it's course and all seem to have offered advise off sorts and based on facts and experience....

Take what's been said and advised and do what you think is best....Getting back and bickering against members who have taken their time to offer advise is not a good move...The internet is a good place as no one has to see each other face to face and can type what they want.....Most on here have at some point been in the same boat as you....

Agreed!

[Boro Sera]

Most on here have at some point been in the same boat as you....

Don't take the **** mate - have you seen how much Boat insurance costs ????

[bothwell_buyer]

Most on here have at some point been in the same boat as you....

Don't take the **** mate - have you seen how much Boat insurance costs ????

Boat Insurane !!

You try buying Hinge Insurance :shutit: :shutit: :censor: :censor: :censor: