Under 25's discrimination? (1 Viewer)

[Pentangeli]

My 21 year-old daughter passed her driving test 4 years ago and has driven every day since. She is a very capable and responsible driver and (touch wood) has not had any accidents. I was very surprised to learn that I cannot put her on my insurance as a named driver until she is 25. She has driven my motorhome, regularly on a nearby airfield and quite frankly, I think she would be an excellent driver, why is it that no insurance company wants to take her money?? Any ideas on resolving this situation or does she have to wait 4 more years?

 

[movan]

Hi there, some time ago I had a similar problem with insuring my daughter. At that time, but don't know if they still do it, we got round it with a policy by Norwich Union who simply added my daughter as and when she wanted to drive the vehicle... minimum period of insurance one month... I fear that the situation now may have changed and she may not be accepted, but see where you are coming from.

How can safe young drivers gain experience if they don't have a vehicle of their own and yet can't get insurance.

Short of you cancelling your existing policy (and being charged a penalty fee) and reinsuring with a more understanding company, sorry cannot be of more help. Joy

 

[scotjimland]

Have you called Comfort Insurance ?
http://www.comfort-insurance.co.uk/

They may be able to help as they they specialise is motorhome insurance ..

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[Terry]

Hi there are ins co's who will insure young driver for a PRICE Unless you are very rich it is beyond sensible pricesoh:Indeed that is what got us into m/h's because our son bought a camper-21- and he could not get ins anywhere at any price so it stood around for a few months.We were going to a 4 day festival in a tent which we did not fancy so my wife said if we tax your van can we borrow it for the 4 days? you can have it never mind the tax was the reply.We enjoyed it so much that got us into camping
Try Google-ing short term insurance
terry

 

[RKE]

Have you called Comfort Insurance ?
http://www.comfort-insurance.co.uk/

They may be able to help as they they specialise is motorhome insurance ..

Hi,
With ref to the above.....I've just had my renewal notice from Comfort and under 'Important Notice to Policy Holders' they state, ....

" Since we do not cover drivers under 25, we have removed reference to additional excesses for young drivers"

Looks like they no longer cover under 25's either! ....

 

[Peter JohnsCross MH]

We cannot hire to under 25's

Peter

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[pappajohn]

aged 24 today.....25th birthday tomorrow, does that make you a more experienced driver ?????

 

[Snowbird]

Got me thinking this oneoh:
My first insurance was about £20 in 1967 that was on a Ford V8 Pilot.

I dont remember exactly but it was about 2 or 3 weeks wages then.

What would 3 weeks wages be for a 17 year old now ???.

That will give you some idea of the real value.

 

[callumwa]

17 year olds don't have wages these days.......... so....

3 x 0 = £0..........

If only

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[Douglas]

aged 24 today.....25th birthday tomorrow, does that make you a more experienced driver ?????

The same can be said about, voting, smoking, sex, working,joining the forces, marriage, and a whole host of things. A line has to be drawn somewhere.

In this particular case the insurance companies know which groups have the most claims and I for one would not be happy if my insurance went up because I was grouped in with the drunk drivers, bad drivers, inexperienced drivers dangerous drivers and the whole host of those that are susceptible to claims.

Doug

 

[john12]

This is a common problem nowadays, insurance premiums through the roof at any age and especially for the under 25's. the problem is clearly the "where theres a blame theres a claim culture" the slightest bump and it costs insurance companies thousands in compensation etc. this seriously needs addressing!!

 

[Pentangeli]

Well, many thanks for all the comments but it looks like she's just going to have to throw a tent in her car and go glamping and nothing wrong with that either. I suspect that's where most of us started out, perhaps even on our bikes, I did!!

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[ShiftZZ]

This may shed some light,,,,

http://www.orsa.org.uk/guidance/pdfs/indepth_study_work_related_road_accidents.pdf

 

[rainbow chasers]

Does she have the entitlement on her licence? I know most kids nowadays can drive smaller vans, but nothing capable of going over 3.5t - which a motorhome quite often can.

Insurers limit their risk exposure by only insuring those in lower risk catagories on certain vehicles - if you consider a motorhome for it's actual value, then it is up with cars that she could not get insurance on either!