Young Drivers

[TWR]

and car insurance, I am not giving these drivers some stick, but due to the various TV Programs they are very more likely to have Accidents / Speeding offences in the first year of driving with that in mind, our insurance Premiums go up, Why? can there not be a fair system that separates the young from experienced Drivers for a limited period of 3>>5 years until they have gained the experience, I think this system would be fair and not penalize drivers with a clean record, what do you think?

[ummmm]

I think it's already happening!

[AB Editor]

isn't that what already happens?

Additionally, telematics has become very commonplace and makes insurance for young drivers much more reasonable.

[Old_Geezer]

Don't they already get quoted sky high premiums ?
Besides is it age or lack of experience you are unhappy about ?

[Old_Geezer]

Ah you mean the spy in the car ?
Big brother surveillance being accepted as normal whilst still young ?

[mikey4444]

TWR....I have contemplated insuring with a company that only takes wrinklies like me, like SAGA, but they aren't necessarily less expensive.

[Old_Geezer]

It's all those claims for broken hips when trying to get into the car.

[EDDIE51]

1 in 3 drivers under 21 will have an accident claim within the 1st year of driving, that is why the premiums are so high.
A young driver with just 1 year claim free will find the 2nd year insurance is up to 50% cheaper.

[TWR]

Yes I do believe the black box is used by Some Insures but not all of them.

[Islay]

The risk of being involved in an accident and being hurt or killed whilst travelling on the roads has diminished over time. In 1938 there were 314 casualties for every 100 million kilometres travelled while in 2012 there were 41 casualties per 100 million kilometres travelled.

In pre-war and wartime Britain, travelling on the roads carried a greater risk of being killed. For example, between 1939 and 1941 the number of fatalities averaged around 8,700 per year, over three times the annual number killed today. Since the 1970s the number of road deaths has fallen considerably, from over 7,700 deaths in 1972, to 1,754 in 2012.

Of the 6,029 car drivers killed or seriously injured in 2012: 8% were aged 17 to 19; 25% were aged 20 to 29; 42% were aged 30 to 59; 9% were aged 60 to 69; and 13% were over 70.

[Arrods]

Islay - Do the stats you quote differentiate between those responsible for the K&SI and those that were not?

[EDDIE51]

Islay, you do not say how many more kilometers were driven in 2012 against 1938. I would imagine at least 20 x as many kilometers were driven in 2012 as in 1938.

[vulcan42]

Latest research.
http://www.bbc.co.uk/news/science-environment-37292951

[New Judge]

"Islay, you do not say how many more kilometers were driven in 2012 against 1938. "

We didn't have kilometres in 1938 :-)

[EDDIE51]

We did have kilometers in 1938 NJ but the UK did not use them, and still don't in the main.
TWR How could you have a system that separates young drivers from experienced drivers? A separate road system ? Only allow drivers on the road at specific times according to age and experience?
That has been tried to an extent, there are places that ban new drivers from driving at night and during 'rush hour peak traffic times'.

[Islay]

Sorry my research is a little out of date but I was trying to point out that TWR did not have all the facts!

As for what I think - I think we were all new drivers once although some seem to have forgotten that!

[THECORBYLOON]

EDDIE, the lack of miles travelled in '38 is offset by the fewer cars in that period. You would have thought there would have been fewer casualties due to the lower number of vehicles to be involved in accidents but that is clearly not the case.

[EDDIE51]

^ Agreed CORBY . It shows how much safer cars are now for both drivers and pedestrians!

[Prudie]

From the OP isn't there already a system that separates young/inexperienced from experienced drivers to give fairer insurance premiums - namely the totting up of no claims bonus years.