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UK Window Cleaning Forum => Window Cleaning Forum => Topic started by: H20cleaning on April 19, 2012, 10:09:23 pm

Title: Just had my insurance renewal for van:(
Post by: H20cleaning on April 19, 2012, 10:09:23 pm
I am sick to the back teeth of insurance for young drivers! I am 19 years old trying to make a go of owning my own business and so far over achieved what I first though after 2 years! I think some incentive for young people trying to get going self employed were you get. 25% cheaper insurance! My vans a x reg partner Probly worth 1000 yet I'm paying 1500:/
Anyone got any ideas?
Title: Re: Just had my insurance renewal for van:(
Post by: SB Cleaning on April 19, 2012, 10:12:44 pm
Sometimes i feel good about being nearly 35 ;D
Title: Re: Just had my insurance renewal for van:(
Post by: colin purewater on April 19, 2012, 10:18:00 pm
I think that really good for you age mate,

My bro in law pays 3 times that and he's 21
Title: Re: Just had my insurance renewal for van:(
Post by: Frankybadboy on April 19, 2012, 10:24:19 pm
get family to insure with other drivers,you being one of them.?
Title: Re: Just had my insurance renewal for van:(
Post by: H20cleaning on April 19, 2012, 10:26:35 pm
That's on my dads insurance the van is worth 1000 and I never speed cause in always full of water argh
Title: Re: Just had my insurance renewal for van:(
Post by: AshWhite on April 19, 2012, 10:28:29 pm
Have a chat with autonet insurance, they got me the best deal by far.

http://www.autonetinsurance.co.uk/

For some reason, I still think of myself as a young driver - but I turned 30 last week  :(
Title: Re: Just had my insurance renewal for van:(
Post by: KLEENAWAY on April 19, 2012, 10:38:54 pm
Im 23 with 2 years no claims, drive a fiat doblo and i pay £1300! Wish i could have got insurance for that price when i was 19
Title: Re: Just had my insurance renewal for van:(
Post by: BartG on April 19, 2012, 11:28:22 pm

i pay 1740 for s reg astra  ::)
Title: Re: Just had my insurance renewal for van:(
Post by: mikecam on April 19, 2012, 11:44:33 pm
I am sick to the back teeth of insurance for young drivers! I am 19 years old trying to make a go of owning my own business and so far over achieved what I first though after 2 years! I think some incentive for young people trying to get going self employed were you get. 25% cheaper insurance! My vans a x reg partner Probly worth 1000 yet I'm paying 1500:/
Anyone got any ideas?
Hey you aint special or victimised. I'm 50, no points and 10 years plus no claims and my renewal quotes where only marginally cheaper than yours. If you've overachieved then you'll have plenty to spare on insurance.
Title: Re: Just had my insurance renewal for van:(
Post by: Window Washers on April 20, 2012, 12:54:58 am
I am sick to the back teeth of insurance for young drivers! I am 19 years old trying to make a go of owning my own business and so far over achieved what I first though after 2 years! I think some incentive for young people trying to get going self employed were you get. 25% cheaper insurance! My vans a x reg partner Probly worth 1000 yet I'm paying 1500:/
Anyone got any ideas?
Hey you aint special or victimised. I'm 50, no points and 10 years plus no claims and my renewal quotes where only marginally cheaper than yours. If you've overachieved then you'll have plenty to spare on insurance.
Mike you need to change insurance companies unless of course you have been a bad boy
Title: Re: Just had my insurance renewal for van:(
Post by: scud on April 20, 2012, 07:37:33 am
That's on my dads insurance the van is worth 1000 and I never speed cause in always full of water argh

 The value of your vehicle is pretty much immaterial for insurance. Your £1000 van will do the same damage to a third party as a £80k Range Rover.

  I am sorry to say this, but at 19 years old you are statistically a high risk driver, and will remain so until you are older.

  And if you are the main driver but only down as a named driver, then you are commting a crime known as fronting, the insurance companies are very hot on this nowdays.
Title: Re: Just had my insurance renewal for van:(
Post by: Blue Frog Systems on April 20, 2012, 07:47:39 am
mines ab out 1100 on a boxer with 1 other person on there (comp)
Title: Re: Just had my insurance renewal for van:(
Post by: deeege on April 20, 2012, 07:57:31 am
2 drivers both over 30 years of age. 3 years no claims and paying over £1300 for insurance. What'sthatallabout? :(
Title: Re: Just had my insurance renewal for van:(
Post by: ♠Winp®oClean♠ on April 20, 2012, 08:06:09 am
I am sick to the back teeth of insurance for young drivers! I am 19 years old trying to make a go of owning my own business and so far over achieved what I first though after 2 years! I think some incentive for young people trying to get going self employed were you get. 25% cheaper insurance! My vans a x reg partner Probly worth 1000 yet I'm paying 1500:/
Anyone got any ideas?
Hey you aint special or victimised. I'm 50, no points and 10 years plus no claims and my renewal quotes where only marginally cheaper than yours. If you've overachieved then you'll have plenty to spare on insurance.

You need to move from wherever you live!!!!! :o :o ;D
Title: Re: Just had my insurance renewal for van:(
Post by: bobplum on April 20, 2012, 08:18:08 am
I am sick to the back teeth of insurance for young drivers! I am 19 years old trying to make a go of owning my own business and so far over achieved what I first though after 2 years! I think some incentive for young people trying to get going self employed were you get. 25% cheaper insurance! My vans a x reg partner Probly worth 1000 yet I'm paying 1500:/
Anyone got any ideas?


do you go thru comparison websites,if so it may be cheaper trying to go straight to the company's
Title: Re: Just had my insurance renewal for van:(
Post by: H20cleaning on April 20, 2012, 08:35:12 am
So because I have over achieved Its fine that I spend the money I have made on insurance... Priceless! Yeh my point is the government are always trying to set up schemes to get young people starting off on their own... How are they going to be able to afford insurance like that!!!!
Title: Re: Just had my insurance renewal for van:(
Post by: Helen on April 20, 2012, 08:53:39 am
So because I have over achieved Its fine that I spend the money I have made on insurance... Priceless! Yeh my point is the government are always trying to set up schemes to get young people starting off on their own... How are they going to be able to afford insurance like that!!!!
Unfortunately you have the last 15 odd years of young drivers getting it wrong and pushing up premiums. It's tough on you I agree, but what doesn't kill you makes you stronger. The government are always on about things that help people, but rarely is it true! (there's been no change for ever with that subject)
You can always put your insurance premiums against business expenses which will then help to reduce your tax payments, which does soften the blow a little. :)
Title: Re: Just had my insurance renewal for van:(
Post by: g.brookes on April 20, 2012, 03:11:18 pm
i dont think its really right to blame the government for this.  the main reason insurance costs so much is because joe public is claiming a hell of a lot more for every little scrape they have, whiplash and minor injuries etc.  personally i have never made such a claim but i know a lot of people who have, and we only have ourselves to blame and a nation for our insurance costs going up and up.
i agree its not an ideal situation and at 26 i pay 1500 a year myself but i dont think the government can do much about it.  i would say the government has actually helped me out starting a business at 24 very well- i got a business loan from the council at an extremely low interest rate to buy my wfp setup, and i got a free website as well.  cant really complain
Title: Re: Just had my insurance renewal for van:(
Post by: Helen on April 20, 2012, 03:59:48 pm
I don't think that blame for the high insurance was directed at the government, but the fact that they openly say "we will help start ups" and then other things like insurance cost the earth :)
Title: Re: Just had my insurance renewal for van:(
Post by: TomCrowther on April 20, 2012, 05:19:30 pm
It's also the million plus uninsured drivers who we all have to subsidise when the plonkers decide to crash into the back of Mrs Smith at the lights.
Title: Re: Just had my insurance renewal for van:(
Post by: Johnny B on April 20, 2012, 05:29:53 pm
I don't think that blame for the high insurance was directed at the government, but the fact that they openly say "we will help start ups" and then other things like insurance cost the earth :)

They promise to help people to start up here in Ireland as well. However, when I went to see if I could get any help, they told me that if I came to Ireland looking for work I had come to the wrong place, and I was advised to go back to England.

Nine months later I am slowly but surely making it work. My family haven't missed a meal and the rent is up to date. No thanks to the powers that be that proclaim that they help people willing to graft but prove false to their claims.

John

Title: Re: Just had my insurance renewal for van:(
Post by: MWC on April 20, 2012, 10:33:14 pm
Have a chat with autonet insurance, they got me the best deal by far.

http://www.autonetinsurance.co.uk/

For some reason, I still think of myself as a young driver - but I turned 30 last week  :(

Not a chance would i use autonet, massive apr rates and jokers when you want to cancel a policy, £50 fee.
Title: Re: Just had my insurance renewal for van:(
Post by: mikecam on April 20, 2012, 11:15:59 pm
I am sick to the back teeth of insurance for young drivers! I am 19 years old trying to make a go of owning my own business and so far over achieved what I first though after 2 years! I think some incentive for young people trying to get going self employed were you get. 25% cheaper insurance! My vans a x reg partner Probly worth 1000 yet I'm paying 1500:/
Anyone got any ideas?
Hey you aint special or victimised. I'm 50, no points and 10 years plus no claims and my renewal quotes where only marginally cheaper than yours. If you've overachieved then you'll have plenty to spare on insurance.

You need to move from wherever you live!!!!! :o :o ;D

I know, i been here 20+ years in same house. Not our fault its a high crime area !!  ;D
Title: Re: Just had my insurance renewal for van:(
Post by: mikecam on April 20, 2012, 11:19:22 pm
So because I have over achieved Its fine that I spend the money I have made on insurance... Priceless! Yeh my point is the government are always trying to set up schemes to get young people starting off on their own... How are they going to be able to afford insurance like that!!!!
I'm just making the point it affects us all, not just YOU. How am i supposed to afford it, i do the same job as you and i'm a proven no risk , or at least a less risk ? Are we all "in it together?" or should you pay less because your're young?
Title: Re: Just had my insurance renewal for van:(
Post by: mikecam on April 20, 2012, 11:22:22 pm
It's also the million plus uninsured drivers who we all have to subsidise when the plonkers decide to crash into the back of Mrs Smith at the lights.

No its not. Uninsured drivers do not add hundreds to your premiums. Infact all that data of what uninsured drivers actually cost the rest of us who pay is freely available on the Motor Insurers Bureau website. Top of my head with out checking is that they add about a tenner to the average policy...........go check yourself and find out the facts.
Title: Re: Just had my insurance renewal for van:(
Post by: Kev Munn on April 20, 2012, 11:34:20 pm
Go to A Plan Insurance, I've been with them 4 years and I pay £47 a month and that is fully comp + cover for waterfed pole equipment. I had a claim recently, a car crashed into the back of my Fiat Ducato 2.8jtd van, A pkan were brilliant, they gave me a replacement can fully fitted with a (pure freedom) waterfed pole system. I would highly recommend them.

Regards, Kev.
Title: Re: Just had my insurance renewal for van:(
Post by: Ryan @ Transparent, Carlisle on April 20, 2012, 11:38:58 pm
25yrs old. 4years no claims. Had licence nearly 8yrs .

Insured an 08 transit, and landrover discovery for less than 800 ;)
Title: Re: Just had my insurance renewal for van:(
Post by: mister bit on April 21, 2012, 07:39:30 am
i moved from a crap town to a posh town and my insurance halved on my van so it's as much about postcodes as it is about age.

cheers
Title: Re: Just had my insurance renewal for van:(
Post by: Splash 4 Cash on April 21, 2012, 08:18:09 am
Hi guys I am new to this forum.So don`t want to rock the boat, but its only the government who have the power to to rectify this injustice and they are there to protect us from unfair practice. I do not feel the 1500 charges stack up if you apply your mind to the matter.Thanks
Title: Re: Just had my insurance renewal for van:(
Post by: DB Cleaning Services on April 21, 2012, 08:37:59 am
I've got a vivaro & a berlingo I pay £650 on 1 & £700 on the other ,that's with 2 named drivers 22 and 29 year old,fully comp thru post office insurance,I only pay £900 for my Audi a4 s line with my son named on it at 22 ,that's with Churchill  ;)
Title: Re: Just had my insurance renewal for van:(
Post by: H20cleaning on April 21, 2012, 09:59:17 am
Precisely it isn't just the goverment however tere wanting to encourage young people to start businesses yet don't give help on the most important things insurance etc I can honestly say I saved up every single penny's self payed ban equiptment leaflets uniform etccc pay national insurance on time... They haven't helped me one bit
Title: Re: Just had my insurance renewal for van:(
Post by: AshWhite on April 21, 2012, 10:10:35 am
I don't get some of these prices, I pay less than £700 for my Relay with water tank. I had no no-claims, but they did 'mirror' some soft of NCB from my time in the motor trade. Started the policy last year, aged 29 for £630 (its gone up £50 on renewal, but still the cheapest quote I've had). THAT is why use Autonet.
Title: Re: Just had my insurance renewal for van:(
Post by: g.brookes on April 21, 2012, 11:45:17 am
but if you looked in the right place you could have had help off the government/local council.  anyway, no one owes you anything in this world.  we are self employed and therefore self reliant.   
Title: Re: Just had my insurance renewal for van:(
Post by: H20cleaning on April 21, 2012, 06:24:47 pm
There is no right place to look for help with insurance actually unless you take their UNi type loan and I would then be in a worse position.. ???
Title: Re: Just had my insurance renewal for van:(
Post by: Tara Turner on May 09, 2012, 12:42:27 pm
Have a chat with autonet insurance, they got me the best deal by far.

http://www.autonetinsurance.co.uk/

For some reason, I still think of myself as a young driver - but I turned 30 last week  :(

I just searched about 5 different companies and comparison sites and autonet came up with the cheapest quote.

Title: Re: Just had my insurance renewal for van:(
Post by: Tara Turner on May 09, 2012, 12:43:29 pm
autonetinsurance came up with the cheapest quote.

TT