A lesson......hard learned.

awec

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The Pontiac

Alanstrainor wrote: »

It's hardly that far fetched...

I got insured on a 325ci with 2 years NCB at 23, for not all that much more than my bloody Polo. Had he had a number of years driving experience under his belt I reckon getting insured on a BMW wouldn't be too much hassle.

A few years driving experience under someone else's name makes little or no difference when it come to taking out a new policy under your own name.

Anyway, my rant was more about the laws/driving education that's applied in this country. If you have the money, then you're entitled to get behind the wheel. Whereas in other countries, it's based on experience, education and tests. The statics prove my point.

Every weekend now we're hearing of more young drivers getting killed.

The Pontiac

awec wrote: »

An 11 year old BMW not going to be worth that much. In fact I'd say it'd be worth less than a lot of other "middle of the road" cars driven by 22 year olds these days (Fords, VWs etc).

You're talking what, 3 or 4 grand absolute maximum?

Insurance wouldn't be outrageous really in comparison to other 22 year olds.

It has nothing to do with the value of the car.

bobin fudge

for arguments sake, if you are young and going to be a wreckless driver, you will probably be equally as dangerous on the roads thrashing 1 .2 litre car at 80mph than a 2l at 110mph

awec

This post has been deleted.

Jimbob 83

bobin fudge wrote: »

for arguments sake, if you are young and going to be a wreckless driver, you will probably be equally as dangerous on the roads thrashing 1 .2 litre car at 80mph than a 2l at 110mph

This is a very dumb statement tbh

fasttalkerchat

Ollie, I like a few others don't get what you're saying. Are you saying he shouldn't be able to afford the insurance or because of his age should stick to a cheaper car? Or that he should stick to a less powerful car because of his age?

I understood it to be the 3rd.

The Pontiac

fasttalkerchat wrote: »

So you're saying less experienced drivers should be limited to smaller engines? That's all well and good but at the age of 20 I was driving 1,000 miles a week at one point and needed a 1.9 tdi. If you put the limit at 2 litres that doesn't greatly minimise the risk since you can still go double the legal speed anyway.

bobin fudge wrote: »

for arguments sake, if you are young and going to be a wreckless driver, you will probably be equally as dangerous on the roads thrashing 1 .2 litre car at 80mph than a 2l at 110mph

A young enthusiast driver won't buy a bog-standard 1.9tdi saloon though.

A standard Honda Civic isn't much more powerful than a standard Corolla. But the type of driver that buys Civics are statically more likely to have an accident. Hence, the insurance premiums are more.

It's the same with a young guy trying to insure a BMW with zero no claims bonus. The car attracts a certain type of driver. Not saying they're all like that, but statically..

gerarda

gerarda wrote: »

..............He is now 22 and has spent the last 6-7 years saving for his first car ............. the end result was a guy in tears standing in the driveway watching his dream car being towed away....

Anyone who spent that long saving should have more of clue. The lad seems a right gnome.

Alanstrainor

RoverJames wrote: »

Anyone who spent that long saving should have more of clue. The lad seems a right gnome.

He made a silly mistake, but I can imagine someone not entirely clued in on car prices, and scams could be drawn in by a low price and a good car.

He made an expensive and stupid mistake, but I do still feel sorry for the chap.

fasttalkerchat

RoverJames wrote: »

Anyone who spent that long saving should have more of clue. The lad seems a right gnome.

Like I mentioned earlier, a mechanic who regularly buys cars bought one from me with no log book and only a phone number and a gumtree as comeback. Being too trusting is a problem people suffer from regardless of experience.

fasttalkerchat

fasttalkerchat wrote: »

I sold a car to a mechanic without the log book a while back so its incorrect to say that he must have been clueless to buy without one. Some people trust too much when they see the car they want.

fasttalkerchat wrote: »

Like I mentioned earlier, a mechanic who regularly buys cars bought one from me with no log book and only a phone number and a gumtree as comeback. Being too trusting is a problem people suffer from regardless of experience.

Don't really see why you're quoting my post with tbh.
Was the car the mechanic bought off you stolen? Do you know that the mechanic didn't reg check it first? How do you know he regularly buys cars btw? Do you actually know the guy?

Because according to the OP the lad I said seems a gnome bought a stolen car without a logbook.

eringobragh

RoverJames wrote: »

Anyone who spent that long saving should have more of clue. The lad seems a right gnome.

ah leave off hes still wet behind the ears...he was unlucky... I sold my primera to some lad without the logbook...well €150 wasn't going to break the bank..but still.:rolleyes:

eringobragh

eringobragh wrote: »

ah leave off hes still wet behind the ears...he was unlucky... I sold my primera to some lad without the logbook...well €150 wasn't going to break the bank..but still.:rolleyes:

:rolleyes: to you too.

€150 is less than a weeks dole ffs.

22, you'd think he had just turned 17.

Voodoomelon

Thats a shocking hard way to learn a lesson, feel really sorry for the chap.

fasttalkerchat

RoverJames wrote: »

Don't really see why you're quoting my post with tbh.
Was the car the mechanic bought off you stolen? Do you know that the mechanic didn't reg check it first? How do you know he regularly buys cars btw? Do you actually know the guy?

Because according to the OP the lad I said seems a gnome bought a stolen car without a logbook.

He didn't know me and hadn't seen the reg plate. He was on his way here when I realised I had the logbook for a different car. I called him and told him I'd mislaid it but he said not to worry and send it on later. Lifted the car and paid cash. He knows only my first name. I could easily have sold him a stolen car because all it had was a tax and MOT disc.

This guy is in his 50's and has about 10 cars on his website for sale. If a seasoned mechanic and part-time dealer did the same thing I wouldn't be so hard on the fella in the OP's story.

fasttalkerchat

fasttalkerchat wrote: »

............. He was on his way here when I realised I had the logbook for a different car. I called him and told him I'd mislaid it but he said not to worry and send it on later. Lifted the car and paid cash. He knows only my first name. I could easily have sold him a stolen car because all it had was a tax and MOT disc.................

Well seems as you're still there he'd have more than a first name to go on

eringobragh

RoverJames wrote: »

:rolleyes: to you too.

€150 is less than a weeks dole ffs.

22, you'd think he had just turned 17.

With insurance etc, males especially buy cars later on...I only got my first car at 22..bit luckier then this fella, but at that age the heart wins over the head...


The rolleyes was meant at the price of my primera not your post, fyi ....and tbh he got a bargain its still on the road I believe :cool:

... I bought my first car at 18 and was 100% sure I wasn't being ripped off.
Apologies for misinterpreting the use of the roll eyes.

fasttalkerchat

RoverJames wrote: »

Well seems as you're still there he'd have more than a first name to go on

Well he knows what town I'm from too then

eringobragh

RoverJames wrote: »

... I bought my first car at 18 and was 100% sure I wasn't being ripped off.
Apologies for misinterpreting the use of the roll eyes.

Yes but thats was you.........unfortunately life throws these hurdles at some of us...at the end of the day he should have listened to his da.

one of the lads at the mr2 club was dupped with a dodgy head gasket, the guy selling took out the thermostat altogether....

I hate hearing of stunts like that:mad:

couldntthink

I feel sorry for the OP's father, having such a lug of a young lad.

As long as theres idiots to buy a car with no logbook, there will be idiots selling cars with no logbooks.

And "doesn't drink or smoke" is too often confused with being sensible. If you're a clown, you're a clown and not drinking or smoking will not help.

The seller must have been a clown too, what if the original owner rang about the ad, would be very easy to set up a sting.

JerCotter7

<Ollie> wrote: »

How does someone get insured on a beemer for their first car at 22 years of age with zero no claims bonus?

My first car was a 1.0 Fiesta, with a full licence, and it cost me £1,800 (punts), back in the day (2007). I was 21.

Without sounding smart, maybe it was an act of god the car was stolen so he couldn't get behind the wheel .

The laws in this country don't allow for a young fella, with little or no driving experience to sit in any car that is even remotely powerful. The statics prove it. In other countries, you'd be required to do multiple tests first and have a full-licence driver with you at all times. (this was never enforced here).

Maybe he was getting it insured under his dads name? Well then, I'd be asking questions of the father, and not the sobbing son.

€800 for insurance with 0 NCB in my own name on a beemer at 21 here. Only €850 if I want insurance in a 328. So fairly easy to get insured really.

What laws don't allow that is what I would like to know though?

fasttalkerchat

JerCotter7 wrote: »

€800 for insurance with 0 NCB in my own name on a beemer at 21 here. Only €850 if I want insurance in a 328. So fairly easy to get insured really.

What laws don't allow that is what I would like to know though?

What company is that? Is there anything you're not telling us??

gollywog

fasttalkerchat wrote: »

JerCotter7 wrote: »

€800 for insurance with 0 NCB in my own name on a beemer at 21 here. Only €850 if I want insurance in a 328. So fairly easy to get insured really.

What laws don't allow that is what I would like to know though?

What company is that? Is there anything you're not telling us??

Well in that case I'm getting raped on insurance... 26, full licence, 8 yrs NCB, €900

fasttalkerchat

gollywog wrote: »

Well in that case I'm getting raped on insurance... 26, full licence, 8 yrs NCB, €900

22 years old 4 years NCB no accidents named driver only £950
on a 2007 1.6 focus

gollywog

Ya but I thought with me being over 25 and having 8 years no claims bonus it might be less... It was under 600 before I changed the car though

fasttalkerchat

gollywog wrote: »

Ya but I thought with me being over 25 and having 8 years no claims bonus it might be less... It was under 600 before I changed the car though

We're both getting screwed. I only have my insurance as a legal formality and the insurer know that I will never claim but still charge a fortune

gollywog

fasttalkerchat wrote: »

gollywog wrote: »

Ya but I thought with me being over 25 and having 8 years no claims bonus it might be less... It was under 600 before I changed the car though

We're both getting screwed. I only have my insurance as a legal formality and the insurer know that I will never claim but still charge a fortune

It's crap alright... But unfortunately needs be, better than not driving!

Jimbob 83

Young feckers the log of ye, shuurrrre ye will only be speedin anyway and doing doughnuts hah ! :pac: