Re: HAGM Insurance

Beav wrote:
> "Dan L" <dan.yodanet@xxxxxxxxx> wrote in message
> news:3qqb2uFgb5dbU1@xxxxxxxxxxxxxxxxx
>> dwb wrote:
>>> Dan L wrote:
>>>>
>>>> I pointed out that the only time he
>>>> would be driving would be with me or his mother alongside him, so
>>>> IMO the risk was negligable,
>>>
>>> Charged environment, driver nervous but also aware it's nto their
>>> car so WTF - I can see their point ;-)
>>
>> I can't. The fact that I was happy to let a 17 yo learner drive the
>> car should have indicated that I wasn't too bothered if it got
>> pranged.
>
> I can't see the insurance co's thinking along those lines either.
> Actually, they don't care what YOU think at all, they care about
> someone making a claim and losing them money and 17yo learners are a
> fairly high risk. And you've failed to address the insurance
> company's thoughts on that 17yo's action on someone else's car
> (someone who probably DOES care if it gets pranged), let alone any
> personal injuries they may inflict.

Okay, I'll try to simplify my train of thought on this one for you, and yes,
I am aware of how insco's work with regard to risk assessment.

I cannot see that a 17 y/o on L Plates in a VW Golf owned by his dad, with
either his mum or dad sat next to him at all times is a higher risk than a
17 y/o who's just passed their test in a Renault Clio.

In fact, to illustrate this, whilst he was learning to drive (admittedly, in
the Clio) with his mum or me sat next to him, he drove extremely well and
very carefully. 3 days after passing his test he stuffed the Clio into the
back of another car whilst out with his mates.

--
Dan L (Oldbloke)
dan.yodanet@xxxxxxxxx
My bike 1996 Kawasaki ZR1100 Zephyr
M'boy's bike 2003 Honda NSR125R (Going)
Spare Bike 1990 Suzuki TS50X (Patio Ornament)
BOTAFOT #140 (KotL 2005), X-FOT#000, DIAABTCOD #26, BOMB#18 (slow)




.

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