Car insurance costs for young men: Your views

Image caption,
Some insurers have pulled out of the young end of the market entirely, because of losses

The AA has recorded the biggest jump in the cost of car insurance since it started tracking the market, with young people bearing the brunt of the rise.

Figures due to be published this week show premiums for 17 to 22-year-olds have risen by 47% in a year.

Young male drivers are paying the most, paying an average of £2,457 a year.

BBC News website readers have been describing how the high costs of car insurance have affected them.

Henry Greenhouse from Bromsgrove is about to take his driving test

I am an 18-year-old student currently in my gap year. I have my test on Wednesday and over the past week I've been researching quotes for various cars that include Peugeot 206's and Vauxhall Corsas.

I have been on the comparison websites and the minimum quotes I received are about £3,000 which is a lot more than the value of the car! This is extremely shocking because I didn't hear anything on the news six months ago about the increase in insurance and there wasn't any warning on insurers' websites.

This has really set me back from buying my own car. Just 18 months ago, I was comparing insurance prices for similar cars with my friends - we were receiving quotes ranging from £1,500 and £2,000. This is still a lot for someone my age but it's just affordable.

I am really upset and disheartened by the increase in insurance costs.

The funny thing is I had the chance to start driving when I was 17, and I would've saved a lot of money, but because I could use public transport and not produce unneeded emissions, I waited.

Now this has happened and it's totally unfair, it's very unlucky for me personally. It's a scandal and the government shouldn't allow it.

Luke from Essex is insured on his father's policy

I'm 17 and to get insured driving a Ford Fiesta, I was being quoted £5,000 a year.

Thankfully my father runs his own business and I do some work for him, so he's put me on his fleet policy.

When I passed the test it was great because it meant I could help in the family business, driving vans and making deliveries for him.

To go to college would take me two hours without a car. It involves a walk followed by three different buses.

In a car it only takes me 20 minutes without speeding.

Some of my friends can't get cars although they've passed their tests, because they can't afford the insurance.

Now I've got a car I can help them out by giving them lifts to college and work.

Jeff from Middlesex is paying £3,800 for his son's insurance

I have just insured my 17-year-old son who recently passed his test. It's costing me £3,500 a year, and with instalment charges this rises to £3,800.

A driving test is about £60 and lessons are £25 an hour each, but this is nothing compared to car insurance.

The high prices are just going to encourage people to drive illegally.

There are four of us in the family and I usually spend £6,000 on holidays a year - there goes next year's family holiday.

My other son turns 17 next year and both my sons want to go to university.

We'd like to encourage them to go but how can we do it?

More comments

I can get insured on a 1.4 Fiesta for £6,000 but the car itself is worth £5,000. Going on my parents' insurance policy knocked it down to under £1000 - they were willing to risk their no claims. Some of my friends have passed and haven't even got cars, the insurance just costs too much. Luke, Essex

Anyone who has ever exaggerated an injury or claimed for 'compensation' which is really a windfall, is to blame for this, as are the greedy vulture lawyers who continue to see insurance companies as cash cows. Anne, Pilton

I hate the insurance companies. My car is worth £300 but the cheapest insurance quote I got was £2,100 on price comparison sites. I have been driving for two years now. I've made no claims and some quotes were still over £3,200! No young person can afford to run a car because of the insurance. Peter Wilkes, Plymouth

About six months ago, one of my colleagues was boasting about how his wife got £5,000 from a claim that she caused and wasn't injured in. I was furious and disgusted, and made it known, but he and others suggested it was fair game. Public perception needs to change to reduce the number of false claims. Anonymous, Newport

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