So true! I've never understood why young drivers aren't encouraged into modern cars. I suppose Peugeot have just add fuel here in Britain but Im guessing that's not exactly cheap.
Now obviously older cars are a lot more interesting having things like a manual gearbox and an internal combustion engine instead of the motor from a quartz watch. But these companies don't care about that either
@@michaeljones1686 Apart from the fact literally every article you see and the DVLA themselves say women are better drivers. That's why insurance premiums are cheaper for girls
Most of the 'Easter Eggs' and things of note in the video: 0:15 - An MP5 on Jeremy's desk. 0:21 - A photo of the Queen on James' desk. 1:15 - Several bundles of cash and a stack of gold bars. 1:22 - The Stig is trying to photocopy his head. 1:26 - A photo of a cow on Richard's desk. 1:40 - A tooth whitening kit on Richard's desk. 1:41 - A selection of books about railways on James' desk. 1:47 - A photo of Will Young on Jeremy's desk. 2:26 - Richard suggesting he's had no accidents in the last five years.
@@louisazraels7072 33 years ago I bought a '68 Corolla for $300. I still drive it. It's cost me about $4000 over all that time to keep it running and play with a few changes (not counting normal maintenance). It's cost me around $20,000 "just in case I'm an idiot". There are no "accidents", only "becauses".
@@ccox7198 Just statistics. Could be based on the specific brand or model (certain models are more popular among riskier drivers. Rare cars can be a bit of a wildcard in this, without statistics on the model they could keep it safe and ask a lot of money. Or simply assume something based on the specs (power, weight, value etc) which can go both ways. Could be differences in weight, power, safety equipment, new or current value etc
Sometimes looking at the insurance prices on my screen make me want to punch my monitor, frustrated me so much and then when you put the same details in few weeks later the price drops 1k
As a British person who’s under 25, I can confirm this is definitely true. I remember a period where I was unemployed when I was 18, but I still needing a vehicle to do errands and visiting family etc. So I brought a used Suzuki GSX 125 Motorbike worth just under £3K and the insurance for it was over £15K. That means they was expecting me to write it off completely over 5 times a year!
@@jimskywaker4345 They dont expect you to total your shitbox student car, or maybe they do, but thats not what they care about. They expect you to crash into someone elses actually good car, total it too, probably injure the occupants and cause millions in medical bills.
I want this on record that I submitted this to a public finance class in college for an assignment that required us to find a video about insurance quotes. It was played and the teacher, who was ukranian, could stop laughing. It was played to the entire class
I remember buying a Porsche 928 when I was 28 (10 years, no claims). Before I did so I checked with insurance companies- back then Direct Line & Eagle Star were the big boys; each quoted me £5,000pa- just less than I paid for the car. A bit of help from some other owners via 928 mailing list, I called Lancaster (classic car) insurance- £250. They also insured my brand new Jeep Cherokee on the same policy for another £100. Absolute result & a hidden gem to look at insurance companies outside the daylight robbery companies. 👍🏼
"Like a menu in a Scottish restaurant....not much in it and nothing you want." So much humor crammed into this 2.5 minutes its hard to take it all in :-D
I'm Scottish and he is absolutely right. Traditional, rural Scottish eateries are usually very boring and it's only in the past few years that they have got a lot better - mostly because of non-Scottish cuisine being introduced.
@@clarissamcpigeon7857 tbh diversification of food is never a bad thing. That's why English food is much better (here anyway). Everything is with everything else and it has to be good to survive
This is actually kind of insane as Jeremy said of the value of the car versus the cost of insurance, In Sweden it's standard practice to let you parents buy your first car and have them stand on the insurance but you are using it as your own, I did that until I was 25 when the insurance cost finally came down to sensable levels due to my age, which is even more moronic that it's based on age because when I turned 19 I got my licens for driving lorries and where driving for the military for 4 years in terrain and long ass road trips without a single accident
It's also not this expensive in sweden though. I'm under 25 and the "half insurance" for my car is 175kr/month or ~~17 Euros /month. It doesn't even come close to the 800 euro/ month in this video.
Czech here. Same thing. Except I bought my own car with money from a side job. Parents were listed as insured, I was listed as a insurance user. After five years, when I bought a new car, this time insurance was on my name. Insurance company gave me like 60% off, because there was a valid record, I was driving for past five years with no accident.
@@GSG-io8zpCanada, myself and plenty of people I know got either a hand-me-down car that belonged to one of our parents or the parents would buy the car (usually around or less than $10,000 CAD). My fiancé bought his own first car though so not everyone was given one
@@johnrichardson544 actually insurance fraud is if you purposely injure your self for the money you can get from health insurance. Or if you purposely get hit so you get the insurance check from your car insurance.
Car: £1500, Insurance: £1600 Someone crashes into you (Not thier fault, Some dickhead in a bmw with no insurance swerved into them, They barely managed to avoid getting hit but accidentally hit you, front suspension damaged but fixable for £900). You exhance details. His insurance talk to yours and both agree to do nothing. Meanwhile your insurance says you're missing a dustcap therefore the car is modified and your insurance is invalid so they keep the £1600 and next year it'll cost you £2400 to renew and you're out a car. The other guys insurance told him that his air freshner was not factory and his insurance is invalid too so he's in the same boat as you. So both of you lose your cars, The insurance keeps all the money with no pay outs and it'll cost you both more next year. The only person to come out perfectly fine was the guy in the bmw driving with no insurance in the first place.
Toms Tech this whole system is designed to get money back from people and avoid more drivers on the road. It’s really a piss take imagine not being able to drive a nice car during 18-24 this is age when you are really into cars and want to experience them all but these fuckers sitting in the parliament beg to differ
Insurance in general is. It's like placing a bet, but imagine in a bookies, you win on a race and then the bookies begins to charge you for the losses you incurred...that's insurance! I believe the term having their cake and eating it is apt!
In Singapore (where I'm from) 1 concern is when vehicles registered in neighbouring Malaysia (which are legally allowed to be driven on our roads without additional insurance) collides into a Singapore-registered vehicle, as it is practically more difficult to hold the former accountable (since they could possibly return back to Malaysia & thus become harder to trace) & thus file a claim from their insurer. Singapore motorists also faced a particular type of modus operandi (M.O.) when driving in Malaysia, where robbers would intentionally shunt into your car so that you would pull over with the intention to settle insurance paperwork, only to be robbed on the spot. I heard of a Singaporean motorist who didn't fall for this M.O. & kept going, only to be shunted a 2nd time that for some reason I can't imagine stalled his/her vehicle, & he/she still got robbed anyway
Wait, for a street Legal Car you guys dont need Insurance ? You can Drive without an Insurance legally on public roads ? In Germany You cant even get a License Plate without Providing that you have got Insurance on your car
@@RexorProxer How come every time I see a German come across a discussion of doing something illegally you guys can't grasp the concept of braking the law? It's quite endearing honestly. It's exactly like when Jeremy Clarkson once described. (Paraphrasing a bit here) "This one time I was asking a German what would happen if you drove without a valid license? And the Germans just said 'But you can't do that' and I know that but like, you know, what if you did what happens? 'BUT YOU CAN'T DO THAT' and that's Germans for you"
@@556johny556 Why do you think that the discussion is about doing something illegal ? Just said that you cant get the license plate for your car without providing insurance. You can drive without License plates, but then you have to accept the conseqences.
@@RexorProxer Uninsured motorist = illegal motorist, hence the discussion is about doing something illegal. I just thought it's endearing how you guys seem to have such an innocent mindset.
@@556johny556 If you buy used the car likely already has plates, you don't need to change them. You might have everything else you need but you still aren't street legal without insurance.
@@tomnewham1269 When they were at the BBC people always used to complain about Top Gears budget. (missing the fact it was sold worldwide and probably made a profit 😉)
If you think back to studio segments, whenever something doesn’t work because it is a cheap item (i.e. the pen he uses for lap times), he explains it as being “Due to the unique way the BBC is run”.
Try the Netherlands. I was looking at a Renault twingo from 2005 for just under €1000, the cheapest insurance I could find was €130 per month (€1560 per year). You get massive "age charges" if you're under 24 years old, some insurers will flatout refuse you if you're under a certain age (22 to 25 years old). This extra charge can be up to 472% of the insurance cost of a 35 year old with the same amount of no-claim years. Together with road taxes and fuel prices that makes owning a car (especially one registered under your own name) is just about unobtainable for most people of my age just because of their age. Just as a side note, that insurance is only for damage to others, nothing on your own car is covered.
Ireland is the worst offender for extrmely expensive car insurance. I got insured on my parents car (a 2008 Toyota Corrolla Diesel) when I started driving first with a full licence and the cheapest quote I could get is €1800, and that is being a name driver, third party insurance. It has come down a little bit, after I bought a 2012 Toyota Corrolla Diesel, but it's still in my parent's names and at third party. If I went on my own, the cheapest quote would be well over €3000, and that would be only third-party as well. Also in Ireland, the new thing is to scam young drivers with a box in the car to 'lower the cost' of insurance, when in reality, it's much more expensive. If you go over the speed limit by 1 km/h three times, you lose you're insurance while on the road, and you only get a small amount of miles. When you run out of miles, you have to pay extra for another 1000 km, which could be over €100.
Same crap in Germany imo, when I got my drivers license I looked into some of the older Audis and stuff, got offers >1500€/year multiple times... The only difference to the UK is that we are forced to have insurance, not having insurance can get you a hefty fine or 6 months in jail.
@@mc2w yea you can insure these cars for a few hundred a year but only if you have some experience driving without accidents and are over the age of 25 or something, it's only then when car insurance companies give you reasonable offers. Other than that you can assume that being a "Risikogruppe" (male, under 25, owning a drivers license for under a year) and insuring a car with a high "Versicherungsklasse" (e.g. people statistically crash these cars quite often) that the offer will be astronomically high.
As a 17 year old I would absolutely have driven that Suzuki Kei Car box wagon thing. Those are awesome and the boxy ones have decent space. They're all champions on fuel.
For clarity: £600 car and £6000 insurance isn't saying you are going to "write it off 10 times". You have to remember that '3rd party' is the compulsory part of your insurance, so if you hit someone's new shiny car (with potential to cause injury as well) then that is what you are paying for...
It's still completely overprice considering everyone is required to have insurance in the UK, and that on average insurers are going to be paying for the cars they actually insure more often than other than 3rd party claims. The write it off 10 times thing is actually not that far from the truth.
When I was 17 and passed my test i tried insuring a 700 quid no frills Ford escort. £99,000 was a quote. So I didn't drive for at least another year. Unbelievable
So they expect you write that off 141 times a year? That’s nearly three times a week. Might as well drive the car into river every time you need to clean it
When watching 3 middle aged men getting car insurance was the comedy highlight on television... Man, these guys were funny... There has never, and will never ever be better tv than what these guys made in Top Gear...
I've watched this episode of Top Gear maybe seven times. So how come it's only now, watching this clip, that I notice The Stig trying to get to grips with the photocopier at 1:23?
1:11 stack of gold bars in the background 1:23 stig photocopying his head in the background 1:31 Hammond has a picture of a cow on his desk 2:10 May has a picture of the Queen on his desk
There is some really odd self-defeating logic in insurance in the UK. A lot of the insurance companies seem to try to increase their profits by including no-win-no-fee legal assistance with their policies. Every time I have been in an insurance claim in the last 20 years (none of which were my fault) I was put in touch with a legal firm who tried to turn the story into one about my distress, pain, suffering and injury to pad the claim. This must create a circular situation where the thing the insurer does to make money by selling my details ends up making claims larger and costing insurers in general more money. I'm having trouble making sense of it
There is so much stuff going on in the background; Stig photocopying his head, gold bars in a pile, James May's pic of the young Queen, a book about locomotives 1948-1968 also on James May's desk, and the gun on Jeremy's desk. It's just bonkers.
Its probably fine so long as its in his name, He only crashes other peoples cars :D "Going shops but my morgans got a leaky roof, Can I take your land rover?" *Wife Mindys look intensifies*
The stupid thing is I did this the other day with my 17 year old brother to find out when he passes his test what the price would be and it’s £500 cheaper to insure him on a 2.0L bmw 2 series convertible then it is on a 1.0L vw polo or £600 cheaper on a 1.6 Mercedes CLA it doesn’t make any sense at all the fact they want £1600 for a VW polo yet they’re happy to insure someone with now driving experience what so ever on a bmw 2 series or a Merc CLA for less is just insane to me!!!!
I have a claim on my insurance cause I was hit by an un insured driver. Passed my test in June 2018 and I can insure an Evo 9 cheaper than I can insure my mum's mini cooper
It's based on a lot of factors not just bigger engine or more expensive car = more expensive to insure, although it is a starting point. They take into account the safety features on the car, age, car security etc. But, one large thing that people don't realise is that the popularity of the car with certain demographics also changes it. Taking the cars that you mentioned for example, polo's are very popular cars especially with younger people because, depending on the age of course, they are relatively inexpensive. Now when you get a car that is popular with young inexperienced drivers, that specific car becomes involved in more accidents so they see it as " statistically X car is Y% more likely to be in an accident so it will be £Z more expensive to insure now"
TrMark yeah you’re exactly right, so the only answer is for young drivers to drive cars that the insurance companies don’t have large records of young driver crashing making them statistically safer therefore cheaper and this is why when I was 18 I had a old V6 Jag because it was cheaper to insure then my 1.2 Corsa. All I’m saying is a 17/18 year olds with no driving experience are definitely going to be more lethal in a big engined bigger car then a small slow hatch back. Regardless of what statistics says because I know from my own experience I drove a lot quick in the jag I had then the corsa and it was more by luck at 18 that I didn’t have an accident but I’m sure if everyone’s starts doing this they may not be so lucky and to me it’s bonkers that we live is such a back to front twisted world!!
New Zealand can get insurance cheap but cars are expensive insurance is optional 900$NZD for insurance on a VW Golf GTI would make anyone in the UK jealous
I live in Serbia. No matter the age, insurance is based only on engine power and slight adjustment if you had no accidents. Cost is about 50-100€ per year and it is tied to car owner.
@@kanra2689 for 3.8L insurance is 210$ and annual registration is 230$. Total cost with road tax and everything else is 490$ per year. Please consider that average month income in Serbia is 400$.
Insurance companies put the price up on young drivers with the release of films like the fast and furious. They still assume new young drivers have the same attitude as the ones who grew up modding and racing their cars, but as we all know that scene is pretty much dying out these days.
i saw this ep when it aired, god knows how many times have i watched every single episode of top gear plus all the clips on youtube, and this is the actual first time i've noticed stig in the fotocopier at 1:22
The way of thinking insurance companies have is insane... 18 year olds are dangerous, irresponsible, reckless and annoying and will do burnouts, drifting and handbrake turns, so let's price them up so high, they can only afford deathtrap 20 year old rust buckets, or wait until they are 30 before they start driving... So they can become even more dangerous, cause they have forgotten how to drive. Also you can cause a lot of damage with a small junker... Doesn't have to be a sports car to do be dangerous. 28 year old (me now) - you are now a young adult, (carguy young adult, but still an adult) you are a safe and careful driver. You deserve much cheaper insurance for your V8 twin-turbo diesel E420CDI you've illegally modded, cause we are sure you will never use an overpowered RWD Mercedes to break any traffic laws! 50 year old (me in the future) - Full adult! You are even safer and more careful, because you are wiser, more refined, more of a gentleman. We are sure when you buy an AMG Mercedes one day, illegally mod it again, you will never go over the speed limit, or light the rear tires from time to time, or drift around snowy parking lots in winter, or do any shenanigans. It's not about your mentality and you as a driver, it's about your AGE!!!! Have even cheaper insurance! 90 year old me (assuming I live to be 90). You are frail, with bad vision, slow reflexes, bad hearing and at least one semi-major health issue. You are the perfect driver! You would never break any law, because you have so much experience. Doesn't matter if you can't tell apart a truck and a pedestrian. Doesn't matter if you go down a highway the wrong way, or mistake the accelerator for the brake, or do anything bad. Who cares if you only drive twice a year to visit the grandchildren... You are OLD And you are the perfect driver! Enjoy insurance cheaper than chips!
No, it’s when the 18YO in his knackered Corsa drives it into an expensive car, or building etc and the insurance company has to cover that cost. Unfortunately MOST(not all) young drivers bring it on themselves. 17/18 years old is not a mature enough age for people to start driving. However that is the law and because of that the insurance price drops so dramatically in the mid 20’s.
@@eddherring4972 alright mate lol. im sure if you were still 17 or 18 you wouldnt be sitting there saying it isnt a mature enough age. there are dickheads everywhere who think theyre the stig flying around in little 1.2 early 2000s hatches and writing them off, but the stereotype that this is most people is pathetic, not viewing things from young driver perspectives and hugely incorrect. im 19, been driving for 2 years, had no accidents or close calls and i rarely use my car aside from commuting every day or a quick trip to the shop, yet i still get quoted 3500+ on cars just because of their name. so whilst i could go out and afford a nice new car which isnt even that fast, i.e a 2014-2016 audi a3/a4 or a 3 series, staying below the 2L engine mark and nothing more than 140bhp (that will be of course also be safer and more pleasurable to drive) i wouldn't purely because of the insurance price... extortion
glock if there wasn’t a risk associated with young drivers then the premiums wouldn’t be so high it’s really that simple. You may also note the MOST in my comment which obviously doesn’t include yourself (yet). Unfortunately the minority are tarred with the same brush as the majority. You will also find your premium increasing if you are involved in an RTC which wasn’t your fault, you must declare these to your insurer or potential insurer. If I was an insurer I wouldn’t want young drivers on my books, I would have to offer insurance to the age group so I would make it unaffordable. That’s quite straight forward. If it were passed in law that the minimum driving age was raised I would be absolutely in favour and if I was 18 no doubt I’d have a strop about how unfair it was, obviously being totally ignorant of the fact that people were trying to save my life.
Its a piss take the costs for insurance in the UK. One lad I worked with years ago had just come back to the UK from the USA were his dad worked. At 16 he had a 6 ltr car, yep 6 LTR, not a 1 ltr metro but a big 6 ltr yank muscle car. If i remember correctly it was a liability cover. Basically yoy could be in a 1 ltr metro or a 6 ltr muscle car and hit a two millon doller Bugatti, still the same out come.
im a student, i tried getting insurance on a £500 shitbox of a car just to get to work and back the cheapest i could get was £8000 a year with a £2000 upfront if i was 1 year older at 24 it drops by 50% of the price
Zulous what? That’s insane. I’m 20 and have looked into insuring an old Mercedes CLS320cdi. And they wanted £1780 upfront and it was going to be £9100 annually or something like that. I just burst out laughing and remembered why I have a bike instead
That Suzuki wagon R doesn’t sound half bad we only got kei car version 660cc 64hp in top turbo model with skinny tires and small 800kg body it is quite fun so i imagine 1.0 na engine would post similar power. If they could find an Suzuki alto works 3D it would be even 100kg lighter! Thats why other countries need small town kei cars cheap to insure cheap to run and you can have fun on road without going to jail every time you rev it out to redline...
I've always been a believer in a system where by the monthly or yearly cost is much less but the excess is much more. I haven't had any accidents or claimed on my insurance since i started driving 7 years ago. Yet all the money i spent being insured went down the pan basically.
Depends on what kind of car you drive and the type of insurance you want. If you don't want comprehensive insurance because you have an old car with low market value that makes sense, if you have an accident you fix it for cheap if you can otherwise buy another. If you have a brand new or at least fairly recent car worth over 30 grand then the idea of using your insurance to repair your car or buy another starts looking much more appealing.
Car insurance used to be relatively cheap for young drivers up until the late 80s early 90s when manufacturers started to bring out hot hatches. A lot of these were crashed, stolen or both and premiums shot up dramatically after that. Young drivers were seen as too much of a risk and couldn't be trusted with powerful cars (not a lot of BHP like todays hot hatches, but the cars were very light so power to weight ratio was superb). I was lucky, I got a four year old Golf GTI when I was young and only paid £437 insurance before it all got silly.
Honestly they should make insurance optional. If you crash into someone and you don’t have insurance, pay out of pocket. If you don’t have the money, sell your house or car or whatever. Honestly these insurance companies seem like scams.
@@borz7187 In fines, yeah. But my dad bumped into someone on the dual carriageway, and had to replace their exhaust or something. Whatever it was, it cost about 400 pounds. If I was 17, and I had done the exact same thing, I'd be paying my insurance company much more than 400 pounds for that. Maybe over time something like a total of 15,000.
@@borz7187 Yeah. It would make some people bankrupt. But still, I believe it should be your own choice whether to risk being bankrupt by crashing or whether to risk being bankrupt by high insurance.
Times number of 17 yr olds on the road by the premiums listed, how many accidents per year? The money collected would be about: UK 17 yr olds - 500,000 × 3,000 = 1.5 billion pounds! And that's just from 17 yr olds!
