Thame Driving Blog

    Best Insurance Deals For young drivers

    Thame Driving Blog

    About 2 years ago I was approached by several customers about information that we know as "motor industry experts" but is unknown to the wider public.

    I thought that knowing what to do to pass your MOT or how to claim money back if you hit a pothole was easy information to find. Apparently not, and anayway when it comes to cars and motoring, what I have found is that there is alot of guff and untruths out there. The feeling I got was that people want to listen to people that they trust.

    So....I started writing articles about useful motoring information, amusing tales and local information. I now send this out to over 2,000 people on a monthly basis along with other motor related emails and generally get really good feedback. In fact what happens now is that my readers are now telling me what to write about.

    I hope you enjoy the articles and if there is a particular topic you want to know about then please let me know.

    Nick

    On Sunday evening I got a phone call from my 18 year old cousin who recently passed his driving test and went window shopping on the weekend for his first car.

    He called me in a Panic “Preety, why is insurance on absolutely anything so expensive – I’ve just spent so much on learning to drive now my insurance is just horrendous”.

    So if you have a son, daughter, or other young relative who has recently passed their test and ready to hit the road, you may be stuck in the same dilemma of which car to buy, with them asking themselves the question: “how am I going to afford my insurance?

    I’ve been doing some research on getting the best out of your car insurance to help my cousin so thought I’d share it with all of you too:

    Choose your car with care:

    It goes without saying that a car with a powerful engine will cost much more, so go for something with a smaller engine! The Ford Fiesta 1.0 Ecoboost in Race Red is the perfect combination of sport and style, and put off modifying the car for at least the first year.

    Get an extra driving qualification:

    Some insurers offer a huge discount to drivers who take part in the pass plus scheme, it’s designed to give additional coaching to new driver; there logic behind this, is that by doing this qualification it increases your confidence so you’re less likely to have an accident.

    You can find out more about pass plus here (https://www.gov.uk/pass-plus/overview)

    Up your excess:

    You could choose to increase your excess- this is the amount you have to pay upfront if you have to make a claim. This usually helps reduce the overall cost of your car insurance.

    (But just remember to be realistic about whether you can afford that lump sum in the case of a claim).

    Add a second driver:

    Adding an experienced and older named driver in the policy is a great way to bring some of the costs down. This way the insurance company can be reassured that the young driver will not be the only one driving the car, which they believe reduces the chances of an accident occurring.

    Watch out for ‘fronting’. The car must be in the name of the main driver of the vehicle, otherwise insurance will be invalid.

    Pay in a lump sum:

    It’s not always easy to fork out the cost of your car insurance all in one go, but if it’s an option for you, take it. Some things are cheaper to pay by monthly direct debit, but car insurance isn’t one of them.

    Black Box:

    This little box monitors you’re driving, and paints a picture for the insurance company of how safe a driver you are. So if you stick within speed limits then you could potentially get your hands on some cheap drivers insurance.

    Shop around:

    It goes without saying that you need to shop around to find the best deal. Price comparison websites like MoneySuperMarket.com are great for quick checks but remember that not all providers are on there.

    I still remember buying my first car, it was a Diamond Black 1.2 Dynamique Renault Clio and I thought I’d hit the jackpot! Nice little run around and insurance didn’t quite break the bank either.

    Happy Driving