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New Driver Insurance
Before you can legally navigate through the streets of UK, you need to obtain a driving licence and then your new driver insurance cover. Here, we will find out why most new driver insurance policies cost more for young drivers as compared to older, more experienced ones. We will also check on the things that you need to do so that you can bring the cost down and obtain comprehensive new driver insurance without having to pay an arm and a leg for premiums.
Why New Driver Insurance For Young People Is So Expensive
Why do car insurance plans cost more for young drivers in the first place? To have a deeper understanding of this, let us take the view point of a car insurance provider. As compared to older, more experienced drivers, you are taking on more of a risk of the car insurance policy being claimed when you offer plans to young, inexperienced drivers.
This is due to the fact that they are only newly getting behind the wheel. Some of them are driving under the supervision of their parents or a driving school instructor. Their young age also makes them more accident prone when navigating through the streets as compared to the older, more experienced drivers.
The statistics show that young drivers are more of a hazard to the streets as compared to their older counterparts. One statistic in particular show that young men under the age of 25 account for over one quarter of all serious driving offences in the UK. This is despite the fact that they make up only around 3% of all drivers in the UK. The statistics reflect what is actually happening on the roads and that is what insurance companies base their premiums on.
To sum it all up, new driver insurance policies cost more simply because insurers potentially take far greater risks on policies for learner drivers.
New Driver Insurance: Quick Facts for the Not So Young
But what if you are not necessarily in your teens or 20s anymore – but you have just passed your test so are still a new driver? If you only found the need to take driving lessons once you are already in your late 20s or early 30s, will car insurance providers look at this positively or from a negative aspect?
Fortunately, you might be able to qualify for discounts when you are obtaining new driver insurance – and you are not a teenage driver anymore. This is because insurance companies would look at you as lesser of a risk on the road as compared to teenage drivers who are newly beginning to learn how to drive.
A Final Word On New Driver Insurance
Lastly, how can you save on costs if you are applying for a new driver insurance? Take a look at the following tips that you should keep in mind:
- Obtain a Pass Plus certificate. There are car insurance companies who support the Pass Plus scheme. This is a scheme wherein new drivers who just recently passed their test can qualify for substantial discounts on their new driver insurance policies.
- Try to avoid driving modified cars. When you are a relatively new driver, any upgrades on the audio, styling or engine performance of your car would work against you when it comes to the rates of your car insurance plan. Try to avoid this when you are newly beginning to drive, and go instead for older model vehicles until you have gained sufficient driving experience.
- Shop for new driver insurance plans from companies who specialise in offering such policies. A new driver insurance policy is not something that every insurance provider offers, so try to look for a company which specialises in offering such plans.
- Limit your mileage. The less amount of time you spend on the road, the lower your risks of making a claim. So try to limit your mileage so that you can get lower new driver insurance premiums as well.
Obtain as many online quotes as possible, and take your pick from there. Finally, try to make a comparison of as many online quotes as possible. Based on the rates you can narrow down your choices to two or three, then read the fine print and scrutinize the Terms and Conditions of each plan. By doing so, you can rest assured that you will have the most appropriately-priced, yet comprehensive new driver insurance plan that you can have.
