Learner Driver Car Insurance from driving lessons southampton

Learner driver temporary car insurance: If you are trying to persuade your parents or a friend to take you out to practice your driving in their car, try Collingwood learner driver insurance as an alternative to ,and often much cheaper than, being a named driver on their insurance policy, you could have your own policy. That way if anything were to happen!!??? You would not affect the owners' insurance no claims bonus or premium. Also in the event of an accident You would be able to take care of getting their car repaired without affecting the future price of their insurance, whilst at the same time starting to earn yourself a no claims bonus.

With a Collingwood Learner Driver Insurance policy you can insure any car, group 15 or less and under £20,000 in value, when you need it, from as short as a week.
Drive your parents, grandparents, friends or relatives car without any risk to their insurance. Just take out a policy for each vehicle when you need it.

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Learning to drive is a rewarding and liberating step towards independent travel. That said, independence comes at a cost. Aside from the initial expense of driving instruction and car itself, new drivers’ car insurance is one of the biggest costs.
New drivers face high insurance premiums because insurance is calculated according to risk; those with less driving experience are considered more risky than road users with a good driving history and no claims bonus that reflects this.

To help cut the cost of new drivers’ car insurance, it’s important to shop around for the best deal. You could invest a few days to call around a number of insurers or you could visit Gocompare.com who will compare insurance quotes from over 120 car insurers across the market, in a matter of minutes.

But before comparing insurance premiums, you may want to think about the car you’re driving. Some cars are cheaper to insure than others; the Association of British Insurers categorise cars into groups one to fifty. Cars in groups one and two are generally the cheapest to insure. Cars in these categories include the Toyota Yaris, Ford Fiesta, Citroen C1 and Vauxhall Corsa. You will see that these cars have small engines and popularity in common; cars with less powerful engines are seen as less risky and popular, common cars are easy to find spare parts for. So purchasing a car from the lower insurance groups will help keep the insurance premium down.

Next it’s important to decide the level of car insurance that you need. Car insurance is a legal requirement to protect you and other road-users and it’s a form of protection against the cost of claims. There are three levels of insurance:

Third party insurance offers the lowest level of cover, simply covering claims raised by other road-users when you are at fault.
Third party fire and theft covers other road-users and fire and theft insurance for your car too.
Comprehensive insurance is the ‘safe’ option, covering all road-users, including the driver, for a range of incidents such as windscreen damage, legal expense and personal injury to name a few.

Contrary to logic, third party isn’t always the cheapest car insurance option. For example, in a recent quote for a male driver, driving a Peugeot 206 with 2 months driving experience, third party fire and theft was cheaper than third party only insurance by £803.19*. So it’s not always wise to assume that the barest policy is the cheapest!
Once you’ve decided on the level of insurance required, follow these follow money saving tips to reduce your premium:

Once you’ve decided on the level of insurance required, follow these follow money saving tips to reduce your premium:

To keep your premium to a minimum you should keep the engine size of your car to as small as possible. (1.4L or less, anything more would likely increase costs). You could consider car security; Alarms & immobilisers can reduce costs. Also where you keep the car : A garage would be much better than on the road.

Pass Plus (see pass plus page) This course can see you receive a greatly reduced premium from certain companies.

Pay in one instalment
Insurers provide the option of paying for insurance premiums monthly or annually. The monthly direct debit option appears to be a lifeline for those with expensive premiums. But it comes at a price: the premium increases by approximately a ten per cent to pay monthly, a hefty uplift for new drivers.

Add an additional driver
Adding an experienced driver to a policy can dramatically reduce the premium. In a recent quote, an additional driver reduced the premium by £535.63 from £3399.74* to £2864.11*. But note that adding another driver to your policy is quite different to fronting, which is illegal. Fronting is the act of declaring yourself as an additional driver on another’s insurance, when you in fact intend to be the primary driver.

Set a high voluntary excess
The voluntary excess is the amount you contribute to a claim in addition to the compulsory excess. Voluntary excesses generally range from £0 to £500. Setting a high voluntary excess can reduce the premium. In a recent comparison, increasing the voluntary excess from £250 to £500 reduced the premium from £3399.74 to £3373.54. But whilst every saving matters, it’s important to consider what you could afford to contribute to a claim.

Avoid small claims
Small claims that cost little more than the total excess should be avoided as they will prevent the build-up of a no claims bonus. This means that next year’s premium will be equally or more expensive than your current premium. Instead, you will be aiming to reduce your premium, showing the insurer that you are a safe, low risk driver.

Avoid customisations
Modifications are popular amongst drivers, so popular that it isn’t always clear that a car has been modified. However, it is important to declare all modifications to the insurance company. Modified parts are rarer and thus take longer to come by when repair work is required. For this reason, insurance premiums for modified cars can be more expensive. For example, the modifications of a rear roof spoiler and rear valance could cost £4641.69* to insure, whilst a standard vehicle would cost £3399.74* to insure.

And if you’ve tried and tested these cost cutters and want to save further, you may want to ask your insurer about the telematics box or pay-as-you-drive insurance policy. The telematics box is a discreet monitoring box fitted under the dashboard. It uses GPS technology to monitor your speed in comparison to a road’s speed limit. It also monitors breaking, acceleration and corner handling speed using accelerometers. Drivers who drive safely will be rewarded with cheaper premiums whilst those with more erratic speeds and breaking behaviour will suffer in terms of insurance. This is a fair way to assess risk as it is based on the individual rather than generalisations. So if your driving is exemplary, why not look into the telematics box!

* Prices provided by Gocompare.com, correct on 13.04.2011. Prices based on a 19 year old male driving a 2006 Peugeot 206, 1.4 engine, having held a full licence for 2 months.

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If you`re a young person with an urge to get behind the wheel of a car you`ll probably feel ready to go as soon as your 17th birthday arrives. However, there are some important requirements to fulfil first.

You must display an "L" plate ("D" plates can be used in Wales) and hold a provisional driving licence. You must also be accompanied by an adult aged over 21 with at least three years driving experience, ( held a licence for 3 years) Finally your vehicle must be roadworthy – and have an MOT certificate to prove it – and it must be taxed and insured.

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Young marmalade.co.uk offer a learner driver car insurance package as well as policies once you have passed your test. They offer Car and insurance packages for 17 - 24 year olds and if you're looking for a new car could save you a lot of money with their finance/insurance packages. - Free Pass Plus with Young Marmalade - Combined car purchase and low cost insurance scheme.

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For learner drivers, finding suitable car insurance is no easy task as insurers charge young drivers higher premiums due to the increased accident rate within the 17-24 age group. According to the Association of British Insurers, 18 year olds alone cause 50 collisions on the UK`s roads every day – that`s almost three times as many as motorists in their 50s. It has also been found that one in three drivers is likely to be involved in an accident within two years of passing their driving test.

As a consequence several insurers have stopped offering quotes to 17-year-olds altogether and of the providers that do quote many hike both the premium and the excess. So it`s important to shop around to find good value.

One route open to learners is to add themselves as a named driver to a parent`s policy. If you plan to have lessons from anyone other than a professional instructor it is necessary to be added to their car insurance policy or you will be breaking the law.

However, if you have your own car, or plan to learn in a variety of vehicles, there are several insurers which specialise in offering quotes to learner drivers including: 17-24 Car Insurance; Collingwood Learner Driver Car Insurance; and Endsleigh. These are not the only providers that offer schemes for learner drivers however, and you should still take an overview of the market.

Price is an obvious consideration when shopping around for car insurance as a learner driver. However, it`s important to make sure you`re getting a good level of cover for your money too.

Some specialist insurers offer temporary policies for learner drivers. This means that if you do not have a car to drive long-term you can just pay for the insurance you need while learning without being tied into a 12month contract.

In addition, several insurers offer incentives to learner drivers including:

Rapid bonus schemes
These allow you to earn a full year`s no-claims discount in nine or ten months.

Pass Plus bonus
The discount is potentially as high as 35 per cent for completing the Pass Plus course immediately after passing your driving test.

Inform your insurer as soon as you pass your test. If you were only insured on a temporary policy you may wish to shop around as more companies offer young driver`s car insurance and new driver`s car insurance than offer policies specifically for learners.

Just remember that premiums will be high in your first year of driving so take every step you can to keep them manageable. For example if your car is only worth £500 then it`s probably best to opt for a third party or third party fire and theft deal as comprehensive car insurance could cost more than the car itself.

Go compare .com In addition, improve the security of your vehicle, choose a car with a small engine and limit modifications to keep young driver car insurance affordable.

They might be expensive to run and break down on us, but we do love our cars.....

Our cars can at times be infuriating things, especially if they fail to start on busy days when we have many things to do. They can also be expensive to run unless you can find cheap fuel and car insurance prices meaning other luxuries and treats have to be forsaken. However, a recent survey has revealed that Irish motorists actually love their motors so much they consider them ‘part of the family’.

The results from the poll, which was conducted about motorists and their relationship with their car questioned 2,000 drivers in Ireland and showed that more than a quarter of them have a name for their four wheeled friends, with the most popular ones being Charlie and Ruby.

Other common names included Jack, Noah, Harry and Oliver for ‘male’ cars, whilst ‘female’ motors were most frequently called Pippa, Lily, Grace and Jessica.

Some more unusual names were discovered too and these included Talulah, Snoop, Elektra and Baldrick!

A staggering 16 per cent of male drivers see their cars as women, and depict them as sexy and mischievous when describing them. It was also revealed that one-third of motorists will have ‘car-versations’ with their motors on a daily basis, telling them all about their personal problems.

A spokesperson said of the results, “Nearly 20 per cent of motorists who name their cars believe it encourages them to be more careful on the roads. We have nicknames for our friends, partners and even pets so why not our cars?”