Learner Driver Car Insurance from driving lessons southampton

This page will hopefully give you some information about different options when it comes to arranging your Insurance Policy:

Apart from buying the car itself, Insurance is most likely going to be the most expensive part of driving. By law you must have valid insurance but there are many different policies and companies to chose from.

There are 3 main types of Insurance:

1. 3rd Party only ( this is the most basic cover but will only cover other drivers and not you or your car). only suitable for fairly inexpensive cars

2. 3rd Party Fire & Theft ( As above but with cover for fire damage and theft as well.)

3. Fully Comprehensive which covers just about everything.

Insurance premiums are based on risk: under 21's are considered a greater risk than older people, as are more inexperienced drivers, also statistically women are considered less of a risk than men. The premium you pay will be based on a number of factors including your age sex and experience and also the car that you are asking to insure and where you live. As time goes on and if you don't make any claims you will start to build up a no claims discount.

Excess: This is applied to almost all insurance policies and is the amount that you would have to pay on any claim. You can sometimes increase this amount and reduce your premium, a normal amount is from £50 to £200.

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.

Always shop around for your premium nowadays you could try one of the insurance comparison websites.

-----------------------------------------------------------------------------------------------

Learner driver 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 Collingwoods as an alternative to adding you to their insurance policy you could have your own. That way if anything were to happen!!??? You would be able to take care of getting their car fixed in the event of an accident without affecting their no claims or the future price of their insurance whilst at the same time starting to earn yourself a no claims bonus.

----------------------------------------------------------------------------------------------

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.

----------------------------------------------------------------------------------------------

Compare car insurance quotes online for learner drivers, students and young drivers. Get free advice to help lower rates. Save time and money.

----------------------------------------------------------------------------------------------