Car Insurance and advice

If you are looking for short-term learner driver insurance on a car that belongs to someone else, so that you can incorporate private practice as well as your driving lessons.  First ask the car owner to check with their insurance company, as not all car insurance companies offer short term cover.  The companies on the links below specialise in learner driver insurance, but do shop around to get the best price.

Please Note
Learners driving a car must hold a valid provisional license and
be supervised by someone who is at least 21 years old who holds a full EC/EEA license for that type of car and has held one for at least three years. You need to display L plates front and rear of the vehicle.

Passed and now you need car insurance for your first car?  It can be expensive for a new driver.  There are a number of things you can do to get the price down. Don’t rush out and buy the first car you see,[Car Buying Advice] – do your homework.  You will need to buy a car with a small engine that has a low insurance group number.  The groups run from 1 to 50. To keep the price as low as possible it will need to be in the 1 to 5 bracket.  For insurance groups, reviews on different makes and valuations go to Parkers.

Don’t buy a car with modifications like big bore exhausts, lowered suspension, big alloy wheels, body kits or a formula one engine fitted under the bonnet.  This will increase the premium and you may not be able to afford to insure it.

The pass plus scheme can help you save money on your insurance premium with some companies.  Pay the whole years premium in one go if you can afford to.  Paying per month will cost a lot more. Offer to pay more excess (the amount you pay up front if you make a claim).  Third party insurance is not always the cheapest – compare different levels of cover, add a  more experienced driver to your insurance policy, possibly your parents.  However, don’t insure the car in one of your parents names if you are the main driver as this is known as fronting and is illegal.   Add a security feature like an alarm or an immobiliser.  Parking it in a garage or on the drive overnight can help you to get cheaper cover.  Limiting the amount of miles you drive over a yearly period to less than the national average can also help. Drive carefully and safely.  Avoid any claims or convictions in order to build up your no claims discount so after the first year the price you pay for your insurance will start to get lower.

Shop around to get as many insurance quotes as you can, then phone up to ask for ways to help with the cost of your first years insurance.  One of my previous pupils did this with Admiral and got a 10 months cover at a  big saving over the 12 month one and still got a good no claims discount at the end of the 10 months for his next policy.

Links to try

Towergate Insurance

Quote 313596 for best discount

Annual

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dayinsure

Short-term/Annual

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collingwoodlearners.

Short-term/Annual

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Admiral

Annual

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Moneysupermaket. com

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Comparethemarket.com

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Gocompare.com

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Co-operative insurance (Smart box or Black box)

Annual

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Adrian flux car-insurance

Short-term/Annual Quote i803 for best discount

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Tesco Motor Insurers

Annual

Please let me know if you get a better insurance quote from any other insurance companies so that I can add a link to them.  Just email me from my home page. Thanks John