Best Car Insurance For Young Drivers

Questions and Answers

Your Questions About New Driver Car Insurance Uk

January 28, 2013

Nancy asks…

What are ‘tags’ on cars and how do they work?

In the UK when you buy a car all you have to do is insure and register it in your name (and tax it if it isn’t already!) I was just wondering how it works in the US, I’ve heard about tags on cars but I don’t know what it means, also that US drivers have to carry their license and registration. Obviously I know what a license is but is the registration proof that the driver of the car owns it, or that the car‘s taxed or something else? If anyone can explain it to me I’d appreciate it, thank you!

Administrator answers:

A “tag” in the US is just another name for a license plate. Every car on the road has to have a license plate and it’s regulated by the individual states rather than the federal government. That’s why each state has a different colored license plate.

A registration is also issued by the state and is proof of who owns the car. It must be with the car at all times, or at least carried by the driver.

An insurance card is also required to be with the car. That serves as proof that there is insurance on the car.

A license, as you seem to already know, is proof that the driver is allowed to drive a car.

Michael asks…

How can I drive a motorbike legally in the UK?

I am almost 17, have never driven a motor vehicle in my entire life, and have finally decided to get a 125cc bike instead of a car. I do not want a scooter, but either a crosser or a sport-style bike. Bearing in mind that I do not have any qualifications yet to drive one of these, what steps would I need to take?

Administrator answers:

First of all you need to apply for your provisional licence which currently costs £50… Http://www.direct.gov.uk/en/Motoring/DriverLicensing/NeedANewOrUpdatedLicence/DG_10012514

Once you have your provisional licence, you then need to do your CBT (Compulsory Basic Training) which is basically a days course where they teach you the basics. A CBT costs between £80-£140 depending on the motorcycle training company you use. They can supply the bike, helmet etc. Or you can use your own. Once you have done your CBT, you are allowed to ride a 125cc motorcycle but you must display L plates and you can’t carry passengers or go on motorways until you take your full bike test (theory and practical). A CBT is valid for 2 years, so you will need to take another in two years time if you want to continue riding, unless you have passed your motorcycle test by then.

You can apply for your provisional licence now but it will only be valid for mopeds (50cc) until you turn 17, when it will become valid for motorcycles up to 125cc and cars.

I think you’ve made a wise choice going for a bike instead of a car. It will work out a lot cheaper! You should still try to do your car test ASAP (the on road experience you get from riding the bike will help a lot) so when/if you do eventually get a car your insurance won’t be as expensive as you won’t be classed as such a new driver.

Happy Riding!

Sandra asks…

What is the computer device that police cars have?

The device is in police cars in the UK, i’m not sure about other countries. But it basically tells the police if a car has got tax, insurance, if the vehicle was stolen etc.

What is the device called?

Administrator answers:

A N P R Automatic number plate recognition
Automatic number plate recognition is a mass surveillance method that uses optical character recognition on images to read the license plates on vehicles. They can use existing closed-circuit television or road-rule enforcement cameras, or ones specifically designed for the task. They are used by various police forces and as a method of electronic toll collection on pay-per-use roads and cataloging the movements of traffic or individuals.

ANPR can be used to store the images captured by the cameras as well as the text from the license plate, with some configurable to store a photograph of the driver. Systems commonly use infrared lighting to allow the camera to take the picture at any time of the day. ANPR technology tends to be region-specific, owing to plate variation from place to place

George asks…

Average living costs for a UK 16 year old girl on the following things?

Ok, I’m planning to move out at the age of 16 and go study at collage in Poole 3 day’s a week and also have a few job’s on the go to! I’m looking at roughly the living costs (Rent, food, Car or transport, Car Insurance, TV Licence and Internet Bills ect.) Website links would be brilliant and any advice would also help! Also If I could get any help financially by the government for paying the rent as i won’t be earning much, about £7,000 a year?

Many thank yous in advance :) I’m figuring the earlier i start budgeting, the better
* Live with Friends but pay full rent and work up to be able to buy a car later on in September when I turn 17

Administrator answers:

Social services would have a lot to say about a 16 year old wanting to live alone.

You would need to show that you’ve been kicked out by your family and there’s no way of you getting back with them. It’s a long procedure. You would then be taken into care of your local authority.

You go to your college/schools near where you live. You don’t get to go running round the country before you’re 18 and allowed to live alone, such as for University.

The most you can do is live with relatives who can support you, if you really want to go elsewhere in the UK for school/college, but other than that..

Cars can be a few hundred pounds to many thousands – you can’t just ask for a ‘car’ and expect a specific cost. A bit more common sense is necessary.
Insurance is very high, especially now there must be gender equality. A young driver outside of London can expect to pay at least £2000 p/a for insurance.

Again, asking for ‘rent’ is ridiculous. I pay a lot more rent than some other people because I ask for a lot more. It can be a few hundred a month to thousands per month.

TV licence is around £150.

Internet etc. Depends on what you want. Do your own research like every single other person who wants to live alone.

Regardless of the above, you’re still too young to move away from home. If you feel you cannot live at home any more, you should be speaking to social services about getting kicked out. Other than that… Act your age :)

Donald asks…

what is the nippiest car a 21 yr old in the uk could buy for a reasonable insurance price?

Please don’t say no car for young drivers, i know insurance is a robbery us, just looking for decent maybe 1.8 ltr car or large diesel even

Administrator answers:

Vauxhall calibra 2.0 8v buy one for 7-900 quid chip an exaust and filter good for 130 neddys at 19 mine was as quick as a gsi red top induction was lovely its a lighter engine and safe to if the cambelt were to snap youll be fine and the insurance was only 465 tpft or 750 fully comp plus the sunroof is quite cool

Susan asks…

How does a 17/18 year old find cheap car insurance?

i am looking for cheap car insurance but finding it difficult,anyone got any ideas or methods

Administrator answers:

Oh my god people. Stop answering questions that you know nothing about.

If the car is your car, and you are the main driver, it is ILLEGAL to declare yourself as a 2nd or 3rd driver. Its called fronting.

You are basically lying to the insurance company, by saying ‘yeh, i only drive once or twice a week, so im not a big risk’, but the fact is you drive everyday so are a big risk.

Dont believe me? Call up an insurance company, and ask them if you are allowed to do it.

What you can do, is visit www.admiral.co.uk, www.bell.co.uk or www.elephant.co.uk, put yourself as MAIN (policy holder) driver, then add your parents as 2nd and 3rd drivers.

But, please feel free to go about it the wrong way if you want.

Daniel asks…

what is the cheapest way to get car insurance for a 17 year old girl on a shared car?

I am learning to drive at the moment, and i know that insurance is high for 17 year old drivers. i would like to get some insurance before i pass my test, to practice.
i am going to share the car with my mum, and at the moment my dad is looking to buy a ford fiesta. how do i get insurance cheapest?

Administrator answers:

Would contributors from america please look at where the question was asked

As a learner, try www.collingwoodlearners.co.uk – you can insure for a week, a month, three or forur months, etc. As a provisional driver on your own or anyone else’s car.

Linda asks…

What is the pedal configuration in a manual car from Great Britan? Is it the same as North America?

I am going to England soon and will be renting a car. All of the rental cars are manual transmission. I have no problem with the manual part, what I would like to know, is the pedal configuration the same as here in Canada? Control gas and Brake with right foot, and control clutch with left. I ask this because you are driving on the right side of the car, changing gears with your left hand, just wondering if the pedals are backward too? Anyone who has ever driven in Great Britan please respond and let me know, it will take a load off my shoulders, and may help me prepare for driving in that country…if driving on the right side isn’t confusing enough. Thanks!

Administrator answers:

The pedal layout and gear positions are the same both sides of the Atlantic. Getting used to the layout of the car controls will be the first of the issues that you’ll have to cope with.

I used to work at a large airport outside London and have seen some of the daft things that US drivers do as soon as they collect their hire cars. They seem to think that everything is same as “at home”. Please accept the following in the spirit of helpfulness…
A few things to note, or you may have “difficulties” when driving in the UK:

Get the terminology right (English is a slightly different language from American).
In the UK only very specially adapted cars run on ‘gas’. Your fuel will be diesel or petrol (don’t mix them up, it would be an expensive mistake). What you call the “gas pedal” is the “Accellerator”.

There are commonly two grades of petrol, their names vary by company: normal/regular/super and Premium. Unless you have a souped-up sporty car then don’t waste your money on Premium.
Most car diesel is very much the same these days (low sulphur etc) regardless of what label the garage gives it. In some places you can buy bio-diesel if your car will take it and you’re feeling “eco-friendly”.

As a general rule at roundabouts (and many other junctions) – unless signs indicate otherwise – you should give way to traffic approaching from your right (unless you’re already on the major road).

Most garages are self-service and Petrol is sold in litres. It is very expensive (about 97pence/litre) so drive carefully or your fuel bills will be shockingly high. The further from London you are the cheaper it gets, unless you’re in a very rural area. Don’t buy it from a motorway service station because it’s even more expensive. The cheapest places to refuel are in supermarkets.

People are generally tolerant at road junctions etc. But if you make a mistake and proceed as if you were driving on the right then people will not accept “US tourist” as an excuse when you bend their car.

At all times keep in the left lane on motorways unless you are overtaking. You’ll see lots of idiots who think that they have a God given right to hog the centre lane. Don’t be one of them, they cause jams and bad tempers.

Keep to speed limits at all times (as usual, you should ignore the idiots who think the rules don’t apply to them). The UK is liberally covered with automatic cameras, which you won’t see untill it’s too late, and your car will be traced to you via your hire company. They’ll have a nice collection of fines for you to pay.

Trains always have right of way at level crossings. There are not many of these in England but there do seem to be plenty of people who “play chicken” and usually lose. Bumping a train could affect your collision damage insurance.

Familiarise yourself with UK driving rules, road signs and terminology. Many are not the same as in the US (especially at junctions). To keep yourself out of trouble you should read the Highway Code BEFORE you come. It’s not long and will save you a lot of grief. The link below should help you.

Enjoy your stay.

Donna asks…

If I have had a non-EU driving license for 5 years, but just got my UK driving licence,whatwill insurance be?

I got my non-EU driving licence in 2006, but I’ve just passed my UK driving test. Regarding the car insurance, will I be treated as an experienced driver (5 years) or inexperienced (1 month UK Licence)?

Thank you!

Administrator answers:

I would call a few insurance companys, do a web search to get their phone numbers , and explain that you have some experience, you can’t do that from a comparison site, and see what they can offer. The cost will depend on the car & where you live nobody here can tell you.

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