Best Car Insurance For Young Drivers

Questions and Answers

Your Questions About New Driver Car Insurance Uk

May 27, 2013

Chris asks…

Does anyone know any cheap car insurance companies for new drivers?

I am coming up to 19 (1 week) and have had my UK Full Manual license since December 2012, it’s now May 2013. I have tried everything to find cheap car insurance online and it’s virtually impossible! I don’t know if it’s my area that I live causing it to be so high, or my “lack” of experience with driving.

I have tried different addresses (i.e. family members) not in to be fraudulent but to see if it is the area, which is proving to be quite true. But I’ve tried insurance comparison websites and asked friends who they got their insurance from and still no good. My cheapest quote is around £2,000 which I just can’t afford.

I am going to university in September and will be going on various placements within the weeks I am there, so a car would really help get me to places easily.

I was wondering if anyone had any tips on lowering the cost of insurance, somehow? I’ve tried all these telematic sites but it’s still too high. Also, could anyone recommend any sites I could try for my insurance quotes?

N.B. I haven’t purchased a car yet (as there is no point if I can’t afford insurance) but is there a year which can help to lower the cost of car insurance? Such as, rather than having a 10 year old car (03 reg) having a 3-4 year old car? Any specific year?

Thanks very much.

Administrator answers:

My cheapest was Admiral multicar insurance and I’m 21.

Thomas asks…

WHAT WOULD HAPPEN IF I DRIVE WITHOUT CAR INSURANCE AS WELL AS NO FULL UK LICENCE?

HELLO,
ONE OF MY FRIEND WANT TO KNOW, WHAT WOULD HAPPEN, IF HE DRIVE WITHOUT CAR INSURANCE, AS WELL AS WITHOUT FULL UK LICENCE. HE HAS GOT PROVISIOAL LICENCE, JUST ASKING. HE NEVER DRIVE ANY CAR WITHOUT FULL LICENCE AS WELL AS FULL INSURANCE. JUST HE WANTS KNOW.

WHAT WOULD HAPPEN IF POLICE CATCH HIM ON THE ROAD,
I HEARD THAT POLICE WILL TAKE HIS CAR,SCRAP THE CAR, WHAT ELSE, WILL HE FINE OR PRISON?

HE JUST WANT TO KNOW.

Administrator answers:

Driving without a valid licence will get you a penalty of 3-6 points and a maximum fine of £1000. The court can also issue a driving ban which stops you from obtaining a driver’s licence for a set period in the future.
Invalid insurance

You may also receive further charges of driving without insurance as your insurance may be invalid if you do not have a valid driver’s licence. If you were caught without a license as a result of an accident then this is seriously bad news as you may have to pay damages to the 3rd party and the Police can impound your car and may even scrap it if you fail to produce proof of insurance with 14 days.

Since driving without a valid licence will invalidate any insurance that you may have, then you are technically not insured.

Betty asks…

What is the fuel efficiency of a 1964 karmann ghia?

I am interested in buying a 1964 karmann ghia for a daily commute car. What kind of gas mileage can I expect? The owner says its a 1.5, 4 cylinder.

Also, what kind of maintenance and upkeep should I expect?

It doesn’t have air conditioning and I live in TX. What type of system would you recommend to add?

What might be good questions to ask before buying?

Thanks for your time.

Administrator answers:

Gas mileage – 25-30 per us gallon. Perhaps less. Maintenance and upkeep very high as you are buying a 50 year old car for a daily driver.Just buy good breakdown insurance. Minor service every 3000 miles, major service every 6000 miles. Where you are rust may not be an issue but if it has lived near the coast it may be – these things had zero corrosion prevention when built. Engine life less than 50,000 miles – when was the last rebuild. Not easy to add aircon to these- you will have problems with a retrofit and it will bleed power from engine and these things were not hot originally…. As these cars are based on VW beetle chassis google info on these. Also look here – uk site but links to usa — http://www.karmann-ghias.co.uk/ On the plus side they are rare, but would not contemplate for a daily driver.

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