Best Car Insurance For Young Drivers

Questions and Answers

Your Questions About New Driver Car Insurance Uk

June 22, 2013

Sharon asks…

I’m 18, Just passed Uk driving test, wondering how much roughly insurance would be on a Corsa?

Corsa 1.2 sxi 16v 2005 or 2004 black
parked in driveway
and also 2nd driver, sister 21 with 1 years NCB

The comparison sites are abit tedious, just thought this would be a quicker way of working out a rough estimate.

I am aware quotes vary with different variables such as area etc.

Thank You

Administrator answers:

If the car is yours, i’d be bumping your sister off of the policy, unless she is paying the extra for her. Two young inexperienced drivers is not gonna be cheap.

Im gonna say roughly £1200-£1400 for the pair of you.

Also, people on here rave about comparison sites. I think they are useless. Get yourself some phone numbers and call up.

Chris asks…

Supervising a provisional driver, do I need to be insured on that car?

Hi,

Basically, my brother has a provisional license and is insured to drive our dad’s car.

I am 21 and have had my full UK license for over 3 years (I have my own car + insurance).

Question is…Do I need to be insured on (dad’s) car to be able to supervise my brother driving?

Thanks

Administrator answers:

No you do not need to be insured to drive the vehicle, only the person driving needs insurance.

Robert asks…

I have a NSW Australian P2 Drivers license, and i am going to the us can i rent and drive a car there?

So i am planning a trip to America for a week or so, and i was wondering with my Australian Provisional P2 Drivers license, does it allow me to rent and drive a car over there?

Administrator answers:

Probably not. You may be able to simply drive on a limited license by obeying the rules (ex. Can drive with a passenger in the car who has a full license), but rental agencies are unlikely to let you hire a car.

Note that the minimum age to rent a car in the USA is 21, and it is 25 in many states. Also, many car rental agencies require foreign visitors to have an International Driving Permit even though their national license is in English (as an Australian license certainly is).

If you still want to try to rent a car then go to a real travel agency (where you live) to make certain there won’t be problems.

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Citizens of about 35 countries can travel to the USA for up to 90 days at a time as a tourist or for some business purposes by registering for ESTA > before < their trip begins. The cost is US$14, which is similar to the fee for the Australian ETA program.

Https://esta.cbp.dhs.gov/

http://travel.state.gov/visa/temp/without/without_1990.html

http://www.usembassy.org.uk/visaservices/?p=129

Registering is accomplished online, you don't need the details of your trip, and the confirmation is valid for multiple trips to the USA over two (2) years so don't wait until the last minute.

Print the confirmation – or at least record the number – and keep the information with your passport. Having a return or onward ticket leaving North America is a requirement, so have a copy of your airline itinerary at passport control.

Check with your health insurance to find out if it covers you in the USA. If yes then take proof of coverage with you. If no or not sure then get trip medical insurance, which is cheap and sold by airlines & travel agents. The USA has wonderful medical care but it isn't free or even cheap. Please do not skimp on this as an otherwise-silly accident could turn into a crisis if you don't have medical insurance.

If someday you plan a long visit then DON'T schedule your departure day for the 90th day (any part of a day in the USA counts as a whole day, so if you arrive at 23:59h on the 1st and leave at 00:01h on the 10th it is 10 days in the USA). Schedule your departure not later than the 88th day as there are no (zero) provisions in the Visa Waiver Program for someone to voluntarily extend their stay. If you miss your flight due to something Immigration might consider avoidable (ex. Flat tire on the way to the airport) they may ban you from using the VWP in the future.

Charles asks…

How to find out the UK car insurer?

A car hit into my father very recently while he was crossing the zebra-crossing. With all the confusion and shock my father forgot to get hold of the drivers insurance company name. The telephone number the driver gave was fake, but the car registration was legit. Its been reported to the police but they won’t state the insurer and it will take a long time while before they get round it dealing with the report themselves.

How would I go about obtaining the insurers name so that I can inform them and make a clam?

Administrator answers:

Contrary to what many people have said you are actually in a fairly good position in terms of finding out who the insurer is, however you must go through your own insurance company as due to data protection you cannot search for this info directly. However all vehicle registrations and insurance details are stored on the Motor Insurance Database which your insurance company has access to, so just report the accident and they should be able to do the rest. However it will be a completely different thing when it comes to proving liability for the accident

best of luck

Maria asks…

Can someone with a full UK driving licence buy and drive with provisional insurance?

I have recently passed my driving test, however I can not afford to buy full car insurance.

Administrator answers:

Not declaring the licence as full when taking out insurance or when it happens even part way through a policy is fraud. It is a failure to declare a material fact.

Nearly all insurers will insist on seeing your licence when you take out insurance even if it is just a copy. ALL insurance companies check licences when there is a claim – they love a way to avoid paying up.

Next year the counterpart part of the licence will be phased out as insurers will be given access to the DVLA database to check the licence details themselves based on you just giving them your driver number – gonna catch a lot of fraudsters out that is

Richard asks…

How much would it coast to in Insure Honda civic EG in Uk?

I just got my drivers licence and im 17 years old and i want to buy Honda eg the year is 1992 so its quite old and the engine size is 1.4-1.5 is it possible to see the rough number that it would coast to insure it? I mean are cars this old and this engine size are going to be very expensive for my age? Please help!! If not at age 17 what age can i drive this car? Thank you

Administrator answers:

There are many factors which are used by the insurer to calculate the risk and so the premium they charge for car insurance – these are mainly;
1 Age of the policyholder (who must be the Main driver, and registered keeper) and that of any additional drivers.
2. The cars age, mileage, value, insurance group, security and the companies own claims history for that vehicle
3. The occupation of the policyholder and any named drivers
4. The claims history of any drivers
5. The licence details of drivers (endorsements, length of time held)
6. Where the car is normally kept overnight (is it the policyholders address? On road is more expensive than on a drive which is more expensive than in a locked garage.
7. What use will the car be insured for, social and domestic is the minimum but if commuting and use for the policyholders business or their employers business is added the price increases. If used to commute where is the car to be parked when there – on road or in a car park.
8. Does the car have any modifications from the standard factory fresh condition like alloy wheels or performance enhancements – some insurers will refuse to cover modified cars, some will increase the price and some will cover them but only for return to standard.
You need to tell the full truth about everything asked and inform them of any changes to any of the details disclosed as the policy goes on – failing to do that can render it null and void.

Some younger drivers consider putting the car and insurance in a parents name with the parent as a fraudulent main driver and them as an occasional named driver to cut the premiums. This common scam is called “Fronting” and is an illegal act which can get parent and son/daughter into a lot of long lasting expensive troubles.

Most insurers offer a monthly payment scheme and most need about 15% up front to start the cover. The scheme is usually in the form of a loan and so interest is charged – this can be as much as 25% APR. This is usually at rate which is higher than most credit cards even charge so look at other ways to borrow the money to spread the cost if possible as it will be cheaper.

With a few minor differences these are the questions you will be asked before being given a quote. Not having supplied these details on Yahoo Answers, and who would, it is impossible to give a guess of a price for you to within even £1000 for a younger newly qualified driver.

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