Best Car Insurance For Young Drivers

Questions and Answers

Your Questions About New Driver Car Insurance Uk

June 24, 2013

Joseph asks…

Why is the UK driving test regime so unfair to Motorcyclists?

I want my sons to be able to ride a motorcycle without L plates. Bikes are a Low CO2 low Impact transport system. They can only take one passenger and their low mass means there is a limit on how much damage they can do. I now find that it could take ages and cost a fortune to progress through the test system, whereas someone choosing to put their offspring in a car can teach them on the road themselves and after taking one test, let them loose in (for example) an SUV capable of 100mph and able to carry up to 4 of their friends! Recent tragedies show how easy it is for newly qualified car drivers to crash and kill all of their friends. Is there any reason other than greed or persecution???
Hmmm why would the Government want to wipe out biking? It extends the capacity of the road infrastructure, uses less fuel, is greener etc etc Surely you would have to be pretty dumb to ignore those benefits?
To the guy who said bikes are more dangerous than cars. Yes, to the rider, but you can’t kill 4 of your mates with a motorcycle. Get two cars full of passengers coming together and your potential death toll is 8 or 10. Compare that with a motorcycle!! Also, bike insurance is enormous!! Surely anyone enacting new legislation would tighten up the car test one first given the numbers of cars and potential victims (including pedestrians, other car users, cyclists and motorcyclists)?!

Administrator answers:

Teasing Alert! Government is greedy and Labor wants to remain in power– so make people buy expensive cars that generate more jobs now instead of mostly imported motorcycles. Tax on cars is higher, direct benefit to the government. Cars use more gasoline and that means more tax money. Insurance cost higher for cycles true– but that is money for insurance company, not the government. Labor want more auto jobs and mechanics working on them in union to vote Labor– cyclist fix many of their problems , do tune ups themselves so get used to doing things instead of depending on others- like government officials- and tend to vote Tory after learning to do things themselves. ‘Surely you would have to be ‘pretty dumb’ to ignore those benefits?’ The idea of ‘pretty smart’ as a description of Government/politician is rarely used, does that surprise you? – dumb, greedy, power hungry are the terms often used about them. For a example of 2 wheel friendly country–look at Taiwan.

Thomas asks…

What do you do if you get into a car accident without your name under the insurance?

Say I drive a vehicle that has insurance but not under my name and then i get into a collision. Will the insurance still pay for the damage? how does it work?

Also what are the steps you have to take when you get into a car accident?

Administrator answers:

In the UK it is a criminal offence to drive without motor insurance. It is possible for someone else to have insurance and you named on the policy as a driver. It is also possible to have insurance on your own vehicle that will cover you third party on other vehicles.

If you are in an accident, you must exchange name and address of the drivers and the owners of the vehicles. If there is any injury, you need to exchange insurance details too.

If you are uninsured and are the driver of a motor vehicle involved in an accident you can face criminal proceedings and the owner of any property or anyone injured as a result can sue you for the cost of damages and compensation for injuries. If you inadvertently kill someone, you would look at compensation claims into millions. It’s easier to get insurance.

James asks…

How much will it cost to insure a 2010 Mustang Shelby Super Snake?

How much will it cost a 23 year old to insure a 2010 Mustang Shelby Super Snake in the uk

Administrator answers:

No point anyone on here even attempting to guess.

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 and sex 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.

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.

John asks…

What is the best UK advanced driving course to do to reduce car insurance cost?

Administrator answers:

Pass Plus is the first obvious choice, it cost me £120 to do, there’s no test and it saved me £150 on insurance on my first year driving.

There’s an organisation called ROSPA http://www.roada.org.uk/index.htm might be worth checking out if you’re interested in advanced driver training

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