When you have mastered your reverse park and confident with you turn in your road and have successfully passed your driving test, you will now find yourself with the daunting task of finding Insurance.

 Simon Lamble, product director of Confused.com says “Young drivers face a bit of a catch-22 – they’ll struggle to find an insurer that will cover them, and then, when they do, it is very expensive,”. You may often find the insurance you are offered is more than the car you want to drive. This is because when a young drier passes their test insures automatically class them as a high-risk driver, with no thought of how well you did on your test or how many lessons you have had.

 Some Insures will not even insure male drivers under 21 and female drives under 19 due to the risk of frequent, expensive claims. Meanwhile the insurers that do insure these sorts of drivers nearly always quote thousands of pounds. 

 What can you do as a new driver to get the best possible price?

 Some UK insurance companies have started a pay as you go scheme, this might be a good option if can’t afford full premiums or people who don’t use their vehicles that often.

 Pass Plus is one step you could take to reduce the cost of insurance. “Pass Plus offers you a way to be a safer driver, save money on your car insurance and get the confidence that comes from being truly familiar with all road conditions.”

 The biggest factor on saving money on insurance is what car you drive. Insurance companies put all cars into groups to determine the price of the Insurance. To check what group your car is in Click Here. If you are looking to purchase a car at the moment then you need something that is small and has little power such as a Vauxhall Corsa.

 If you are female you already have a huge advantage over males due to statistics showing that young female drivers a less likely to crash than males. If you are going to share a car with your partner then it would save money to put the insurance in the females name and have the male as a named driver. You could also consider adding a parent as a named driver because this often brings your premium down, but could put no claims bonus at risk.

 You can also choose how much excess you are willing to pay if you do have an accident, but make sure you know how much the standard excess is. Only volunteer excess if you know you can afford to pay it at any time. On average voluntary excess brings down premium by 10% of the excess, e.g. £500 voluntary excess would save you £50 on your premium. This shows it could cost much more by having the extra excess and not save you much.

 Finally do not fib to make your premium lower as you Insurance will not be valid, therefore there will no point paying for the insurance.

 If you would like any more information on Driving please visit our Website

Accidents happen and who is at fault for the accident should be decided by the police and the insurance company.  While it’s hard not to say ‘I’m sorry’ when things of this nature happen, never admit to liability.  Let the professionals sort that out.  So what exactly causes a motor accident?  Some people will blame their vehicle.  Some will blame the weather and the traffic environment, and, as always, some will blame the other driver.  Occasionally, all three of those are to blame.

We can all blame our vehicles for our driving problems but in reality human error is the reason traffic accidents happen most of the time.  While things can go wrong with our vehicles when we are driving that could cause an accident, sometimes we will overcompensate and make matters worse.  Obviously we don’t mean to, but sometimes a person’s driving experience may be such that they don’t know how to handle, say, a blown out tire.  No matter who is to blame for an accident, remember that you and the other driver – if another is involved – will ultimately be the one that takes the blame for the accident, not your vehicle.

Personal attitude is a big factor when driving and you should never drive aggressively.  Always drive defensively with a proactive attitude when it comes to potential road hazards.  Never overestimate you driving abilities because we are all fallible at some point and certainly none of us are perfect drivers.  Never think that just because you are in your car that you are not vulnerable to injury.  Accidents can and do happen, and some of them are of course fatal.

If you are young you should always shop around for your motor insurance cover, sensible no matter what age you are. Whether you’re a student, in your first job, or starting a young family it is pretty much guaranteed that if you are in your twenties and you will find most car insurers will hike up your premium because of your age. It doesn’t matter whether you have a no claims bonus, or if you’ve been in a few accidents, the majority of insurers will make anyone in their twenties pay over the odds for their insurance. 

There are many insurers that will offer cover to the younger driver at competitive rates, but you must be prepared to accept that the premium will be higher than that paid by your parents. It clearly pays to look around for the best deal, because the insurance premium will possible be around 50% of your annual motoring costs, this compares with of around just 6% for an older an experienced driver. One way to reduce your motor insurance premium is to accept a relatively high excess in the event of an accident, but do not forget this must be paid irrespective of the circumstances of the accident. It pays to shop around either by telephone or internet, so go for it!