How to get low cost car insurance for learner drivers
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Gaining a driving license is an important step in life. Sadly learning to drive can be an expensive business.
A provisional licence will set you back ?50 for a start. Depending on where you live, an hour's driving tuition will cost between ?20 and ?30 per hour and you'll most likely need a few dozen of these. Becoming tested will cost you about ?100 - if you pass first time.
Estimates vary but it's quite feasible that the typical learner driver will end up spending well in excess of ?1,000 in pursuit of their driving licence. That's a lot of cash when you are 17.
Using a family members' car is an good way to get some vital practice hours under your belt so it's not unexpected that more and more learner drivers take up the option of learner driver insurance. Learner driver insurance allows the learner to have their own insurance policy, freeing them up to get the valuable experience they need without risking the owners policy, no claims bonus, excess and premiums.
It can still be an pricey business though, so following our guide to cheaper learner driver insurance can help you to get out on the road without breaking the bank.
* If you're fortunate enough to have the option and a car of your own, make sure you choose a car in a low insurance group. It's obvious and basic, but it's also the single most effective thing you can do to get the premium down. The BMWs, Audis and Porsches will have to wait I am afraid, for now small is beautiful.
* If you are lucky enough to get a car of your own, forgo the temptation to modify it. Non-standard parts like alloys and spoilers can actually make the car less stable to drive and are not looked on favourably by insurers.
* It pays to pick the highest excess you think you could sensibly afford. Increasing the excess on your policy reduces the exposure of your insurer, you simply pay more of any damage incurred and the insurer pays less. It's another simple, basic step that can substantially reduce the price of your policy so think carefully about your excess.
* Lastly - consult an expert. Insuring a learner driver is more complicated than standard car insurance, the risks are greater and the rating factors more complicated. You need a competitive policy that's uniquely tailored to your different needs and circumstances. It pays to take your business to a specialist broker who can guide you through the intricacies of learner driver insurance.
Learning to drive does not have to cost the earth if you take a few sensible precautions and speak to the right people. Cheap young driver insurance is a great way to gain the practice, confidence and skills you need to pass your test first time so follow these basic steps and best of luck!
Article Source: Articlelogy.com
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