Car Insurance For Young Drivers In The United Kingdom
As a young driver in the United Kingdom, you may become quite frustrated as you begin the task of insuring your car, because it can become a challenge to find insurance that is affordable. Insurance for young drivers is often quite expensive, if you don't research and find price comparison sites on the Internet that will usually offer better quotations than specialist auto insurance sites. Car policies can vary greatly and depend on high excess and other add ons like a courtesy car in case of an accident, legal advice, your driving history and more. Your age, education, work history, where your car is kept, mileage, security, etc., all play an important role in calculating a premium. When you go to a price comparison site, you'll find options in insurance cover that may include some or all of the above and rates that are more affordable than you will find at specialized sites.
Why Can Young Drivers Insurance Be So Expensive?
There are many statistics that prove drivers under 25 have more accidents than any other age group on the road. Statistics also show that there are more than 38,000 people killed or hurt in the United Kingdom in car crashes in which a driver has less than two years of driving experience. Unfortunately, these figures are on the rise, and the UK government is trying to find solutions to relieve the problem. Ways to combat the problem that are under consideration are to raise the driving age from seventeen to eighteen and implementing a training session for new drivers. Zero alcohol drink and drive limits for first year young drivers is also in the plan, so that good driving habits are formed early on.
Types of Car Insurance Cover For Young Drivers
Third Party car insurance in the UK will cover damage or loss to other peoples' property, but it does not cover you for personal looses that could happen. If the car you are driving is older or not expensive, Third Party cover, that should include Theft and Fire is not too expensive and worth checking out. Young driver insurance can also be purchased as Fully Comprehensive. This is different from Third Party cover in that it covers damages that might happen to your car, windscreen cover, personal accident for passengers and you, as well as audio and stereo equipment and personal effects.
No Deposit Car Insurance
If you are having problems affording decent car insurance you may want to consider paying for it monthly. No-deposit schemes are available; check here for no deposit car insurance.
Some Key Ways To Save On Car Insurance If You Are Young
If you are under the age of 25 and preparing you purchase car insurance, it helps to know a bit about the car insurance industry in the UK. A traditional broker works on a commission, which varies amongst brokers. Brokers work on commission levels that can be quite different depending on how many policies the broker places with the same insurance company. Therefore, the more policies he places with a specific company, the less commission he can take from the person looking for insurance. One good reason to shop at price comparison car insurance websites, where you will find many quotes from many companies and use the knowledge you gain to your advantage.
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