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Now you’ve passed your test
Passing your driving test is an unforgettable moment - a culmination of months of preparation, with quite possibly a few nervous moments along the way.
Once you`ve passed your test, there are many factors to consider, like the car you`re planning on driving and obtaining an insurance policy. In fact, these are two factors which have a direct impact on one another. Insurers calculate the price of your insurance policy on a number of factors. One of the biggest influences on the price of you policy is the car itself. Insurers take into account the value of the car, its performance and the availability of parts - usually based on Thatcham`s group system. However, some insurers prefer to use their own systems.
Your own driving history is also taken into account. As you have passed your test recently, you will not be able to display any evidence of safe, accident and penalty-free driving or qualify for any no-claims discount. Because of the high incidence of drivers under the age of 25 who are involved in road traffic accidents, insurers charge higher premiums for new drivers because of the increased likelihood of making a claim.
There are, however, a number of methods you can employ to keep your insurance as cheap as possible.
Choose your car carefully
It may be tempting to go for a car which has a bit of poke, but it is likely to hit you hard in the pocket. Opt for a car which is older and less powerful, as they are cheaper to insure than higher-performing models. Cars with diesel engines often cost less to insure than their petrol counterparts, too.
Making changes to your car - whether it is visual, under the bonnet or to the sound system - can have expensive implications for your car insurance for a number of reasons. These include the cost of replacing the parts, increased appeal to theft and the increased chance of being involved in an accident due to increased performance. Therefore, by keeping your vehicle to factory specification you will make sure the
cost of your policy is at a minimum.
Consider your policy
Consider carefully whether or not you need a comprehensive policy or a more basic third party or third party,
fire and theft option
Add an older driver to your policy
Having another more experienced driver with a safe track record to your policy could bring your insurance down. However, some insurers will base their price on the highest-risk driver, so check thoroughly
Agree to a higher voluntary excess
Opting to pay a higher contribution to a claim has the potential to bring the price of your policy down. But always make sure it`s set at a level you can easily afford should you have to make a claim.
Shop around online
It`s easy to find a better deal on young drivers car insurance thanks to comparison websites. They will allow you to see the prices and features of many different insurance quotes from a wide range of insurers, so you stand a much better chance of getting a cheaper policy. For further information on young drivers car insurance visit:
There are now a host of women’s car insurance providers in the UK that market exclusively to females, claiming that they offer cheaper quotes than conventional car insurance companies do coupled with female-friendly incentives. So are women really better off insuring with specialists, or should they shop around using a comparison site to compare car insurance quotes first?
Women’s car insurance
Several car insurance providers now offer women’s car insurance, with some brands such as Sheila’s Wheels, Ladybird and Diamond, marketing almost exclusively to females. Specialist women’s car insurance providers like to promote unique incentives to attract female business. Unique cover options range from mobile phone locators and ‘female friendly’ repairers to handbag cover and priority roadside assistance. However, to find a women’s car insurance policy that’s right for you it’s important to understand all of the technical terms in insurance documents to ensure you’re not caught out.
Why are there separate car insurance providers for women?
Simply put, women have a better driving record than men. According to Home Office statistics released in 2004, men are responsible for nine times as many motoring offences as women. Indeed men are guilty of a staggering 975 of dangerous driving offences and 94% of accidents causing death or bodily harm. Admittedly, statistics are skewed in favour of women in that men drive more miles on average and more men drive overall – meaning there are more opportunities to be involved in an accident. Nevertheless, the statistics are overwhelming – men tend to drive more powerful cars and take more risks behind the wheel. Consequently they are a bigger risk to insurers and as such a number of female only car insurance providers have emerged which state they can offer savings to women due to the lower risk they present and the fewer number of claims they have to pay out on.
How to choose the right car insurer
Do not fall into the trap of assuming that specialist providers are always the cheapest. Even though their incentives are appealing, they do not necessarily offer the most value for money. The key is to shop around using a comparison website to compare car insurance quotes and policies from multiple companies. Think about which policy options are important to you. It could be that one of the specialist providers is the cheapest – but if not, you may be willing to pay more to secure the female-focused incentives they offer.
How to make a car insurance claim
If you are involved in an accident you should inform your insurer straight away – most have a dedicated 24hr claims helpline. Ask what evidence it requires to support your claim as it may be necessary to take photographs of the damage or provide witness contact details. You should always hold on to any receipts or correspondence relating to the claim. Remember that cheap women’s car insurance may not always be adequate – it’s best to find a policy that provides the right level of cover for your needs, even if it does cost a little more
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