Learner Car Insurance

Car Insurance For Learner Drivers

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Learners Car Insurance Tips

Help With Learner Driver Car Insurance

Adult drivers may not have any problems obtaining licences or car insurance policies, but what about very young car owners who are only learning how to drive? What they can do is obtain a provisional driving license. In the United Kingdom, the government institution issuing provisional driving licence for beginner drivers is the Driver Vehicle and Licensing Agency.

Car drivers may apply for a provisional driving license a couple of months prior to their seventeenth birthday. Those who are driving mopeds under 50cc may apply for a provisional driving license once they reach 16 years old, while motorcycles and other four-wheeled vehicles can only be driven by those who are 17 and above.



The Basics Of Applying For Learner Car Insurance

Now, according to the Association of British Insurers, there is a 12% increase in the number of 17 to 19 year old drivers suffering from fatal accidents on the road. As such, even if you already obtained your provisional driving license, you might have a hard time getting a learner car insurance plan.

The good news is that there are car insurance companies which offer plans for drivers who are still holding their provisional driving license. You might need to pay a high price for the car insurance premiums since you are considered as a high risk driver by insurance companies, but there are a few things that you can do to lower the monthly payments, which we will learn more about in the following section.

First, what other important facts do you need to learn about provisional car insurance? Take a look at the following list:

Lowering Your Learner Car Insurance Premiums

Next, what are the ways that you can lower your learner car insurance premiums? Here are a few tips to keep in mind:

Consider getting multi car insurance plans.
Being the young driver that you are, learner car insurance premiums is something that you may not be able to afford, so the expenses will still be passed on to your parents. If this is the case, why not take advantage of something like a multi-car insurance plan? For this, two to five cars can be insured under one policy as long as they are all registered under the same address. You will be given bulk discounts, so if you are under your parent's car insurance plan, there’s no need for you to worry about high costs any more.

Go comparison shopping!
Just like regular car insurance, you need to go comparison shopping when looking for learner car insurance plans so that you can determine which one will give you the best value for your money without compromising on the comprehensiveness of the package.

Drive a second hand car or a vehicle with a smaller engine.
Even if your parents gifted you with a pricey sports car, it will cost a fortune to insure once you obtain a learner car insurance plan for it. While you’re learning to drive, it’s better to stick with a second-hand vehicle or a new car with a small engine so that you can lower your premium costs.

Lower your mileage while improving your driving skills at the same time.
Based on the number of hours that you are recommended to practice, limit your mileage so that you will not be charged an arm and a leg by car insurance companies. You may also be listed as a named driver on your parent’s car insurance policy and use their vehicle to practice and further improve your driving skills.

Steer clear of driving offences.
These will make your car insurance premiums even higher, while also making it more difficult for you to get a full license. It may sound a bit obvious but not speeding or getting involved in accidents while you are still holding a provisional driving license is the best way to lower your car insurance costs. Once you get into an accident as a learner driver, it might be more difficult for you to obtain a full license and the premiums that will be charged to you by a car insurance company will definitely be higher.

All skilled drivers started out as learner drivers, too, so this is just a stage that every car owner needs to go through. As your skills behind the wheel improve, you can pretty much get the same privileges enjoyed by expert drivers when obtaining car insurance plans.










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