As a learner driver, you’ll pay more for your insurance than someone who has many years of claim free motoring. But there are ways to help keep the costs down. We’ve listed the 15 things you should know about learner driver insurance which will help you get the best price for your cover:
1) Firstly, shop around
As a first step, you should always get as many insurance quotes as you can. Like everything, it pays to shop around if you’re looking for the best price deal. Different insurance companies calculate risk in different ways, which means that you could see a big difference between prices for two very similar insurance deals.
2) Next, get expert help
You can use a specialist broker, like Park insurance, as an easy way to find the best price insurance to suit your needs. As well as taking the headache out of shopping around for the best price, using a broker can unlock special prices that you won’t find on the high street. We’re independent, so we’re not tied to a single insurance company. And we have preferred broker status with some of the UK’s biggest insurance companies, which means we can negotiate hard on price on your behalf. Get your free quote now or call 0117 9556835.
3) Become a named driver
You can save money if you are a named driver on the policy of someone older, more experienced and claim free. This is only suitable if you are not the main driver of the car. If it is discovered that you actually drive the car more than you say you do, your insurance will be invalidated and any claim refused. It’s called fronting and it’s illegal.
4) Add another driver to your policy
If you’re taking out learner driver insurance on your own car as the main driver, you can sometimes reduce insurance costs just by adding someone who is older and more experienced to the policy. This could be a parent or relation and should be someone who would be likely to drive your car. Beware though, in some cases adding someone to the policy could increase the premium, especially if they do not have a claim-free record.
5) Consider short-term insurance options
You could consider opting for short-term learner driver insurance if you are not regularly practising your driving. This cover can be arranged for between 1-28 days and represents good value for money if you will only be driving the car for a limited time.
6) Choose your car carefully
Opt for a car and model in the lowest insurance groups to get the best prices. You can check the insurance group of your preferred cars here.
7) Don’t modify your car
It maybe tempting to pimp up your ride, but modifications to your vehicle can drive up costs even if they are only cosmetic. Any modifications that alter the performance of your car also need to be declared.
8) Do add extra security
Alarms and immobilisers are one modification you can make that will actually help to reduce your premiums. They make it harder for someone to steal your car, and your insurance company will usually reward you for upping security in this way.
9) Then drive safely
Any claims you make on your insurance will see your insurance premium shoot up in the future. So drive carefully and safely.
10) Don’t speed or use your phone behind the wheel
All driving penalties are likely to push up your insurance price, so always follow the law. Also, remember that points are transferred to your full licence if you pass your test while they are still valid. And you’ll lose your licence if you rack up six or more penalty points within two years of passing your test.
11) Opt to pay a higher excess
The excess is the amount you agree to pay automatically in the case of a claim. For this reason, by increasing this amount you can usually reduce your insurance premium. But don’t be tempted to go too high or you may find yourself unable to pay if something unforeseen does happen.
12) Make sure your car is safe
The annual MOT is essential, but it’s also worth also regularly checking things like lights and tyres to ensure they are in good working order too. This can reduce the risk of accidents, so you can stay claim free.
13) Next, don’t assume that opting for third party cover will be cheapest
In some cases, comprehensive cover will actually be cheaper than third party cover because it’s considered a less risky choice.
14) Consider a limited mileage
If you’re not covering many miles each year, tell your broker. If you opt for a limited mileage policy (where you agree that you won’t exceed a certain number of miles in the year) it could reduce the cost of your premium.
15) Finally, carefully consider your given job title
You must always tell the truth, or your insurance will be invalidated. But in some cases, your exact job title may not be one of the options given by the insurance company. If there is more than one job that could cover what you do, check out to see which one gives you the cheaper premium.
For more advice and a budget-friendly quote on learner driver insurance, call our specialist learner driver insurance team on 0117 955 6835 or get in touch.
Options for learner driver insurance:
Insured on your own car
- pros: you’ll start to build up your no claims bonus
- cons: it can cost more than if you are a named driver on someone else’s policy
Insured as a named driver on another vehicle (as long as you are not the main driver)
- pros: this is often a cheaper option than being insured on your own car
- cons: you won’t start to build up any no claims discount
Short-term learning driver insurance
- pros: this can be the cheapest option for learner driver insurance and is good if you’re practising your driving in someone else’s car relatively infrequently
- cons: you can’t choose this option for your own car. Cars need to be insured unless they are declared as off the road (SORN)
- cons: it can work out more expensive than an annual policy if you plan to practise regularly over a longer period of time