Car Insurance for young drivers

<p>Car insurance companies like to know that you’re reliable, and a credit check is a simple way to do this. However, finding the best insurance prices doesn’t require you to take a credit hit.</p> <p>When you apply for an insurance quote either directly or through a comparison site like “Young Car Driver”, insurance providers will carry out a “soft check.” <strong>Don’t worry; this is simply to check your details and won’t affect your credit score.</strong></p> <p>Providers will <strong>only do a “hard search” (credit check)</strong> if you want to pay for your car insurance monthly.</p>

<p>It really depends!</p> <p>Comprehensive insurance is undoubtedly the best available – it offers the most protection. However, as there are more types of incidents to pay up on, your insurer can sometimes charge a high premium</p> <p>Why is it sometimes cheaper than a lesser cover? Insurers take into account the psychology of their customers – if someone is looking to buy a less comprehensive cover, they could potentially be less responsible and more likely to crash in the first place.</p> <p>In general, it’s hard to predict. Make sure you <strong>always </strong>compare the price of comprehensive insurance, even if you’re shopping around for the cheapest one possible. As often, you can find it for the same price, or even cheaper than a cover plan!</p>

<p>Sadly yes, the cost of your insurance will be affected by your occupation. It is just one of <em>many</em> factors that the insurance company will use to work out how much to charge you.</p> <p>However, you mustn’t try to change your job title to reduce the price of your quote. You could get caught out here, and even end up paying more!</p> <p>Also, if your occupation means a lot of driving, you can expect a higher premium – due to more time on the road!</p>

<p>There are many free car valuation tools online that you can use to get an estimate of your car’s value for your insurance quote.</p> <p>You can also look at used-car listings to see the current price of a similar model and condition to yours.</p> <p>The current value of the car depends on a range of factors, including its make, age, mileage, service history, modifications, and general condition.</p> <p>Thankfully, you don’t have to be <strong>100% accurate</strong> when applying for insurance. Give an approximate value based on your research.</p>

<p>Your insurance quote will ask for how many miles you drive a year.</p> <p>Never overestimate, you’ll end up paying more for your insurance. In the same token, don’t underestimate, as you could end up invalidating your policy.</p> <p>You can estimate your mileage by working out how many miles you drive every day or week, then adding them up to work out your annual use.</p> <p><strong>Alternatively, check your MOT certificate or car service record, which will show how many miles you’ve driven. You can use this as a basis to calculate your future mileage!</strong></p>

<p>In the vast majority of plans, no. Some fully comprehensive car insurance policies allow the main driver on that policy to drive someone else’s car (naturally, look into your policy documents to be 100% sure)!</p> <p> </p> <p>Unfortunately, very few insurance policies include young or inexperienced drivers to drive a car belonging to someone else.</p>

<p>Your DVLA license tells the insurer many things about you.</p> <p>You have to provide this so that the insurance company can have accurate data on your driving history.</p> <p>If you don’t, you could have your claim being invalidated in the event of an accident, costing you a fortune and rendering the insurance pointless!</p> <p>DVLA will tell your insurance company:</p> <ul> <li>You’re legally entitled to drive.</li> <li>Any penalty points or convictions you have.</li> <li>Past disqualifications.</li> <li>The type of license and how long you’ve held it for</li> </ul>

<p>Yes! Your new insurer will ask you how much no-claims bonus you’re entitled to, and will then do their own checks.</p> <p>Most of the time, insurers will do this on your behalf. However, insurers aren’t exact equals, so an insurance company can work from their own no-claims bonus schemes and work to their own rules.</p> <p>Occasionally, you may need to supply evidence from your previous insurer to prove that you have a no-claims bonus. Get in touch with your old insurer if you need to acquire any written records.</p> <p>Be aware that many insurers won’t recognise no-claims bonuses that you’ve gained as a <strong>named driver on someone’ else’s policy (like a parent)</strong>. Also, if you’ve been off the road for a few years, your no-claims bonus likely won’t be valid anymore.</p>

<p>Unfortunately, yes. Car insurance can increase year on year whether you claim or not, so if you do claim, you can guarantee your insurance price will go up.</p>

<p>When you get car insurance quotes with YCD, you’ll notice that some insurers use ‘real-time’ pricing, and others will hold their price between 10 and 30 days.</p> <p>We can’t guarantee you the same price if you come back later – your quote could go up. <strong>You are more likely to achieve a lower quote the earlier you start looking.</strong></p>

<p>Cancel your car insurance policy <strong>within the 14 days cooling-off period</strong>, and you’ll be refunded, less any time you’ve already had cover. Also, most insurers reserve the right to charge an admin fee – which can be quite high, so make sure you’re happy with that before you sign on the dotted line.</p> <p>If you cancel <strong>after the cooling-off period </strong>and pay by monthly instalments, then <strong>you may not be entitled to a refund.</strong> Some providers may charge an extra premium to include the time you’ve had cover as well as a cancellation fee. Take a look at your policy for details.</p>

<p>There shouldn’t be any fees to your policy <strong>unless</strong> you cancel or require replacement documents.</p> <p>However, most insurers do charge an adjustment fee for something like changing an address or adding a driver to the policy. At the same time, other providers may allow you to make simple changes online without a charge.</p>

<p>Right here at Young Car Driver! Compare a wide range of the UK’s most trusted car insurance providers to find competitive car insurance deals.</p> <p>Compare car insurance for young drivers today and see if you can start saving.</p>