learner insurance

Learner Driver Insurance In Own Car

For all learner drivers embarking on driving for the first time, the goal is to get behind the wheel without those L plates and to swap the green driving licence for the pink one. So what is the best way to speed up learning to drive? Getting as much experience behind the wheel as possible. This is where learner driver insurance in own car can be really beneficial. So just what is learner driver insurance in own car and is it worth it?

Maximising your driving experience

Learning to drive is sadly not cheap. Lessons are expensive. Instructors not only have to factor in their time and expertise into their prices but also fuel, insurance, the vehicle and its maintenance too. However, all driving instructors will say, the more driving experience you have, the more confident you will become and the quicker you can pass your test. So, how do you get this experience when lessons are so expensive?

The best way to maximise your driving experience is to get out on the roads for additional practice with a responsible adult.

In fact, the Driving Standards Agency recommends at least 45 hours of driving lessons with an additional 22 hours of practice. That said, every learner is different. Some learner drivers will need more practice and more lessons, and some will need less. The important thing is not to rush to your test but gain the experience the wheel, so you not only pass your test but so you become a confident and safe driver.

How to maximise your driving experience as a learner driver

There are several ways you can increase your experience as a learner driver;

Get more lessons

The first is to book more lessons with your driving instructor. However, as we said earlier, this can be expensive. What’s more, if your instructor is popular, then it may be difficult to squeeze in more lessons around both of your schedules.

Practise in a friend or family member’s car

The second is to ask your parents or a responsible adult if they will let you practice in their vehicle with them accompanying you in the passenger seat. If you want to practice driving with family and friends, then there are some requirements to consider;

The person you practise with must be;

  • Over 21 years old
  • Must currently hold a full driving license and must have had their full driving license for more than three years
  • They must also be fully qualified to drive in the vehicle you want to learn in. For example, if you are driving in a manual vehicle, they must have a license for manual vehicles.

It is vital to have the correct supervision when you are practising driving. If you are caught without having the right supervision, then you can personally receive a fine of up to £1,000, and you may earn up to eight penalty points on your licence too. You can also be banned from driving.

It is important to note that the supervisor does not have to own the vehicle you practise in. For example, your mum could supervise your driving practice in your dad’s car. However, there must be the right insurance in place before you head out on the road.

The problem with driving in your supervisor’s car is that their vehicle may not be appropriate for you to drive. For example, if your friends or family have very expensive or rare vehicles, they may not feel comfortable with a learner behind the wheel. Furthermore, it may be very expensive for them to add you onto their insurance for their specific car.

Other issues could be that the vehicle just isn’t very suitable for learner drivers. For example, if there is a big difference between your driving instructor’s car and your supervisor’s vehicle, then you may find that you spend most of your practice time struggling to adapt to a new vehicle and not gaining the experience on the roads that you need.

Practise in your own car

The third option to gain as much experience as possible in a car you feel comfortable in is to have your own car and conduct your driving practise in this. While buying your own vehicle is quite an investment, it enables you to get used to and comfortable in the vehicle before you pass your test. As soon as you do pass your test, you’ll feel confident behind the wheel of a car you already know well.

Remember, if you choose to practise in your own car, you’ll still need a supervisor with you to accompany you out on the roads.

If you choose to purchase your own car while your learning to drive and want to practise in it, then you’ll need learner driver insurance in your own car.

What is learner driver insurance in your own car?

As a learner driver, you are still out on the roads, and you could still have accidents with other motorists or suffer issues with the car. When you have professional driving lessons, your driving instructor has insurance in place to cover these risks. However, when you are practising with friends or family, then you need additional insurance in place. This is a legal obligation.

There are typically two options for insuring yourself when you are a learner driver. The first is to be added to someone else’s insurance. Depending on the vehicle they have, this can be very expensive, and, in some cases, insurers may refuse to add you as a learner driver.

The other option is to have learner driver insurance in your own car. This is insurance you can have when you have a provisional license. With this insurance, you can rack up time behind the wheel to gain experience driving so that you can pass your test quickly and gain confidence on the road before you qualify.

What’s more, with learner driver insurance in your own car, you have the set of wheels you want from the very beginning, This can feel like a much more comfortable transition between learner to a newly qualified driver when you are using the same car.

What you need to know about learner driver insurance in your own car

Insurance is a legal requirement

If you have a roadworthy vehicle then it is a legal requirement to have insurance in place. It is a requirement whether you are a learner driver or a qualified driver. However, you need to make sure you have the right insurance in place to cover your needs. Standard car insurance is not enough for learner drivers.

There are lots of different insurance options available

As a learner driver, there are many different types of insurance you can opt for. You may choose an annual policy or perhaps a short-term policy if your driving test is imminent.

We think one of the best choices for learner driver insurance in your own car is hybrid insurance. Hybrid insurance covers you while you’re a learner, and when you pass your test too. This means you don’t have to pay twice for two different insurance policies.  Instead of purchase learner driver insurance and newly qualified driver insurance, you receive both in an affordable hybrid package. Simple!

Choose your car wisely

Yes, you want to own a car to be proud of. However, there is no point owning a souped-up or expensive car if you can’t afford the insurance to drive it. If you’re looking for learner driver insurance in your own car, then the cheapest insurance options will be ones in the Group One category of vehicles that are cheapest to insure. These could be vehicles such as the Volkswagen Polo or Up, Hyundai i10, Toyota Yaris or Vauxhall Corsa.

Avoid cars with big engines or modifications. They’ll hike your insurance prices up.

Consider your payment system

For learner driver insurance in your own car, the cheapest deal for insurance will be paying annually. However, that isn’t always easy for young drivers and learner drivers with all of the other costs to factor in too. However, at MyFirstUK, we offer a range of finance schemes with super-affordable deposits so you can have the right insurance in place for your own car as a learner driver.

If you want to pay monthly with an affordable payment structure, get in touch with MyFirstUK to receive your quote and bespoke payment plan.

Are you looking for learner driver insurance in your own car?

If you already have your own set of wheels and looking for insurance so you can get out on the road, then speak to our friendly experts at MyFirstUK. We’re specialists in hunting for the best deals for learner driver insurance so talk to us on the phone or through live chat so we can find you the best deal.

learner insurance

6 Reasons Why You Need Temporary Learner Insurance

Learning to drive is often a stressful time, with hours of lessons leading up to a nerve-wracking test. Temporary learner insurance is an easy way of getting in some extra practice before your driving test, without splashing out on more expensive driving lessons. Whether you have got your own car, or a family member or friend is willing to let you use their vehicle, getting temporary learner insurance before you pass your test is often worthwhile.

What Is Temporary Learner Insurance?

When you have a provisional driving licence and are practising for your driving test, you can get temporary learner insurance in order to help you gain valuable on the road experience. It is possible to get yourself added onto a family member or friends existing policy; however, it can be very expensive because of your lack of driving experience.

As well as the cost, adding yourself to someone else’s policy would put their No Claims Bonus at risk if you did have an accident. Temporary Learner Insurance can be used instead to give yourself your own separate policy that won’t have any impact on their existing insurance. Temporary Learner Insurance can usually be taken out for anywhere between seven days to 12 months and will end either at the end of the term or when you pass your test.

Why You Need Temporary Learner Insurance?

Temporary Learner Insurance has a wealth of benefits that make it an excellent choice for many driving students. Here are our top six reasons why you need Temporary Learner Insurance:

1.       Save Money

Learning to drive is an expensive task, with the cost of driving lessons always on the rise. While you might think paying out for insurance as a learner might just add to that cost, it can actually save you a lot on driving lessons. When you have the freedom to drive your own car, outside of your driving instructors time, you will gain a lot more valuable experience in a shorter amount of time.

As long as you have someone willing to come with you while you practice, you can spend hours out on the road getting real-life driving experience without paying for pricey lessons.

As well as saving money on driving lessons, temporary learner insurance is also often a cheaper option than adding yourself to an existing drivers’ policy. Temporary learner insurance is designed for learners specifically, so the premiums are usually lower than through other insurance policies.

2.      Protect Your Vehicle

When you choose to add yourself onto an existing insurance policy, it is common for the insurance company to only offer third party cover for learners. Temporary learner insurance can be fully comprehensive, so you can relax knowing that your vehicle is completely covered should an accident occur.

3.      Freedom To Practice

Learning to drive is time-consuming, and most learners are limited to the time that their driving instructor can give them, and the number of lessons they can afford. By choosing temporary learner insurance, you can give yourself the freedom to practice whenever suits you.

 As long as you have a qualified driver to come with you, you can drive as much as you please to get yourself test ready. Not only will your driving skills improve with practice, but your confidence on the road will increase, which is fundamental for passing your driving test.

4.      Protecting No Claims Bonus

It is never possible to guarantee an accident-free drive, but by choosing temporary learner insurance over being a named driver, you can ensure your loved ones’ no claims bonus isn’t affected. If you are driving a friends or family members car while you are learning, you could jeopardise their no claims bonus if you are added to their insurance policy.

Temporary learner insurance is an entirely standalone policy in your own name, so even if an accident should happen, their policy won’t be affected.

5.      Flexible Policies

As a learner, the chances are you won’t know exactly how long you will need your car insurance for. Temporary learner insurance policies are often flexible, and you can choose to have them for a fixed amount of time, such as six months, while you complete your lessons and pass your test. This means you only have to pay for the cover you really need while you learn.

Some learner policies also give you the option to transfer your policy into a new driver policy after you pass. Just ask the MyFirstUK team for more information.

6.      Specialist Insurance Cover

Not all insurance companies will accept learner drivers onto their policies, so finding an insurance policy as a learner can be a struggle. When you choose a specialist temporary learner insurance provider, you are guaranteed to be accepted and know you will be fully covered while you learn.

If you want to get more practice in before your driving test, get in touch with MyFirstUK for your free insurance quote.

young driver insurance

Under 21 Car Insurance UK: Your Guide To Getting The Best Deals

Young drivers are often burdened with having to pay very high insurance premiums. When you are new to the world of driving, navigating your way around the various car insurance options available can be confusing. For most drivers, once you hit 21, your insurance premiums become significantly cheaper than before, but under 21 car insurance UK is often eye-wateringly high.

The reason for the higher cost is that statistics have shown those under 21 are more likely to be involved in an accident on the road. This means you are seen as a higher risk by insurance companies, and premiums will be high to protect against this risk. While under 21 car insurance UK is not going to be cheap, there are a few things you can do to make sure you are getting the very best deal.

Understand The Types Of Under 21 Car Insurance UK

Before you begin shopping around for the best car insurance deal, you will need to understand the various types on offer:

Third-Party: Third-party car insurance is the most basic level of cover you can have. It will pay out for any damage that is caused to other people’s property and compensation for injuries to others. This type of under 21 car insurance UK doesn’t provide any cover for your own vehicle.

Third-Party, Fire And Theft: This is the next level up from third party cover and will cover your vehicle if it is stolen or damaged by fire. It does not protect your car if it is damaged in an accident that was your fault.

Fully Comprehensive: Comprehensive car insurance is the highest cover level and will protect against all damage to your own vehicle even if an accident is your fault.

Even with these three main types of under 21 car insurance UK, each individual policy can be slightly different. Before choosing an insurance policy, check the terms and conditions to check exactly what is included. Comprehensive cover is generally seen as the most expensive, while many assume that third party is the cheapest. This is not always the case. If you’re looking for the best deals, look for quotes with all options to ensure you’re getting value for money.

How To Get The Best Deals For Under 21 Car Insurance UK

Add 2nd or 3rd Drivers

In some cases, adding another driver onto your policy can increase the cost, but it can also cause the price to go down depending on who you choose. If you have a family member or friend that is a responsible driver with many years no claims and a clean licence, then adding them to your policy could save you a lot in premiums.

It might seem counter-intuitive for more drivers to reduce the costs, but because insurance is all about risk, adding a low-risk driver can result in significant savings. 

Choose Your Car With Insurance In Mind

Whether it is your first car or not, the type of vehicle you drive will impact your under 21 car insurance UK. Every vehicle on the market will be seen differently by car insurance providers, with some being considered lower risk than others.

Typically, the faster the car, the more expensive the insurance will be, so bear this in mind when you head out car shopping. The same goes for car modifications, such as body kits and alloy wheels. These kinds of alterations are known to put insurance premiums up considerably.

Increase Your Excess

Your excess is the amount you will have to pay upfront if you had to make an insurance claim. By choosing a higher excess instead of the compulsory excess that the provider asks for, you can reduce the cost of your premiums. Always bear in mind that you will need to pay this excess should you need to make a claim, so be realistic about what you can afford.

Young drivers might struggle to find £500 or more in the event of an accident, and statistics show that young drivers are most likely to claim in their first year of driving, so you may need to pay out this excess early on.

Use A Black Box

A black box policy, or a telematics policy, can save young drivers hundreds on under 21 car insurance UK. They work by having a small device fitted into your vehicle, which tracks how you drive. Your insurance company can then see how risky you are out on the road, and price your insurance policy accordingly.

This is an excellent option for under 21s trying to keep the cost of their insurance down, as your own driving determines the cost instead of statistics about your age group. Every black box policy is slightly different and will have different conditions. Some may limit the number of miles you can drive in a year, or how long you can drive without taking rest breaks.

If you’re looking to find the best deal for your under 21 car insurance, then why not talk to the car insurance specialists at MyFirstUK? We can help you secure the best deal thanks to our partnerships with some of the leading young driver insurers.

totting up ban

Car Insurance With Totting Up Bans – TT99

Nearly all motoring offences will carry some number of penalty points or totting up bans on your licence, regardless of how else they are dealt with. Some motoring offences will also come with a fine to pay, or even time in prison, depending on the severity of the offence. Penalty points are imposed on your driving licence, and the number you could receive depends on the driving offence committed.

If you get more than 12 penalty points on your licence within any three-year period, then you could receive a totting up driving ban. This type of driving ban could last for at least six months and is issued by the Magistrates’ court.

What are totting up bans?

Penalty points are used within the totting up system as a way to deal with drivers that commit driving offences of any kind. Totting up bans are used in addition to penalty fines and the original driving ban. As a result, the consequences will always depend on the type and severity of the driving offence. A driver can be given points on their licence for a vast range of offences, including:

  • Speeding
  • Driving without due care and attention
  • Failing to stop at an accident
  • Failing to obey a signal from the police
  • Breach of a traffic signal.

With the totting up system in place, courts have the power to impose penalty points onto anyone’s driving licence. The number of penalty points is determined by the nature of the driving offence that has been committed. Motorists with penalty points on their licence can then be tracked and identified if they continue to repeat driving offences.

A totting up ban can be given to drivers who commit multiple offences on the road and receive more than 12 penalty points.

How does totting up work?

The number of penalty points that you could be issued with will depend on the driving offence committed. The minimum number of penalty points you could receive for a minor driving offence is two, and for more serious offences you could be given anywhere between three and six penalty points.

If you tot up 12 or more penalty points from various different driving offences over a three year period, then you could be given a totting up ban. The period of disqualification will be decided by how many previous bans you have had:

  • If you have never previously had a driving ban, then you could get a six-month disqualification.
  • If you have been banned once before within the last three years, then you could get a one-year disqualification.
  • If you have been banned twice or more in the last three years, then you could get a two-year disqualification.

After this ban is completed, you will have your driving licence returned, and all points will have been removed. If you are a new driver that has passed your test within in the last two years, then you can only tot up six points on your licence. If you reach six points you will automatically have your driving licence revoked and be required to retake your driving test.

Can I get 12 points and avoid a totting up ban?

In some circumstances, it is possible to avoid a driving ban even after totting up 12 points or more. This is usually only available to those with special circumstances and where you can justify these in a submission of exceptional hardship. If you are able to prove to a court that a totting up ban will cause you or others exceptional hardship, then they may reconsider a driving ban. Exceptional hardship could include situations like:

  • Driving for a family member that suffers from serious health problems.
  • Working in a senior management role where disqualification could cause severe disruption to employees and the business.
  • Working in a job that protects the public, including the fire brigade, police or ambulance service.

It is also possible to plead exceptional hardship if the loss of employment is a guaranteed result of a driving ban. If you are in a situation where you may lose your job and be unable to support yourself or your family, then a ban may be avoided.

What is a TT99 endorsement?

Every driving conviction that you can receive has its own endorsement code that is imposed on your licence. The TT99 conviction code is given to anyone who has been disqualified from driving for totting up points. This endorsement will last on your driving licence for four years after the date of your last offence and is used by the authorities and insurance companies to determine your driving history.

It is a legal requirement to declare a TT99 endorsement when purchasing car insurance and failing to declare this could result in your insurance being invalidated.

Can I get car insurance with a TT99 endorsement?

If you have previously had a totting up ban in the last four years, and have a TT99 endorsement on your driving licence, it can make getting car insurance a problematic task. While the TT99 endorsement itself will only stay on your licence for four years, it is a requirement to disclose the conviction to insurance companies for five years from the date of your last offence.

Some car insurance providers may refuse to insure you entirely with a TT99 endorsement, while others will insure you, but you should expect the premiums to be high.

At MyFirstUK, we work hard to find our clients the right insurers who will accept TT99 endorsements if they are required. If you think you may struggle to acquire car insurance because of totting up offences, then MyFirstUK is here to help you get cost-effective car insurance based on your individual requirements.

Why is car insurance more expensive with a TT99 endorsement?

The cost of car insurance is determined by the risk you will pose to the insurance company. If you are a higher risk driver, then your premiums will be higher to reflect this. Once you have been convicted with a totting up ban, then you will be considered to be a very high-risk driver to most insurance companies. This is because you will have committed multiple driving offences within the last three years, that lead to disqualification.

Some car insurance providers will specialise in insuring drivers with TT99 endorsements, and at MyFirstUK, we work with these insurers to make sure our clients can find insurance at the best price possible. While premiums will almost always be higher than they were before a conviction, they can be kept as low as possible through a specialist insurer such as MyFirstUK. Receive a free best quote today by calling 0333 305 5116.

Drivers With 3-9 Points: How To Get Insurance

Many drivers often have moments on the road where they make mistakes and getting a driving penalty for any reason is something that all drivers dread. A driving offence can not only land you with a hefty fine, but you could also end up with penalty points on your licence.

When you get these penalty points, they can affect various areas of your life, including your car insurance premiums. Drivers with 3-9 points can expect their car insurance to rise, and the points could also affect your credit rating, your job and other insurance premiums such as life insurance.

It is common sense that driving offences should always be avoided and that it is vital to drive with the utmost care at all times. However, driving offences do happen every day, and there are plenty of drivers with 3-9 points out there, struggling to get a fair price for their insurance. Our experts have shared their advice and answered common questions on how drivers with 3-9 points can get coverage without paying over the odds.

What Are Penalty Points And How Do They Work?

In the UK, the penalty points system came into play in 1988 and was designed to help reduce the number of drivers committing repeat offences. It helps the courts to punish drivers who have previously committed a driving offence, and in turn, keeps the roads safer. For most road users, it deters reckless driving and encourages drivers to follow the Highway Code.

The police issue penalty points, and the number of points you receive will depend on the severity of your driving offence. You can get up to 12 points on your licence within a three year period, and if you exceed this, you will be disqualified from driving. Drivers with 3-9 points will have committed one or more driving offence but are still allowed on the roads. These penalty points can be a result of various driving offences, such as speeding, using a mobile phone while driving, or driving over the legal alcohol limit.

What Are Penalty Codes And Why Do They Matter?

Drivers with 3-9 points will have been given a penalty code depending on the driving offences committed. Many individuals with penalty points are not aware of the various penalty codes and how they can each impact insurance premiums differently. Every single driving offence has its own code and the most popular include:

  • SP50: Exceeding the speed limit on a motorway
  • SP30: Exceeding the speed limit on a public road
  • DR10: Driving or attempting to drive when over the legal alcohol limit
  • CU80: Using a mobile phone or handheld device while driving
  • TS10: Failing to comply with traffic light signals
  • IN10: Operating a vehicle without insurance.

It is vital that drivers with 3-9 points know what driving convictions they have and the subsequent codes that go with them. These different codes will each affect your insurance differen tly, and every insurance provider will have their own way of assessing these codes. DR10 convictions for driving over the legal alcohol limit are often considered more serious by insurers than other driving offences. Drivers with 3-9 points for drink driving will usually find it more difficult to get insurance than drivers with 3-9 points for other offences.

How Can Drivers With 3-9 Points Get Insurance?

Any driver with points on their licence will see their insurance premiums increase as a result of their driving offence. Some insurance providers may even refuse to insure drivers with 3-9 points for more serious offences, which is why knowing your conviction code is so important.

If you are already in an insurance contract, your provider may decide to immediately increase your premiums when you receive penalty points, while others may wait until your contract is due for renewal. Different insurance providers will have different policies on insuring drivers with 3-9 points, and some providers will specialise in insuring those with penalty points.

If you commit a speeding driving offence, then instead of penalty points, you may be offered the opportunity to attend a speed awareness course. This is a popular choice as it avoids further points on your licence. However, it is important to bear in mind that some insurance companies may still increase your premiums for attending the course. Even if you pass a speed awareness course, you must still let your insurance company know that you have broken the Road Traffic Act 1988.

Do you have to tell your insurer?

Some drivers with 3-9 points may think they can keep their insurance premiums low by not informing their insurance company of their penalty points. It is a requirement by law to notify your car insurance company immediately after receiving penalty points on your licence.

The Road Traffic Act 1988 states that it is a criminal offence to withhold information from any prospective or current car insurance providers. Choosing not to tell your insurance company about penalty points is not only illegal but can also result in your insurance being invalidated. If this is the case, you would be breaking the law by driving without insurance, which could result in a further driving offence and penalty points.

Can Drivers With 3-9 Points Still Get A Good Deal On Insurance?

Having penalty points on your licence will have an impact on your insurance premiums, but that doesn’t always mean you can’t still find a good deal. At MyFirstUK, we specialise in insuring convicted drivers and keeping their insurance premiums reasonable. We can offer you cheaper car insurance, even if you have been declined insurance by other providers.

Our friendly team can save you time by searching around to find you the very best deal, and our specialist advisors have expert knowledge on convicted driver insurance. Our convicted driver insurance takes into account your specific circumstances and your conviction to find you a more affordable insurance policy. We use various other factors to help keep your premiums down, such as dash cams, increased excesses and driver rehabilitation courses.

cheap car insurance

How To Get The Most Affordable Car Insurance For 17-Year-Olds

When you are learning to drive and pass your test, car insurance is a legal requirement. There is no getting around the fact that you will need car insurance. Furthermore, as a teenager, insurers will often make you pay a premium for the privilege too. But, fear not! There are things that you can do to get the most affordable car insurance for 17-year-olds. Here are just a few of our tips;

Choosing the right car to insure

Dream big, but start small

If you’ve just passed your test, you may be looking for your own set of wheels for the very first time. Buying your own car is something many of us dream of from a very young age. While that 4×4 or supercar may still be your dream car, they are likely the most expensive car to insure.

Instead, keep them on your wish list until you have racked up several years on your no claims bonus and opt for a more affordable, economical and safer car as your first ride. Choosing the right vehicle can save you hundreds of pounds in insurance. As a result, you can keep that money to go in your dream car fund for future years.

Be different

Did you know the most popular car for teenagers is a Vauxhall Corsa? However, the average cost to insure a Corsa for those aged between 17 and 25 is £1,305. However, but opting for a Peugeot 107 (also around £3,000 cheaper to buy new, as well) you can save over £400 on your car insurance. On average, the cost to insure a Peugeot 107 for someone aged between 17 and 25 is £900.

fiat 500 insurance
Image Cred: Driving.co.uk

So, while your friends may all have the same car, by standing out from the crowd, you’ll have the cash for that epic weekend or amazing road trip. If a Peugeot 107 isn’t your thing, other cars that are cheaper to insure than a Vauxhall Corsa include;

  • Fiat 500 (average cost to insure for under-25s: £912)
  • Kia Picanto (average cost to insure for under-25s: £955)
  • Toyota Aygo (average cost to insure for under-25s: £970)
  • Citroen C1 (average cost to insure for under-25s: £928)

Research also shows that despite there being a wealth of cars that cost under £1,000 to insure for drivers under 25, most teen drivers opt for more expensive cars which include;

  • Ford Fiesta (average cost to insure for under-25s: £1,266)
  • Renault Clio (average cost to insure for under-25s: £1,248)
  • Vauxhall Astra (average cost to insure for under-25s: £1,402)
  • Volkswagen Golf (average cost to insure for under-25s: £1,702)

So, if you want affordable car insurance for 17-year-olds, steer away from the generic pack and pick something slightly less popular, that will give you more bang for your buck.

Black box insurance for 17-year olds

It seems so unfair to many 17-year olds that just because some people in the same age group drive like petrolheads, doesn’t mean everyone does. Sadly, 17-year-olds have often suffered high car insurance premiums because they are in the age group where they are statistically more likely to have an accident.

However, if you’re a careful and sensible driver, there is a way that you can lower your car insurance without the statistics of your age group. Black box insurance, also known as telematics insurance, is a fantastic way to reduce your car insurance premiums as a 17-year-old.

Instead of insurers working out your statistical likelihood of you claiming on your insurance, they provide a black box to install in your car. The box then relays all kinds of information back to the insurer via satellite. Therefore, if you drive smoothly, within speed limits and are sensible with your driving, the premiums are calculated to reflect this and show that you are a lower risk.

Is it for everyone?

Black box insurance sounds great, and it can be. However, there are some circumstances when it may not be beneficial. For a start, if you are still learning to drive, you may not be a smooth and consistent driver yet. Your black box may penalise you when you practice emergency braking or if there is any clunky driving. If you are still not totally confident behind the wheel, its best to hold off on telematics insurance until driving becomes second nature.

Another issue is that telematics can be more expensive for those who do a particularly high mileage. More time on the roads can make you statistically more likely to be involved in an accident. So, if you drive for a living, telematics insurance may not be for you.

Finally, if you are a shift worker or do lots of nighttime driving, then telematics insurance may not be for you. Night time driving is statistically riskier, with more accidents happening at night. If you rarely drive at night, telematics insurance is excellent. However, if you regularly drive late at night, then you may find your premiums rise to reflect this higher risk.

Affordable car insurance for 17-year-olds with telematics insurance

Telematics insurance can not only save you money but encourage sensible driving which means the roads become safer for every user. By having telematics insurance, you are judged on your driving habits, not your age range and therefore as you show what a careful and good driver you are, your premiums will drop. Continue with this good driving behaviour and insurers are much more likely to give you a discount when you are due for renewal.

So, if you are a safe, low mileage teen driver, then black box insurance can save you a considerable sum that can definitely be put to better use. Just remember to check if the coverage has any restrictions, such as curfews and night driving which could cause you to invalidate your insurance.

So with the right car and the right insurance, you can save yourself a healthy sum – now, who’s ready for that holiday?

Remember, if you want any helping in finding the cheapest car insurance for 17-year-olds, talk to the specialists at MyFirstUK on live chat or phone 0333 305 5116.

convicted car insurance

How To Get Convicted Driver Insurance

In the UK, any unspent criminal conviction, even if it isn’t driving related, has to be declared when applying for car insurance.  Depending on what this conviction is, you may find it more difficult to be offered insurance because – statistically speaking – convicted drivers are seen as being at a higher risk of making a claim.

That doesn’t mean it’s impossible, because there are companies (such as MyFirstUK) that specialise in offering convicted driver insuranceHowever, to increase the chances of an insurance company approving your application, there are at least five things you can do.

Five Ways To Get Convicted Driver Insurance

1.      Tell the Truth

When you apply for insurance, one of the first things an insurer will ask is if you any points on your license or any criminal convictions.  It’s essential you tell the truth.  For every driving-related conviction, the DVLA has an assigned code. This is used by insurance companies to assess your risk.  Know which codes apply to your conviction and confirm these with your insurance company.

Beyond any convictions, it’s important to be truthful for every question an insurer asks you.  A recent survey found that, alongside criminal convictions, drivers most often lied about:

While bending the truth might seem like a good idea to ensure you get approved for convicted driver insurance or end up with lower premiums, if you are found to have lied, you could invalidate your policy, meaning you’re in an accident you’re left without a car or having to pay third parties out of your pocket.

2.      Pick the Right Car

If you’re looking for convicted driver insurance,you want to convince your insurer that you aren’t going to be driving dangerously, which means picking a car that sends that message.  Go for one with a lower horse-power engine, for example, or an excellent safety record.  Stay away from vehicles with a reputation for being driven dangerously.

3.      Take a Rehabilitation Course

For those who have a conviction for driving while under the influence of drugs or alcohol, one of the best ways to make sure you are approved for convicted driver insurance is to take a driver rehabilitation course.  These are available across the country through approved training providers.  Not only do they reduce the length of any driving ban, but they also show insurance companies you are serious about getting back on the road and driving safely. 

4.      Agree to Use Telematics

Telematics is an excellent way to convince insurance companies you are safe on the road and a lower risk that industry statistics might suggest.  They work by adding a ‘black box’ to your car which records driving data including the days and times you drive, how many miles you do, and where you go. This data is shared with your insurance company, who use it to calculate your premium.  As well as being used for convicted driver insurance, telematics is popular with young drivers.  If you don’t want to use telematics but want to increase your chance of getting approved for convicted driver insurance, you could also consider using a dashcam or speed limiter.

5.      Consider ways to cut costs

If you’re approved for convicted driver insurance,your insurer will want to be confident you can pay the premiums.  Unfortunately, premiums when it comes to convicted driver insurancecan be quite high.  To make these costs more manageable, you should (wherever possible):

  • Pick the most affordable level of car insurance cover. This will be either third party, third party, fire and theft, or comprehensive. While it might seem counter-intuitive, because the assumption is that most drivers will want third party as it is generally the cheapest, the rates for comprehensive insurance are sometimes lower.
  • Increase your voluntary excess.  Most insurers will set a mandatory excess but also offer the opportunity for you to set a voluntary excess.  The higher this is, the lower your premium will be.  Remember, though, that this is the amount you’ll need to pay if you have an accident it needs to be affordable for you.
  • Lower your annual mileage.  The more miles you drive, the higher a premium you’ll pay.  Look at ways you can take public transport, or travel on foot, to reduce the number of miles you drive each year.  Don’t set an unrealistic figure, though – this goes back to the idea of being truthful because if you do set too low a number, your insurer could deny any claim you make.
  • Avoid the added extras that come with car insurance.  These can add unnecessary costs.  So, unless you think they are an absolute must, say no to legal cover, windscreen cover or a courtesy car.
  • When you aren’t driving, keep your car in a secure garage or on your drive.  This way, it’s less likely to get damaged by passing motorists, and you are less likely to have to make a claim.
  • Don’t make monthly payments on your car insurance premium as these incur interest.  Instead, make a lump sum payment.  If you have to pay in instalments, see if you can take out a 0% purchase credit card, which means you won’t need to pay interest and can keep costs down.

Finally, remember that insurance companies realise people make mistakes and not everyone who is applying for convicted driver insurance is going to re-offend.  However, what they want is as much proof as you can offer that you are serious about staying safe on the road and reducing the risk of having to make a claim.  The more you can do to convince them you want to rebuild your driving record, the more likely they are to approve your application for an insurance policy.

If you’re looking for convicted driver insurance at the best possible price, then get in touch with MyFirstUK who will search for the best possible deal for your needs. 

student

Is Student Car Insurance Really Worth It?

While being a student can be the best years of your life, it is an expensive time. There is not only your student fees to consider, but accommodation and living expenses to factor in too. As a result, a student budget can be tight and adding student car insurance on top of that can be difficult. So, do you need student care insurance and how can you save money so you can make the most of student life?

Do you need student car insurance?

If you want to drive, it is a legal requirement to have car insurance in place. However, for students, car insurance premiums are typically more expensive than for other motorists. This is because most student drivers are under the age of 25. Statistically, student drivers are usually new drivers, with less experience and are more likely to have an accident compared to older drivers.

Furthermore, car insurance premiums drop considerably when you earn no claims discounts. However, student drivers are unlikely to have built up a significant number of years without claims.

However, despite the higher cost, having car insurance from when you pass your test helps you to build up your no claims bonus. This means that, as long as you don’t claim on your insurance, you can quickly see significant discounts in your premiums. However, if you stop insuring your car and stop driving during your student years, it may take longer to build up your no claims bonus.

So, in some cases, it is important to accept that car insurance is necessary if you want to drive while you are a student. As a result, it is essential to budget for the cost of student car insurance too. But, first, it may help to decide whether or not you should have a car while you are a student.

student car insurance

Should you take your car to university?

There are many advantages to taking your car to university with you, which include;

  • Freedom – It will allow you to explore where you live.
  • Shopping – You and your friends will love the benefit of not having to lug back all your groceries after a weekly shop.
  • Going home – Having a car means you can go back to your friends and family more easily.
  • Moving – Student life often means moving furniture from home to accommodation to your new flat. Having your car makes it much easier to move. Can you imagine shifting that chest of drawers on public transport?
  • Big buys – Need a new desk from Ikea? A car will help you get your place feeling like home more easily.
  • Part-time work – Having a car may make it easier for you to find a part-time job as you can widen your search area.
  • Day trips – Great for bonding with flatmates and ticking off fun things off your bucket list.

On the other hand, there are some downsides to having your car at university with you;

  • Becoming a taxi service – it’s all very well being a great friend, but you want people to like you, not the fact you can ferry them around.
  • Parking – Most universities are in cities, which can make it difficult to find parking. Some halls of residence will have parking, but it may cost a lot to purchase a parking permit which is something to consider.
  • Additional cost – As well as budgeting for nights out and food, petrol and parking can quickly add up which eat away at your budget.
  • Higher costs – As you change your address to your student accommodation, insurers may want to put your premiums up. This is because student accommodation is usually in areas of higher crime which can increase the risk that something might happen to your car. Do not lie about the primary address for your car; if your insurer finds out, it is classed as fraud.

As there are pros and cons to both, choosing whether to take your car to university will depend on your own circumstances. Factors to consider are where you live in relation to university, town and the places you want to visit.

How to lower the cost of student car insurance

If you decide that taking your car to university is the right choice for you, then you’ll need student car insurance. Don’t be too daunted by the cost though. Here are some of the best ways to reduce the cost of your student car insurance premiums.

  1. Pick your car carefully

Go for small, safe and reliable cars rather than expensive sports and GTi versions. Avoid modified cars too which can raise your premiums.

  • Consider the excess you can afford

The more of the excess you can cover yourself, the cheaper your premiums can be. So, consider the voluntary excess that you can afford to pay in the event of an accident. It also helps to consider the cost of your car too. If your car is only worth £500, it may not be worth spending £500 through voluntary excess to get it repaired.

  • Add an experienced driver

If your parents use your car when you are back home, consider adding them to your insurance policy which can help to lower your premiums. Do not put someone who isn’t the main driver of your car as the primary driver though. Known as ‘fronting’; this practice is illegal.

  • Consider your mileage carefully

If you’re moving to a city to study, then your mileage may drop considerably as you may not need to drive so often if everything is in walking distance. Before choosing a policy, carefully calculate the mileage you are likely to do. With lower mileage, insurers may see you as less of a risk.

  • Think about black box or dash cam insurance

MyFirstUK offers lots of policies for student drivers, some of which include money-saving measures such as telematics (black box) insurance and dash cam insurance. If you’d like to get the cheapest student car insurance possible, talk to our experts about what type of insurance would best suit you and your needs.

Convicted driver insurance

Convicted Driver Insurance: How to Lower Your Premiums

When you’re applying for car insurance, any type of unspent criminal conviction needs to be declared, even if it’s not driving related.  This allows insurance companies to assess the risk attached to issuing you with a policy.  If they do decide to insure you, it can affect your premium.

Not surprisingly, it’s driving convictions that have the most significant impact on the price of car insurance.  Reports suggest that drivers caught drunk driving, for example, could end up paying an extra 115% on their car insurance; this increases to 131% for those driving without insurance.

Thankfully, there are at least ten ways those looking for convicted driver insurance can lower their premiums.

Ten Ways To Lower The Cost Of Convicted Driver Insurance

1.      Deciding What to Drive

Insurance companies classify cars by groups based on the make, model, engine size, registration date, value and how much it might cost to repair.  There are 50 groups; the lower (closer to 1) the group your car sits in, the lower your insurance premiums will be. 

This means it’s a good idea to avoid fast cars with high-powered engines if you’re looking for an affordable premium on your convicted driver insurance.  If you already own your vehicle, you may not have much choice here.  However, if you’re planning on buying a car, or can change the one you drive, you could save yourself money going for a Micraversus a Mercedes.

2.      Level of Cover

Once you’ve decided on the car, you’ll need to determine the level of cover:

  • Third party only: the minimum cover level required to drive in the UK, it covers the cost of any damage to third parties if you have an accident.
  • Third party, fire and theft: covers any third party in an accident plus damage to your vehicle if it’s stolen or fire damaged.
  • Comprehensive: covers third parties and you in the event of an accident where you’re at fault.

Generally, third party is the cheapest insurance.  However, for convicted driver insurance, this isn’t always the case.  The assumption is drivers who have convictions will take out this insurance, so prices are raised, meaning other insurance levels end up being less than third party. 

3.      Increase your Excess

If you do have an accident, before your insurance company pays out, you’ll need to pay an excess.  Some insurance companies set a mandatory minimum for this; others will let you set your own, which is known as voluntary excess.  By increasing the amount you’re willing to pay as a voluntary excess, you can reduce the premium for your convicted driver insurance

Remember, only commit to a voluntary excess you can afford, otherwise you could find yourself without a car.

4.      Drive Less

As well as increasing your voluntary excess, it would help if you also reduced the number of miles you drive.  The lower your annual mileage, the lower your premium will be.  Don’t risk giving your insurance company an unrealistic figure. If you do lie about your mileage and make a claim, having a higher annual mileage could invalidate your claim.

5.      Stay Away from Added Extras

When you get a quote for car insurance, you’ll be asked whether you want to add on extras including a courtesy car, legal cover, or windscreen cover.  These are all nice to have, but they’ll increase the premium on your convicted driver insuranceand so are probably best avoided.

6.      Take a Rehabilitation Course

One of the best ways to reduce your premiums is to have taken a rehabilitation course.  These are available for drivers convicted of driving while under the influence of drugs or alcohol.  If you haven’t taken a course already, it’s worth speaking to your insurance company to see if they offer a discount if you do. 

7.      Take Advantage of Technology

One of the risks insurance companies take when issuing convicted driver insuranceis just how careful drivers are on the road.  Using technology such as speed limiters, dash cams or telematics (black boxes that monitor and record your driving) are great ways to prove that you are a responsible driver and that your risk is lower than industry statistics might suggest.

They may not be able to reduce your premium in the short term, but in the longer term, the data can be used to help find you a lower rate.

8.      Keep Your Car Secure

Where you live can have an impact on how much you pay in car insurance.  So does where you keep your car.  If it’s kept on the driveway in front of your house, for example, or in a locked garage, your premium is likely to be less than if you park it on the road, where it is more likely to be hit.  And, while this can help you get convicted driver insurancepremiums down, it applies to any driver looking for insurance.

9.      Make a Lump Sum Payment

If your insurance premium is high, it is probably tempting to pay for it in monthly instalments.  However, insurance companies charge interest on this, meaning you’ll end up paying more at the end of the day.  If you can afford it, it’s much better, therefore, to make a lump sum payment.  If you can’t, think about taking out a 0% purchase credit card so you can pay monthly without the additional cost.

10.  Don’t reoffend

The reason you are looking for convicted driver insurance is that you broke the law.  Moreover, if those laws were related to your actions on the road, insurance companies will always err on the side of believing you’ll behave the same way again, which is why your premiums will be higher than for other drivers. 

Even if you don’t do anything outlined in steps 1 – 9, your premiums will go down over time because your conviction will be older, and your insurance company will see you as less of a risk.  They’ll only do this, however, if you don’t have any further convictions. 

If you want help sourcing the cheapest convicted driver insurance, then get in touch with MyFirstUK who specialise in this type of insurance and will search high and low to find you the most affordable and cost-efficient insurance possible.

Cheap Car Insurance For New Drivers: How A Dash Cam Or Black Box Could Save You Money

Passing your driving test is a right of passage for many young people across the UK. As soon as you’ve got that certificate in your hand, you will be eagerly waiting to hit the road alone. Before you can get behind the wheel of your very first car, you will need to get yourself the proper car insurance policy in place. However, finding cheap car insurance for new drivers can be a real struggle.

Many insurance companies will quote extremely high premiums for young drivers. Especially for those who have just recently passed their driving test. Consequently, these expensive prices can be enough to put some new drivers off getting their first car.

It is a legal requirement for every driver in the UK to have some form of car insurance in place. This protects yourself, and other drivers should something go wrong while out on the road. Finding cheap car insurance for new drivers can often seem like an impossible task. However, there are some options out there to help keep the costs down.

One increasingly popular option for cheap car insurance for new drivers is Dash Cam Insurance. This could save you up to 30% on your insurance premiums. Another option is Black Box Insurance. This will allow your insurance company to monitor your driving habits and price your premiums accordingly.

What Is Dash Cam Insurance?

A dashboard camera, or Dash Cam, is a small camera device. It is fitted to your car and monitors the road ahead of you as you drive. A Dash Cam will continuously record the road and vehicles around you when you are driving. Furthermore, this footage can be invaluable should an incident occur. The recordings can reveal which driver was at fault in the event of an accident. As a result, it can help both drivers and insurance companies save a lot of money, time and stress.

It is becoming increasingly popular for car insurance companies to include a Dash Cam within their insurance policies and then reduce the premiums to reflect this. When you are looking for cheap car insurance for new drivers, Dash Cam Insurance is an excellent option to consider.

How Can A Dash Cam Help With Cheap Car Insurance For New Drivers?

Finding cheap car insurance for new drivers is often a struggle. This is because insurance companies will always have higher premiums for drivers who have just recently passed their test. New drivers and younger drivers have less experience at being on the road, and statistics have shown that younger drivers are more likely to be involved in an accident than older, more experienced drivers.

Car insurance companies will charge a higher premium to these drivers to cover the added risk, so if you can take some of that risk away, then the premiums will be reduced.

A driver with a Dash Cam is less risky to an insurance company than a driver without one, as there will be recorded footage of any accidents that do occur. This means that you can prove if an incident on the road was not your fault and will also make you more aware and accountable for your own driving.

Having a Dash Cam fitted in your vehicle will discourage inconsiderate driving, and a huge 40% of motorists say they would feel safer driving with a Dash Cam on board. When it comes to finding cheap car insurance for new drivers, choosing Dash Cam Insurance can reduce the premiums by up to 30%.

first time driver insurance

What is Black Box Insurance?

A Black Box, or telematics device, is a small box that is fitted into your vehicle by an insurance company to monitor your driving style. This small device will track your speed, distance, time of day or night that you usually drive, braking and cornering, and all the information collected can be accessed by an online portal. Consequently, this will build up a comprehensive profile of what you are like as a driver.

Generally speaking, the fewer miles you drive and the less night time driving you do, the safer driver you will be in the eyes of an insurance company. This is a really popular option for those looking for cheap car insurance for new drivers, as the premiums are often based on your own driving style as opposed to statistics of others your age.

How Can A Black Box Help With Cheap Car Insurance For New Drivers?

Just like with Dash Cam Insurance, Black Box Insurance will also reduce the risk for an insurance company covering you as a new driver. Your insurance company will be able to monitor your driving style and see how safe you are when out on the roads.

Some Black Box Insurance policies will also put restrictions in place to keep your premiums down. These restrictions might include a limit on the number of miles you can drive in one year, how long you can drive for without a break, and the times of day or night you can drive.

Having a Black Box fitted in your vehicle can reduce insurance premiums by around 25%, making it a great option if you are looking for cheap car insurance for new drivers.

How Else Can I Get Cheap Car Insurance For New Drivers?

Dash Cams and Black Boxes are both excellent ways of reducing your insurance premiums as a young or new driver, but there are also a few other things you can do to help keep the costs down:

  • Advanced driving courses: Even though you have passed your driving test, you could reduce your premiums by passing an advanced driving course such as PassPlus.
  • Pay annually: Instead of paying for your car insurance every month, it is often cheaper to pay for an entire year in advance if you can afford to do so.
  • Include named drivers: You can add an experienced driver onto your car insurance policy as a named driver. This often helps to lower your premiums and also means they can drive your car.
  • Reduce your mileage: For many insurance policies, the more you drive, the higher your premiums will be. If you can reduce your annual mileage at all, then it could make your insurance cheaper.

Looking for the a quick, hassle free quote? Get the best deal today and get a quote from MyFirstUK