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

young driver car insurance

What’s The Best Car Insurance For 17 Years Olds?

Passing your driving test is a huge achievement, and for many 17-year-olds, it is a symbol of freedom and taking those first steps into adulthood. There is little better than the feeling of getting behind the wheel of your very first car, but before you can take it out for a spin, you need to choose your car insurance.

Car insurance is eye-wateringly expensive for anyone under the age of 25, and for a new driver at 17 it is going to set you back a pretty penny.

Arranging your car insurance is not a fun task, but it is a necessity before you can hit the road. It is important to remember that your car insurance as a 17-year-old is always going to be higher than that of your parents or older siblings. While you must accept that your first ever car insurance is not going to be cheap, there are some options out there to help you keep the costs as low as possible.

Why is car insurance more expensive for 17-year-olds?

Losing your L plates and paying through the nose to be able to drive on your own for the first time is a rite of passage for almost every young person in the UK. Before you begin shopping around for the best car insurance for you, it is vital that you understand the reasons behind the expensive price tag.

Insurance companies will calculate everything based on risk, which means they will be assessing the likelihood of having to pay out for a claim. The more likely they are to have to pay out, the higher the premiums will be.

When you are 17, your driving experience is limited, and it is likely you have only ever driven during driving lessons. On top of this, roughly one in five young drivers are involved in an accident within the first six months of getting their licence.

All this means that insurance companies will take the view that they are more likely to have to pay out for a claim, and so increase the premiums to help cover these costs. As you grow older and build up a no claims bonus, your insurance premiums will decrease as the insurance companies begin to see that you are less of a risk to them.

Black Box Insurance: The best car insurance for 17-year-olds

What is black box insurance?

Insurance companies are aware of how the high prices of car insurance for young people can be off-putting and even result in some young people not driving at all. They have come up with other solutions to help tackle these high prices while also protecting themselves, and one popular solution for many new drivers is black box insurance.

Black box insurance, or telematics insurance as it is sometimes known, is based on your own driving as opposed to statistics of other people your age.

When you choose black box insurance, your car will be fitted with a small ‘black box’ device that is used to track your driving style and habits. It will record your speed, the distance you have travelled and the time of day you are driving.

Your braking and cornering will be monitored as well, and all this data is used to build up a thorough profile of what you are like as a driver. When you have black box insurance, you will be able to login to a secure website portal that will give you performance data on your driving and give you advice on any areas you could improve on to bring down the cost of your insurance.

Generally, if you drive fewer miles on roads known to be safer and also limit your driving at night time, then your premiums will be lower. Some black box insurance policies will have premiums that change every month depending on your driving, while others will have fixed monthly premiums.

If you choose a black box insurance policy, it will almost always be cheaper than not having a black box, as insurance companies will see you as less of a risk as they can monitor your driving.

How can 17-year-old drivers keep their insurance costs down?

As well as choosing black box insurance, there are other ways that 17-year-old drivers can keep the costs of their insurance to a minimum. Here are our top tips on keeping car insurance as low as possible:

  • Choose the right car: If you haven’t already got your heart set on a specific car, then choosing wisely can save you a lot of money in car insurance.

Opt for something with a small engine as in general smaller cars will cost less to insure. Every car will be put into its own insurance group and can have a big impact on how much you end up paying in insurance.

  • Add a named driver with experience: If you have a family member or close friend with a lot of driving experience and a clean licence, then look at adding them as a named driver on your policy.

While it seems obvious that adding more drivers will make the cost go up, in some cases, it can actually reduce the cost of your premiums. Never be tempted to take out the policy in someone else’s name and add yourself as a named driver, as this is called fronting and is a type of insurance fraud.

  • Get more driving qualifications: You can try to prove to insurance companies that you are a safe driver by continuing your learning even after you’ve passed your driving test.

Taking advanced driving courses such as Pass Plus can be really effective at lowering the cost of your cover, as insurance companies will see you as less of a risk.

  • Pay annually: While making monthly premium payments is often the easiest and most manageable option, it is usually cheaper to pay your insurance annually instead. If you can afford to pay for one year in advance, you will generally save across the course of the year.

It is also worth looking into flexible finance options as MyFirstUK offer various options with low deposits for first-time drivers.

Get a quote from MyFirstUK

van insurance

How To Find Cheap Van Insurance

If you own a van, then it is a legal requirement to obtain van insurance for your vehicle. There are no two ways about it. Van insurance differs significantly from car insurance. For a start, the risks between driving a car and a van are different. What’s more, vans are often likely to be used for a business purpose which means it requires a different type of insurance.

If you’re looking for a way to get cheap van insurance, then read this handy guide on what you can do to get the best deal for van insurance.

Factors affecting the cost of van insurance

  1. The type of vehicle

No two vans are the same, and the make and model of your van (as well as its size and load capacity) will affect the price of the insurance. If you are buying a new van, it is worth comparing the insurance costs for different makes and models so that you can get the best deal. While one type of van may be cheaper to buy, the cost of insurance may be high which could mean it is more expensive in the long run compared to a more expensive van with cheaper insurance.

  • Location

Insurance providers will ask you where the van is kept overnight. A driveway or garage is usually considered safer than on-street parking which may lower your insurance. However, many scratches and scrapes take place in a garage or carpark which can increase the level of risk and actually increase your premiums even though they are deemed ‘safe’ locations.

  • Mileage

Typically, the more miles you do, the higher your insurance premiums will be. This is because more time spent on the roads means a higher chance of accidents as well as more wear and tear for the van itself. By lowering your mileage, you may get a better deal for your insurance, although this is often difficult for van drivers who cover a lot of miles. Do not lie about your mileage as it could invalidate your policy in the event of a claim.

  • The driver

If you have convictions, then your premiums are likely to rise. Your insurer will also base your premiums on your age, gender and how long you have been driving. Some insurers will also take into account the number of years you’ve held a no-claims bonus for.

  • Business use

Many van drivers will use their vehicle for work purposes. When requesting an insurance quote, you will be asked if you drive the van for business or personal use, there is also an option to select both. Insurance can then cover personal possessions, work equipment and haulage if you use your van to make deliveries. All of these uses will impact your insurance, so only select the options that you actually need and that suit your requirements, you do not have to have all cover options.

Traffic on highway with cars.

How To Find Cheap Van Insurance

  1. Don’t auto-renew

Many insurers will increase the price of their insurance every year and then automatically renew the insurance to save the individual time. While auto-renewal can save time, it usually means drivers miss out on the best deals. Instead, call MyFirstUK who will shop around to get the best deal for you. Saving you both time and money!

  • Pay annually

If you are in the financial position to pay for your insurance annually, it can make your insurance cheaper. Often, insurers will give you a discount if you pay annually, they may even give you one month of insurance for free. Paying monthly usually costs more due to the additional processing and administrations for the insurance provider.

  • Up your security

One of the best ways to get cheap van insurance is to ensure your van has a decent level of security. Where possible, look for vans with security features or add them where possible. GPS tracking can be incredibly beneficial if your van gets stolen. Having an alarm system can also help, while many manufacturers include an alarm and immobiliser as standard, it may be worth upgrading your security systems for cheaper van insurance and greater peace of mind too.

  • Understand the add-ons

Many insurers will have a van insurance package which will include a number of add-ons. For some drivers, these add-ons will be useful. However, for some drivers, they could be redundant features. For example, an add-on may protect your cargo or cover your work tools. If you don’t use your van as a tradesperson or don’t use your van for haulage, then this could increase your premium without giving you any benefits.

Instead, check carefully what is included in your premium and only include the add-ons that you’ll actually benefit from.

  • Choose a dash cam policy

Having a dash cam insurance policy such as MyVan means you receive a free dash cam as part of your premiums as well as potentially lowering your premiums by up to 25%. MyVan dash cam insurance comes with a free Next Base Dash Cam as well as free collection and installation at Halfords. The device will then be there in the event of an accident as well as providing proof if any false claims were made against you.

If you want to save up to 25% on your van insurance policy, start your quote with MyFirstUK today.

  • Remember cheaper isn’t always better

Sometimes it is well worth spending a little bit more on your van insurance so that it can adequately protect you in the event of a claim. It may seem like a good idea to increase your voluntary excess. This will be the amount you pay towards a claim. However, you need to make sure you can afford the excess otherwise the garage may not give you your van back. Always choose a voluntary excess amount that you know you can afford.

van insurance

Van Insurance For Young Drivers – A Comprehensive Guide

Regardless of the vehicle they want to drive; young drivers suffer from high vehicle insurance premiums. Young drivers who are looking for car insurance will find their premiums are much higher than those aged 25 and above. However, for young drivers looking for van insurance, the premiums are usually higher. Furthermore, it can be harder to find an insurance policy as many van insurance policies are only available to drivers over 21 years-old. Some policies are only available for drivers over 25. So, what can you do to obtain cheap van insurance for young drivers?

Why is van insurance for young drivers so difficult to acquire?

Car insurance premiums for young drivers increase because they are statistically more likely to suffer an accident on the roads. Similarly, van drivers aged between 17-24 are more likely to be involved in an accident when driving a van compared to van drivers who are older and that have more experience.

With this in mind, many insurers do not think its profitable or worthwhile to offer insurance to van drivers under 25. This is why only a small proportion of insurers offer van insurance to those under 25. Some insurers have lowered their age restrictions to drivers over 21, which is better, but only because they class van drivers over 21 as a slightly lesser risk and insurance premiums are still typically high to reflect this.

Fortunately, there are some insurers that do offer van insurance for young drivers. Furthermore, MyFirstUK works with the majority of them, to help young drivers to get van insurance at an affordable price.

van insurance

Why is my van insurance for young drivers quote so expensive?

The fact that insurance premiums are higher for young drivers is often due to the statistical likelihood that they are more likely to be involved in an accident. For example, one-fifth of drivers have an accident within the first six months of acquiring their licence. Furthermore, an 18-year-old driver is three times more likely to get involved in a crash compared to a 48-year-old.

As well as the risk of accidents for young drivers, there may be other factors to blame for your high quote;

  1. The type of van you drive

The type of van you drive will be used to calculate the cost of your insurance premiums. Aspects the insurer will take into consideration include;

  • Payload capacity
  • The engine size
  • Age of the vehicle
  • The value of the vehicle.

If you haven’t bought your van yet and are just shopping around for quotes, it may be worth considering a smaller, more efficient van. You can check which vans are the cheapest to insure by looking at the Association of British Insurers’ insurance groups for vans. Bear in mind, that while a van may cost a little more to buy or hire purchase, it could save you, in the long run, thanks to cheaper insurance.

The Association of British Insurers’ (ABI) judges which vans to class in each category based on a number of factors. For example;

  • If parts are expensive or rare, then it will cost more to repair and, therefore, more to insure.
  • If the overall cost to repair a van is high, then premiums will reflect this.
  • The bigger the engine, then it will be classed in a higher category by ABI.
  • The heavier the weight of the van, the more difficult it is to drive, so will be classed higher.
  • The performance of the make and model will determine how likely a claim will be made.
  • The greater number of security features the lower the category and premium will be.
  • Your personal situation

Your personal details will be taken into consideration when determining your premiums. Aspects that insurers will consider include your age and driving experience. Premiums will also take into account the number of convictions you have as well as your claiming history and no claims bonus.

Other personal information that could increase your premiums is where you live and where the van will be stored. On street parking will usually raise premiums, while keeping your vehicle on a private driveway will usually lower the premiums. The area in which you live can also play a large part in your premium costs. Unfortunately, this is usually unavoidable.

How to find cheap van insurance for young drivers

While van insurance for young drivers is usually expensive, there are ways that you can reduce your van insurance premiums and find more affordable van insurance that suits your needs.

  1. Choose the right van

As mentioned above, a bigger, more powerful van will be more expensive to insure than one with a smaller engine. It may be best to start with a smaller van and upgrade as you build up your no claims bonus. Check ABI’s groups for van insurance to find the vans which are cheapest to insure.

  • Shop around

Get in touch with MyFirstUK who will scour the market searching for the best van insurance deals for young drivers. Our team are on web chat, email and phone so you can get in touch easily, and we’ll do the hard work of comparing insurance quotes.

  • Increase your voluntary excess

If you have the funds available, then increase your voluntary excess. This will be the amount you will have to contribute for a repair. However, if you don’t have the money in the event of the claim, then the insurer will not have to pay out.

  • Add security measures

The safer your van is, the less likely it will be stolen or damaged which means you are less likely to claim on your insurance. From locking in a garage overnight to choosing Dashcam insurance from MyFirstUK, there is a range of security measures you can put in place.

  • Pay upfront

If possible, pay the annual premium for your car insurance compared to monthly instalments. Paying for a whole year upfront is usually cheaper than paying in instalments, you may even get one month of insurance free by paying in advance.

The team at MyFirstUK are here to help you get the most affordable van insurance for young drivers and will be on hand with ideas for how you can lower your premiums too. Find out more by getting a quote online!