Young Driver Car Insurance
by: Andrew Bowen
It has become increasingly difficult to get young driver car
insurance in the UK. The reason behind this is because the
statistics for young drivers having a car accident are not very
good. By definition, young drivers have very little experience of
driving and thus have a greater chance of having a bump in their
vehicle. Car insurance companies are obviously in business to
make money and are understandably reluctant to insure such
drivers. In most cases, companies will either offer a policy at a
very high premium or refuse to insure the person altogether.
However, there are ways to lower your premium. First of all you
should purchase a car that has a low insurance group number.
Insurance group numbers range from 1 - 20. Generally speaking the
higher the number the higher your premium is likely to be. This
is because cars with high insurance group numbers usually have
bigger engines, are more expensive and go faster. A low insurance
group vehicle will lower the premium for a young driver policy.
Young drivers should also be encouraged to take an advanced
driving test. Some companies look favourably on drivers who take
this test as they are seen as more responsible and more careful
about their driving. Finally, opting for third party fire and
theft or third party only cover also lowers your quote. If you
have purchased a vehicle that does not cost very much money then
you should seriously consider whether or not you need a fully
comprehensive policy.
Getting cheaper quotes for young drivers can still be tricky.
However, http://www.acceptdirect.co.uk have a special option that
is aimed at this particular market and can save you a lot of
money on your insurance quote.
Copyright (c) 2004 Accept Direct Limited
Andrew Bowen is the CEO of Accept Direct Limited. Accept Direct
offer car insurance to UK customers through their website
http://www.acceptdirect.co.uk
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