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Welcome to Surviving Driving
Swansea and South Wales premier independent driving school
Car insurance options for new and young drivers
In order to start learning to drive it is essential that you are at least 17 years of age and are in possession of a valid provisional drivers licence. In order to drive a vehicle you must be accompanied by an adult over the age of 21 who has held a full drivers licence for at least 3 years. Before you start you should also check the vehicle you are about to drive is roadworthy, taxed and insured.
However, whilst most young people look forward to the freedom having the ability to drive brings, accident statistics amongst new and young drivers are extremely high which in turn makes finding cheap car insurance very difficult.
Car buying tips for new drivers
In terms of driving, selecting your first car will be one of the most important decisions you will make. The secret behind it is to complete your research and work out the ongoing running costs before you buy. You should be looking out for insurance groups, fuel consumption, tax costs, servicing and tyre costs.
Once you have completed your research and decided on a make and model, you should shop around online to check availability and pricing. As you are a new driver, avoid modified cars as these will certainly increase your car insurance premium. During your first years of driving it is recommended that you go for a car with a small engine and low insurance group as this will help save money on your car insurance.
When you are ready to buy, be sure to look at as many examples as possible and always insist on a test drive and if possible take an experienced driver along with you. This will allow you to check for any problems with the car. If you are going to buy privately it is also a prudent choice to invest in a car data check, which should highlight any hidden history.
So what car insurance options are there for new and young drivers?
In 2008, some insurance providers such as More Than, Swiftcover and AXA removed new drivers from their product offering due to the high risk level involved. Indeed a 17 to 24 year old will now pay an average of £1,249.56 a year on car insurance according to Sainsbury’s Car Insurance Index.
