Pages

Friday 21 December 2012

Insurance rules to alter prices

Insurance rules to alter prices: Millions of people will see price changes on their next insurance policy following rule changes that have now come into force.

Wednesday 19 December 2012

Female car insurance up 15 per cent ahead of gender ruling

Female car insurance up 15 per cent ahead of gender ruling:
Filed under:

PA
Car insurance premiums for women are up 15 per cent, or £114, ahead of new EU gender rules kicking in next week.


The average best price for female car insurance premiums has risen from £748 on November 1 to £862 on December 12 according to comparison site Gocompare.com.
With a week to go until the European Court of Justice ruling on gender equality comes into effect, it has long been reported that female insurance premiums would rise to bring them in line across the board, despite statistics which show women drivers have less accidents than their male counterparts.


The comparison website has analysed more than 10m car insurance quotes since January 2011, but says this is the most significant movement in premiums to date. Along with the 15 per cent increase for women, there has also been a slight increase in the best price for 17 and 18 year old females from £1,910 at the start of November to £2,921.


Meanwhile, black box car insurance brand Ingenie, which insures 17-25 year olds, sees the ruling as a "step closer to a future where all young drivers are treated as individuals, with premiums based on how well they drive".


Chief executive Richard King said: "As a specialist brand for young drivers, we know that teenage drivers in particular are often offered expensive quotes - but this isn't always fair. Our experience is that many of our customers actually drive really well.



"With the British Insurance Brokers Association estimating that black box insurance can be up to 25 per cent cheaper than traditional insurance, we hope that young female drivers in particular see black box insurance as a fairer alternative - with their premium based on their individual driving style."


Gocompare.com's head of motor insurance Scott Kelly added: "With the majority of insurers saying they are leaving full equalisation until the last minute we are not going to see the real impact of the ruling on the best prices available until December 21.


"One impact could be that the number of insurers offering cover for drivers of certain ages will fall as companies temporarily exit the market until prices settle down and they can then pick their price points.


"We still don't know exactly how the market is going to look post December 21, but the assumption is that rates for female drivers will continue to rise."


The change in the law comes into force from December 21, 2012.

Tuesday 18 December 2012

Top tips for driving in the dark

Top tips for driving in the dark:
Filed under:

motorway nightRui Vieira/PA Wire
With the shortest day of the year fast approaching, tips for driving in the dark have never been more valuable, with more and more motorists finding their car journeys to and from work shrouded in darkness.


And with many parts of Britain's motorways not lit as part of the government's budget-saving moves, road safety charity the IAM has come up with a host of tips to ensure safe driving on our high-speed roads during the winter months.

Planning is key
Driving in the dark can cause fatigue - plan your journey, scheduling at least one stop every two hours.


Take a break
Don't ignore warning signs of fatigue. In extreme cases, have a caffeine drink and sleep for 20 minutes while it takes effect. You can only do this once per journey; it won't have the same effect if you do it more than once.


Share and share alike
Driving with a partner? Share the driving if possible to reduce fatigue.


Clean way
Many stretches of motorway are not lit during hours of darkness - to improve your view as far as possible, keep your lights, mirrors and windscreen clean.


Look out
Watch for brake lights up ahead to foresee any changes in traffic speed or queues which you may be joining.


Break down?
If you break down, pull over on to the hard shoulder and stop as far to the left as you can, pointing your wheels in towards the kerb. When stopped on the hard shoulder, leave your vehicle and get as far away from the road as possible, behind the crash barrier, and up the bank if there is one.


Rodger said: "Although motorways are our safest roads, darkness brings with it additional challenges which increase the risk of fatal accidents. Plan your journey from beginning to end and take necessary precautions to keep yourself and your family safe this Christmas."

Congratulations to Dan


Congratulations to Dan Ewens who passed this morning with a good report.
18 Dec 12

Friday 14 December 2012

Is it the end of the road for the tax disc? Scrapping paper version would cut ... - Daily Mail

Is it the end of the road for the tax disc? Scrapping paper version would cut ... - Daily Mail:

Daily Mail


Is it the end of the road for the tax disc? Scrapping paper version would cut ...
Daily Mail
The plan is set out in the small print of a Government consultation paper published yesterday by the Department for Transport. It is looking into reforming the Driver and Vehicle Licensing Agency, the Driving Standards Agency, the Vehicle Certification ...

Thursday 29 November 2012

The Co-op have the solution for the female car insurance ruling!


That's right, there are only 22 DAYS left for female drivers around the U.K to renew their car insurance before the expected price rises explode!

What is this all about you may ask? Well, the EU has decided due to equality, thatcar insurance companies cannot gender discriminate when issuing policies and offer females better prices, even though they are involved in less collisions. Meaning, young innocent female drivers will be forced to pay the same as 'Barry the boy racer' and we're seeing price rises of up to £3,000!! OUCH!!!

The average annual premium for females will rise by £362 per year after the ruling, something which the insurance industry opposed themselves. Shadow Transport Minister John Woodcock called the ruling ‘crazy’ and added: ‘People are already finding it hard to make ends meet. With motoring costs rising, working, for some, will stop being financially worthwhile. The common-sense view would be to look at the statistics that show women have fewer crashes. I cannot understand why the EU has imposed such a mad, perverse ruling.’

Now, our friends down at the Co-Operative have come up with a clever little idea, targeted mainly towards young female drivers. They are doubling the discount young females can receive through the Telematics young driver car insurance scheme. They say that 65% of drivers are worried about the cost of car insurance after 21st December. The Co-operative will increase the discount for safe drivers to 20% for those who take out or renew a Young Driver policy after 21 December. This means that if they drive safely, females should not be left out of pocket, as the increase in discount will help to offset any rise in their premiums. 
The Co-operative’s Head of Motor Insurance, Grant Mitchell, explains: “Young drivers are already paying above the odd for their car insurance, and it is unfortunate that the new law is likely to push prices up for young females even more.
So, there you have it, get renewing through the Co-Operative and see our Telematics page for more information around the technology and policies themselves.
Have your say, leave a comment below, sharing is caring – tweet & like this for your friends to see!

The Co-op have the solution for the female car insurance ruling!:
Read more...

Tuesday 27 November 2012

Road charging could be here as soon as 2020


The Government and local councils are looking at road tolling as a way of combatting Britain's crumbling road network - and plans could be implemented as early as 2020.



Traffic is predicted to double over the next 25 years and the Local Government Association believes ministers will be left with no other option than to implement road tolls or pay-as-you-drive schemes.

With the Government expected to publish results of a joint review between the Treasury and the Department for Transport within the next couple of weeks, the Highways Agency could be privatised in the same way as water and electricity industries.



The RAC is supporting the introduction of road tolling but only if it makes "vehicle taxation more transparent".



A spokesperson for the organisation said: "The current taxation system, where motorists pay tax on their car, duty on fuel and VAT on top of that, has lost all credibility with drivers. They simply don't see where the £45bn raised through fuel duty goes."



Road tolling would offer a clearer picture for road users, paying as they use the roads, in the same way we pay our household bills.''But UK road users cannot stomach any more increases in tax. Tolling cannot be additional to current systems."



The introduction and uptake of electric cars has quickly made current taxation systems outdated. Planned fuel duty rises in January, where petrol could increase by 3p per litre, will give an instant boost to government revenue streams, but this isn't an answer.



The RAC added: "If you look 15 years down the line, the cars and the way we use them will change. The government needs to overhaul taxation systems to keep up with these changes, as current systems are already out of date and unfair on the UK motorist."



Do you think road tolls are the answer the our potholed roads? Let us know your thoughts by posting your comments below.


Road charging could be here as soon as 2020:
Filed under: 


Sunday 25 November 2012

Motorists speeding at 100mph face being banned for longer


Motorists speeding at 100mph face being banned for longer and being ordered to take extended driving tests as Government cracks down on dangerous drivers

  • DfT proposal extends range of offences where tests are required
  • It includes careless driving and speeding significantly over the limit
  • Currently extended tests are only required for very serious breaches
  • Last year 5,299 motorists had to take them before being having their licences restored
Britain's most reckless drivers will be kept off the road while they pose a threat under plans for a new Government crackdown on dangerous motorists, it was revealed today.
Courts will be able to order more motorists who commit serious driving offences like speeding over 100mph to take an extended test that lasts twice as long as that faced by learners.
The proposals unveiled by the Department for Transport would extend the range of offences where an order can be made, such as serious cases of careless driving and speeding significantly over the limit.
A proposed crackdown on speeding drivers will see those caught at 100mph ordered to take an extend test to get their licence back
Currently extended tests are required for motorists banned for more than 56 days for dangerous driving, drink driving and other serious offences such as causing death by dangerous driving.
In the last financial year 5,299 motorists had to take extended car tests before being having their licences restored.
According to the latest figures from the Ministry of Justice more than 9,000 motorists were banned from driving for a single speeding offence by the courts last year.
 
Motoring groups believe around a third of these drivers could be hit by the proposals which are intended to act against the worst offenders.
They could be joined by around 1,000 more motorists who are banned by the courts for the worst cases of careless driving.
Under current sentencing guidelines issued to the courts, motorists caught driving at 30mph over the post speed limit should be given an immediate ban.
Speed camera: The proposals are part of a wider clamp down on dangerous driving, that includes those found over the alcohol limit
Speed camera: The proposals are part of a wider clamp down on dangerous driving, that includes those found over the alcohol limit
This is because it is believed that breaking the speed limit by such a margin poses a serious threat to other road users.
Andrew Howard, the AA's head of road safety, said: 'Driving at 100mph is not a minor slip. Everyone knows the national speed limit'.
'This means the worst drivers will be properly tested being allowed back on the road.'

SERIAL DRINK-DRIVERS COULD HAVE THEIR CARS SEIZED

Ministers announced last week that habitual drink drivers could have their cars seized as the Government attempts to tackle the problem of people getting behind the wheel when over the limit.
The move came after alarming figures revealed that a steep rise of motorists being convicted more than once for drink-driving offences.
Startling figures show that in 2000, 13,299 motorists received a second ban for drink driving - and this figure soared to 19,605 by 2009.
During this period, those disqualified from driving for at least the second time rose to 24 per cent from 16 per cent.
Drivers will lose the right to demand a second blood or urine test if they are found to be even fractionally over the limit when breathalysed.
This move is meant to clamp down on a loophole that means people can sober up while they await their new test.
Habitual drink drivers could have their cars seized as the Government attempts to tackle the problem of people getting behind the wheel when over the limit.
The move comes after alarming figures revealed that a steep rise of motorists being convicted more than once for drink-driving offences.
Startling figures show that in 2000, 13,299 motorists received a second ban for drink driving - and this figure soared to 19,605 by 2009.


Read more: http://www.dailymail.co.uk/news/article-2231627/Serial-drink-drivers-cars-seized-Whitehall-cracks-dangerous-drivers.html#ixzz2D8XDYk8Z
Follow us: @MailOnline on Twitter | DailyMail on Facebook
Habitual drink drivers could have their cars seized as the Government attempts to tackle the problem of people getting behind the wheel when over the limit.
The move comes after alarming figures revealed that a steep rise of motorists being convicted more than once for drink-driving offences.
Startling figures show that in 2000, 13,299 motorists received a second ban for drink driving - and this figure soared to 19,605 by 2009.


Read more: http://www.dailymail.co.uk/news/article-2231627/Serial-drink-drivers-cars-seized-Whitehall-cracks-dangerous-drivers.html#ixzz2D8XDYk8Z
Follow us: @MailOnline on Twitter | DailyMail on Facebook
An extended test lasts up to 85 minutes – double the length of that faced by normal learner – and costs £124 rather than the normal fee of £62.
The extended tests themselves are likely to be overhauled to take into account the offence which led to disqualification in the first place.
The initiative was welcomed by Robert Gifford, executive director of the Parliamentary Advisory Council for Transport Safety.
He told the Daily Telegraph: 'This is a timely move to ensure that the requirement to take an extended driving test also has an educational dimension.
'Carrying a driving licence is a significant responsibility and drivers need to be reminded of that. This should ensure that the extended driving test for serious offenders is fit for purpose.'
The proposals to increase the number of motorists being forced to take an extended test are included in a consultation unveiled by the Department for Transport intended to tighten the law on a range of motoring offences.
They are included in a package of measures which include a move to close the loophole that gives drivers marginally over the limit enough time to sober up and avoid a ban.
This will be done by removing their right to demand a second blood or urine test which, especially in rural areas, can take up to two hours to perform.


Read more: http://www.dailymail.co.uk/news/article-2237757/Drivers-speeding-100mph-face-banned-longer-ordered-extended-driving-tests-theyre-allowed-road.html#ixzz2DdG8GObr
Follow us: @MailOnline on Twitter | DailyMail on Facebook

Thursday 22 November 2012

Tough new measures to tackle drink drivers


A raft of tough measures to crack down on drink drivers has been unveiled today by Road Safety Minister Stephen Hammond.


Included in the proposals are plans to remove the statutory right to a replacement blood or urine test where a breath test reading is above and close to the legal limit, closing the loophole which allows those testing positive in breath to sober up while they wait for a blood or urine sample to be taken.

The Government also intends to legislate to allow police the option not to perform a preliminary breath test where roadside evidential breath tests are carried out.


Registered health care professionals could also receive greater roles in testing drink drivers.


Stephen Hammond said: "We have made great progress in tackling drink drivers and the 2011 fatality figure for drink and drive accidents is the second lowest ever recorded.


"However, last year 280 people died ruining the lives of families up and down the country so more needs to be done to eradicate this menace. That is why we are taking forward a package of measures to streamline enforcement against drink driving."


Currently, drivers who record less than 50 microgrammes of alcohol per 100 millilitres of breath have the right to demand a blood or urine test - despite being over the legal limit of 35 microgrammes per 100 millilitres. This could be changed thanks to more accurate testing technology.


Other proposals within the plans include commissioning further research into the current process used to decide whether a driver banned due to drink driving can regain their licence, and
further exploration of how greater use can be made of vehicle forfeiture powers to get the most dangerous and irresponsible motorists off the road, including drink drivers.


The Institute of Advance Motorists' Neil Greig said: "These proposals are very welcome but must be accompanied by higher-profile drink-driving campaigns, and not just at Christmas.


"Drivers need to know about the devastating consequences of drink-driving and drink-drivers need to know that they will be caught and punished."
The consultation period runs until January 2, 2013.

Tuesday 20 November 2012

90% of learner drivers take the practical driving test too early!



Ok, so they say you should take an average of around 40 hours of professional driving lessons with an approved driving instructor before your practical driving test, as well as an additional 20 hours with parents, guardians or friends. But that's just an average,young drivers tend to pick up motoring quickest, they actually lack when it comes to decision making on the roads, which is why some believe they are involved in the most road traffic collisions.
And now, recent research is suggesting that learner drivers are taking the practical driving test too early, in fact, 90% of learner drivers! Basically, the claim is that only 10% of learner drivers are taking the recommended amount of driving lessons before the driving test. Based on the average prices, 40 hours of tuition is worth over £900, which is not including the cost of taking the theory and practical driving tests.
The argument is that the lack of proper training is actually resulting in the high rate of collisions involving young drivers. Some driving schools recommend taking the pass plus course, which members from the DfT claimed is 'flawed. However, car insurance companies such as The AAAdrian Flux and Endsleigh still offer discounts to motorists who have taken the course.
Roadsafe director Adrian Walsh said: “When it comes to buying a car for a new, young driver, it is a bad idea to put them in a cheap old banger. Older vehicles tend to cost less to insure but this benefit is diminished in the event of a crash, as they lack the safety systems found in newer models.”
How many driving lessons did you take before you passed your practical driving test?
Have your say, leave a comment below, sharing is caring – tweet & like this for your friends to see!

.90% of learner drivers take the practical driving test too early!:
Read more..

Saturday 17 November 2012

Young drivers could be banned from carrying non-family passengers


Young drivers face a ban on carrying anyone other than family members as passengers under proposals being considered by the Government to cut the number of road accidents involving teenagers.

Young motorists could be banned from driving at night and carrying passengers under plans put forward by insurance companies.
Under options being considered, young people could be banned from carrying passengers they are not related to Photo: Alamy
Other options include banning novice drivers from carrying passengers altogether.
In an interview with The Daily Telegraph, Mr McLoughlin said he was ready to look at measures which could reduce the the number of accidents involving novice motorists and cut the cost of providing them insurance cover.
According to the Association of British Insurers, which submitted the proposals to the Department for Transport, one in eight drivers is under 25, but they account for one third of the number of people who die on the country’s roads.
It estimates that an 18-year old driver is three times more likely to be involved in a crash than a motorist 30 years older. In 2011, drivers between 17 and 19 were involved in 12,000 crashes of which more than half resulted in serious or fatal injuries.
“I read regular reports where three or four young people have been killed in a car and it’s a new driver and you wonder what happened,” Mr McLoughlin said.
“When I talk to young people who have recently passed their test what they say sometimes there is peer pressure is put on them to go fast, to show off.
“They are not anticipating an accident, but something goes wrong. They are not drivers with a huge amount of experience by the very fact of their being new drivers. I think we have got to look at that.
“There is a suggestion as to whether you should look at a restriction whether anyone could carry passengers for six or nine months when they have first passed their test,” Mr McLoughlin added.
“There are suggestions about them only perhaps being allowed to take a family member. To drive a car when you are learning, you have to have a qualified driver in the car. So these are all sorts of areas that I think we can we can look at,” he said.
“It is not an area I have closed my mind to, far from it.”
Mr McLoughlin's remarks came against a backdrop of mounting concern at fatal accidents involving young drivers. Last month Eleanor Coleman, 19, from Great Yarmouth was sentenced to 15 months youth detention for killing her best by driving her Fiat Punto into a lorry parked in a layby following a Halloween party. The crash took place at 5 am.
Earlier this week Naimo Jones, 19, was jailed for six months after killing her best friend in a car crash in Blackpool. The court heard she was showing off when she lost control of her Vauxhall Corsa as it hurtled into a blind left-hand bend.
The proposals were given a "wholehearted welcome" by the road safety charity, Brake. "We have campaigned for many years for the Government to overhaul the system for training and testing drivers.
"Placing restrictions on newly qualified drivers would signficantly improve safety and help to reduce the appalling number of serious casualties that involve inexperienced novices.
"We know from research that young drivers are far more likely to crash when they have passengers of their age in the car. Placing this restriction makes sense."
The ABI believes restricting the number of passengers is a move that the Government should take. A YouGov survey to be released next week by the insurance group will show significant public support for curbs on young drivers.
The survey will show that 71 per cent of Britons would back a limit on the number of young passengers that newly qualified young drivers are allowed to carry.
It will also show that 58 per cent of people support a curfew on night-time driving between 11pm and 4am for newly-qualified young drivers, unless they are driving to and from work.
The ABI said that both limits should be in place for the first six months after a person between the ages of 17 and 24 gets their driving licence.
James Dalton, who overseas motor policy at the ABI, said that "radical action" is needed to "reduce the tragic waste of young lives on our roads, especially among the 17-24 age group".
"A car is potentially a lethal weapon," said Mr Dalton.
An ABI spokesman added: "Any restrictions to limit the number of passengers young newly qualified young drivers can carry for an initial period after passing their test would be a step in the right direction."
The Government has faced calls from the ABI and road safety groups to introduce what is known as a graduated licence, which would impose additional restrictions on drivers who have just passed their test.
In Northern Ireland for example, novice motorists must carry an R-plate and are not allowed to drive faster than 45 mph until they have been driving for a year.
The only restriction faced by novice drivers - irrespective of their age - is that they can have their licence revoked if they accumulate six penalty points within two years of parking their test.
How new restrictions would be enforced remains unclear. Road safety experts believe that young drivers who infringe the rules could face points on their licence or being sent on a course aimed at novice motorists.
Up until now the Government has resisted moves to introduce a graduated licence in England and Wales despite calls from organisations, such as the RAC Foundation, for such a move.
"We need to stop young people killing themselves - and others - on the roads. Casualties have been in decline but this age group is still shockingly over-represented in the stats,” said the Foundation’s director, Professor Stephen Glaister.
“If a modest curb on driving privileges can lead to a meaningful drop in death and injuries - and evidence from abroad suggests it can - then we would support some form of graduated licencing.”
Edmund King, the AA’s president, however, voiced doubts on imposing a ban on carrying passengers.
“It is something we think is extremely impractical,” he said. “We think it is sometimes useful to have a designated driver, who takes three mates home rather than having them travel in separate cars.”
"I can't see how this will be enforced. How can you tell whether somebody in the car is a family member or not? What family members are included? Do they mean someone older? What is their role?
"These things sound reasonable but in practical terms they are very tricky"
Robert Gifford, executive director of the Parliamentary Advisory Committee for Transport Safety, said more work needed to be done before young drivers took their test.
“Young drivers remain a key area where we need to make progress. They are the economic future of our country.
“As well as looking at post-test restrictions, we also need to improve driver training and instruction and the quality of learning. IN that way, we can build quality driver learning.”

Thursday 15 November 2012


 is the new place for corporate and policy information from DSA and the Department for Transport (DfT).


DRIVING STANDARDS AGENCY
 News iconNEWS
DSA website has moved toGOV.UK

GOV.UK
 is the new place for corporate and policy information from DSA and the Department for Transport (DfT).
DSA, DfT and the Department for Communities and Local Government (DCLG), along with 2 of DCLG’s public bodies, have become the first central government organisations to move their corporate and policy content onto the new GOV.UK
 website - the new single home for all government services and information.
Simpler, clearer, faster
The Inside Government section on GOV.UK
 makes it simpler, clearer and faster to find out:
  • how government works
  • what the government is doing
  • how you can get involved
GOV.UK
 will continue to link to existing services such as the test booking services with the old colour schemes; these will be updated shortly.
New web addresses
All web addresses have been redirected, so you don’t need to update your bookmarks, but you might want to make a note of the new addresses:
The Inside Government section of GOV.UK
 has been designed to make government information more easy to find and more transparent for the user. For the first time, you can begin to find out what’s happening inside government all in one place, and in a clear, consistent and transparent format.
  Find out more  

Monday 12 November 2012

Young women warned over car cover


Women are being urged to check their car insurance ahead of a new rule coming into force next month which will ban firms from taking gender into account.
It means female drivers will see their premiums go up by as much as 25% after 21 December.
Some insurers say it might even be cheaper to cancel a policy and sign a new deal before the changes come in.
Brogan Mooney already has three jobs.
The 18-year-old works in a baby shop, sells jewellery over the internet and receives advertising money for beauty and fashion videos she posts online.
"I'm spending all of my wages on my car," she says.

What's happening?

From 21 December, insurance firms in the UK will be banned from taking gender into account.
At the moment women pay less for car cover, so their premiums will rise to bring them in line with what men pay.
According to the Department of Transport, male drivers under 25 were involved in more than 24,000 accidents in 2011.
That's 10,000 more than women of the same age.

What will it mean for me?

It's thought young women will have to pay around 25% extra.
Brogan doesn't think that's fair. "I've been driving a year now and I've had no crashes and no claims, so I should be rewarded," she says.
"It shouldn't be going up for me, it should be going down."
Emma Butler, who is also 18, works in the same store as Brogan.
Brogan and EmmaBrogan and Emma, both 18, are worried about the changes
She says: "It should be equal for boys and girls, but I don't think it should be going up so much for us. It should maybe meet in the middle."
Male drivers should see their premiums drop slightly, and on Newsbeat's Facebook page, Dan Smith wrote: "Brilliant, brilliant news, it's been a long time coming."

What can you do about it?

Martin Lewis offers advice on what insurance changes could mean
Insurance firms aren't happy about the change and spent several years trying to stop it.
They say it's now even more important to shop around for the best deal.
If your cover is due to expire just after 21 December, insurers say it might be cheaper to cancel your policy before that date and sign up for another year at cheaper prices.
But you'll probably be charged a fee and it might also affect your no claims bonus.

Young women warned over car cover: Young women are warned to check their car insurance before new rules come in, which are likely to push up the price of cover.

Saturday 10 November 2012

Learner drivers offered one-day insurance policy



The Guardian
Short-term deals by specialist company Dayinsure aim to appeal to young motorists looking for flexible and affordable cover


A motor insurance policy allowing learner drivers to buy cover for as little as one day has been launched by specialist temporary insurer Dayinsure, in partnership with Aviva.
With driving lessons typically costing £20 to £30 an hour, affording enough practice to pass your test can prove one of the most difficult parts of learning to drive. Experts estimate that the average learner driver will need 45 hours of lessons to become a licenced driver.
One way to keep costs down is to practice with a relative or friend in their car, but extending the insurance on a privately owned car to include a learner driver for a year can also prove very costly.
Dennis Ryan, chairman of Dayinsure.com, an insurance firm that specialises in providing online short-term motor insurance for cars, vans, classics and motorhomes from between one to 28 days, said: "Adding a learner driver to an existing annual insurance policy can be very expensive for family or friends, often increasing the cost by several hundred pounds.
"And for some families whose only household car is a company vehicle, adding a young learner to an existing insurance policy simply isn't an option."
Provisional Marmalade already sells learner driver cover with terms lasting from one month to three months, with prices starting at £85.50 a month (equivalent to £2.81 a day).
To make insurance for learner drivers more flexible, Dayinsure has joined forces with Aviva to offer cover from just one day to three months.
As with any insurance policy, premiums are based on risk, but they start at £2.50 a day for a policy lasting 84 days. Dayinsure has kept costs down by excluding cover between 10pm and 6am, when the majority of learner drivers are least likely to be practising their driving skills but when many younger drivers do have accidents.
Brian Spinks, head of broker personal lines with Aviva UKGI, which is underwriting the policies, said: "By limiting the hours we provide cover we are able to not only keep our prices competitively low, but offer an excess of just £250; the excess for a young driver on an annual policy will typically be from £500 upwards."
Cover can be bought online and insurance documents are emailed instantly to the policyholder at the time of purchase. This enables a learner driver to take advantage of their nearest and dearest offering to give them an ad hoc driving lesson.
To qualify for cover the policyholder must be aged 17 or more and have a provisional driving licence, and be accompanied by a qualified driver aged 25 or more, who has held a full UK licence for three years or more. The vehicle must have no more than six seats and not belong to the policyholder.

'Practice makes perfect' for learner drivers with daily insurance offering


Learner drivers offered one-day insurance policy
Learner drivers offered one-day insurance policy - The Guardian:

all 3 news articles »

Newsfeed

Newsfeed

Search This Blog