Learner Driver Insurance

Most often than not, insurance companies make the premiums for new drivers a little expensive due to higher number of claims associated with the new or the young drivers. But when you are going to start driving on the road for the first time, you won't like the idea to spend a lot of money on expensive premiums. Hence, it would be wise to find some cheap car insurance for new drivers first, before you go start your journey on the roads. If you choose your insurance wisely, there are chances that you can save up to 50% of the standard cost of insurance for new drivers.

The price you pay for your insurance is mainly decided on two factors. One is the cost of your car and the other is your driving experience. But in your case, you are not an experienced driver and hence the later factor doesn't provide you any advantage. This is why you will end up paying much more for a cover than what an experienced driver pays for the same cover. However, there are certain steps that you can follow to offset this disparity.

Make Your Car Safe and Secure

Your first step starts from the very moment when you go in a showroom for buying your new car. Before buying your car, make sure that the car adheres to all standards of anti-theft and low risk features applied in UK. You can help yourself reduce your first premium by simply investing in more secure than average car.

However, if you already own a car, then try to include all those safety features and anti-theft features that you can afford. Any feature that helps protect your car in case of an accident or from theft, further increases the chance for you to get cheap premiums for new drivers and for your insurer to save his money as well and they’ll love you for this.

Convince the Insurer

There is another thing that not every person, going to get insurance cover, is aware of. An insurer determines the cost of a policy and its premiums based on what he thinks your car is worth of and not on what you think your car is worth of. For example, let's assume you have bought a car worth £5000, while its retail/book value is £4000 only. Now, if you tell your insurer that you have actually bought the car for £5000 instead of buying at its book value, the insurer will be happy to insure your policy for £5000 and not for £4000. This will make your policy expensive including your premiums too. This is why it is in your own interest to convince your insurer to go for the lower price, that is, the real market value at the time of insuring.

Enquire about Discounts

If you happen to be a student, you must enquire about the availability of any student discount on your insurance cover. There are some policies that provide discounts for getting high GPA too. Never assume that the insurer will tell you about the discount automatically. He will always try to sell you the policy at a higher price without giving any discounts. So, it is your duty to ask for any available discounts and get cheap car insurance as a new driver.