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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.
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Links
to some more related articles:
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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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