How to Get the Best Learner Driver Insurance
The best learner driver insurance for you may not be the best for your young driver if they already have a bad driving record. However there is good news as there are insurance policies available that can cater for all types of learner drivers. They may cost more than traditional policies, but you need to compare before making your final decision. You have to do everything you can within reason to try to keep your rating up to scratch in order to reduce the cost of your premiums.
The best learner driver insurance cover is the one which gives you adequate cover and the correct level of cover according to your specific needs. This would be different depending on whether you are taking them on a private policy or you are adding them onto your existing policy. If you decide on taking on a provisional driver policy then it’s important to shop around as the market place for insurance cover is highly competitive. This is because those drivers who have just passed their test and wish to drive immediately often opt for this form of cheap learner driver insurance. On the other hand those who have been learning for some time and have had accidents, have no points and have an otherwise good driving history are often better off with a traditional form of insurance cover.
Those who do choose this form of cheap learner driver insurance should know that the higher premiums come attached with a number of added features. The more expensive car insurance for these individuals comes with better comprehensive and collision cover, as well as emergency assistance. The additional features also mean that you would have an excellent claim payout should an accident occur. On the other hand if you are more cautious and take a sensible approach, you may be able to get a low cost car insurance policy with a number of optional extras including some anti-theft devices.
You will find that there is a choice of policies available when it comes to cover for drivers who are aged 18 and below. One option that you might want to consider is a policy that provides you with cover for injuries, damage to your own car and third-party liability, while allowing you to take out coverage for other drivers, as well as yourself. However if you opt for a separate policy it is important to ensure that you compare the different options so that you know what is available to you. While this may sound like common sense, you’ll find that some people end up making the mistake of choosing the most expensive cover but forgetting that they need to consider third-party cover when insuring their inexperienced driver.
The best policy to take would be a fully comprehensive car insurance policy. This provides you with cover for a wide range of situations including the occasional learner causes of accidents. It is important to note that this type of insurance will not provide you with cover for your vehicle if you are at fault in an accident. It does, however offer you protection if your vehicle is damaged by an accident which was your fault. In addition it provides cover for your passengers in the event that you have an accident, regardless of who is at fault in the accident.
You can also choose to take out third-party only car insurance, although if you do then you need to ensure that your existing policy provides you with adequate cover for third-party liability. Your options in terms of third-party car insurance include providing cover for passengers or the driver in the event that they cause an accident, or taking out fully comprehensive insurance that will cover you for damages to your own vehicle. If you take out an additional policy such as this you must ensure that you allow adequate time to let your existing policy lapse so that you can continue to be covered by your new policy. If you decide to carry out this exercise you must give some careful consideration to how much excess you wish to pay. While you will undoubtedly be tempted to raise the amount of excess you face paying towards your new Learner Driver Insurance, bear in mind that should your car be damaged or stolen during the course of your driving experience then the amount of excess you can pay towards repair or replacement will reduce rapidly. For this reason it may be better to pay slightly more each month and then take out a larger policy to protect yourself for longer.
To work out the cost of your new Learner Driver Insurance you should visit one of the many specialist insurance brokers who will be able to calculate the cost of your cover in respect of your current vehicle, any relevant incidents and your age and gender. Once you have these details it is a simple matter of filling in a form on the online form and submitting it to the broker. The majority of brokers will send you a quotation once you have submitted your form. You are able to compare the quotes to make sure that you get the cheapest and best deal available to you, and once you have made your decision you can complete the online application form.
Whichever option you choose, taking out a fully comprehensive Learner driver Insurance policy is almost always the best way forward. However if you already have another type of insurance group or another vehicle that you wish to cover, such as a van, for example, you may find that taking out a Full coverage or Add-On policy will give you a better premium for your needs. Of course, before taking out any of these options you should always check with your existing insurance group to see whether they would provide a better deal for your new driver policy.