Is your child setting the wheels in motion to get on the road this summer?
Here are a few important things they should know about young driver car insurance: If you’re new to driving car insurance can be tricky, but with the right help, it doesn’t have to be. At Hastings Insurance we are here to give you some great tips and make sure you don’t overpay for your first policy.
1) Start your driving lessons A.S.A.P
If you have completed all 12 of your Essential Driver Training lessons within the last 18 months we can access some great benefits on your behalf.
2) Get Named Driver Experience (if possible!)
Try and get insured as a named driver on your parent’s policy (or someone close to you with a full license). This will give you invaluable experience on the road and named-driver experience is sometimes taken by insurance companies as a form of no-claims bonus, this could help lower your premium when taking out your own policy.
3) Book Your Driving Test As Soon As You Can
If you want cheaper car insurance a full driving license will be a leap in the right direction. A driver with a full license and a no-claims bonus will have a lower premium than someone taking out a policy on a learner’s permit. Book it today!
4) What Insurance Cover Do You Need?
There are three main types of car insurance: third party (minimum required by law), third party, fire and theft, and fully comprehensive. When taking out your first-ever car insurance policy it’s important to identify the type of cover that best suits your needs. Look into policy types, how they work and what you’ll be covered for. Our advisors are on hand to talk you through every step and can explain all the fine print should you need some help.
5) Call Our Experienced Team
Nowadays it seems to be the less popular option but sometimes speaking with one of our qualified advisers and talking through your options can mean you secure every discount you’re entitled to.
6) Let Us Price Insurance For You Before Buying A Car
If you don’t have a car and are about to buy one, contact your local broker first and get a quote. Seeing how much a car will cost to insure before purchasing means you won’t be stuck with an uninsurable vehicle because the premium is too high.
Top tip for first-time car insurance: the smaller the engine size, the less you’ll pay for insurance. This can make a world of difference to your premium.
7) Security: insurance is all about the level of risk
Generally, the more security features your car has, the cheaper your insurance will be. An insurance company will be interested in any extra security feature that will help to prevent your car from being damaged or stolen. It may not reduce your premium by much, but it all adds up.
If you have any questions about Young Driver Car Insurance call Aishling today on 0818-911-222 or email quotes@hastings.ie.
