There is so much to get to grips with as a young driver. You have just passed your driving test and you are immediately plunged in the world of car insurance brokers, car maintenance and the price of petrol, to name only a few. Now is the time to get as many free extras as possible from your insurers. Are they offering a free breakdown service? Yes? Then take it but make sure that there are no hidden costs. Always do your homework and be satisfied as to how much it’s going to cost you. Websites are usually a god pace to visit for your additional information. Here are some additional tips:
- If a breakdown service is offered to you as an inducement, accept it providing there are no extra costs. Sometimes there are hidden costs so ask lots ‘what if’ questions.
- Avoid driving large engine cars. At this stage, they can be quite expensive to insure and maintain.
- Drive a small car, under 1200cc, if you want to maintain low costs.
- There are many good deals out there, even though first-time drivers are bound to pay a higher premium.
- In most cases, having an agreed ceiling on the number of miles you drive a year, will gain you a discount. this will certainly make a difference to what you pay for young car insurance.
- If a break-down service is unable to fix your car on the roadside, they will tow your car away, but you may have to pay. Check the service policy.
- There are occasions when you may have to hire a car in order to get home. In which case you may have to take out temporary car insurance cover to allow you to drive the hire car.
- It’s worth checking whether your existing policy covers you to drive the hire car.
Finally, you may have a home call out facility with the breakdown service. This means that if you are at home and can’t start your car, they will attend your home and get your car started for you. A great service, especially in the winter.
Insurance for Dummies
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