Congratulations! You’ve passed your test. You’ve saved up for the car, or maybe you’ve been given your mum or dad’s old runabout. It might not be the trendiest car out there but you know it works and you know it’s been looked after and well maintained. You might even have been in the car when that runaway shopping trolley collided with the bumper in the supermarket car park on that dark and rainy day many moons ago. There’s a history there you know and trust. Fair enough.
But no matter how hard you revised or how well you drove on your test, and whether or not you’ve already got your hands on a car, the one thing you need right now is insurance. We know you just want to get out there and enjoy your new-found independence but insurance needs to be taken care of because you can’t drive without it. Unless you’re planning on being the getaway driver at the next bank heist? Definitely not recommended. That kind of career move is best left to the movies.
And despite all the hours you put into driving and passing your theory test, your instructor probably didn’t teach you too much about insurance. It’s understandable. They’re driving instructors, not insurance experts. That’s where we come in. Figuring out what type of insurance you need doesn’t have to be rocket science but it can be a bit confusing to the uninitiated. Worse, if you rush into it you could easily end up paying much more than you should and a policy that isn’t reflective of your situation.
What you need is a quick-fire guide to the essentials. Something that explains:
- the types of insurance
- what an insurance group is and how it relates to your car
- how buying a modified car can influence the price you pay
- what to do if you have an accident, and…
- how installing a black box in the engine can save you money on your premium too
As luck would have it, we have just such a guide that covers all these things. It also explains what the mish mash of bizarre sounding terms like Excess, No-Claims Bonus (NCB), and Third Party Fire and Theft mean. With our guide to insurance for new drivers, you’ll be able to make a more informed decision and feel much more confident when buying your first policy.