UK Broker Awards

MyFirst are delighted to have been shortlisted for three UK Broker Awards! The shortlist includes the Marketing and Customer Engagement Award, Personal Lines Broker of the Year and George Abbott’s personal shortlist for Young Broker of the Year. This is such a fantastic achievement for the entire team and personal achievement for our non-standard broker and Director, George!

Marketing and Customer Engagement Award recognizes how an organization has raised brand awareness, broken into new markets, improved market share or enhanced customer loyalty, be that in the B2C or the B2B arenas. Personal Lines Broker of the Year is served to a broker which has managed to excel despite the on-going tough economic environment proving levels of growth and profitability. Finally, George Abbott has been shortlisted for Young Broker of the Year due to the significant development in his professional career as well as his contribution to MyFirst’s achievements. 

We are so proud of our entire team at MyFirst and the individual departments for these nominations! 

young driver car insurance

Young Driver Car Insurance- Your Questions Answered

Young car drivers and those learning are faced with staggering insurance costs compared to older drivers. If you fall into this category and are looking for insurance, you will have many questions. Well, we are here to answer those questions. So, read on to find out more.

Throughout this guide, we will be covering such things as:

  1. Levels of car insurance?
  2. How can I keep the cost of young driver car insurance down?
  3. Will insurance be cheaper through a broker?
  4. Advantages of specialist learner and young driver insurance;
  5. Can I make savings by installing a dash-cam?
  6. Why is young drivers insurance so expensive?
  7. Do I have to pay in full upfront for cover?
  8. Are some cars cheaper to insure?

So, let’s move on to answer some common questions, starting with what are the different levels of car insurance.

Q. What are the different levels of car insurance?

Whether you need young driver car insurance or learner driver cover, you will have to choose the level of protection required.

There is no getting away from the fact that due to your age you are going to pay more than insurance for older drivers with more experience.

The three different levels of insurance are:

  • Third-party only – protects the third party for damage to their car or property but doesn’t provide protection for your own vehicle;
  • Third-party, fire and theft – This provides protection for third party damage along with offering protection for your own vehicle for fire and theft;
  • Fully comprehensive – Provides full protection for your vehicle and third parties.

Q. How can I keep the cost of young driver car insurance down?

Of course, the biggest question on the lips of new and young drivers is how to keep the cost of young driver car insurance down to the minimum. We will answer that question right now.

1. Get your insurance from a broker specialising in your driver insurance

One of the best ways to get affordable and competitive quotes for young driver insurance is to get your insurance from a broker who specialises in young driver cover.

The experts at MyFirstUK do just that by considering your specific circumstances to find the best deal for you and ensure you get the correct policy for your needs.

As specialists in young driver, student and learner car insurance, you stand a better chance of getting the best deal.

2, Buy specialist learner and young driver car insurance

If you are under the age of 25, you will fall under the category of a younger driver. Unfortunately, this means the premiums will be much higher than if you have many years of experience driving.

Whether you are a young driver and just learning to drive or you have just passed your test, we can help you to find the perfect policy for the most competitive price.

MyFirstUK offers hybrid learner insurance. This is a specialist type of insurance aimed at younger drivers.

The trouble with young driver insurance is that you have to pay for a policy while you are learning how to drive and once you have passed your test that policy expires. You then have to pay out for a different policy. This means you pay twice.

A hybrid policy protects you while you are learning to drive and continues once you have passed your test. This means you don’t have to pay out twice for insurance and is a great money-saving solution.

3, Install a dash cam on your vehicle

It may be possible to keep the premiums down on car insurance by having a dash-cam fitted.

Insurance may be cheaper as having the dash cam will record as you drive. This means if you are involved in an accident and it wasn’t your fault, the camera will show what happened.

4, Boost the security of your car

The more secure your vehicle is the less chance of it being stolen. So, with this in mind install security measures such as a car alarm and an immobiliser.

Q. Why is young driver’s car insurance so expensive?

A. There may be many reasons why insurance providers place higher premiums on insurance for younger car drivers. However, one of the biggest is due to lack of experience. Lack of driving experience puts younger drivers in a higher risk category for having accidents and claiming on their insurance.

Q. Can I pay monthly for insurance?

A. You don’t have to pay in full for your car insurance upfront. We offer flexible payment options. These include an initial deposit and low monthly fees. A payment scheme may make young driver car insurance more affordable.

Q. Are some cars cheaper to insure than others are?

A. It is always worth considering the type of car as yes some vehicles fall into higher categories for insurance than others. Cars are put into insurance bands with vehicles with smaller engines falling under cheaper bands than those with engines more powerful.

Therefore, with this in mind choosing to buy a used Ford Focus is going to be cheaper to insure for younger drivers than purchasing a brand new Audi.

Q. Is there a way to build up my no-claims bonus fast?

A. There is no way you can build up your no-claims bonus fast, it takes time and of course, you will not have been driving for many years if you are a young driver. However, if you are learning how to drive and have a hybrid policy you can start to build up your no-claims from day one.

Purchase young driver car insurance today

Here at MyFirstUK, we specialise in finding young driver car insurance along with learners insurance.

While there is no denying that insurance for first-time drivers will be more expensive than if you have many years of experience on the road, we can get you the most competitive quotes.

We can compare the best deals available for your needs whether you want fully comprehensive or third party only, learners or young drivers insurance. Give us a call on 0333 305 5116 or get your quote by filling in our quick online form today.

Disqualified driver

A Guide To Car Insurance For Previously Disqualified Drivers

If you have a conviction behind you, whether driving or criminal, finding car insurance may become extremely difficult and in some cases, impossible. Therefore, with this in mind, we have come up with a guide to obtaining car insurance if you have been disqualified or convicted.

MyfirstUK offers competitive car insurance quotes for drivers previously disqualified due to such as:

  • Failing to report or stop following an incident;
  • Driving without insurance;
  • Speeding;
  • Un-spent non-motoring convictions;
  • Drink driving;
  • Driving while under the influence of drugs;
  • Dangerous driving;
  • Traffic light offences;
  • Any criminal conviction.

Of course, the above are just a few of the most common reasons why drivers get their licence endorsed. You may even have issues obtaining insurance if your conviction wasn’t even related to driving and which had no bearing on driving. However, we can help you to obtain cover for any reason.

How convictions affect car insurance

Different convictions or bans affect car insurance differently, so here are some of the most common ones and how you can expect it to affect your driving insurance and premiums.

Insurance is affected differently depending on whether you were disqualified from driving or you were convicted.

You don’t have to tell the insurance provider about criminal convictions if they are what are called “spent”. This happens after a certain amount of time, such as the length of a prison sentence or a ban.

It is important to remember you should not hide the fact that you have had a conviction to try to get cheaper car insurance. By not declaring a conviction, it invalidates any policy you take out if found out.

Drink driving or driving under the influence of drugs

One of the most serious convictions is drinking and driving. If you are convicted for driving whilst under the influence of alcohol you can expect premiums to rise significantly, that’s if you can even get insurance.

Insurance providers see drink driving as a serious offence due to the possibility of damage to your vehicle and others, along with injuries to yourself and others, or even death. This means you can expect your premium to double or insurance providers will decline to offer you insurance altogether.

When applying for insurance it can be tempting not to declare a drink driving or drugs conviction. However, you do have to do so for five years. This will depend on the particular insurance company.

However, if the drink driving conviction or drug driving conviction resulted in death by dangerous driving you can expect the conviction to remain on your driving license for as long as 11 years.

Driving ban

If you received a disqualification from driving as you received 12 or more points on your driving licence due to speeding or another reason, you can expect insurance costs to rise dramatically.

Penalty points

Even if you don’t get banned but have points on your licence, you can struggle to get competitive car insurance quotes. The amount of points and how much you can expect your insurance to rise is going to depend on the offence and its seriousness. The more points, the more insurance is going to cost.

Common questions answered

Now let us answer some of the most commonly asked questions concerning car insurance if you have a conviction.

Q. Do I need to inform my insurance provider if disqualified?

A. Yes, you do have to tell your insurance provider and you need to tell them as soon as possible. If disqualified you no longer hold a driving license you will be in breach of the contract you signed with the provider. Remember, if you continue driving your car without a license you are driving illegally.

Q. Why is it difficult to obtain car insurance for previously disqualified drivers?

A. You may struggle to find a car insurance provider who will offer you insurance if previously disqualified and be wondering why. Well, the easiest answer is that they do not want to take a risk on you.

Disqualifications and/or convictions only occur if you have done something wrong, such as speeding. The provider will see this in poor light and see you as a big risk. Even if they are willing to offer insurance, the premiums could be astronomical.

Not to worry as MyfirstUK specialises in finding cover for drivers who have had convictions, for the most comprehensive quote possible.

Q. Is there a special type of insurance for disqualified drivers?

A. There is no specific type of car insurance aimed specifically at drivers with convictions. You can apply for third-party only, third party fire and theft or fully comprehensive.

Generally, the cheapest insurance is third party only. However, this only provides protection for the third party. Third-party fire and theft offers protection for the third party along with fire and theft for your own vehicle. As the name suggests fully comprehensive offers the most protection for other drivers and your own vehicle.

Q. Do I need insurance if I am temporarily banned?

A. If you are banned temporarily and not using your vehicle, you might wonder if you need insurance, after all, you will not be driving.

However, if it is parked on the road you will still need to tax and insure it, if only for third-party insurance. The only exception to this is if you apply for statutory off-road notice. SORN allows you to declare that your vehicle is off the road and it costs nothing to do this.

You can only apply for this if your vehicle is going to remain off-road in a garage, on a driveway way or on private land. Of course, if you do have a statutory off-road notice, while you don’t have to pay for insurance, the vehicle is not protected in the event it is stolen or set on fire.

Ways to keep down your insurance premiums

Even if you are given a quote for insurance following disqualification, you can expect that quote to be higher than for someone without a conviction. Of course, to drive legally on the roads you do need insurance. Even if you are not going to be driving your vehicle for a while, insurance and tax is still needed by way of third-party if leaving the vehicle on the road.

Disqualifications or convictions do lead to problems and typically, additional expense for cover, but there are some things you can do to help bring down the quote.

Give some thought to the car you buy

If you are purchasing a new or used vehicle to get back on the road again following a ban, you should give some thought to the type of vehicle.

Vehicles are put into insurance groups. The smaller the engine of the car, the lower the insurance group and the cheaper the insurance quote.

With the above in mind, some of the cheapest vehicles to insure include the Ford Fiesta, Volkswagen Polo and Hyundai i10. On the other end of the scale, some of the most expensive ones include Ferrari, Mercedes and Porsche. You will find it almost impossible to obtain affordable car insurance for any of the powerful vehicles if you have had a conviction. Even someone without bans or convictions can expect the insurance costs to be high for vehicles in the top insurance brackets.

Offer to pay a higher excess

All car insurance comes with excess. This is the amount of money that you are willing to pay towards the total cost of any claim that you make.

For instance, if you offer to pay £500 in excess and you make a claim to repair your vehicle which costs £1, 500, you pay the £500 and the insurance company pays £1,000.

The more excess you are willing to pay the cheaper the cost of the premium. However, you do have to bear in mind that you have to find the excess out of your own pocket in the event you make a claim.

Rehabilitation courses

There are special courses you can take if you are a convicted driver to help reduce the cost of premiums.

These courses include such as drink driving rehabilitation or speed awareness. While you have to pay to take such courses, the amount saved in the long term will outweigh the cost of the course.

In some cases, if you have been accused of a driving offence the local police might provide you with the chance to improve awareness of driving through the NDORS, National Driving Offender Retraining Scheme. The police, and many insurance providers, see someone who has taken the course and passed as being rehabilitated. This means you don’t get penalty points.

If this is an option open to you there is no need for you to tell the insurance provider about attending the course and nor will the information be disclosed to anyone by NDORS.

Install a dash cam

You can install a dash cam in the vehicle and leave it running whilst driving. Dash cams will capture footage of any incident that might occur when out on the road.

For instance, if you are involved in a collision that was caused by someone else, the dash cam will record exactly what occurred, which you can show the police and/or your insurance provider.

Do not re-offend

It goes without saying, but we are going to mention it anyway, do not re-offend. Depending on the conviction, it could lead to you actually receiving a prison sentence and having your policy cancelled and it will make it even more difficult to get car insurance in the future.

The fewer miles you drive the cheaper the insurance

The fewer miles you drive in your vehicle the lower the risk of being involved in an accident. With the risk lowered, the cost of insurance generally lowers. Therefore, you might want to give some thought to mention this when applying for cover.

Black box and car security

Installing telematics in your vehicle, aka a black box, can help to reduce your car insurance premiums. The black box records your driving abilities, such as speed, which helps to determine how big a risk you are, which in turn helps to calculate how much your insurance costs.

Installing additional security in the car and taking care of your vehicle will also go towards reducing the cost of car insurance.

Security you can install in the vehicle includes a car alarm, an immobiliser, steering wheel lock and parking the vehicle in a garage or a car-port away from the road.

Younger disqualified drivers

If you happen to be a younger driver, generally classed as such under the age of 21, and you have a conviction, obtaining car insurance may become almost impossible or unaffordable.

Younger drivers generally have to pay more for insurance than older drivers do to start with. This is due to them having less experience on the road and being seen as taking more risks than older and more experienced drivers take. Add in a conviction and the premiums may become extortionate.

Again, MyfirstUK, specialise in obtaining competitive quotes for younger drivers, with or without disqualifications or convictions.

Reasons to choose MyfirstUK for a quote

Here at MyfirstUK, we understand how difficult it can be to get approval from an insurance provider for car insurance. We also know that even if a provider is willing to take you on, the quote may be way outside of your financial budget.

We can help you to find the cheapest quote possible based on your circumstances regardless of your driving conviction. We also provide you with a huge list of driving conviction codes that you can check for peace of mind before asking for a quote.

There are many ways you can contact us. You can give us a call on 0333 305 5116 and speak to one of our advisors. Alternatively, you can click on the live chat option at the bottom of our webpage to live chat with us. Finally, you can use the Contact Us page to leave your details via our form and one of our specialists will get back to you to talk about your car insurance details.

cancelled car insurance

Your Guide to Cancelled Car Insurance

 If you have had your car insurance policy cancelled, you will no doubt be struggling to obtain another policy. Even if you believe it wasn’t your fault your policy was cancelled you will still be left struggling to re-insure your vehicle. Even if you do manage to find a company willing to offer cover, they will probably offer it at a very high price. This means you don’t have the luxury of comparing quotes. However, not all is as bad as it may seem as we are going to provide you with a guide to cancelled car insurance and explain everything you need to know to obtain the best deal possible for your circumstances. 

Different types of policy cancellation 

Before we go any deeper into our guide to cancelled car insurance, we want to make the different types of policy cancellation clear. 

There are two types of car insurance cancellation. The first is when you the driver of the vehicle cancel the insurance. The second is when the insurance provider cancels it and this is the type that causes you problems. 

You might wish to cancel car insurance yourself for numerous reasons. Perhaps you no longer drive the car, you cannot afford the premium and wish to find cheaper insurance or you have purchased a new vehicle and need a different policy. In this instance, future car insurance will not be affected and you will not have any trouble obtaining a different policy. 

Of course, if you cancel your insurance policy you might have to pay a fee, but on a more positive note, you should receive a refund for the unused part of insurance if you paid for cover upfront. 

So, essentially, you will only run into difficulty in regards to obtaining car insurance if the provider cancels your cover. When the insurance provider cancels your insurance policy it doesn’t look good on you, whether you actually did something or not to contribute towards that cancellation. You will also lose any money you have paid for the insurance policy if it is cancelled by the provider. 

Common reasons for cancelled car insurance 

Insurance companies can cancel your current policy and decline to offer you another policy for your car for numerous reasons. This also applies to any other provider you try to obtain a quote from if they ask if you have had a policy cancelled in the past. 

Car insurance can be cancelled by providers for the following reasons. 

  • • You failed to disclose some information when taking out the insurance and the provider found out; 
  • • You didn’t tell the insurance provider the entire truth or swayed it in your favour. For instance, you may have failed to tell the provider about any modifications made to the vehicle or you had previous convictions you failed to report; 
  • • You failed to supply documents that the insurance provider had asked for; 
  • • There might have been a mix-up with the paperwork associated with the policy going through. For instance, the provider might not have received it back after you signed, it got lost in the post; 
  • • You might have had a change in your circumstances and told the provider of the insurance which has led them to cancel the policy; 
  • • You might not have fully understood the terms of insurance and the insurance provider or you now realise this and found the policy is not suitable for your needs; 
  • • You failed to comply with something required by the insurance provider. For instance, they might have asked you have a black box installed in your vehicle and you failed to do so; 
  • • You might have set up a direct debit to pay your insurance but the payment failed. Even if the error was genuine, maybe even the fault of the bank, your provider may cancel your policy. 

The above are just a few of the many reasons why a policy might be cancelled, leaving you struggling to obtain a new car insurance policy with any other provider. 

Where you stand if insurance is cancelled 

Of course, whatever the reason for the cancellation, your fault or not, it leaves you in a precarious position. If you continue driving on the road without insurance, you are doing so illegally and will be fined if caught. You can be fined £300 for driving without insurance, plus you get six points recorded on your driving licence. 

You can even fall foul of the law even if you are not driving an uninsured vehicle that is parked, thanks to a law called Continuous Insurance Enforcement aka CIE. 

CIE came into force in 2011 to help to deal with the large number of drivers that were driving on the roads without insurance. Under the ruling, your registered vehicle has to be insured even when it is only parked, even on private land. In other words, your vehicle has to be insured at all times. 

If the registered keeper doesn’t have insurance for their car and you are found out, you receive an advisory letter in the first instance. This is followed by a penalty of £100, your vehicle may be seized and you could possibly be looking at a court appearance. 

Therefore, it is essential to obtain new car insurance as soon as possible following the cancellation of your policy. 

Cancelled car insurance vs a policy that is voided 

A cancelled policy should not be confused with a policy that has been voided by the insurance company. The two are very different and to some extent have a different effect on how easy it will be to get quotes and purchase cover in the future. 

Insurance companies may void your insurance policy if the policy wasn’t valid when you took it out. For instance, you made a mistake when filling in the online form and your address wasn’t correct, or your job title or claims record. 

Cancellation of the policy on the other hand is different. For instance, you might have made modifications to the vehicle and didn’t tell the provider about them or you changed your job and failed to update the provider with your new details. 

If the policy is cancelled by the provider, for any reason, you will definitely have trouble in the future obtaining a new policy, whereas if it was voided you only might have issues in the future. 

Why it’s so difficult to find car insurance if yours has been cancelled 

You will find it difficult to obtain car insurance with any insurance provider if your previous policy was cancelled, whether you were at fault or not. There is no getting around this unless you can successfully argue your case and get the cancellation overturned. Insurance providers tend typically to distrust you, even if the action that led to the cancellation was innocent enough or was beyond your control. 

For example, when taking out the policy you might have set it up with the provider to pay the insurance monthly through a direct debit. However, there might have been a mistake at your works office and your wages might not have been paid on time into the bank. With many living from wage-to-wage, your direct debit might have failed and the insurance provider cancelled the policy. So, due to circumstances beyond your control, your insurance was cancelled and you have now been penalised. 

In this instance, you are being ostracised as the majority of insurance providers refuse to provide you with a quote. Alternatively, you might be offered a quote but because the system flags you as a high risk due to your previous cancellation, the quote reflects this. Suddenly you might find you have to pay a great deal more for the equivalent cover that you had before the cancellation. 

We understand the panic and difficulty you are faced with if you have had a policy cancelled, but whatever the reason for that cancellation we can help. So, give us a call and speak with one of our trained advisors. Explain your personal circumstances and we will help you to obtain a new policy for the best possible quote. 

The importance of transparency when applying for insurance 

It is important when applying for car insurance that you are absolutely truthful. It can be tempting to tell what you think is a small white lie to try to keep the quote down; however, it is never worth it when faced with cancellation or the policy being voided if the provider finds out. 

The only way to avoid the worry of cancellations in the future is honesty. A single cancellation is bad enough; it would be devastating to receive another. 

How insurance providers know your car insurance was cancelled 

It is not difficult for insurance providers to find out that you have had a car insurance policy that was cancelled. This is because there are no time restraints as there are with the provider asking if you have spent convictions and such. 

You could have had your car insurance cancelled many years previously and you have to disclose this fact if asked. While we ask this question, it doesn’t automatically mean that you will be refused car insurance this time. We take individual circumstances into consideration to find the most suitable quote for your specific needs. 

How to obtain affordable insurance if your policy has been cancelled 

Here at MyfirstUK insurance, we understand the difficulties that can arise when dealing with cancelled policy insurance and obtaining new cover. We help you to find 

the most suitable insurance for the best rate for your circumstances, whatever the reason for the cancellation. 

You don’t have to search the internet or phone around different insurance providers only to find you are turned down or the quotes are out of your price league just because your previous policy was cancelled. 

Put your policy in our hands 

Instead, put your policy in our hands and allow us to match you with a policy. We will help you find you the best insurance deal possible. This is because, among other things, we specialise in cancelled car insurance, whether it has been refused, voided or declined. 

All you have to do is head to our Get a Quote page for cancelled policy insurance to obtain a quote and it is easy to apply, taking just minutes. 

Give us a few details about your circumstances 

We ask that you provide us with your details, including your full name, address, telephone number and date of birth, along with other information relevant to your policy. 

As mentioned before it is important to answer all questions honestly, as this is one of the reasons your policy can be cancelled. So, tell us if you have had your car insurance cancelled in the past along with any accidents or prior claims. 

We find you the best possible quote for your circumstances 

We will also ask you questions about your vehicle and any additional driver and then provide you with the best quote possible based on your circumstances. 

In summary 

Cancelled car insurance can happen for numerous reasons, some of which you may bring on yourself and some which might have been out of your hands. 

Whatever reason for the cancellation it is essential to obtain car insurance as soon as possible. Remember, you still require cover whether you are driving the vehicle or you have it parked on your driveway. 

We can help you to find a new policy whether your insurance company cancelled it or the policy was voided. Whatever the reason you are without insurance we can help you to find the best deal possible. 

All you have to do is fill in our online form and leave your details to receive your quote. Alternatively, you can give us a call on 0333 305 5116 to talk to one of our specialist team about your specific insurance needs. 

learner driver insurance

Everything You Need to Know When Looking For Cheap Learner Insurance

 So, you are learning how to drive and you really need to get your hands on cheap learner driver insurance. Learning how to drive is fun but stressful and the last thing you want to be having to think about and do is look for affordable cover. Luckily, you don’t have to as we are here to help you secure the best possible learners insurance for the best possible price. We are also going to help you as much as possible by providing you with everything you need to know before taking out insurance. 

Finding affordable car insurance when under the age of 20 can be a nightmare. The younger you are the bigger risk insurance providers see you. This is generally because you have no experience on the road and you are seen to take bigger risks than older and more experienced drivers might. There is no getting away from the fact you will pay higher premiums than someone will over the age of 25. However, there are some things you can take into account to help keep quotes down and to ensure you obtain the best cheap learner driver insurance for your specific needs. 

Which type of car insurance do you need? 

Ensuring you have the correct type of car insurance is essential to learn how to drive legally on the road and it will also go towards determining the quote. 

Finding the perfect level of car insurance when learning how to drive is not easy. If you don’t have adequate cover you could find yourself on the bad side of the law and in a financial mess in the event you cause a collision. On the other hand, you don’t want to pay out for insurance that you don’t need or which doesn’t provide adequate protection, so there is certainly a great deal to consider when looking for a policy. 

You probably already know there are three types of traditional car insurance. These are: 

  • • Fully comprehensive – provides protection for your own/family/friends vehicle in the event of an accident and more. It goes without saying that this is the most costly insurance as it covers just about everything you could want; 
  • • Third-party fire and theft – this provides protection for the third party in the event you cause a collision but does not cover your own vehicle or that of a member of the family or friend. It does, however, cover damage or loss from fire and theft for your vehicle; 
  • • Third-party only – this is the least amount of car insurance required to drive legally on the road but only covers the third party. This is the cheapest type of insurance that you can have to drive legally on the road, but it does not provide protection for your vehicle or that of family or friends if you are learning in their vehicle. 

When considering learner insurance there are special types to take into account aimed specifically with learner drivers in mind. 

Hybrid learner driver insurance or short-term 

Hybrid car insurance is a specific type of insurance policy for learner drivers. This is one of the most popular types of cover we sell to learners. One of the best things 

about the policy is that the quote you are given is what you pay despite the fact that the policy covers you whilst learning and once you have passed your test. There is no need to switch to a separate policy as we do that on your behalf once you have informed us. 

Short-term car insurance for learner drivers is not as clear cut as a hybrid policy. This type of insurance covers a period of anything from just a few weeks to a few months or longer. The downside to it is once you pass your test the policy ends and you then have to look for and pay out for another car insurance policy. 

Learn in your own car or your parent’s 

You might take extra lessons in your parent’s car or you could decide to buy your own vehicle. 

If you do decide to buy your own car to learn to drive in, with someone who holds a full driving license sat at the side of you, there are some things to consider. 

Firstly, you might want to give us a call and tell us about the make and model of car you are considering buying. We suggest this as different makes and models fall under different insurance categories. You don’t want to purchase a car only to get an insurance quote for it and get a huge shock when you find how much it costs to insure. 

Allow us to find cheap learner driver insurance for you 

Here at My First UK, we specialise in finding young drivers the best possible deals when looking for cheap learner insurance. 

We understand how difficult it can be at just 17-years old to get behind the wheel without it costing a small fortune. You have enough to worry about when learning without the additional worry of how you will be able to afford insurance. 

Put your insurance in our hands and we will find you the most competitive deal based on your individual requirements and you can concentrate on your lessons and passing. 

Why is learner insurance different from regular insurance? 

Learner driver insurance is a product that is designed specifically for people who are learning how to drive and who hold a provisional licence. A policy is designed to meet the requirements of younger drivers specifically. 

A learner’s policy will provide all the cover required for you to drive legally on the road when learning while you are driving someone else’s vehicle, or even your own. Generally, anyone can sit at the side of you while you learn providing they hold a full driving license and are over the age of 25-years. 

Why consider a hybrid car insurance policy 

We understand how costly learner car insurance can be, more so if you pay upfront for short-term learner’s insurance for a full year and then go onto pass your test within months. 

This is because the short-term learner’s policy is no good once you have passed the test, as such it might mean you have paid out for many months of cover that you now cannot use. With this type of insurance once you have passed you will need a different type of cover. 

With this in mind, you might want to consider a hybrid policy. This provides you with the best of both worlds, the correct level of insurance while you are learning and it then continues after you pass. 

With the hybrid learner’s insurance policy, you will know upfront how much you will pay for cover. The policy provides protection whilst you are learning to drive and once you have passed your test a simple phone call will get your policy changed, without it costing you anything else. Therefore, the quote you are given at the time of purchase is what you pay. 

By taking out hybrid learners insurance, you can start building up that valuable no claims bonus from the start. No claims bonus is a bonus given to drivers who do not make a claim on their insurance in the year previous and leads to big savings on insurance quotes. The longer you go without making a claim the bigger the discount and with hybrid insurance, this starts from the time of taking out cover. 

Do I need to pay for learners insurance? 

Whether you will need to take out learners driving insurance will depend on your circumstances. 

If you are solely taking driving lessons with a professional driving instructor you will probably be covered for driving while taking lessons with the school or instructor. However, always check this to be on the safe side. 

If you are having lessons with a member of the family or a friend you can cut down on the number of lessons you need to pay out for but you will have to pay for learners insurance to cover you whilst practising. Bear in mind that car insurance is a legal requirement. Drive without it and you can be fined and gain points on your driving license before you even pass your test. 

The number of lessons and practice you need to take before going for your driving test will vary. However, the DVSA have given a rough guide. 

It states that learners require about 45 hours of tuition with a professional instructor along with around 22 hours of practice with friends or family before they are ready for taking the test. 

Practising makes perfect of course and the more you practice the more experience you have. 

Benefits of driving insurance for learners 

As it is a specialist type of car insurance aimed at those taking lessons, a policy provides cover for everything typical car insurance does and more. 

The benefits of the policy include: 

  • • It allows you to practice outside of your lessons saving you money while gaining experience on the road; 
  • • The policy generally includes accident protection, theft of the vehicle and may cover belongings; 
  • • A policy may allow you to start building up no-claims bonus and protects that of other drivers should you be involved in an accident; 
  • • With hybrid insurance you know exactly how much the insurance policy costs and the policy is switched over once you have passed your test, which means you don’t have to worry about looking for and paying for a different policy. 

Things to consider when looking for cheap learner driver insurance 

Here are some things you need to consider when looking to take out insurance when learning how to drive. 

  • • Fully comprehensive car insurance provides the most protection whether you are learning how to drive in your own vehicle or parents/friends; 
  • • Short-term learner car insurance can be taken out for anything from 28 days up to 12 months but if you pass during this time the policy is cancelled and you have to take out a different policy; 
  • • Check that the policy you take out includes protection for your parents or friends car if you are taking additional driving lessons in their car with them sat by your side; 
  • • Allow us, specialists in learners and new drivers insurance to find the most affordable policy based on your specific requirements; 
  • • Check quotes for paying monthly, instead of annually, for your insurance if you are on a tight budget; 
  • • Bear in mind that while you will want to get the most affordable insurance when learning to drive you do need insurance that specifically covers you as a learner driver. It is no good jumping on the cheapest quote only to find it is inadequate. So, when checking the price also read what is included in the policy. 

How to obtain a quote for learner driver insurance 

Obtaining a quote online for your learner driver insurance is extremely easy. 

All you have to do is use our online form. Simply provide us with your personal details, answer a few basic questions, tell us about your vehicle and any additional drivers and we find you the best deals. 

We not only help you to find cheap learner driver insurance but also a policy that suits your specific requirements. There are different types of insurance suitable for when you are learning how to drive, including the short term and the hybrid policy. 

The short term policy can work out more expensive as once you pass your test you will not be covered and you will have to purchase a separate policy. It also does not allow you to build up your no claims bonus. 

The hybrid on the other hand allows you to build up your no claims bonus, plus it provides protection while you are learning to drive and then continues once you have passed your test, giving you the best of both. You also know upfront how much the insurance is going to cost and it is the only policy you will need, as we will automatically change it over for you once you pass your test, at no extra charge. 

young driver insurance

Choosing Your First Car Insurance: Everything You Need to Know

Getting out onto the road in your first car is exciting. However, at the same time, it is also expensive. Insuring your first car is notoriously costly due to lack of experience and age, with most first-timers being under the age of 25. Here we are going to take you through choosing your first car insurance and keeping the premiums down as much as possible.

One of the first things you will want to know is whether you fall under the category of young driver insurance.

Technically speaking you are considered a young driver or first time driver if you are under age 25. Of course, you might have decided to take your driving test at an older age. You might be 40+ and only just starting out taking lessons with the hope of passing. In this case, while you are not classified as being a young driver, you might still benefit from an insurance company specialising in first-time car insurance, as you do not have any experience.  

Why is insurance so high for younger drivers?

You might be wondering why it is so expensive to insure your first car. This is a good question and we will try to answer it here.

On average, car insurance for a twenty-year-old will cost twice as much as for a 40-year-old, which is a huge increase

The younger the driver the higher the risk

When insurance companies give quotes for car insurance one of the biggest factors is risk. This is the risk you, as a driver, pose when on the road.

As a driver with not much experience, insurance companies see you as being a higher risk than someone who has many years of driving experience.

Younger drivers are often seen to take more risks while driving. This applies to such as speeding, overtaking, drink driving or using drugs when driving. The THINK campaign run by the government revealed that 7% of 18 to 24-year olds believe there is nothing wrong with having a drink and then driving. This is compared to only 1% of people aged 55 to 64. (

Insurers, therefore, believe there is more chance of you having an accident. This conclusion is reached based on statistics. Around 25% of claims come from drivers that are under the age of 25. Basing everyone on past statistics is unfair, but sadly it is the truth of the matter and it is how insurance underwriters work.

So, there is no getting away from the fact that if you are a younger or new driver you will have to pay higher premiums for car insurance than someone over the age of 30.

However, there are some things to consider that may help you to obtain the lowest possible first car insurance quote, so let us check them out.

The different types of car insurance

Car insurance for young or new drivers falls under different categories. For instance, you can get learner insurance for if you are taking extra practice outside lessons with a driving instructor. However, when you pass your test you will have to pay for different insurance. This means you may have to pay twice in the same year for your insurance, which is unfair.

Therefore we offer hybrid learner insurance. This type of insurance policy is not offered by many insurance providers, we are one of the few that do.

What is hybrid learner insurance?

With hybrid learner insurance, you have cover when you are on a provisional licence and you are learning to drive. The same policy also covers you once you have passed your test with no extra premium to pay. Therefore, you do not have to take out two different policies, which will help you to save money as you pay for just one policy instead of two.

Therefore, a hybrid learner insurance policy is something to consider when taking insurance for a provisional licence and starting out on your quest to become a qualified driver.

Short term learner insurance

Another type of insurance we offer is short-term learner insurance as a choice for first car insurance for younger drivers.

This may be a good choice if you have had plenty of lessons from a qualified driving instructor and believe you just need a little more practice outside of your driving lessons.

This allows you to get as much experience driving as possible in the short term. Of course, once you pass your test you would be required to take out another insurance policy which will cover you as a qualified new driver.

Three main choices for insurance

Your next choice is choosing between the three main types of car insurance and these are:

  • Third-party only – the policy only covers damage that you cause to other people, property or their vehicle and does not provide cover for your vehicle
  • Third-party fire and theft – This type of policy provides cover for the third party and damage to property and their vehicle along with offering cover for your vehicle in the event it is stolen or damaged due to a fire
  • Fully comprehensive – This type of insurance provides cover for third party, theft, fire and damage to your vehicle in an accident.

Our advisors can discuss your insurance needs with you to help you find the correct policy for your needs.

Third-party only car insurance is the least amount of cover you can have in the UK to drive on the road legally. As it provides the least amount of protection and none for your vehicle, you might think it is the cheapest. However, you might be surprised to find this is not necessarily the case. Therefore, it is worth checking out fully comprehensive cover. Bear in mind that this could be worth taking out if you would struggle to replace your own vehicle if it is written off in an accident.

Insurance quotes are based on numerous factors

There is no one quote fits all for all young or first-time car insurance. Providers will need to consider many factors before giving you a quote based on your information. These include:

  • Age;
  • Gender;
  • The job you do;
  • How long you have been driving;
  • The amount of excess you are willing to pay;
  • The model of the vehicle and make;
  • Any named drivers on the policy;
  • Where you park the vehicle;
  • The postcode of the area in which you live (some areas are considered higher risk than others are).

Add-ons could boost up insurance premiums

If you are taking out comprehensive car insurance, you may believe that it covers all aspects of your driving. However, this is not necessarily the case.

If you want breakdown cover to get your vehicle towed in the event of an accident that leaves your vehicle damaged, this would be an extra that you would have to add-on. This of course would boost up the insurance premiums. The same thing generally applies if you would need a courtesy car while your own vehicle was repaired or if the windscreen of the vehicle was damaged.

Always check what is included and what is not in the quote for car insurance.

Things to consider before purchasing your first car

You can affect how much car insurance may cost even before purchasing your first vehicle. Here are some of the things you might want to take into account.

The engine size of the vehicle

The size of the engine in the vehicle will reflect on the quote for your car insurance.

This is in fact one of the biggest influencers and the bigger the size of the engine the more powerful the vehicle and the more expensive it will be to insure.

Again, risk comes into play here. The more powerful the car the bigger risk there is for an inexperienced driver and the more likely you are to be involved in an accident.

The make of the vehicle

The make of the vehicle can even affect how much you have to pay for car insurance. Different makes of vehicles fall under different categories.

Some carmakers are classed as being among the luxurious, for instance:

  • BMW;
  • Porsche;
  • Mercedes;
  • Tesla;
  • Maserati.

These vehicles are all on the list of being high to insure. This is generally because repairs are more expensive if the car is involved in an accident, they are higher performance and the vehicle costs more to purchase.

Even buying a good quality used vehicle from these car makers will see the insurance premiums jump higher than for a simple Ford or Kia.

Vehicles classed in the cheaper to insure range for younger and first-time drivers include:

  • Seat;
  • Renault;
  • Skoda;
  • Suzuki;
  • Kia;
  • Dacia.

Security features of the vehicle

How secure the vehicle is will reflect in the cost of insurance.

If you purchase a vehicle with such as automatic braking, car alarm, immobiliser and other security measures, it can help to keep down the cost of your insurance premiums as the vehicle is seen to be at lower risk of being stolen.

Where you park your vehicle overnight can also affect how much you pay for your insurance as it affects safety.

For instance, if you park the car in a garage overnight instead of leaving it by the side of the road it may shave some of the cost of your insurance. This is because there is less risk of it being damaged by passing vehicles or vandalised and less chance of it being stolen.

Tips to cut down car insurance costs

Now we have covered some of the many things you might want to take into account when purchasing your first car, let us look at some tips to help you further keep down the costs.

  • Specialist insurance providers such as us, specialise in offering first car insurance for new drivers and learner drivers. This can help you to find the perfect insurance for the right price. As mentioned before you can make big savings with a single hybrid learner insurance policy, which also covers you when you pass your test.
  • By proving you can drive safely and not getting points on your new license when you come to renew your insurance your premiums should drop down, plus you are another year older;
  • There is always a certain amount of excess to pay if you have to make a claim on your insurance. This is the sum of money paid by you towards the claim. For instance, if you have comprehensive insurance and your car were to become damaged and it costs £600 to repair and the excess is £150, you have to pay this amount and the insurance company pays the rest. You might be able to pay more excess to lower the insurance premiums. However, keep in mind you pay the excess out of your own pocket;
  • You might have the option to pay for your insurance monthly or yearly. However, it may work out cheaper to pay upfront in one go rather than spread the cost over 12 months;
  • You might be able to get a cheaper quote for car insurance if you take an advanced driving course and pass it. By doing so it proves you are responsible and a good driver;
  • Always tell the truth when applying for car insurance. While it might be tempting to tell a white lie if you think it will lower your premiums, if you have an accident and make a claim and the insurance company finds out, it will not pay out;
  • If you have an additional driver added to the insurance, it might help to keep down the costs of coverage. Your parents are a good choice, providing they have a good driving record and no claims bonus.

Obtain your first car insurance with our help

At MyFirstUK, we specialise in finding young and first time car drivers the most suitable and affordable insurance. We have specialists who realise how expensive insurance can be for first-time drivers and who will work with you to find the right policy for your needs.

Applying for insurance for first-time drivers is easy. All you have to do is fill in your details online and provide us with information about your vehicle and any additional driver.

Alternatively, you can give us a call to speak to one of our expert advisors and obtain your quote. There is no obligation and we can help you to find the best cover for the best price whether you are still learning or have passed your test and are ready to go out on the road alone.

cheap car insurance

4 Tips to Get Cheaper Young Person Car Insurance

Young people who want to get behind the wheel of their first car find it extremely expensive. We are not talking about the cost of that first car, which is often a used car, but the insurance cost. New drivers face hefty insurance fees, even if it is only third party cover. To help you keep the cost down we have some tips to help you get cheaper young person car insurance so check them out.

Why is car insurance more costly for younger drivers?

Car insurance is generally pricier for young drivers as they are new on the road and have less experience. Due to this, insurance companies say they tend to be involved in more accidents.

Right or wrong insurance companies believe that younger drivers take more risks than older people do. This applies to driving faster, showing off, and the younger generation is more likely to have a drink and drive or take drugs and drive. This, of course, poses a bigger risk to the insurance provider and this is reflected in the quote for cover.

  • Insurance providers report that 25% of accidents involve young people less than 25 years of age.
  • On average, a 20-year-old driver pays over £200 more than a person in their 30s.

How to get the best insurance quote

While there is no getting away from the fact that you will pay more for your car insurance if you are under the age of 25 there are some things you might consider to help keep costs down.

1.     Third-party insurance may not be the cheapest option

Insurance is offered in third party only, third party fire and theft and fully comprehensive.

Third-party insurance is the least insurance to drive legally on the road. It does not provide any financial gain for you, but it covers other drivers involved in an accident that is deemed your fault. Therefore, you would think it is the cheapest option.

However, you would be wrong. Often insurance companies believe that people who choose third party only are more of a risk than those who have fully comprehensive insurance. Therefore, always check quotes for all levels of cover.

2.     Consider the model of the car you purchase

One surprising factor that can boost not only young person car insurance but also the cost of insurance for anyone is the model of vehicle you drive.

Insurance companies put cars into categories. For instance, the performance of the vehicle. The higher the performance of the vehicle the more it costs to insure the car.

As a rule of thumb, the flashier the vehicles, the higher the insurance, as high-performance cars, even second-hand ones, are more of a target to thieves.

Therefore, avoid cars with powerful engines, body kits and such as spoilers.

The safety features of the car usually affect the cost of insurance. The more safety features it has the less the risk, for instance, automatic braking and a car alarm.

3.     Don’t leave it to the last moment to buy car insurance

Never leave it until the last minute to purchase car insurance. This may not be applicable when you buy your first car but it should apply when renewing your insurance.

You might be surprised how much you can save if you purchase your insurance well ahead of the start date, say three weeks. Insurers see last-minute buyers as being a higher risk.

4.     Choose to pay more in excess

This does not lead to as much in savings as it did some years ago but it is still worth considering when applying for insurance if you are a young driver.

The excess is how much you are willing to pay in the event of a claim. For instance, if you offer to pay £500 in excess and claim on your insurance, you have to stand to that amount before the insurance company pays out.

Some insurance companies will reduce the premium if you offer to pay upwards of £1,000. The downside is that this sum has to come out of your own pocket in the event you claim on your insurance.

To summarise

There is no avoiding the fact that if you are under the age of 25 you are going to have to pay more for insurance for your car than older people do.

However, by following the above tips and advice you should be able to get the best possible quote based on your age and the vehicle you drive.

Younger people don’t want a car that looks as though it belongs to their granny but the truth is less flashy cars with lower performance are cheaper for a younger person to insure. Some of the best cheapest vehicles for under 25s that are not too flashy, but which do come with relatively good looks, include the Kia Picanto, SEAT Ibiza and the Ford Fiesta.

Older and used cars are also generally cheaper to insure than brand new ones. Therefore, put your pride to one side and instead of going into debt to get a new Subaru or Audi, you might want to go for a good used SEAT Ibiza or Kia.

Finally, get a quote for your young person car insurance from us and get the best deals possible.


Learner Driver

Five ways to build your confidence as a learner driver

Learning to drive can be a daunting experience with a whole new skill set to learn.  Here are some top tips to keep you motivated and ensure your driving confidence remains high, despite any minor setbacks that you experience in lessons.

1. Reflect on your success in driving lessons

Your past experiences of success (and mistakes) in driving lessons influence how confident you feel in your driving ability.  We tend to remember the negatives and forget the positives, so make a conscious effort to balance this out.  After each drive, take some time to jot down what went well.  These can be tiny things such as a smooth gear change, or big successes such as negotiating a junction or roundabout you dislike.  Try to replay those successes in your mind and remember what you did and how it felt to boost your confidence.

2. Set goals for each driving lesson

You will no doubt be familiar with your driving instructor asking you what you would like to achieve from each driving lesson – make sure you take some time to think about your goals and how your instructor can help you.  Many instructors use a reflective log; the aim is that after each lesson you reflect on what went well, and what you would like to improve on next time.  Before each lesson, check your reflective log and ask yourself:

– what would you like to practise in your next lesson?

– what will an improvement look like/feel like?

– how will you know you’ve achieved this goal?

– what can you do before your lesson to prepare?

– what do you need to know from your instructor that might help?

If you set small goals with your instructor for every lesson and then replay those successes (see suggestion 1), you will progress through your lessons confidently at a pace that is right for you.

3. Challenge your negative thoughts

If you are struggling with driving nerves or confidence, make a note of the things that you are saying to yourself.  Are you your biggest cheerleader or loudest critic?  If you are self-critical, keep a thought log of the words, phrases and tone that you use in your thoughts and see if you can identify any patterns in unhelpful thinking styles or limiting beliefs.  If you are regularly telling yourself; I don’t, I can’t, I mustn’t, I am not, Others will or something similar then you may be undermining your confidence.  Start to challenge any negative patterns by asking yourself, is it a thought, or is it a fact?  How do you know?  Try to add a balancing statement to any negative thoughts, for example, adding, “I’m still learning”, “I’m improving every lesson”, “I’m doing the best I can”.

4. Improve your understanding of road safety

Being a safe and confident driver is about the skills needed to drive a car, but also an understanding of road safety and other road users.  Your theory test is designed to ensure you understand what you and other road users should do (and why) in different driving situations.  If you are not feeling confident in driving lessons, ask yourself which aspects, in particular, make you feel nervous.  Do you have any gaps in your driving understanding and knowledge?  If so, ask your instructor questions about it, and refer back to your theory test training and highway code. We recommend The Official DVSA Guide to Driving: The Essential Skills as a great resource to help.

5. Learn practical techniques to calm driving nerves and anxiety

It is entirely normal and natural to feel a certain amount of nervousness when learning new skills and learning to drive falls in that category.  You are not alone, and feeling a small level of nerves gives you the advantage of improving your lesson by being fully focused and paying attention to what you are doing.  However, high levels of nerves can have a negative impact, creating a fight or flight stress response, resulting in jerky movements and poor decisions.  The good news is that there are many stress management techniques such as breathing exercises, relaxation, mindfulness, coaching, hypnotherapy and more that can help you learn how to calm your driving nerves to keep them at manageable levels.  There is no one size fits all technique for everybody so if you would like to find out more about which methods might be suitable for you visit the Confident Drivers website which has articles, advice and free tools to help.

Author bio:

Tracey Field is the co-founder of Confident Drivers. This website provides online resources to help nervous drivers transform the way they feel about driving through stress management techniques and courses.

How To Get Car Insurance For Young Drivers Under £1000: A Mini Guide

As a young driver who has just passed the driving test, you will be raring to get out on the road. Whether you have your own set of wheels or share a vehicle with your family, you need to consider the cost of insurance. One of the biggest problems faced by new young drivers is that insurance is extremely expensive. Because of the lack of driving experience and an increased chance of an accident, insurance providers will charge higher premiums for young drivers.

Before you begin shopping around for your car insurance deal, remember that it is possible to get car insurance for young drivers under £1000. Follow these top tips and advice from our experts on how to keep your insurance low as a young driver.

 6 Tips For Car Insurance For Young Drivers Under £1000

1.      Honesty Is The Best Policy

Insurance applications will ask for a lot of details. Insurance providers use all of these details to work out your premiums. It can be tempting to bend the truth in a bid to keep the costs down, but it is vital to tell the truth during your application. Not only is it breaking the law to not be honest in an insurance application, but it can also leave your insurance invalid.

On the other hand, being truthful with your insurance can also help to keep costs down and get car insurance for young drivers for under £1000. For example, if you overstate the number of miles you will drive in a year, then you could end up needing to pay more.

Another common mistake is to register a vehicle for business use if it is used for driving to work. Commuting is not considered business use, and by registering it as this, it will lead to unnecessarily higher premiums.

2.      Choose Your Car Carefully

The car you choose to drive can have a significant impact on the cost of your insurance premiums, and you should bear this in mind before you pick out your new ride. Vehicles with more powerful engines are often more expensive to insure because many associate these vehicles with a greater risk of an accident. You can find out more about the car insurance ratings here.

Customising cars with things such as alloy wheels can also out insurance costs up. Spend some time doing a bit of research into which vehicles will help keep premiums low and get car insurance for young drivers under £1000.

3.      Add A Named Driver

Sometimes it is possible to reduce the costs of your insurance premiums by adding a named driver to the policy. This will depend a lot on the experience of the additional driver, so choose them carefully. Adding another young, new driver to the policy is likely to put the price up, but adding an experienced driver with no previous convictions can reduce it.

Some drivers are tempted to put a more experienced driver down as the named driver and list themselves as a named driver in order to get car insurance for young drivers under £1000. This is known as ‘fronting’ and it will lead to insurance policies being made invalid and could potentially lead to prosecution for fraud. Always be honest with your insurance provider about who the main driver is.

4.      Know Your Cover Levels

One of the simplest ways to get car insurance for young drivers under £1000 is to properly understand the levels of cover available. If you think you would struggle to replace your vehicle if it was to be written off, then comprehensive cover is likely to be the best option for you. Comprehensive cover includes third party, fire and theft, as well as damage to your vehicle and personal injury for yourself.

If your car is not worth a huge amount and you could cover the cost should something happen, then you could choose third party insurance. This is the minimum insurance that you need to be legal on the road. It covers you for damages to someone else’s vehicle or injury to others. With third party cover, if your vehicle is damaged or stolen, then you will need to pay the bill.

5.      Choose Additional Safety Features

Many insurance providers will offer discounts on premiums if your vehicle is fitted with a black box or dashcam. A black box will monitor your driving and gives you the chance to prove that you are not a risk on the road. They will monitor your speed, as well as how often and the times of day you use the vehicle. If you have a black box and prove that you are a responsible driver, then your insurance premiums can be reduced.

Dashcam insurance is another option for car insurance for young drivers under £1000. Many providers will reduce premiums when you have a dashcam fitted because your risk on the road will be lowered. Many drivers with a dashcam will drive more carefully because of this, and also they provide vital evidence if an accident should happen.

6.      Minimise Your Risks

Insurance premiums are high for young drivers because they are considered to be a high risk on the road. If you can minimise the risk of your driving, then you can reduce your premiums. By ensuring you always drive safely, make no insurance claims and keep your licence clean, then your insurance will fall with your policy renewal.

Proving you aren’t a risk can take time as you need to build up your no claims bonus over the years. Another way to minimise your risk is to take additional driving qualifications. Courses such as Pass Plus will give you increased experienced in varied driving conditions, giving you better abilities behind the wheel. Most insurance providers will offer cheaper insurance to those that have completed additional driving courses.

At MyFirstUK, we are specialists in providing affordable car insurance options for new and young drivers. Our friendly team understand that finding car insurance for young drivers under £1000 isn’t always easy, and we are on hand to help do everything we can to keep costs down.

Learner Abuse

It’s Time To Stop Learner Abuse

As a learner driver, it is only normal to experience nerves and anxiety about getting out on the road. Driving is an entirely new experience and the pressure to get it right can be intense. All these new driver nerves are only added to by the amount of abuse that learners come across. It has become commonplace for learner drivers to be subject to anger and bullying while out on the road, and it is time to put a stop to it.

What Is Learner Abuse?

Most of the learners today are young adults getting behind the wheel for the very first time. Every road user has had the experience of being a learner at one time or another, but that doesn’t stop experienced drivers from taking part in learner abuse.

There are many different types of learner abuse that take place on the roads all the time. From swearing and abusive hand gestures to tailgating and aggressive horn beeping, learner abuse takes many different forms. Any kind of learner abuse can be scary as a new road user, and there are many learners out there that have quit lessons in fear of the abuse.

Some driving instructors have reported learner drivers also facing physical abuse while on the roads trying to learn, including being spat at and punched. This kind of physical aggression is far more uncommon than verbal abuse but is still a very real problem that learners have to face.

Any kind of learner abuse can increase anxiety and stress about driving and result in the roads becoming an even more dangerous place. As newbies on the road, many learners simply let go of the wheel in a panic when they come across abuse, which puts even more road users at risk.

What Is The Say NO #LearnerAbuse Campaign?

Launched in early 2019, the Say No #LearnerAbuse Campaign has been designed to help reduce the amount of abuse that learners come across when out on the road. Behind the campaign is an administration team of ten DVSA Approved Driving Instructors, as well as support from various other agencies. The view behind the campaign is that road users should be prepared to give learners some patience and tolerance during their lessons, in order to help them learn in a safe environment.

While there are already laws in place designed to protect all users on the road, including driving without due care and attention and careless driving, actually reporting all of these incidents is impossible. The police teams on the road are stretched and lacking resources, making it difficult for them to respond to every case of learner abuse.

This is where the Say No #LearnerAbuse Campaign comes in, to raise awareness and support of the issue in a bid to reduce the abuse that learners receive on the road.

The Say No #LearnerAbuse Campaign aims to change the way learners are treated and perceived. One of the biggest problems is that when young adults that are learning to drive come across this kind of abuse, they see it as normal behaviour and can then potentially become part of the problem after they pass their test. L plates should be seen as a warning to others on the road, that the driver is new and learning and requires some patience and understanding.

How To Deal With Learner Abuse

The Say No #LearnerAbuse Campaign is working hard to change the way learners are treated on the road, but it won’t eradicate the issue immediately. As a young adult learning to drive for the first time, it can be difficult to know how to cope with receiving learner abuse. There are a few things you can do to help handle difficult and abusive situations on the road;

  • Don’t Push Yourself

When someone starts aggressively beeping as you are waiting to pull out onto a roundabout, or a driver begins tailgating you in a bid to make you speed up, don’t feel pressured to do it. You might feel like you need to pull out on a roundabout when you aren’t confident that you have enough time or pressured into speeding up when you don’t want to. Try your best to ignore the abusive driver and just do things at your own pace.

  • Stay Calm

It can be easy to panic if you come across learner abuse, which puts you at a higher risk of having an accident or unsafe driving. Try your best to stay calm, brush it off and continue focusing on the task at hand. Don’t let the other drivers get the better of you or affect your confidence because they are being impatient, aggressive or rude. Remember, they are at fault, not you.