Tips for New Drivers
If you have just passed your driving test and are concerned about the cost of car insurance then it can be a confusing topic to look into. A lot of young drivers get put onto the car insurance policy of their parents, but if you own the vehicle and drive it more than your mother or father then you will find yourself guilty of a practice called fronting.
Fronting is when you are a named driver on a policy belonging to someone else, but you are the sole or main driver of the vehicle. You are relying on the no claims bonus and driver history of the more qualified driver that is on the policy, but all the while you are the main road user.
In all cases it is better to start your car insurance life as soon as you can so you can start building a history as a safe driver and gain some no claims bonus. You will find that as more years go by where you are accident free, the no claims discount will ensure that your policy cost lessens and becomes cheaper each year.
There are a few types of car insurance that you can get; comprehensive, third party and third party fire and theft. Comprehensive car insurance is the most encompassing one while third party only covers you in the case that someone else has caused damage to your car. The difference between this and third party fire and theft is that with TPFT it covers for accident caused by another, as well as theft or damage on your vehicle.
If you have been driving for a while and have points on your licence then you will find that your policy cost might increase. When you move house you should also notify your car insurance provider to make sure that your policy isn’t invalidated. If you are looking for car insurance then try searching online as providers tend to offer cheaper policies.