Car Insurance For Young Drivers

Obtaining cheap car insurance for young drivers has often been a frustrating experience, due to the sky-high premiums many are forced to pay.

If you are a younger driver, in your early 20s, or have only just passed your driving test, this guide aims to help by providing tips on how to get a good deal on your motor cover.
Why Is Young Driver Insurance So Expensive?

There are several reasons why younger drivers pay more for their car insurance.

* Drivers are statistically more likely to have an accident in the first two years after passing their test than at any other time. One in five drivers will have an accident in their first year on the road.
* A third of fatalities on UK roads are caused by young drivers aged 17 to 25.
* Young drivers also experience more theft, fire and vandalism to their vehicles, which leads to claims on their car insurance.
* Young drivers are more likely to be ferrying around a car full of friends and therefore face a much greater risk of being involved in an accident than someone who just uses their car to nip out to the shops mid-afternoon.

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Cheaper Car Insurance For Younger Drivers

So how can you get cheap young driver car insurance? Much of the advice given in our standard car insurance guide applies equally to younger drivers. However, here are some extra tips that can help shave pounds off the cost of your motor policy.

* Forget about turbo-charged cars, with big spoilers, fat tyres, alloy rims and other “sexy” extras. For at least two years after passing your test, aim to drive a car that has a small engine, or is in the lowest possible insurance group.
* If at all possible, avoid being added to a parent's insurance policy. It prevents you from building up your own no-claims bonus.
* If you are the main driver or registered keeper of the car, DO NOT insure it in your parents' name and put yourself down as a named driver. This is known as “fronting” and in the event of an accident it could mean the claim is not paid. Moreover, the younger driver can be charged with driving without insurance.
* Consider taking part in the Pass Plus scheme. This is a certificate where a young driver who has already passed his or her driving test receives specific lessons in night, motorway and town traffic driving. Achieving the Pass Plus can earn significant discounts (as much as 35%) on your car insurance.

Auto Insurance Claims Process

There are three steps to the claims process for auto accidents:

1. You’re in an accident or suffer a loss of property

2. You contact us by one of these methods to report a claim:

• Call 1-800-421-3535
• Complete an online form
• Contact your agent
• Sign in to Account Access

3. All auto accident claims are individually handled by an auto insurance claims professional, who can:

• Contact you to verify data on the claim
• Answer any questions you may have
• Confirm your coverage
• Obtain auto accident claims documents and initiate any necessary investigation of the claim
• Establish the amount of auto insurance claims damages to be paid
• Authorize payments according to policy conditions

Can I get immediate cover

Buying a policy

1. What can I do online?
2. Can I get immediate cover?
3. Why do I need a password?
4. What is the difference between comprehensive and third party fire and theft insurance?
5. Your system does not recognise the make and model of my car - what should I do?
6. I am trying to get a car insurance quote but your database will not recognise my address.
7. I am trying to get a car insurance quote but your database will not recognise my vehicle registration number.
8. I need to enter details of claims and/or convictions. Can I still get a quote online?
9. How old do I need to be to obtain an online quotation from your website?
10. When will I receive my insurance documents?
11. What document would I have to submit as proof of no claims discount?
12. Will you insure my car if it has modifications?
13. Can you provide insurance for my vehicle if it has been imported?
14. Can I insure two cars at the same time?
15. Can I receive an online quote if I do not have a registration number yet?
16. How do I retrieve a saved car quote?
17. I have a provisional licence. Can I still get a quote from you?
18. If I have a foreign licence, how do I get a quote from you?
19. Are my spouse and I covered for our business use with our Churchill car insurance policy?
20. How do I add a driver to my car insurance policy?
21. How do I get a pass plus discount?
22. What is multi-car discount?
23. Can I continue to insure my old car whilst I am trying to sell it?
24. If I am buying a new car, how do I transfer my existing policy over to the new vehicle?
25. Do you provide cover for trailer tents?
26. Who underwrites your car insurance?

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No Claims Discount (NCD)

1. If you have been unable to obtain proof of my no claims discount (NCD) what should I do?
2. Am I able to take my No Claims Discount (NCD) to another insurer?
3. Can you send me proof of my no claims discount (NCD)?
4. What do I need to provide as proof on my No Claims Discount (NCD)?
5. What is No Claims Discount (NCD) or No Claims Bonus?
6. Do the years I’ve spent driving a company car count towards my No Claims Discount (NCD)?
7. If my No Claims Discount (NCD) has been earned in another country, is it still acceptable?
8. What is No Claims Discount protection (NCDP)?

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Churchill Discounts

1. What is a Named Driver No-Claim Discount?
2. What does a Named Driver No-Claim Discount entitle me to?
3. Am I eligible for a Named Driver No-Claim Discount?
4. Can I transfer my Named Driver No-Claim Discount to an existing Churchill policy?
5. If someone is a named driver on my policy and they insure their own vehicle with Churchill with a Named Driver No-Claim Discount, and have an accident in their vehicle, will this affect my policy?
6. What is a Multi-Car Discount?
7. What does a Multi-Car Discount entitle me to?
8. Am I eligible for a Multi-Car Discount?
9. Am I eligible for a Multi-Car Discount if I am only a named driver on 2 or more cars insured with Churchill and registered at 2 different addresses?
10. Can I use a friend or relatives Multi-Car Discount without asking them?
11. What is an Only Driver Discount?
12. Am I eligible for an Only Driver Discount?
13. If I add an additional driver to any of my policies am I still eligible for the Only Driver Discount?
14. If my first policy is for my spouse and my 2nd policy is for me only, can I get a Matched No-Claim Discount?
15. What happens if I am not the only driver on my 2nd car, do I still get a Matched No-Claim Discount?

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Service and cover

1. Can I change or view my policy online?
2. Can I have an annual green card and is it free?
3. Does my policy cover me to drive other cars?
4. How do I amend my car insurance policy?
5. If my vehicle is in a garage and I need to cover a hire car under my insurance, can I add it on?
6. Can I temporarily add a driver to my car insurance?
7. Why haven't I received a cover note for my car insurance policy?
8. How can I view the car insurance policy documents?
9. I normally receive my certificate with my renewal but I haven't this year. Where is it?
10. Can I get a copy of my car insurance certificate?
11. If my car is going to be off the road, can I freeze my insurance payments?
12. Do I get a refund if I sell my car after paying my insurance premium?
13. Can I use a hands free kit with my mobile phone when driving?

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Churchill Legal Assistance Service

1. How much cover does Churchill Legal Assistance Service (CLAS) provide?
2. Does my policy include Churchill Legal Assistance service?
3. When can I use Churchill Legal Assistance Service?
4. If I buy Churchill Legal Assistance Service, who would be covered?
5. Would Churchill Legal Assistance Service cover me in my other car?
6. Would I be covered by Churchill Legal Assistance Service if I go abroad?
7. Would I be covered by Churchill Legal Assistance Service if the driver at fault leaves the scene of the accident without swapping details?
8. Will you pay compensation under Churchill Legal Assistance Service if I am injured as a result of a road traffic accident and unable to work?
9. If I need to use Churchill Legal Assistance Service are there any additional costs other than the annual premium?
10. Do I need Churchill Legal Assistance Service if I know a solicitor?

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Guaranteed Hire Car

1. What is Guaranteed Hire Car?
2. Who does Guaranteed Hire Car apply to?
3. Can I use Guaranteed Hire Car more than once a year?
4. Will my No Claims Discount (NCD) be affected?
5. Do you provide a hire car for disabled drivers?
6. Do I have to pay an excess if I have an accident in the car?

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Guaranteed Hire Car Plus

1. What is Guaranteed Hire Car Plus?
2. What is meant by similar sized car?
3. Who does Guaranteed Hire Car Plus apply to?
4. Can I use Guaranteed Hire Car Plus more than once a year?
5. Will my No Claims Discount (NCD) be affected?
6. Do you provide a hire car for disabled drivers?
7. Do I have to pay an excess if I have an accident in the car?

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Payment

1. How can I pay for my policy?
2. Is it safe to pay for my policy on the Internet?
3. Can I pay for my car insurance using someone else’s credit card?
4. Can I pay by instalments?

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Claims

1. How do I make a claim?
2. How do I track my car claim?
3. What is an excess?
4. Do I have to pay an excess if my windscreen is repaired?
5. Do you offer a courtesy car as standard in the event of an accident?