Car Insurance
Advice from
CB's Driving School
You know you need Insurance, but do you know what you are looking for?
This page is designed to give you a few pointers and links to get you started.
You have to have motor insurance before you can drive your
vehicle in a public place. Motor insurance protects you, your vehicle and other
motorists against liability in the event of any accident. It provides financial
compensation to cover any injuries caused to people or their property. (GOV.UK)
The legal MINIMUM insurance requirement is
THIRD PARTY. This
covers injury to other people, your passengers or damage to other peoples'
property. It does not cover any of your costs or losses.
THIRD PARTY FIRE AND THEFT. This covers the same as above
but includes insurance for damage due to fire or your car being stolen.
COMPREHENSIVE (A.K.A. FULLY COMP). This is the same as above but also covers
you should your vehicle be damaged.
IMPORTANT: Insurance cover varies depending on the policy on offer. Not all
polices offering the same level of cover (Listed above) are identical. Read the
small print, compare the benefits. CB's Tip: Get the best
level of Insurance you can afford. Hopefully you will never need it, but if you
do you will be glad of the investment (Think of it like a smoke alarm!)
Differences to look out for:
Legal Cover
- CB's recommend this is a MUST! Accidents
without it can cost you £1000's before you get a penny back, and you would have
to find this money from somewhere!
Courtesy Car - While your vehicle is being
repaired (Some only offer this after liability (blame) is established).
Roadside Recovery Services
- In case of mechanical failure, flat tyres or other breakdown.
Repairs
- Vehicle repairs in case of breakdown.
Provisional Licence Insurance - Learner Drivers -
Advice /
Get a Quote
Full Licence Holders - Newly Qualified Drivers -
Advice /
Get a Quote
Provisional Licence Holders:
Your Approved Driving Instructor (ADI) will have Insurance
that will cover you for both lessons and the test.
For help choosing a driving instructor
check out our advice. If you are taking
the test in your own vehicle you will need to make sure you are specifically
covered for the test as technically you are not driving accompanied.
If
you doing Private Practice, or Learning in you own vehicle you will need to be
Insured, in the same way a Fully Qualified driver does. There are a few options.
-
Become a named driver on an existing policy
(maybe your parent or guardian) - They will need to call and ask
how much this will cost. Some companies will not be willing to
add you due to age or experience.
-
Get Short-term Learner Cover - This will
insure YOU to drive a vehicle while you learn. Any claim will
not effect the car owners insurance or No-claims. These normally
cover periods of a week, month or 3 months. They also mean that
once Qualified you can pick the best Insurance cover for you.
-
A full policy in your name. The same as a
Qualified Driver would have. This can be obtained via the usual
routes including Comparison Sites. (Normally this is used when
it is your own vehicle)
Motorways
