Car Insurance

Young Driver / Student Driver

So you've passed your test and can now drive legally on your own, but there is one thing hindering your independence, the cost of the car insurance!

Source: BIBA

Young Driver's Car Insurance Quotes

Using quotezone for your young driver's car insurance, you can compare quotes from a range of car insurers and you could be on your way in no time.

Student Drivers

As Universities tend to be located in city centres, car insurance can be expensive. That’s why we search a panel of UK insurers to find the best value car insurance for students away at University.

Insurance For New/Young Drivers—Do's & Dont's

Do's

Answer questions fully and honestly. If the young driver is a named driver on your car insurance, ensure you answer all the questions your insurance company asks as fully as possible. If not you could run the risk of not being able to claim under the policy and it could even result in your policy being voided. If you have any doubts or queries ask your insurer for help and information.

Be aware of the consequences of getting your insurance wrong. If a young driver is involved in an accident and the insurer refuses to pay out, the driver will be treated as if they are not insured. This will result in a fine and six points on their license, which is an automatic ban for new drivers. Then there will be the uninsured claim for you to settle and it will be very difficult to get cover in the future. And that is too scary to contemplate.

Dont's

Never put the young driver on a policy as an additional driver if, in fact, they are the main driver, even if you own the car! The expectation is that their use of the car will be as an occasional driver. Whereas, if they are the main driver, the premium must be calculated on them and not you. Withholding material facts like this will invalidate your policy, leaving you uninsured.

If your son or daughter own their own vehicle, never try to insure the car in your name, trying to gain lower premiums due to your age and/or no claims discounts. As you don't own the vehicle, you have no insurable interest in it, the young driver and owner of the car does. In the event of any claims the insurance company refuse to pay-out and void the policy too.

Classic Car Insurance

Classic cars are more than just car, they are not just a hobby, they are a passion, a car to be treasured, which is why they need specialised classic car insurance policies to protect them against damage and theft.

Get a Classic Car Insurance Quote

If your car is deemed a classic then you can often receive reductions in your policy price as:

• The insurer generally presumes you will be doing less mileage (you will need to confirm this when you apply).
• Also, most people who drive a classic car take good care of it and maintain it to a high standard. They tend to store it in secure locations (again you will need to confirm this).

Via a panel of insurers, we are able to access some of the most competitive classic/vintage car insurance schemes in the United Kingdom.

What type of vehicle is the classic car product aimed at?

This product is aimed at cars aged over 15 years, that are used for recreational use.

How our classic car insurance works

• Step 1 – you compete our simple online form
  
• Step 2 - a panel of specialist providers will then contact you directly
  
• Step 3 – wait for all the quotes to come in and then choose the best policy to suit you

Get a Classic Car Insurance Quote

How to Compare Classic Car Insurance Policies

Making an accurate comparison of classic car insurance online may be difficult, because these policies are typically tailor-made for individual owners and their cars, and are based on use as much as on the car itself. However, there are some important points that classic car owners may look out for, to make sure the policy they buy is flexible enough for their needs.

Ideally the policy would:

• provide coverage for buying authentic replacement parts when repairs are needed.
• allow for reviewing altering the agreed value of the car, as many classic cars increase in value over time
• allow you to easily switch in and out of laid-up mode.

“Laid-up mode” is where the car is in storage or otherwise off the road on a long-term basis, and insurance for this mode may be cheaper than if the car were being driven, as it typically only includes fire and theft. Please note that the car needs to be certified with a Statutory Off-Road Notice when it’s in laid-up mode.

Get a Classic Car Insurance Quote

4X4

The days of the 4x4 being used by farmers and caravan owners have long gone. The 4x4 is now driven by anyone who's anyone from the school run to footballers, you won’t travel far without seeing one.

With the 4x4 having an excellent safety record and the ability to deal with all weather conditions, it has made the vehicle more appealing to families. Manufacturers have also improved the style of the vehicles making them so much more appealing than years ago where they would have been deemed as a workhorse in a box shape.Compare 4X4 Car Insurance Quotes

Why do people choose a 4x4 car?

• Safety record (visit Euro NCAP for more info).
• Good in all weather conditions.
• Easily handle different types of terrain.
• Many have space for growing families (7 seaters).
• They're good for towing caravans, trailers and horse boxes.
• Style – There has never been a bigger choice There's a wide range of choices including the Land Rover Discovery, the Jaguar F-Pace and the Porsche Macan.

Compare Insurance

Allow us to take the hassle out of finding your 4x4 insurance. Whether it is a Jeep, Land Rover, Range Rover, or BMW X5 we will do the searching around for you.All you have to do fill out our simple online quote form with some information about yourself and your 4x4, then you will be able to can view a wide range of quotes from a panel of insurers and select the policy that suits you.

Why use a comparison site?

It is always worth shopping around for your 4x4 insurance online, as some insurers can offer you better rates than others. You could also find the right policy for your four-wheel drive whether it is a Jeep, Land Rover, Range Rover, or BMW X5.

You can compare quotes from Quotezone’s panel of UK insurance providers by clicking the quote button. Compare 4X4 Car Insurance Quotes

How can I keep the price down?

• Use a price comparison site
  By comparing prices, you can check you are getting the right cover at the best price.
• Improve vehicle security
  Insurers often offer discounts for improved security features such as alarms, immobilisers and trackers.
• Park in a safe place
  By parking your 4x4 in a garage or driveway rather than on an open road, most insurers will give you a discount as your vehicle is in a safer place.
• Reduce your mileage
  The less time you spend on the road and the fewer miles you drive, the lower the risk of you having an accident.
• Pay upfront
  When you pay by instalments this will normally work out more expensive as most insurers treat it as a loan and charge you interest for the service. Meaning if your full premium at the start you will save money.
• Don’t automatically renew
  You should shop around each year to check you are getting the best deal.Compare 4x4 Insurance
• Don’t pay for extras you don’t need
  Consider if you really need the optional covers that are being offered as these often push the price up, for example you might not need off road cover as you will never use this. Also, if you do need the extra cover check to see if it is cheaper to arrange it elsewhere – for example breakdown insurance might work out cheaper booking it separately.
  You can compare breakdown insurance cover: click here.

FAQ's