precision driver medicals

Car Insurance For New Drivers

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Looking for Cheap Car Insurance For New Drivers? With MoneySuperMarket, compare affordable new driver auto insurance quotes from top companies.

As a novice driver, you probably want to start driving immediately, so you’ll need to ensure your vehicle is insured appropriately.

There are ways to lower the cost of car insurance, even though insurers tend to charge drivers who have just passed their exams higher premiums than those with more experience.

If you’re a novice driver, this section will cover all you need about auto insurance.

What type of cover is available?

The coverage options are the same whether you’re a more seasoned or inexperienced driver:

Only third parties

If you get into an accident and cause damage to someone else, their automobile, or their property, you are protected by this sort of insurance. Additionally, it covers any visitors. Damage to you or your own car is not covered by it. This is the bare minimum of coverage that must be obtained.

Third-party, fire and theft (TPF&T) This provides the same cover as third party, and it will also cover your car if it is stolen or damaged by fire.

Fully comprehensive In addition to TPF&T cover, this type of car insurance covers your own repairs and medical costs and other expenses.

Compare Car Insurance Quotes

Choose from a range of policy options for affordable cover, that suits you and your car.

How are my premiums calculated?

Car insurance companies will ask you for a variety of details to calculate your premium, such as:

  • Your age. Younger drivers typically are involved in more car accidents so are often charged more in premiums
  • Your driving experience. As a new driver, this will necessarily be limited, meaning you will face higher premiums than someone who has been driving for a number of years
  • Your address. Certain areas are known for high numbers of drivers making claims due to hotspots for accidents or for high car crime rates
  • Your occupation. Car insurers use information from past claims by people in your line of work to determine how high-risk your occupation makes you, and how this affects your premium
  • Your annual mileage. The more you intend to use your car, the more risk there is of it being involved in an accident
  • Your car. Which car insurance group your vehicle falls into also has a major bearing on the premium you pay, with powerful and expensive cars costing more.

How can I lower my premiums?

Auto insurance considers new drivers the most dangerous group of motorists, especially young drivers. This is reflected in premium costs, which for new drivers—especially those under 25—tend to go up. However, there are alternatives to reduce the cost:

Build your no-claims discount (NCD).

Drivers are rewarded by their auto insurers with a no-claims bonus on their premiums. This rises each year they go without filing a claim, reaching a maximum of 65% or even 70% after five years. So when you change insurers, you may typically take your NCD with you.

Agree to a higher excess.

The “excess” is the amount you must pay toward any claim you submit about your auto insurance; it is subtracted from any payment you receive.

The excess is divided into two parts: the compulsory excess, which the insurer determines, and the voluntary excess, which you choose. There will be a cap on how high you can raise the voluntary excess, but the lower your premiums, the more significant the total amount.

Significantly, it would help if you didn’t leave yourself with an excess you can’t afford to pay because you wouldn’t be able to cover expenses like a repair bill.

  1. Pay annually. Pay your insurance in full if you can. Although paying the payment in monthly instalments could seem appealing, interest will be added to the bill, and you’ll pay more. If you can’t afford the annual fee, you might use a 0% purchase APR credit card to cover it and then pay off the amount during a 12-month interest-free period.
  2. Add a named driver to your policy. A more experienced driver, such as a partner, can be added as a “named driver” on your insurance policy, indicating that you won’t be using the vehicle much and reducing the risk. Make sure that the primary driver is the one who drives the most.
  3. Complete an advanced driving course. Although advanced driving courses are designed to increase your driving confidence, certain insurers may reduce your premiums if you have taken one. The government’s Pass Plus programme and those offered by IAM RoadSmart (formerly known as the Institute of Advanced Motorists) and RoSPA are examples of recognised programmes (the Royal Society for the Prevention of Accidents)
  4. Choose a black box/telematics policy. Using GPS monitoring and intelligent technology through a device implanted in your car or an app on your phone, black box or telematics insurers (such as By Miles, Carrot Insurance, and Insure the Box) keep track of how you drive and reward safe drivers with lower premiums.
  5. Keep your car safe. If a driver parks their vehicle in a driveway or garage instead of on the street, they will pay a lesser rate. Insurance rates for cars with more advanced security measures will often be lower.

Taxi Medicals

Several UK municipalities have authorized us to give taxi medicals throughout the country. Low-Cost Taxi and Private Hire Medical Transportation. Book Now!

Steps to book a medical?

Pick Your Preferred Location

Select the clinic location of your choice for your medical assessment. We offer multiple clinics situated across England.

Secure Your Appointment

To schedule an appointment, use our convenient online booking form. You must provide your details and complete the payment process online.

Receive Confirmation

Once you've booked, a reservation confirmation will be promptly delivered to the email address you provided. Your reservation becomes official only upon receiving this confirmation.

Items to bring to the medical ?

"To ensure a smooth HGV medical appointment, remember to bring the following three essential items:

  • The Form D4 medical form, which your doctor will complete and sign.
  • Your driving licence and counterpart.
  • A record of any medications you are currently taking."

What to expect at the medical ?

If you're gearing up for your HGV medical examination, it's natural to wonder what the process entails. Understanding what to expect can help alleviate any apprehensions and ensure that you are fully prepared for your appointment. Here's a breakdown of what you can anticipate during your HGV medical examination. Learn more.

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