Thursday, 27 October 2011

Driving - A Constant Learning Curve

Unfortunately young drivers tend to be the hardest hit when it comes to young drivers' car insurance premiums. The main reason behind this is the high risk associated with new, inexperienced drivers, especially those between 17 – 25 years of age.

So, as a young driver, what can you do to help reduce the cost of your young drivers insurance premium? Good question... and the only real answer is EXPERIENCE (and possibly a black box insurance policy).

The more experience you have on the road, the better you'll become, in theory. But iKube know it's not as simple or as straight-forward as that and so does the Institute of Advanced Motorists (IAM), who have recently issued a statement saying that young drivers should continue to train even after they pass their driving test.

A spokesperson for IAM has said that the group are committed to encourage and develop young drivers, "and to continue to learn and develop throughout their driving careers."

So - yes, training behind the wheel of the car will help to improve a young driver's skill level, however, that doesn't mean they will necessarily see an improvement in the cost of young drivers insurance... why?

What it essentially comes down to is that most car insurance firms don't necessarily recognise or take IAM courses into consideration when calculating the price of your car insurance. Most firms will still base their insurance discounts on whether or not the driver has obtained a PASS PLUS.

Having said that IAM do teach a variety of excellent courses and they are dedicated to helping you to improve as a driver and, in time, you will find that as your driving improves your car insurance premium should improve as well. In fact, if you take out an iKube black box insurance policy and your driving improves as a direct result of IAM then you argue that it does work… in a round-a-bout kind of way – especially since iKube can reward higher black box car insurance discounts at renewal, based on good driving habits.

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