Thursday, 31 May 2012

Provisional Licences Explained

When you hit the age of 17 and you start looking into driving it can be a bit of a whirlwind - there can be quite a lot to take in. However, by far the most important thing before you start getting overwhelmed by it is to make sure you have a provisional licence.

Having a provisional licence is essential if you want to start driving lessons or even if you need learner driver insurance for that car you plan to buy and practice in.

So how do you go about buying one? Well it's really quite simple - just visit DirectGov apply online for it.

Alternatively, if this doesn't appeal, just pop-down to your local post office and buy one.

However, before you go rushing off you need to ensure you can prove the following:

• Are a UK resident
• Not prevented from driving for any reason
• Are at least 17 or older
• Meet the necessary eyesight requirement

You also need to make sure you can provide the following when you go to purchase your provisional driving licence:

• £50 for the licence
• A valid UK passport or other form of ID
• Proof of address of where you have lived in the last 3 years

It can take anything from 2 - 3 weeks to receive your licence once you've applied.

Have a provisional licence? Thinking of getting a car to practice in? Check out iKube’s learner driver insurance – we could save you a bundle!

Friday, 25 May 2012

Learner Drivers - Think Before You Learn

When you hit the age of 17 one of the key things on your mind is learning to drive. However, you really need to consider a few things before jumping in the deep end, including:

1. Who do you want teaching you?

If you think about it learning to drive is one of the most important things you will ever do. It is also one of the only times you can actually choose who you want to instruct you.

Some learners try out two or three instructors to begin with to help decide who they want teaching them. Others may only require one, however, it is essential that you get on and respond well to your instructor so be careful when looking.

2. Do you want intensive courses or weekly tuition?

This really depends on your learning style - for instance, some people find that learning over a number of weeks or months is more beneficial to them. It may also be more cost effective - not everyone can shell-out a lump sum to pay for an intensive course.

However, other people may find that they benefit from an intensive course over a week or two week period. This is especially useful for young drivers who need to get on the road quickly - i.e. for work purposes. It's worth bearing in mind that an intensive course may prove too expensive for some as it requires a larger up-front payment than one spread out over a number of weeks.

3. Have you the money to set-aside for driving lessons?


Whilst some learner drivers have parents to help them out with lesson fees there are inevitably those that have to pay for the lessons themselves.

If you're working a full or part-time job it's important to make sure that you have enough to cover your driving lessons. However, it's also important to make sure you have your cost of living covered - i.e. bills, rent money, etc.

5. What course materials do you need?

Course materials are more essential than you may think. However, like anything, the type of course materials you require are partially dependent on your learning style. But let's take a look at the main essentials:

Highway Code -  it should go without saying that the Highway Code is a vital document to study. It outlines the rules of the road for motorists, cyclists and pedestrians.

Driving Theory Book - this allows you to learn and test your driving knowledge. By using this book you are increasing your chances of passing the driving theory test that you are required to pass before going for the practical test.

Whilst these are the two main essentials there are a number of other resources available to learners. The DSA, for example, offers an online theory test so you can practice. There is even software available to buy if you think you need it, however, we don't necessarily endorse this.

Looking for learner driver insurance? Check out iKube's specialist black box insurance for learner drivers - we won't increase your premium when you pass your test.

Wednesday, 23 May 2012

Curfew Car Insurance - What Curfew?

iKube has had a lot of labels attached to it over the years - including the term "curfew car insurance" which we feel is wrong.

There are plenty of pay-as-you-drive black box insurance schemes out there, however, here at ikube we don't charge you by the mile. 

Instead iKube simply asks that young drivers who take out our telematics car insurance policy do not drive between 11pm - 5am at night as this is believed to be the most dangerous time of the day to drive.

I won't go into the nitty-gritty as to why, instead I'm going to touch upon something else that a lot of people appear to neglect.

Did you know that 75% of young drivers who take out iKube's black box insurance are rewarded with a safe driving discount at year 2? In addition to this a third of those are actually given the opportunity to remove the night time restriction completely (these are people who have driven particularly well).

For those people who drive particularly well we are not only offering a discounted form of car insurance but we're also offering a non-restricted policy. We're removing the "curfew car insurance" label associated with it and we don't restrict by mileage. 

Essentially iKube is like a straight-forward car insurance policy - the only difference is that your premiums potentially reduce year-on-year, depending on how well you drive.

Taking An Active Approach In Your Teen’s Driving

A study by the AAA Foundation in the US has revealed that it's actually safer for a young driver insurance holder to drive by themselves than to allow another teenage passenger in the car with them.

It's believed that if a parent restricts the young driver to driving alone they could significantly reduce the risk of a driving accident.

Commenting on behalf of AAA, Chuch Mai stated:

“The more teen passengers, the more likely there is conversation going on back and forth, perhaps horseplay or even a certain degree of perhaps showing off."

The study showed that with every passenger younger than 21 the risk of fatalities increases exponentially and quadruples with three or more passengers.

Mr Mai added that teens are more at risk since they do not have the experience that an older driver does to manage distractions, such as passengers in the car.

He went on to say that parents need to take a more active approach in their teenager's driving habits to help reduce the chance of an accident.

Other ways you can improve safety for your teenager whilst driving is by considering a black box insurance policy, such as iKube. A black box policy can help reduce the risk as it monitors driving behaviours – in the case of iKube the scheme requests that the young driver does not drive between 11pm – 5am as this is proven to be the most dangerous time of the day to drive.

However, at renewal the black box insurance policy also takes into consideration how well and how carefully the young motorist has driven. If they have driven well they could receive substantial savings when it comes around to renewing their car insurance.

Source: http://www.tulsaworld.com/specialprojects/news/crimewatch/article.aspx?subjectid=450&articleid=20120521_11_A11_CUTLIN525829

Thursday, 17 May 2012

Key Benefits Of Black Box Insurance

There are a wide range of benefits that black box insurance can help you - and we're not just talking about saving you money.


Here's a quick list of ways black box insurance can help:

It Can Save You Money! 

I know I said that it's not just about saving you money but let's face it - it's still a pretty important factor for many young drivers looking for car insurance. The iKube black box scheme can help reduce the cost of young drivers insurance simply by requesting that you don't drive late at night (between 11pm - 5am). 


Makes You A Safer Driver. 

By taking out a young drivers’ insurance policy with iKube you are being given the opportunity to prove that you are a good driver. As long as you can prove that you drive well and carefully you are rewarded with further discounts at renewal. When it comes around to year 2 renewals the scheme not only takes into consideration No Claims Bonuses but it also looks at your driving data and determines how well and how carefully you've driven. As long as you've displayed good driving behaviour you could be in for a significant discount.


Tracking Car Thefts. 

All cars on a black box car insurance scheme needs to be fitted with a tracking device (i.e. the little black box) so that data can be recorded on how, when and where the car is being driven. By using this data iKube can actually provide help to local authorities if they are looking for a stolen vehicle. Since the device is difficult to locate it's not obvious that the car is even fitted with a tracker so a thief will probably be unaware that they're being traced.


So are there benefits to taking out a telematics young driver insurance scheme with iKube? Just look at the facts, give us a call and see if we could help you: 0845 602 6925.

Learner Drivers – A Lower Car Insurance Risk

Did you know that learner drivers are actually seen as a lower car insurance risk than a newly qualified young driver? If so have you ever wondered why?

Let's take a look at a few facts about learner driver insurance:

Learners are accompanied or "chaperoned" by a driving instructor or other qualified driver such as a parent when they're out on the road. As a result they are actually seen as less of a risk - since they're not allowed to drive by themselves. 

A newly qualified young driver tends to be seen as a higher risk as they are not being supervised by an instructor or more mature, qualified driver, such as a parent. Consequently a new driver will probably be faced with high young drivers’ insurance premiums. 

This is why iKube believe that it is in their best interests to take out a provisional car insurance policy whilst they are still learning to drive. 

Did you know that by taking out an iKube learner driver insurance policy you are actually saving yourself money in the long-run? Unlike some other provisional insurance schemes iKube will not increase the cost of your car insurance after you pass your driving test – more importantly the policy will still be valid as long as you let us know that you’ve passed.

So don't wait until you've passed your test - take out a provisional car insurance quote before and you could make significant savings in the long-run.

Friday, 11 May 2012

Young Drivers - Importance Of Correct Information

As a learner driver the cost of young drivers insurance tends to be higher than car insurance for those who have a full licence.

This may tempt policy holders to bend the truth when requesting a young drivers insurance quote from the insurer or the broker.

This even on a small scale is fraud and you will be convicted if found out. Providing anything but true and correct information can and will result in a claim being rejected by the insurance company. So the shiny new vehicle that you bought will be damaged or scrapped and you will be out of pocket.

On a more serious note you may be liable for any injury to a third party if an accident causes suffering or loss of life.

Fronting


You may think that driving down the premium by insuring the car in your parent's name is a clever way of saving money but the above applies in this situation as well. You are essentially breaking the law and will be found out.

To avoid any issues material facts must be disclosed, including your driving licence details. You will be required to provide copies of your licences (paper and card) if and when a claim is made.

So – why shouldn’t you bend the truth when requesting a car insurance quote? It’s simple really – it’s a criminal offence to falsify information to obtain cheap young drivers insurance. The risk really is not worth the hassle.

If you are looking for affordable learner driver insurance that won’t increase after you pass your driving test then check out our exclusive telematics scheme for learner drivers.

Thursday, 10 May 2012

Black Box Insurance - Peace Of Mind For Young Drivers

With inflation on the increase, the dip back into recession and the ever growing fuel prices the economy is really taking its toll on a lot of budgets - including teenagers looking for reasonable learner driver insurance or full licence young drivers insurance premiums.

This is one of the reasons why black box insurance has become so critical for many young and learner drivers getting behind the wheel for the first time.

So whether you're looking for a provisional car insurance policy or a full licence policy a black box scheme may be ideal since it can help to reduce the cost you may have paid on standard car insurance.

The good thing about black box car insurance is that it gives the motorist more control over their own premium. As long as they drive well the renewal premium could be considerably less. In fact iKube will actually remove the late night driving restriction entirely if they prove to be a flawlessly good driver.

With these types of rewards in place on black box policies it's easy to see why they continue to grow in popularity amongst young drivers. In essence it's a policy that can provide certainty in an uncertain economy… or an uncertain world.

Wednesday, 2 May 2012

The Right Car For Your Teen

For many teens, turning 17 usually means one thing - the opportunity to get on the road. However, learning to drive can be expensive... as can buying and running a car.

So choosing the right car for your teenager is probably something you'll want to sit down and think seriously about. Not only do you have to think about the actual physical cost of buying a car, but you'll need to think about the cost of car insurance - especially learner driver insurance if they're still learning.

The ideal car for many teenage boys tends to be a car with a large engine and an equally big spoiler. However, it's unlikely that they'll be able to find a learner driver insurance provider willing to cover them.

Besides - do you really want your 17 year old driving around in a powerful car? A teenager may appear confident but it takes a few years to gain the experience required to handle a car.

When considering which car to buy a good rule of thumb is a car with a small engine (i.e. 1.0 - 1.2) such as a Ford KA or Vauxhall Corsa. Its also worth discouraging your teen from modifying their car as modifications can have an impact on the cost of provisional car insurance.

However, it's not just about the cost of car insurance - you need to bear-in-mind other costs such as fuel prices, repairs, servicing, etc. With a smaller, modest car these costs tend to be lower.

Black Boxes - The Right Solution For Learner Drivers

As a learner driver it can prove tricky finding the time and money to practice for your driving test.

The sheer cost of learning to drive is expensive with the price of fuel on the increase and the cost of driving lessons (not to mention theory and practical test costs).

However, there are instances where you can bring down the overall cost of learning to drive. Taking out learner drivers insurance to cover your own car is certainly worth considering - especially if you have a willing parent who will take you out on the road to give you some of that much needed practice.

Unfortunately, depending on where you go, the cost of provisional insurance can be quite expensive. By turning to a black box insurance policy you could actually reduce the cost of your learner driver insurance.

It's really straight-forward - the learner receives discounted rates based on the agreement that they do not drive between 11pm - 5am at night (statistically the most dangerous time to drive). For a learner this isn't asking a lot as it's unlikely that a driving instructor or parent would like to take them out driving at this time anyway.

It's also important to note that iKube's black box insurance policy will not automatically cancel or increase once the learner passes their test. They are still insured, however, they do need to tell iKube so that the policy can be updated.

To find out more about iKube and how it's scheme works please check out the following: