Car driver insurance young
It is often understood by insurance companies that young drivers are inexperienced which means higher risk and so the premiums needed to be taken from them should be high. There are a number of practical steps that young drivers can take to reduce insurance premiums, such as completing the government approved Pass Plus certificate - which can save you as much as 30%, or taking out a six month"starter policy" to help build up your no claims bonus. Many companies can offer different beneficial schemes with which there can be savings on the premiums paid by young drivers.
Rac is one of the companies which offer the Rapid Bonus policy that helps in building up No-claims discount quickly. Rapid Bonus comprehensive car insurance allows young drivers in saving their premiums.
Rapid Bonus: Rapid Bonus is generally designed for the young drivers.This policy allows young drivers to build No Claims Discount instantly which lowers the motor insurance premiums.The young drivers can also take the advantage of additional discount if they complete Pass Plus.Rapid Bonus Comprehensive Car insurance is for 9 months and the discount is continued for 12 months if there is no claims in nine months. So one year No Claim discount is added in just nine months.The young drivers who fulfills following requirement can qualify for the above policy:
The person aged between 17-29;
2. Those having no claims, accidents or convictions ;
3. Those having less than 4 years No-claims Discount ;
4. Those driving a "Group 15" car or less ;
5. Those who requires comprehensive car insurance.
The following are the conditions lying within the No Claims discount and Pass Plus which should be known to the customer before opting for this Rapid Bonus Comprehensive insurance:
No Claims Discount: If the young drivers make a claim under their insurance, there will be reduction in their No-claims discount. If they do not make a claim under their insurance, there will be increase in No-claims discount. It is applicable at the time of renewal of the insurance. The company do not offer No-claims discounts for insurance less than 12 months except in the case of Rapid Bonus insurance which runs for 9 months only. If in case company allows the original policy holder to transfer this insurance to another person, any No-claims discount already earned by him; will not be applied to the person who the insurance is being transferred to. Third parties can pursue a claim directly against the company as insurer in the event of an accident, loss or damage. In these circumstances The Company deals with any claim, subject to the terms and conditions of the insurance. This may affect the policy holder\'s No-claims discount.
Pass Plus: Pass plus is a course to help young drivers acquire additional driving experience which may not be covered in driving lessons. It is supported by the Government\\'s Driving Standards Agency and there is no test to take at the end. It has six modules such as Driving in towns and cities, in all weather conditions, at night and dual carriages. This pass plus certificate adds the discounts on the insurance premium s. If the policy holder already has the insurance with RAC then he will get a pro-rata rebate from the date he has completed the pass plus training. This will long till he has not made a claim with RAC Direct Insurance or before the inception of the policy, and provided that the company have not already provided him with an introductory discount based on his age and driving history.
It\'s simple that more driving experience means the driver is less likely to have an accident, and can thereafter add no-claims discount, save more money.
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