Driving Lessons in Slough Windsor Maidenhead Bracknell Ascot. Driving School giving Driving Lessons from Fully Qualified Driving Instructors

Car Insurance Keeping The Cost Down Most people spend a considerable amount of money when they learn to drive.  What with the costs of applying for your provisional licence, training materials for the theory test, the fees for the theory and practical tests and, of course, driving lessons themselves, the cost soon mounts up and it is a relief when you pass the test. Unfortunately, passing the test does not mean an end to the expense.  You'll probably want to buy yourself a car and then comes the expense of insuring it!  For many new drivers, the cost of insurance comes as a big shock! Statistically, young and inexperienced drivers are much more likely to be involved in an accident than older or more experienced drivers and this is reflected in the cost of motor insurance. Statistically, one driver in every five is involved in an accident in the first year of driving. Lack of experience means that you can be as much as TWO SECONDS slower than a more practised motorist. Young new drivers are especially vulnerable. They hold only 10% of licences, but they are involved in 20% of road accidents in which someone is injured. As you gain experience as a driver and remain free from accidents and insurance claims, you will earn a "no-claim bonus" from your insurance company which will mean that the costs will tumble over the coming years. This means that, for the first couple of years at least, it would probably be best to stick to a low-powered car that will carry a lower insurance premium.  You might prefer a sportscar, but the chances of finding an insurance company to insure you at all, let alone at an affordable price are slim at best. It is also well worth considering taking part in the Pass Plus scheme. This course will not only build on your driving skills and knowledge, but it can also give you some significant discounts on the costs of your motor insurance.  Even if you don't yet have a car, it's still worth doing the course as the discounts can normally be deferred for up to two years. There are three basic types of insurance to consider: Third Party Only - This means that, in the event of an accident where the policyholder is at fault, only damage to other vehicles involved is covered - In other words, if you hit someone, your insurance will pay to fix their car, but not yours. In addition, should your car be stolen or catch fire, the cost of repair or replacement is not covered.   Third Party, Fire & Theft - As above, damage to your own vehicle is not covered, but you are covered for fire and theft losses.   Fully Comprehensive - This cover, not only covers damage to other cars, but adds damage to your own vehicle to the cover. In other words, if you hit someone, damage to their car and yours is covered.  Many comprehensive policies also cover the policyholder to drive other vehicles with third party cover, but you should check the policy wording carefully to make sure. Many young people start by being insured on their parent's policy. Whilst this can work out cheaper than having your own policy, you do not normally earn your own no-claims bonus and you have to make sure that you tell the insurance company the truth about who will actually be the main driver as non-disclosure can lead to the insurance company not paying out in the event of an accident.

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