Young Drivers
The second year of driving moves less than most new drivers expect it to
One clean year adds a year of age, a year of licence and usually a first discount, but the largest part of…
· 4 min read
Young Drivers
Sharing one household car is a question about who uses it most, not who owns it
When several people drive the same vehicle the policy has to describe that honestly, and the main driver is…
· 4 min read
Young Drivers
A licence earned abroad is worth less to an insurer than the years behind it suggest
Driving entitlement and driving history are separate things, and a driver arriving with a foreign licence…
· 4 min read
Young Drivers
Extra training after the test lowers a price only where an insurer recognises it
Post-test driving courses genuinely change how a new driver handles a road, but the pricing effect depends…
· 3 min read
Young Drivers
Drink and drug driving changes what a policy pays and who it pays it to
Compulsory liability cover generally protects the victims of an impaired driver, but the driver themselves…
· 3 min read
Young Drivers
Rating tables have steps in them, and the steps are where the temptation lives
Pricing models group drivers, cars and journeys into bands, so a trivial change to an answer can move a…
· 3 min read
Young Drivers
A cheap first car is written off by damage an expensive one would survive
The decision to repair or settle is a comparison between repair cost and market value, and on a low-value…
· 3 min read
Young Drivers
A gap in cover costs more than the months it appeared to save
Continuous insurance history is itself a rating input, a discount left unused eventually expires, and in…
· 3 min read