Learner Driver Guide to Reduce your Insurance Premiums

Guide for learners and young drivers

First of all - decide on what cover you need

Do you need fully comprehensive car insurance, third party fire and theft car insurance or third party car insurance? Check here for a full explanation 

Fully Comprehensive car insurance 

Fully Comprehensive Insurance covers you for everything Third Party fire and Theft does, but in addition you will normally be covered for loss or damage to personal effects, accidental damage and medical expenses too. On top of this there could also be optional extras you can take out like breakdown cover or legal expense cover, for example. Although not essential, they do give the policy holder extra protection and peace of mind against many common motoring occurrences.
Fully Comprehensive Insurance covers you for everything Third Party fire and Theft does, but in addition you will normally be covered for loss or damage to personal effects, accidental damage and medical expenses too. On top of this there could also be optional extras you can take out like breakdown cover or legal expense cover, for example. Although not essential, they do give the policy holder extra protection and peace of mind against many common motoring occurrences.
Once you have decided on which type of insurance to buy, you next need to consider the finer details of the policy. Each insurer will offer you these three basic types of insurance, but when you come to purchase one there will be optional extras that you can have which may affect the premium
Once you have decided on which type of insurance to buy, you next need to consider the finer details of the policy. Each insurer will offer you these three basic types of insurance, but when you come to purchase one there will be optional extras that you can have which may affect the premium
What is Third Party Fire & Theft Insurance

• Liability for injuries to other people, including passengers

• Liability for damage to other people΄s property

• Liability of passengers for accidents caused by them

• Liability arising from the use of a caravan or trailer, while attached to the car

• Liability protection added to cover losses in the event of fire or theft of your vehicle

What is 'Third Party Only' Car Insurance Cover?
In other words, if you run into another car and cause damage to that car and injure the occupant(s) of that car, a Third Party Only policy will pay for the repair to that other vehicle, and will pay for any medical claims or injuries suffered by the occupant(s) of that other car and any passengers in your car other than you.

A Third Party Only policy will not pay for the costs of repairing your own vehicle nor will it pay anything toward your medical expenses if you are injured.
In other words, if you run into another car and cause damage to that car and injure the occupant(s) of that car, a Third Party Only policy will pay for the repair to that other vehicle, and will pay for any medical claims or injuries suffered by the occupant(s) of that other car and any passengers in your car other than you.
A Third Party Only policy will not pay for the costs of repairing your own vehicle nor will it pay anything toward your medical expenses if you are injured.
A Third Party Only policy will not pay for the costs of repairing your own vehicle nor will it pay anything toward your medical expenses if you are injured.

This is the most expensive of the three types of Car Insurance. It is also the insurance with the most features and the broadest spectrum of cover. A Fully Comprehensive Policy not only insures you against damage to your car but also meets any cost of repairing damage to other vehicles, regardless of who was at fault. 
For example, optional legal expense cover on Fully Comprehensive Insurance will pay any legal expense that arises from colliding with an un-insured car, although there is normally an upper limit you are not allowed to exceed in situations like this. Always read the small print carefully as these upper limits will be quoted in there, and being familiar with limits and exclusions in your insurance policy can save you any nasty surprises later. 
This type of cover usually includes:
Choose the right cover according to the value of your car and what risk you are prepared to take in terms of financial loss. If you are unsure seek the advice of an insurance company direct.
This covers the policyholder against damage to a third party's property or to the third party themselves. 
In addition, if your vehicle is stolen or catches fire, a Third Party Only policy will not make any payment toward the theft or repair of the vehicle.
Do you only need third party cover  - if so you could save a lot of money. This is also more likely to be suited to older vehicles with low residual value.