Car Insurance

Insurance for the learner and first-time insurance driver

In this blog, I am going to look at why we need Driving Insurance. Explaining what Car Insurance is and the different Types of Insurance you can buy and some of the language used by the insurance company. Then explain how Black Box Insurance works and then give you a chance to experience how it works for free by using a Telephone App that works like the black box but costs nothing to try.

Car Insurance

Having car insurance is essential because it covers your expenses in the event of vehicle damage or injuries to other drivers, passengers or pedestrians. All motorists must be insured against their liability to other people, as stipulated in the Road Traffic Act 198

Buying insurance for the first time can be confusing

Because the companies use word and language that those who are not familiar with.

Let’s look at some of the basic words that are used. What Different types of car insurance you can buy, there is Third Party Insurance, Third Party, Fire and Theft and Full Comprehensive

Third Party Insurance is the cheapest type of Insurance and only covers the Basic Requirements of Law and will pay for the Third Party’s repairs.

Third Party Fire and Theft is the same as Third Party but with the added extra of paying you if the car is hurt or stolen.

The Final type of Insurance is Fully Comprehensive. Which covers all the previous types of Insurance plus the repair to your car and physical damage to you or anyone accompanying you.


Insurance Jargon Explained

Now let’s look at some of the other Jargon used by Insurance Companies – Legal Liability that is the legal requirements to cover the costs involved dealing with handling an accident. Covering the payment to solicitors and other people involved in the insurance business

Another word of Jargon used is Excess this is an agreement to pay a some of money should there be an accident. By agreeing to pay say £200 towards the initial cost of the accident. Setting an excess agreement the insurance company can reduce the cost your insurance.

Lastly, there is No Claims Discount this is the extra discount given after a year’s payment of insurance different insurance give different levels of insurance. No Climate insurance is what makes your Insurance cheaper in the first few years of paying for your insurance. Also, why if you have not paid to protect your growing in discount your insurance payment can increase if you have an accident.

Insurance companies will also increase your payments if you get points on your licence for say speeding or drink driving.

IPT stands for Insurance Premium Tax. This is a tax that must be added to General Insurance premiums in the UK. The current rate of IPT is 12%.

Insurance groups

What Group of Car do you have?

Well, in terms of a lower car insurance price, it’s worth understanding more about car insurance groups. All cars are included in what’s known as the Group Rating System, which evaluates vehicles and assigns them to one of 50 groups based on several factors, including performance, safety features, and the cost of parts. There’s more detail on car insurance groups here, but in short, the lower the number of group that your vehicle belongs in, the better the chances you having a lower insurance price. For example, if your first car is in group 5, it should be cheaper to insure than a car in group 20.

Initial Types of Driver Insurance as recommended by Marmalade Insurance

Named Young Driver Insurance

Marmalades Learner Driver Insurance helps you get the much-needed private practice you need, in a friend or family member’s vehicle (up to insurance group 32 and £30,000), while giving you the assurance that you’re fully covered in a way that doesn’t risk their No Claims Bonus. You can get cover from 30 days to a year and then renew as often as you need too, until you pass (and you will!)

Learner Driver Insurance

Marmalades Named Young Driver Insurance offers comprehensive cover for you, on the family car. It’s a unique way for a young driver to get insured for up to 5000 miles per year, without risking the owner’s No Claims Discount. We use clever black box technology to know when you’re behind the wheel, and you can start earning your own No Claims Discount. We offer cover before and after you’ve passed your test, and the price won’t go up when you pass!

Marmalade Driver Insurance could save you money insuring your own car. We use clever black box technology to help you develop safer driving skills – and the great news is there are no curfews, so you can drive when you like. We’ll cover you on a full or provisional licence and the price won’t change just because you pass your test, unlike some other insurers who will hike the price when you pass!

Student Driver Insurance

Student Driver Insurance gives students, who have passed their test, the opportunity to insure themselves temporarily on a friend or family member’s vehicle – ideal for when you are visiting home in the holidays! The cover is available for 7, 14, 21 or 28 days and we cover vehicles up to 7 years old and insurance group 26. The good news is, that there is no risk to the vehicle owner’s no claims bonus if you have an accident (which we hope you won’t!)

Initial Types of Driver Insurance as recommended by Marmalade Insurance

What documents are needed for a black box installation?

In order to have a GPS box installed, there are some key pieces of information you’ll need to show to the installer. These include:

  • your driving licence (or the certificate showing you’ve passed your test if you’re awaiting your licence)
  • the V5C (logbook) that shows proof of car ownership and ownership history
  • confirmation of the car purchase from your dealership if you’re still waiting for your V5C
  • proof of your no-claims bonuses from previous insurers, if this is relevant.

What data do telematics devices collect?

Most telematics devices operate with accurate and reliable GPS technology and are used to capture:

  • max/average speed travelled
  • acceleration
  • braking
  • cornering
  • latitude/longitude
  • elevation
  • distance travelled
  • number of journeys
  • journey time
  • road type
  • G-force (impact detection)

To help you get the feel of how a Black Box work I have found that Aviva have a Phone App that you can let you use your Phone as a Black box. Not only will you get results as from a black box but also in case of accidents you will get a Video.

Aviva Drive doesn’t just save you money – it comes with a whole host of features.

Aviva Drive doesn’t just save you money – it comes with a whole host of features.

insurance motor aviva drive logo public editorial card

The Aviva Drive App – doesn’t just save you money – it comes with a whole host of features.

Automatically saves footage
Dash Cam automatically detects collisions, then saves the footage so you have video evidence to support your claim (and you can manually save footage too)

Explain it with Dash Cam
The evidence provided can help you explain your claim to us, and could support you if you need to make a legal claim too

Forgot to record? The app automatically detects when you’re on the move and notifies you when it starts recording – but you can switch it off if you’d like to

Car Insurance discount
Earn a discount on our car insurance. Put your skills to the test over 200 miles and get a score out of 10 – the safer you drive, the more you could save

Challenge your friends
Unlock badges for good driving skills, then share with your friends – who’s the better driver?

How much could you save?

Drivers who score 7.1 or more save an average of £170 on our comprehensive cover – but how much could you save? This table shows the levels of discount you could earn based on your driving score and premium. This is based on our normal annual new customer price (excluding optional extras, vans and motorcycles).

Aviva Drive driving score Annual Price under £200 Annual Price £200 – £399 Annual Price £400+
0 to 3 No additional saving available 0% 0%
3.1 to 5 No additional saving available 3.5% 7.0%
5.1 to 7 No additional saving available 7.0% 14.0%
7.1 to 10 No additional saving available 14.0% 28.0%

Take car if you get Insurance with your parents there are some hidden pitfalls please watch this video

Leave a Comment

Translate »