Deciding Where and Who To Buy Cheaper Car Insurance From

There are hundreds of car insurance companies offering untold numbers of differing policies to UK young and senior drivers, so there are a few simple rules to remember and also a few tips which should make it allot easier for you to single out the most important information relevant to you. Shopping for car insurance online is faster, and more convenient than using the phone. Increasingly car insurance companies offering specialist online insurance cover and the prevalence of online discounts mean better consumer prices for young and old alike!

Do Young, Mature and Newly Qualified Drivers Get Penalised?

Motoworld understands the difficulties in getting cheap car insurance for both young & senior drivers. Your age is as much a factor as the engine size of your car when your insurance costs are being calculated.

If you are over fifty this could work to your advantages and we recommend you get a quote from Direct Line Car Insurance or MORE TH>N, but if you are looking for UK young driver car insurance then yes, you will more often than not find that you will be penalised for your age, paying hefty insurance premiums normally over £500 and I have heard stories of insurance policies prices running into the thousands!

Most insurance companies will charge the younger and more inexperienced drivers considerably higher insurance premiums because, statistically, they fall into a higher risk category. Oddly enough a recent article on one of the UK most informative insurance sites suggests that the RAC recently conducted a safe driving survey and it found that typically young drivers between the ages of 18 and 23 years old were more likely NOT to break the speed limit than drivers aged between 25 and 34 years old! This is a complete opposite to their driving while under the influence of drink or drugs though. Read the latest report published by Brake below.

Some UK insurers may even refuse your application solely because of your age or charge the maximum amount for their car insurance premiums. If you are a young driver, older new driver; whether male or female, we have searched for the best deals available for you and offer the very best UK insurers for you to get your quotes from. We here at MotoWorld.co.uk suggest that young drivers take the time to complete at the very least 3 online quotes and we are sure that with the help of the easy online quote forms by our chosen online insurance providers featured here you will be pleasantly surprised.

If you do not have the time then at the very least get a quote from ComparetheMarket.com and Endsleigh Car Insurance. swiftcover.com recently released a press release in which they name 10 of the cheapest cars to insure. Here is their list *You should get the general idea when you read the list..

Remember Motoworld would really love to help provide you with the very best opportunity to find cheap UK car insurance for both young, new and senior drivers!

Young Drink Drivers Think They’ll Get Away With It, Warns Research By Road Safety Charity
24 Dec 08

A worrying number of young drivers think there’s no chance they’ll get caught if they drink and drive this festive season, finds research published today by Brake, the road safety charity and Green Flag Motoring Assistance.

The research compared the opinions of younger and older drivers and found that younger drivers were twice as likely to think there was no chance they would get caught drink driving. Out of a survey of more than 4,000 drivers, 1 in 12 young drivers (aged 17-25) thought there was no chance at all they’d get caught if they chose to drink drive, compared with 1 in 25 older drivers.

The findings are being released at a time when police publicise high-profile drink drive checks. The news also comes as road safety campaigners prepare their responses to a Government consultation on ‘road safety compliance’ including enforcement of drink drivers. The consultation invites opinions on targeted drink drive check points by police, but falls short of proposing random drink drive testing, which would allow police to stop and breathalyse someone without reason to suspect drink driving. At the moment, police are only allowed to stop and breathalyse a driver if they have reason to suspect they are drunk; for example if they are driving erratically.

Brake is calling on the Government to implement random drink drive testing by an increased number of traffic police. Countries such as New Zealand and Australia, have successfully implemented random testing, often conducted at key times such as club kick out times late at night. Brake is also calling for a reduction in the UK’s drink drive limit which is one of the highest in the world. Brake has been calling for some years for a limit of 50 mg/100 ml or less, compared with the current 80mg which encourages drivers to think one or two drinks is fine – whereas the truth is that any amount of alcohol impairs your driving.

Facts About Young Drink Drivers

• One in eight car licence holders are aged under 25, yet in more than one in three (35%) car crashes involving alcohol the drunk driver is aged under 25.
• More than 1 in 5 (22%) offenders convicted of being drunk drivers are under 25.
• One in three drivers who die on UK roads are under 25.
• In New South Wales, Australia, since the introduction of random breath testing in 1982, fatal crashes involving alcohol have dropped from 40 per cent of all fatalities to 19 per cent. (RTA New South Wales 2008 (www.rta.nsw.gov.au))

Mary Williams OBE, chief executive, Brake: "Without a strong deterrent, young people prepared to risk drink driving will have no reason not to - and this research shows that for a significant minority of new-generation drivers, that deterrent simply isn't seen to be there. Drink driving can only be eliminated through a multi-pronged approach of strong, ever-present enforcement and constant high profile TV advertising explaining that you won't get away with it. This just doesn't exist in the UK. As a charity, all Brake can do is implore all drivers not to drink and drive this festive season - not a drop - to prevent the most appalling deaths and devastation to families at a time of year that is supposed to be about love and caring."

About Brake
Brake is an independent national road safety charity which promotes road safety, runs community road safety training programmes and events including Road Safety Week (23-29 November 2009). Brake’s Fleet Safety Forum provides up-to-date fleet safety resources to fleet managers. BrakeCare, Brake’s support division, cares for road crash victims through a helpline and other services. Individuals can sign Brake’s Pledge to Drive Safely and call Brake’s Zak the Zebra hotline to name and shame dangerous roads in their area. For fundraising ideas to help Brake visit http://www.brake.org.uk