Teenager Will Drive Soon?
It seems like a “right of passage” from childhood into becoming an adult. Your child has turned17 and MUST have a car because everyone seems to have one. Teenage drivers have freedom away from Parents, acceptance by their peers and the ability to show off (with the right vehicle of course!).
Teenage Driving Statistics
Motor vehicle crashes are the leading cause of teenage, injuries, damage to property and death in the UK. An average of 600 teens die and another 30,000 are injured annually across the nation. Teenage drivers have crashes for many reasons, but the most common will be overconfidence in their abilities, which often leads to speeding, impaired driver situation awareness, being distracted, or just plain inexperience.
In the UK, teens (17 to 20 years of age) are involved in 30% of crashes, they are particulalry vulnerable where traffic density is higher the frequency here is often twice as high as the usual level of incidences. Recent statistics show that motor vehicle crashes involving young drivers is the number 1 killer of teens with higher than average frequency of injuries and disabilities caused by motor accidents in the UK. Whilst crashes account for only 2% of all deaths nationwide, they account for a surprising 70% of teen injury deaths. Speed, distraction, fatigue and inexperience, coupled with their lack of driving experience, are all factors in the accident statistics.
At Crosby Insurance Brokers we want to help you as Parents to understand the need to keep your children safe whikst on the road. We will show you and explain how to create a contract and promise to drive safer on the road despite pressure from their friends and the need to prove they can handle the extra responsibility you have provided to them.
That's right! Don't forget without your financial support, in providing driving lessons, and the opportunity to drive a car, this project would not be getting off the launch pad and would remain a distant dream. So don't forget you hold the strings, and you want to have the experiences and freedom you had, but there is a responsibility and an obligation that you get this right first time. Be mindful, there is a reason young drivers car insurance is expensive, and if you compound the problem with a claims and motoring offences in your first year, next years premium will be even higher than this years. You don't want to plans to fall apart and potentially knock you off the road, maybe for several years while you pull the finances together again to start over.
So what do you need to do?
- Get a lowed powered car 1000cc or less
- Don't let your teenage driver go out in the vehicle after 9pm, have a curfew.
- Don't let them drive the car even when they have passed their test with more than 1 passenger in the vehicle, as a group of friends will egg them on to take risks which are unneccsary
- Ask them to keep to routes and journey time they are familiar with as traffic flow and density are different at different time of the day. Keeping to the same routines will ensure that the unexpected is reduced
- This may seem obvious, but keep to the speed limits, the major factor in all road accidents, is speed. As they say in the Government adds it's 30 for a reason.
- When your in the vehicle with them what for bad habits forming, and ask that they do not do that, explain the reasons why we don't run amber lights, or speed or park badly etc etc.
- Praise good driving habits when you see them drive
- Encourage them to be considerate & patient to other road users.
Rember the name of the game is to get your premiums to reduce with maximum discounts and all these actions will have an impact. Be safe be sensible!
In fact, because of the high incidents of accidents the Government have a written examination prior to the road test and Pass Plus course is also an option to consider, given that insurers use this course provide a discount off their normal premiums.
First is the Provisional Licence phase which allows a Young Driver to gain sum experience driving either with a qualified driving instruction or while being accompanied by a driver over 25 years with a Full UK Licence for at least 3 years. The there is the Written Exam Phase where the teen provides proof of their knowledge of road signs, signals and a suitable knowledge of the highway code. Only after successfully completing both phases will the Young Driver be allowed to take a Drivers Test to assess their driving skills by an Approved Government Driving Examiner. Once you have satisfied the Examiner you have attended the minimum skill and ability to drive carefully then you will be granted a Full Drivers Licence . As your teen learns this new and important skill, practice is very important. As a parent or guardian of a new driver, spend as much time as possible helping and teaching your teen good driving habits.
Here is few tips about driving sensibly it just makes good sense:
- May not drive between midnight and 5:00am
- May not have more than one passenger in the car who is under 21 and not an immediate family member
- May not use a cell phone (including hands free), or any other hand held electronic device
- Driver and ALL passengers must wear seat belts
Stan Crosby Fraud & Motor Insurance
Insurance statistics show that since the youthful driver is significantly more likely to have an accident than a typical adult driver, so there will be a higher premium charged when the youthful driver wants to drive on the Public Highway.
One of the practices we come across form time to time is where the Parent buys the car for the Young Driver and provides details that the parent owns the vehile, registers the vehicle and is the main user of the vehicle. But really they said that just to get the premium lower, when the reality will be the Young Driver is the main user and the owner. Be warned that if you declare this to an insurer and you make a claim and comes out that the Young Driver is the main user the insurers can refuse to deal with your claim.
This means you will personally have to deal with the claim and if it involves injuries to multiple drivers and damage to other road users you could end up paying the claim for the rest of your life. As all UK Motor Insurers share their claims information between each other this would effect all your motor insurance policies as this information would have to be disclosed to all the insurers you have a vehicle policy. The consequences would be substantially higher premiums and the insurers may refuse to insure you at the renewal date of the policy or indeed request cancellation of cover.
We caution you against this practice. The Financial Services Authority have very clear rules to Motor Insurers this will protect the honest road user, but if you knowingly miss-lead an insurer then you have no protection with the regulator of Insurance in the UK. In addition, the policyholder could face a criminal charges if they feel fraud was the intended outcome.
Insurance-Friendly Cars For Teens
The decision is made. You want to buy your son or daughter their first car. But what to buy? You know it's not only the car model you have to consider. You also have to think about the impact the car will have on your motor insurance.
Insurance companies surcharge youthful operators in three areas:
- Comprehensive (theft)
- Collision (damage caused to the vehicle in an accident
- Buy a car with an engine size less than 1000cc
- Do not buy an exotic model of a small car e.g. VTR, GT, SXi etc
- Small cars that don't pay road fund tax is the best option
Remember the first year of a Young Driver is the most expensive once you get 12 months without claims or losses the insurers will give you a 30% discount off next year. They will also allow an age discount which can be as much as a further 15%, so you can see the discounts are worth having as long as you are careful, safe and sensible, If you do have a claim then you will not receive these discounts and in all likelihood next years premium will be a lot more than this years premium.
Let us assist you in making a good choice for you. Contact Crosby Insurance Brokers and one of our agents can help you make the right decision when buying that first car for your teenager.