For may young drivers, affording the costs of motor insurance is an issue. With first time insurance costs running to several thousands of pounds in some instances, it is no wonder that younger motorits are looking for ways to keep premiums down.

There are many legitimate ways of doing this. Young drivers shoudl look at the type of cover they need, consider the pass plus course and their first car should have as small an engine as possible to keep the cost low.

However many young drivers look to insure in their parents name in an effort to make their first policy affordable.

If the main driver is a young driver, most companies will insist that they be the principle policyholder and will not allow them to be named on anothers policy. Deliberately insuring a car and misleading your insurer about your circumstances has serious consequences. In this particular scenario it is referred to as fronting.

If a claim should arise from a policy and the insurer discovers that you were fronting, then it can have serious repurcussions. Firstly they could refuser to pay a claim and they could go as far as to void your policy which could mean that the police deem you to have not been properly insured and the courts could then issue an IN10 conviction.

If a young driver is merely a part time user of a car then it may be legitimate to insure in this way. However the reality is that it might not save you the money you think it will.

The building of a No Claims Discount is one of the best ways of helping to reduce your Motor Insurance premium. This works through loyalty and history built up between yourself and your Motor Insurance Company.

If you have not claimed the company will calculate your premium and apply a discount to it, rewarding you for your safe driving. This figure, depending on the Motor Insurance company can range from anywhere between 30% and 60%.

These days many companies allow you to protect your No Claims Bonus by paying a small amount up front on your premium. This could be highly worthwhile when you consider how much your policy may end up going up in price next year given an accident this year.

It is very important that young drivers build their No Claims Bonus. If you insure the car in a parents name, whilst there may be a cost advantage in Year 1, it may transpire that in years to come this becomes a false economy.

The No Claims Bonus is a bonus weighed against the main driver. If a parent insures a car with a young driver on the policy then at renewal, the 30-40% disount you were expecting might be far less.

It is highly recommended that the main user of any vehicle be the main insured name. It can work out financially better and you can avoid the risk of invalid insurance.

The best course of action is to speak to specialists who deal with Young Driver Motor Insurance. Of course, the best money saving tip of all is to shop around! No one insurance company can give competitive premiums for every driver so check as many quotes as you can.

Motor Insurance – yourmotorinsurance.co.uk is designed to give information to a range of UK drivers about their motor insurance needs. It supplies quotes using a system that checks a number of different insurers. It also has zones dedicated to 17 year olds motor insurance and womens motor insurance

Tim Larden has worked in UK insurance for many years and works with this web site keeping up to date with the latest industry changes.

Is pass plus really worth it? What motor insurance discounts are available to people who have passed the course? Is it easy?

In the UK, pass plus is run by the driving standards agency who administer the course. Pass plus was set up by the DSA in conjunction with isnurance companies who wanted to reward young drivers who took a responsible attitude towards tehir safety on the road.

The course consists of six varied one hour lessons. You can only take the course once you have passed your driving test. Your driving instructor has to be recognised to be able to instruct on the course.

The process is that you take six lessons. Each lesson is designed to educate newly qualified drivers in safe driving techniques. The lessons concentrate on areas such as night driving, motorway driving and driving in poor conditions.

Once you have completed the six lessons, your driving instructor will send off your documentation and then you will be issued with a certificate.

This is your proof that you have passed the course and it allows you a significant discount with UK motor insurance companies.

yourmotorinsurance.co.uk uses a panel of insurance companies the most generous of these towards pass plus will allow you up to 20% off for pass plus.

Tim larden is an author for your motor insurance who specialise in Motor Insurance for Young Drivers and have special policies for first time drivers and pass plus qualified motorists.

What if your motor insurance provider told you that you could get up to 25 percent discounted from your next car insurance policy simply by showing them that you were a safe driver? It would sound obvious won’t it – after all, basically, isn’t that what a no claims bonus is all about? Well, you can guess again, because with the new “autograph” device getting up to 25 percent discounted on your car insurance policy in the years to come is going to be a very real experience!

What Is The Autograph?

Basically, an “autograph” is a device that you ask a garage to plug into the diagnostic part of your car (which can be found underneath your steering wheel). The autograph will then record all of your driving skills, including how fast you drive, your average speed, whether or not you need to suddenly break (and, if so, how often), the times of the day that you like to be out and about on the roads, what your average mileage is, what your longest and shortest journeys are. In fact, the list is endless. After a pre-determined period, say three or six months, you then return to garage that installed the autograph and they will uninstall it and replace it with a new one. The old autograph is then plugged into a computer and all the requested recorded data is feed into a computer and sent to your motor insurance provider. Your motor insurance provider can then take a look at all of this recorded data and can decide, more accurately, if you are a high or low risk driver!

Benefits of the Autograph

If you are a good driver, the benefits of agreeing to use an autograph are easy to see – after all, recorded data rarely lies! The downside to using an autograph is the fact that it is recording the data collected in the car. This has two effects – first, you have to have a car capable of recording this data (i.e., not too old); second, the data collection cannot differentiate between drivers. As such, if you have a car in your house that is driven by several different people, the autograph will not be able to tell who is driving the car at any given time. Consequently, if you have your son or daughter on your car insurance and they tell you they like to drive at 50 miles an hour, while the autograph tells the motor insurance provider they like to drive at 120 miles an hour, it’s not likely you are going to be getting the 25 percent policy premium discount you were looking for!

All in all though, as with pay per mile car insurance, getting cheap car insurance using an autograph device, although being the way of the future, is here to stay and will most probably benefit far more motor drives than it inhibits.

Joseph Kenny is the webmaster of the insurance site http://www.insure121.com/ where you will find information, news and links to the leading providers of car insurance in the UK