麻豆约拍

On the programme on 23 May 2024, car expert Abigayle Andre gives her tips for younger drivers when approaching the costly business of car insurance.
Abigayle says:
• Choose your car carefully – Every car has been assigned an Insurance Group between 1 and 50. Find out what this is – there are checking tools available online – and select a car in the groups 1-10, which are cheapest to insure.

• Share insurance policies – If there’s another driver in the household with a multi-car policy, it may be cost effective for the younger driver to join that. Alternatively, it’s worth considering whether a younger driver could be a ‘named driver’ on another policy in the household. Remember, it’s important to be truthful about who is the main driver and who is a named driver on an insurance policy – misleading an insurer about this is known as ‘’, which is illegal and may result in insurance being invalidated in the event of a claim.

• Shop around – Approach insurers directly, as some companies aren’t on comparison sites.

• Pick your job – How your job is described can really affect how much you pay. For example, a ‘chef’ may be charged more than a ‘cook’. Abigayle says it’s worth using to ensure you’re selecting the right job title that accurately describes your work, but won’t incur a large premium. Remember, it’s very important to provide an truthful and accurate job title to your insurer.

• Check the calendar – The timing of when you purchase insurance can make a big difference to how much you pay. Abigayle says buying it 23-26 days in advance of the renewal date is the “sweet spot” – so set a reminder on your smart phone.

• Enter your driving license details – Providing these details when buying car insurance helps confirm your identity and may lower your premium, so it’s worth digging it out and entering the details.