Can I get insurance on a provisional licence?
Yes. We can offer cover for both provisional insurance and full licence holders aged 17 to 25. We've teamed up with a panel of specialist insurers that offer different packages - based on the type of licence you have. Call us on 0800 731 3378 and we can talk you through the options available to you.
Will my data be passed on to any third parties?
Your driving data will not be passed on to any third parties other than your insurers unless required for the prevention and detection of crime.
What happens to the box data?
The box is fitted to the vehicle to monitor if it is in motion during the Red Hours (11pm to 5am). If the vehicle is used during these high risk hours, a red hour charge of £100 per night is applied.
Your insurers may also use this data to adjust your premium should you significantly exceed the annual mileage declared at the beginning of your insurance cover.
As with many GPS devices, the box can also gather and record other useful items of data. During your first year of insurance with us this additional data is not used but will be invaluable in providing you with an accurate, behavioral based, quote at renewal.
Your insurers will be able to quote you with an accurate record of your annual mileage, the type of roads you have travelled on (some roads are deemed higher/lower by insurers such as country roads, dual carriageways etc) or give you a discount if you did not drive during the red hours in your first year.
Is there a limit to the number of times I can drive in the red hours before my young drivers insurance is cancelled?
There is no limit to the number of times you can drive in the red hours; however, the young drivers car insurance scheme is in place to help you save money. If you will be frequently driving your vehicle during the Red Hours then perhaps this policy is not for you.
An additional premium of £100 is applied each night you use your vehicle in the Red Hours. If you do not use or move your car during the 'red hours' you will not be charged this fee and all you will pay is your usual monthly or annual car insurance premium.
Failure to pay any premiums may result in your policy being cancelled.
I might need to move my car after 11pm if I've blocking someone in my driveway. Will I be charged?
No. We understand that you may need to move your car in circumstances such as this. As long as your car does not move more than 100 meters then you will not be charged.
Do I have to have the Pass Plus qualification?
No you don't have to have the Pass Plus qualification, but if you do have the pass plus, statistically you are less likely to have an accident. Your insurers may provide a discount for the pass plus qualification which could greatly reduce your premium even further. You don't need to complete the pass plus before you take out the policy, we will allow you 42 days from the start of the policy in which to complete the course.
There is a lot of government funding available for road safety and pass plus, you may wish to look at www.passplus.org.uk. This website gives details on the course and many of the councils that are involved have a reduced price scheme.
Do I still earn No Claim Bonus?
Yes. When it comes to earning No Claims Bonus or No Claims Discount, this policy works no differently to any other insurance policy. On completion of a full term of young driver insurance (12 months) you will accrue one year No Claims Bonus which can be transferred to your next policy at renewal. This is subject to there being no fault claims during the life of the policy.
Does my vehicle have to be parked at my home address during the "Red Hours"?
No. As long as your vehicle is not being driven or moved during the "Red Hours" then your vehicle can be parked up anywhere in the U.K.
How many and what type of modifications are allowed?
Dependent on insurer, minor cosmetic changes to your vehicle may be allowed However, all modifications need to be referred and must be disclosed.
Will I be allowed to drive other cars?
This policy does not allow you to drive any other car. The only car you are covered to drive is the one shown on your certificate of insurance.
What if I do not own the car?
The policy is designed to allow young drivers (aged 17 - 25) gain their own No Claims Discount on their own vehicle. Hence, the insured (i.e. main driver) must also be the registered owner and keeper of the insured vehicle.
Can I insure my car in my parent's name?
No. This is known as "insurance fronting". This is illegal and is classed as obtaining insurance by deception. If the vehicle is solely or predominantly used by the young driver the policy must be insured in the main driver’s name. If the insurer finds out they are likely to cancel the policy or worse still, in the event of an accident, refuse to pay out.
However, there is a considerable discount for adding a parent (one other mature driver) as a named driver on your policy. As long as the named driver is not over 70 years of age and is only a casual user this can make a huge difference to the premium.
Can I add my girlfriend/boyfriend on the policy?
If the named driver is over 25 there are no restrictions in that sense however all drivers must be names and must fit your insurers criteria and be legally fit to drive. The 11pm to 5am restriction applies to all drivers.
Can parents also use the car that has been fitted with the box and how does the system know when they use it out of hours?
Parents can use the car provided that they have "driving any other vehicles extension” on their own insurance, alternatively they will need to be added to the insurance as named drivers (not main drivers). As the box is fitted to the car, regardless of who is driving, if the car is driven between 11pm and 5am, the Red Hour Charge applies.
Can I have a non-UK drivers licence?
We can accept both full UK and European drivers licences but is unable to accept international licences.
Can I drive abroad?
Yes, the policy does allow driving within the EU. Dependent on the insurer, you can drive for up to 90 days (3 months) within each policy year.