Learner Driver Insurance is now available for just £3 a day for 28 days of full cover or £2.73 a day for any subsequent 28-day periods recommended by an instructor.

Through this new insurance, young drivers will not have to pay out a fortune to protect their cars from accidents. Repairs alone could lead to the need for a debt management plan.

Simon Douglas, director of AA Insurance and the AA Driving School, said that many parents are put off adding their child to their own insurance policy as this can amount to hundreds of pounds.

He said: “It’s vital that young drivers gain as much experience as possible while learning, in addition to their formal driving lessons.”

It is hoped that the new insurance will encourage adults to teach their youngsters how to drive as this can help them pass, Mr Douglas added.

Student James Hayes was quoted a total of £17,000 in order to insure his £2,000 Vauxhall Corsa so he may benefit from Learner Driver Insurance.

From : Money Debt & Credit website

The PASS PLUS course can also help to reduce your car insurance. Past Txt-Drive pupils that took driving lessons in Bedford have saved upto £450.00 on their car insurance. To take the PASS PLUS course, contact Txt-Drive driving school in Bedford on 0800 8600 983 (FREEPHONE).

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Student James Hayes, who turns 17 next week, saved for months to buy his modest one-litre car but has been astonished at the sky-high quotes for insurance.

He will have to work flat out over the summer to pay the premiums.

His case highlights how insurers are increasingly using prohibitive premiums as a weapon against young male drivers.

The failure of insurers to offer reasonably priced insurance is being blamed on an explosion in uninsured drivers, which drives up the cost of cover for others and leads middle-class parents to commit a crime by putting themselves as the main driver on their children’s cars.

This reluctance to insure young men is based on accident statistics. 

Men aged 17 to 20 are almost ten times more likely to be killed or seriously injured on the roads than older drivers, while one in five new drivers has a crash within six months of passing their test, according to road safety charity Brake.

The Association of British Insurers (ABI) says the average claim of a younger driver is also three times more than older drivers.

But their refusal to cover male teenagers for affordable premiums has led to almost a quarter driving uninsured, according to Brake.

And this ends up costing all motorists as they foot the £500million annual bill for accidents caused by uninsured drivers. Fines for driving without insurance can be as small as £200 plus six points on the licence.

James Daley, editor of Which? Money, says: ‘Uninsured driving is just a knock-on effect of insurers charging high premiums. If insurers really want to combat this then they need to come up with innovative solutions to help young drivers reduce their costs.

‘It’s in everybody’s interests to encourage young people to be better drivers and those who are responsible and maybe need to drive for their job should not be made to feel as if they’re being discriminated against.’

Car insurance premiums have rocketed 11 per cent in the past three months, according to the AA. The average premium for drivers who shop around is £704, but most young drivers can expect to pay at least £1,500 more than this.

Mr Hayes says: ‘I used six comparison websites and the cheapest comprehensive quote I found as a learner driver was £2,257 with ibuyeco. This rises to £3,555 with Admiral when I pass my test. It’s ridiculous when my car is only worth £2,000.’

The most expensive comprehensive quote he received was from The Green Insurance Company at £17,000 per year.

Mr Hayes, who is studying for his A-levels, earns £5.60 per hour working at a supermarket during the holidays and weekends. As well as his insurance, road tax and MoT, he will also have to pay for driving lessons at £13 per hour.

Many youngsters get their parents to insure their car and go on the policy as a named driver – an illegal process known as ‘fronting’.

Mr Daley says: ‘This really is a middle-class crime. Families think: “Well, everybody else is doing it so why shouldn’t we?” ‘

Mr Hayes, who hopes to work in the film industry after he finishes his studies, does not want third party-only insurance and does not want to invalidate his insurance by fronting.

Direct line told him that it keeps all quotes generated by customers – so if someone initially got a quote for themselves, decided it was too expensive and got a new quote with their parent as the main driver instead, the insurer would not pay out on this policy because it has obviously been fronted.

A spokeswoman for Direct line says: ‘Fronting is fraud and the consequences could be grave – ranging from an additional premium being required, to the cancelling of a policy (and therefore non-payment of the claim) as well as the policyholder being added to the financial industry’s fraud database.’

Malcolm Tarling of the ABI says: ‘It is not uncommon for premiums for young drivers to exceed the value of their car.

‘The main risk is not loss or damage to the car itself, but the potential cost of personal injury awards made against the driver if they cause an accident. This can easily run into tens or hundreds of thousands of pounds.’

The best way for young drivers to minimise the cost of insurance is to shop around using comparison sites, such as Moneysupermarket.com, GoCompare.com, ComparetheMarket.com, Compare.dailymail.co.uk and Tiger.co.uk.

You could also find a local specialist broker on the British Insurance Brokers’ Association website www. biba.org.uk or by calling 0870 950 1790. For the cheapest cars to insure, visit www.thisismoney.co.uk/cheap

Will Thomas of Confused.com says: ‘When you’ve passed your test, take the Pass Plus course. Only 6 per cent of 17 to 25-year-old males do, but it saves them £1,037 on average before they reach 25.

‘Start with a small-engine runaround in order to build driving experience.’

From : Dailymail.co.uk

Txt-Drive driving school in Bedford has FULLY QUALIFIED driving instructors that can deliver the PASS PLUS course to you. The PASS PLUS course costs just £150.00 for 6 hours of driving lessons. The PASS PLUS course is designed for new drivers that have recently passed their driving test as it helps to develop their existing skills & it also provides more experience for the new driver. The PASS PLUS course covers motorway driving, night driving, all weather driving & much more. To book driving lessons in Bedford with Bedford driving school Txt-Drive, please call : 0800 8600 983 (FREEPHONE). To book yourself on the PASS PLUS course after your driving test call a Txt-Drive driving instructor in Bedford on the above FREEPHONE number or visit www.txt-drive.co.uk.

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Millions of parents are said to be breaking the law in order to save money on car insurance for their children.

New figures suggest that 41% of parents deliberately lie when filling out policy applications.

Parents are claiming to be the main drivers on the policy, when in fact it is one of their children who is the main driver, or owner of the car.

The practice known as fronting potentially offers large savings but could lead to prosecution.

‘Risky move’

Research by Co-operative Insurance found that 41% of parents were actually fronting policies at the moment, and 61% would do so in the future.

Typically, insurance companies identify the practice when a car is registered to the parents’ address in say, Manchester, but the car seems to spend most of its time in Leeds, where a child may be studying at university.

The industry is warning that it is an extremely risky practice.

“The view that motor insurance fronting is harmless and does not hurt anyone could not be further from the truth,” said Tim Franklin, of Co-operative Financial Services.

“Parents who believe they are helping their children to save money by fronting are not only risking prosecution, but harming their chances of obtaining insurance in the future.”

Costs

Tom Dunn is a 17-year-old who is learning to drive in Milton Keynes.

But that could be the closest he ever gets to owning a car for himself, because he acknowledges that he cannot afford to pay for the insurance.

“I think I would be able to buy a second-hand car, but I do not think I would ever be able to buy the car and pay for the insurance,” he said.

In a test to see how much Tom would have to pay to insure the car he is learning in – a Vauxhall Corsa – the cheapest was £4,000. That was assuming the car was kept on a private driveway.

Some parents are trying to reduce such costs by any means they think is legal.

Tom’s driving instructor, Bryan Greenall, said he was seeing more and more parents who are tempted to break the law by fronting their car insurance.

“I basically tell them to make sure everything is above board and legal. You do not want to be going down the route of something that is not legal, even though you do not know it is not legal,” he said.

Premiums

At the Motor Insurers’ Bureau – set up to compensate victims of uninsured drivers – they insist the high cost of insurance should never justify lying on an application form.

They say the premiums being charged are not excessive.

“Yes, £4,000 is an awful lot of money but it accurately reflects the risk posed by young drivers,” said Ashton West, the bureau’s chief executive.

Mr West is keen to stress that fronting was an attempt to obtain money by deception, and therefore amounted to stealing.

And it was not just a criminal record parents could be saddled with. Insurers could refuse cover, and deny insurance in the future.

“If you cause injury to a third party, you will have to pick up their costs as well,” said Mr West.

“That could be hundreds of thousands of pounds, and those consequences could stick with you for the rest of your life.”

To see for ourselves whether parents were aware of the illegality of fronting, the BBC spoke to some as they parked up in the centre of Milton Keynes.

Within the space of 15 minutes, we spoke to three parents who told us they would be perfectly happy to put themselves as the main driver on a policy, even when it was not true.

“Anything that saves money is a good idea,” one woman said.

When asked whether she knew it was illegal, she said, “I had no idea.”

Another woman admitted to actually having fronted in the past.

But she too was unaware of the illegality, or of the consequences.

The survey says hard times may be forcing parents to try and save money on insurance. But it warns that if they do so illegally, the ultimate price could be prosecution.

From : BBC website

Bedford driving school Txt-Drive offers the PASS PLUS course to newly qualified drivers in Bedford. The PASS PLUS will usually reduce the insurance by one year no-claims (this can be a saving of HUNDREDS of pounds). The course gives further experience to the driver & allows them to develop their driving skills – which they have learnt when learning to drive on their driving lessons.

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Charlotte from Bedford passed her driving test in Bedford.

She passed on her 2nd attempt & made just 5 minors during her driving test in April 2010.

Charlotte joined Txt-Drive from another driving school, which uses BMW Minis, as she was not happy with her driving instructor & had failed her driving test before.

Charlotte wrote to Txt-Drive to say : “I have not been driving that long with Txt-Drive, as I was previously with another driving school. In my previous driving lessons with the other driving school, it was not an ideal environment as it did not help my confidence. With Chris from Txt-Drive I quickly became a lot more confident in my driving & my abilities & passed second time with only 5 minors!! The confidence boost Chris gave me really helped & look at the result! Thanks Chris, I can’t wait for Pass Plus!!”

She did indeed go on to take the Pass Plus course with Txt-Drive & is just waiting for her certificate to arrive in the post.

Charlotte booked driving lessons in Bedford with Txt-Drive by calling the FREEPHONE number 0800 8600 983. You can also request a FREE call back from a Txt-Drive driving instructor by leaving your details on www.txt-drive.co.uk & an instructor will call you back to discuss any questions you may have or will book you in for your first driving lesson.

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Tom passed his driving test FIRST TIME & made just 6 minors.

Tom, a Sharnbrook Upper School student, took driving lessons in Bedford with Txt-Drive driving instructor Chris Deverell.

Tom was so happy with his experience with Txt-Drive that he recommended 3 friends to start taking driving lessons with Txt-Drive driving school.

Shortly after his driving test Tom said : “I would continue to thoroughly recommend Txt-Drive driving school as I have already recommend many friends. Thnks Chris, can’t wait for the Pass Plus course mate.”

Tom did go on to complete the Pass Plus course with Txt-Drive & is waiting to receive his certificate from the DSA. He is also hoping to receive a discount on his car insurance when he buys his own car.

You can book driving lessons in Bedford with a Txt-Drive driving instructor in Bedford by calling FREEPHONE 0800 8600 983 or you can text DRIVE to 80039 (standard text message rate). For more information or to request a FREE call back from a Bedford driving instructor you can enter your details on www.txt-drive.co.uk

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Drivers who agree to have the I-kube fitted will have their insurance premiums reduced by up to 40 per cent, and its makers hope the device will dramatically reduce the number of fatalities involving young people on the roads between 11pm and 5am.

A spokesman for I-kube said: ”Learning to drive is a rite of passage for many young people, but getting on the road can be costly in more ways than one.

”The use of this type of technology is more common in Europe, particularly Italy and Spain and not just for young drivers. Pay as you drive systems have been tried here, but we wanted to come up with something much simpler.

”Insurance premiums are typically very high for young drivers because the risks of them being involved in an accident are relatively high.

”For parents of teenagers, it’s understandably a real concern. We know that driving between 11pm and 5am is the most dangerous time for young drivers.

”So, by discouraging drivers from being on the roads between these hours, we reduce their risk of accidents, and therefore can significantly reduce the cost of their insurance.”

The I-kube works using a small hand-sized GPS device, which is installed on the car in around 10 minutes behind the dashboard.

It sends out a signal to advise the insurance company when the car is driven between the hours of 11pm and 5am.

If the car is driven during this time, known as the “red hours”, the policy holder will be charged £45.

Makers of the I-kube came up with the idea after it was revealed 17-25 year-olds made up more than a quarter of deaths as a result of road traffic accidents between 1999 and 2008.

And of the fatal accidents involving that age group, more than one in three happened between 11pm and 5am.

One in ten happens between midnight and 1am. Men are also twice as likely to be involved in a car crash than women.

A spokesman for I-kube added: ”Early indications are that I-kube is working brilliantly.

”Over 80 per cent of policyholders already insured with us are not driving at all during the red hours.”

”It’s proving particularly popular with parents of students who might be a long way away, as it can offer real peace of mind that their son or daughter isn’t running the risk of being on the roads late at night.

”We see the use of this sort of technology as a win-win for young drivers. It makes driving more affordable and ultimately, far safer.”

From : Telegraph website

Low cost driving lessons with Bedford driving school Txt-Drive are offered in addition to low cost Pass Plus courses. Become a safer driver by doing the Pass Plus course in Bedford. You will develop your existing driving skills (which you have gained whilst learning to drive) & have new driving experiences like driving on motorways, rural roads, night driving & all weather driving. Completion of the Pass Plus course should result in lower car insurance as you will be more experienced & safer driver.

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Sharnbrook Upper School student Dan passed his driving test in Bedford in February.

Dan, from Oakley, passed with just 6 minor marks. During the driving test in Bedford he was asked to do the emergency stop, left reverse & parallel park.

Along with many other pupils in Bedford, Dan chose to learn to drive in a new BMW Mini with the Txt-Drive driving school.

When Txt-Drive asked Dan if we could have a quote for the Txt-Drive website, he wrote to say : “Thanks for making my driving experience simple & making it easy for me to learn – as I’m not the quickest learner. I’ll definitely be booking Pass Plus with you. Bonus!!”.

Dan stuck to his word & did book himself onto the Pass Plus course with Txt-Drive driving school. He should find that his insurance is alot cheaper now he has gained extra training & skills from Pass Plus.

If you would like to book driving lessons in Bedford with a Bedford driving school which uses fully qualified driving instructors local to the Bedford area, please call Txt-Drive on 0800 8600 983 (FREEPHONE) or text DRIVE to 80039 (standard text rate).

For more information about driving instructors in Bedford visit www.txt-drive.co.uk for help & advise.

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A BIG CONGRATULATIONS TO ADAM who passed his driving test on Tuesday 12th January 2010 making just one fault!!

Adam, a Bedford Modern School student, passed his driving test FIRST TIME!! On top of that great acheivement, he passed with only one minor mistake!!

Adam wrote : “Chris is a quality driving instructor! I passed first time with only ONE minor & had a great time doing so! Definitely would recommend Txt-Drive to all my mates & will probably be doing Pass Plus soon.”

If you would like to learn to drive with a Bedford driving school, please call Txt-Drive on 0800 8600 983 (FREEPHONE).

Txt-Drive driving school is based in Bedford & have local driving instructors in Bedford. They offer driving lessons in Bedford in new BMW Minis & have student discounts & block booking discounts. Special offers & promotions mean that Txt-Drive driving lessons start from just £12 per hour.

For more information visit their website : www.txt-drive.co.uk.

Compare Txt-Drive to other driving schools & driving instructors in Bedford at www.bedford-driving-schools.co.uk

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We will be advertising the driving school to people in the shopping centre. People will be able to book driving lessons on the day with one of the Txt-Drive driving instructors.

You could even book a driving lesson or two for a friend or relative in the form of a Txt-Drive Gift Voucher. That way the receiver can set a date & time that suits them.

Special offers will be available on the day to those that book driving lessons.

If you are in Bedford town centre, come & speak to us about Txt-Drive driving lessons in Bedford.

To more information or to book driving lessons call : 0800 8600 983 (FREEPHONE).

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Four out of five motorists would back the idea if it helped curb “sins” such as overtaking on the inside or bad parking, the study found.

There was also strong support for making all drivers retake their tests periodically to iron out bad habits.

Overall 82 per cent supported the idea of adding a motoring etiquette section to driving tests, according to the poll carried out for Intune, the car insurer.

Those who take up more than one space in the car park or cut other motorists up on the road caused most annoyance, each cited by 80 per cent of respondents asked to identify the most irritating traits in other motorists.

Road rage and hogging the middle lane of the motorway were also near the top of the list of bad habits, singled out by 77 per cent and 75 per cent of respondents respectively.

Meanwhile two thirds said they would back a change in the law to force all motorists to retake their test periodically while four out of five said those over 70 should be made to do so.

“Statistically older drivers have more accidents but they are more likely to be minor accidents,” said Mark Gettinby, director of financial services at Intune.

“Older drivers should not be stereotyped as being bad drivers as the majority are safe drivers, just as there are some younger people who are poor or dangerous drivers.

“It is important for all drivers, regardless of age, to ensure they are competent behind the wheel and keep up to date with their skills and road rules.

“Taking the time to be courteous towards other road users will also help make the roads safer for everyone.”

:: GfK NOP polled just under 1,000 drivers for the survey.

From : Telegraph website

Book driving lessons in Bedford with Bedford driving school Txt-Drive. You will take the current driving test in Bedford. Txt-Drive driving instructors cover the DSA’s driving syllabus which includes many different driving subjects including parking. You will be taught where it is safe & legal to park your car. Book driving lessons with a Txt-Drive driving instructor in Bedford, call : 0800 8600 983 (FREEPHONE) or visit the website www.txt-drive-bedford.co.uk

Txt-Drive driving instructors offer the Pass Plus course. On the Pass Plus course you will cover 6 driving modules including motorway driving. You will be told how to drive correctly on the motorway, how to make progress by overtaking but also how to drive your car in a safe manner.

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