Bedford Driving Lessons | Txt-Drive

The teenager quoted £17,000 to insure his £2,000 Vauxhall Corsa!

Administrator — Thu, 29 Jul 2010 22:16:21 +0000

A learner driver has been quoted a staggering £17,000 to insure his £2,000 Vauxhall Corsa.

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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Brussels plans to test drivers on environmental friendliness

Administrator — Thu, 29 Jul 2010 21:59:47 +0000

Learner drivers could fail their driving test if they pose a threat to the planet, under proposals being draw up by the European Commission.

Braking suddenly, revving the engine or wasting fuel by being too heavy on the accelerator pedal could prove costly.

This is because Brussels wants to include “eco-driving” – cutting carbon emissions at the wheel – in the practical driving test.

The plans, which could consign “boy racer” drivers to history, were unveiled earlier this week by Siim Kallas, the EU’s Transport Commissioner as part of a comprehensive road safety strategy for the next decade.

It would be achieved by widening the current EU Driving Licence Directive, which is binding on all member states.

In Britain “eco-driving” has been included in the written test since September 2008.

But making it part of the practical examination would mean that learner drivers would not only have to be safe drivers but also “clean” ones as well.

“This is absolutely ridiculous,” said Claire Armstrong of the motoring group, Safe Speed.

“How is driving in an environmentally unfriendly manner posing a danger to other road users.

“In any case people want to drive in an economical manner, because keeping a car on the road is so expensive.”

Andrew Howard, the AA’s head of road safety, also voiced some misgivings.

“My concern that somebody could be mark down twice for the same piece of bad driving such as accelerating too fast,” he said.

“I suppose there would be one benefit, the young say they are short of money and this would encourage them to save fuel.”

But Stephen Joseph, executive director (check) of the Campaign for Better Transport, welcomed the initiative.

“This is a practical and common sense measure. Training people drive in this way would save them money and the planet as well.”

Eco-driving is one of a number of initiatives aimed at improving the next generation of drivers.

The EU also wants to introduce a probation period for newly qualified drivers, who would be subject to stricter restrictions than other motorists.

The Government gave the proposals a cool response. “We will study with interest the EU road safety strategy and the specific proposals within it,” said Mike Penning, a transport minister.

“This strategy outlines plans for the next ten years and at present there is no specific legislative proposal in this area.

“Any new proposals that emerge – including the widening of the EU driving licence directive – will be subject to scrutiny by the UK and European parliaments and subject to negotiations between Member States.

“We will negotiate strongly to ensure any changes to current legislation are consistent with our domestic road safety policy and represent the best interests of UK citizens.”

From : Telegraph.co.uk

Bedfor driving school Txt-Drive teaches learners on how to drive in an eco-friendly way. Driving lessons in Bedford with a Txt-Drive driving instructor cost from just £12.00 (call FREEPHONE 0800 8600 983 or visit www.txt-drive.co.uk for more information). Txt-Drive uses FULLY QUALIFIED driving instructors & give driving lessons in Bedford in the new BMW Minis.

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Parents ‘breaking law’ on car insurance

Administrator — Tue, 27 Jul 2010 20:58:54 +0000

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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L-drivers face tougher training to get licence

Administrator — Mon, 26 Jul 2010 21:23:28 +0000

SWEEPING changes on how young motorists are taught to drive will be introduced before the end of the summer in an attempt to cut the carnage on our roads.

Tough new rules will force learner drivers to undertake compulsory training before applying to sit their driving test.

The new process could cost them up to €700, the Irish Independent has learned.

The Road Safety Authority (RSA) last night said details of a Graduated Driver Licensing (GDL) system would be announced within weeks. It will include a requirement that all learners take a set number of lessons from a qualified driving instructor.

The changes will also oblige a learner to keep a logbook detailing the hours spent practising. Only motorists who pass an approved syllabus will be allowed to sit a test.

The move comes after last week’s horrific road accident in Co Donegal in which eight people died — the worst single collision in the history of the State.

Eight young men were travelling in a Volkswagen Passat when it collided with a Toyota Corolla. Seven passengers were killed and the driver remains in hospital. The driver of the Corolla, a 66-year-old man, also died. Gardai are still probing the cause of the crash.

But statistics show that inexperienced drivers, particularly men aged 17 to 24, are most at risk of dying on the roads.

Despite the number of road deaths falling to a record low, Ireland is one of the only countries in the EU that does not have a formal programme on how people are taught to drive.

The current system allows anyone who has held a learner permit for six months to apply for a test. During that period they must be accompanied by a qualified driver, but once they pass they are free to drive alone.

The changes will only affect new learner permit holders. Anyone who holds a licence now will not be affected.

“This system is in place in the UK, Germany, Northern Ireland and France. There’s very few places that don’t have it. It’s very similar to getting a pilot’s licence, you have to do your hours,” RSA chief executive Noel Brett said last night.

“We have done the syllabus and are working on the regulations needed. It will include a number of hours of training, and the syllabus will also cover the responsibilities of drivers.

“The first step will be to get the permit, then engage with an approved instructor and cover the syllabus. Drivers will clock up practice hours and have a logbook signed by the accompanying driver.”

Curfew

However, some aspects of GDL systems used in other countries will not be introduced. A curfew on learner drivers and a ban on carrying passengers were “not needed” here, he said.

Last year, the RSA issued a public consultation document setting out a range of options for a GDL system.

It said: “There is evidence that the best approach to learning to drive is a mix of compulsory lessons and supervised practice. Compulsory lessons would involve learners taking structured lessons set out in a programme specially designed to meet the needs of learners.

“The number of lessons would depend on the ability of the learner working through the programme but would be of the order of 20 hours.”

Driving lessons cost €35 per hour — meaning the total for 20 hours would be about €700.

The RSA would not confirm how many hours of training would be required when the plan was formally rolled out.

The changes are awaiting final sign-off from the Department of Transport and will be announced before the end of the summer.

- Paul Melia

Irish Independent

From : Independent.ie

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Calvin Klein designed BMW MINI

Administrator — Sun, 25 Jul 2010 20:58:54 +0000

On July 17th, the international community celebrated Europe’s biggest and most glamorous AIDS charity event in Vienna. In honor of the occasion, Diane von Fürstenberg, Calvin Klein and Kenneth Cole teamed up with BMW MINI to fight HIV / AIDS.

How cool do these BMW MINIs look? Would love to see a new version of the classic Paul Smith ‘multistripe’ MINI – but maybe with his ‘tangled multistripe’ on the BMW MINI. How about a RMC Martin Ksohoh (Red Monkey jeans) desgined BMW MINI?

To be honest none of these designer BMW MINIs compare to the Txt-Drive BMW MINI!!!

Txt-Drive driving school in Bedford use driving instructors from Bedford for their driving lessons in Bedford. The driving instructors are local to Bedford so can offer you lots of help & support when on driving lessons & prepare you for your driving test in Bedford. Unfortunately Bedford’s Txt-Drive driving school does not use the Calvin Klein designed BMW MINI – but you can book driving lessons in Bedford with our Txt-Drive BMW MINIs from just £12 per hour. Our driving lessons are very competitive & provide GREAT value for money!

If you would like to book a Bedford driving lesson with a Txt-Drive driving instructor, please call : 0800 8600 983 (FREEPHONE), text DRIVE to 80039 or visit www.txt-drive.co.uk for more information.

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Learning to drive for 100 years

Administrator — Sat, 24 Jul 2010 15:56:55 +0000

The British School of Motoring is celebrating 100 years of lessons today.

To celebrate its centenary, BSM has put together 10 things you probably never knew about learning to drive.

See if you knew any of the following:

• BSM began providing driving lessons from 1910, but it took 25 years for the driving test to be introduced in 1935.
• The average amount of driving tuition today is 52 hours. In 1935 it would have been in single figures for some.
• There were no test centres in 1935, so you had to arrange to meet the examiner somewhere like a post office, train station or town hall.
• Candidates no longer had to demonstrate hand signals in driving tests from 1975.
• In 1934, an hour’s lesson with BSM cost 50p.
• The first edition of the Highway Code was introduced in 1931.
• From 2003, instructors had to start teaching basic vehicle checks as ‘show me, tell me’ vehicle safety questions were added to the beginning of the driving test.
• The minimum driving age of 17 was set in 1930.
• In 1975-76, 48% of British residents aged 17 and over held a licence. This grew to 57% in 1985-86 and 69% in 1995-97. By 2006 it had grown slightly to 72 per cent but dipped back to 71% in 2007.
• Shetland has the highest test pass rate in the UK with 66%. At 28%, Wood Green in London has the lowest. Overal, the UK pass rate is 44%.

From : Whatcar?

Bedford driving school Txt-Drive, which uses fully qualified driving instructors in Bedford, give driving lessons in Bedford and charge from just £12.00 per hour. Driving lessons are in the new BMW Mini.

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MINI plans smaller, cheaper model

Administrator — Mon, 19 Jul 2010 21:31:44 +0000

MINI will make an entry-level model that’s smaller, cheaper and more efficient than any since BMW took over the brand.*

The new city car concept will be unveiled at the Geneva Motor Show in March 2011. It will be based on the current MINI hatchback, but shortened and possibly with only two seats.

Little is known about the concept at present, though MINI sources have confirmed its existence. An intelligent three-seat layout like that of Gordon Murray’s T.25 city car could get the go-ahead.

It will have a front-engined, front-wheel drive (FF) layout, the same as the current MINI’s. The Smart Fortwo, which could be its main two-seat rival, uses a rear-engined arrangement.

The reason MINI will stick with a FF architecture is to keep costs down; cost is the main stumbling block when developing a city car. As one source told Autocar: “it’s one thing making a good looking small car but it’s another thing making money on it.”

Adhering to stringent EU crash protection regulations are a particularly significant factor in small car development costs as well.

Power will come from a small petrol engine, possibly three- or even two-cylinder, with exceptionally low fuel consumption.

It’s likely the new MINI city car will appear in showrooms by the start of 2012, with prices beginning below £10,000.

From : Yahoo!

Bedford driving instructors from the Bedford driving school Txt-Drive use the BMW Mini cars to give driving lessons. Each new BMW Mini is kitted out with alloy wheels, air conditioning, He-Man dual controls, parking markers, blind spot mirrors, fully adjustable seats & steering wheel. The BMW Minis also have the recognisable Txt-Drive graphics and roof top box.

Learn to drive in a BMW Mini in Bedford with fully qualified driving instructors. Call 0800 8600 983 (FREEPHONE) to book a driving lesson in Bedford. Our driving school prices are extrememly competitive & start at just £12.00 per hour. Low cost driving lessons with driving instructors in Bedford.

* and it will still probably be bigger than the Fiat 500!!! Haha!

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North-south divide on petrol prices

Administrator — Fri, 16 Jul 2010 12:49:48 +0000

Travellers motoring to tourist hot spots in the summer holidays are set to suffer from a continuing north-south divide on petrol prices, the AA has warned.

Average petrol prices in southern Britain are almost 2p a litre higher than in northern Britain, compared with a difference of just over 1p a litre last summer, according to an AA fuel price report.

This will particularly hit those needing to fill up in the West Country – one of the top holiday locations, the AA said.

It added that pump prices are now nearly 14.5p a litre higher than the start of last year’s summer holiday season.
Petrol prices this year have fallen from an average of 118.08p a litre in mid-June to 117.46p now, while diesel has gone down from 120.52p a litre to 119.73p.

The most expensive petrol at present is to be found in London where prices average 118.7p a litre. The cheapest, at 116.2p a litre, is in north west England and in Yorkshire and Humberside.

The dearest diesel is currently in Northern Ireland (121.1p a litre) and the least-expensive is in Yorkshire and Humberside (118.8p).

AA president Edmund King said: “Summer is the time when lack of fuel-price competition in the most populous part of the UK and sustained increases in fuel duty bear down hardest on businesses that rely on customers to drive to them, such as in the tourism industry. Petrol retailers and the Treasury need to remember that.

“The average price of petrol and diesel may have fallen 3p-4p from the highs of mid-May but fuel is still 14% more expensive than this time last year and that will hurt holidaymakers and their hosts alike.”

From : DailyFinance.co.uk

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Elderly motorists need more support

Administrator — Fri, 16 Jul 2010 12:23:23 +0000

Medical checks, driving evaluations and better public transport could all help older drivers stay safe on our roads.

The RAC report on motoring, out this week, highlights strong support from 84% of older motorists for refresher driving courses. With over three-quarters of 70-year-olds driving for over 30 years, and 86% having no additional driver training or assessment since passing their test, the driving needs of elderly motorists must be reviewed. Whether this translates into regular medical checks and refresher courses for all drivers, or when the driver reaches a certain age, the debate must be led by both government and society and any changes must be based on hard evidence.

Statistics show that, although older motorists have no more accidents each year than other drivers over 25, they are more likely to be the cause of an accident. Our research reveals that seven out of 10 of Britain’s motorists are concerned about older people driving on the roads today. And with over 3 million older motorists on the road – set to double to over 6 million in the next 20 years – that is a large number of drivers to worry about. Indeed, around two thirds of British motorists support compulsory medical checks and driving evaluations for the elderly.

So, government needs to consider initiatives to help the older generation to continue to drive safely. Perhaps we can learn from our European counterparts? In Spain, a driving licence is valid for only five years when the holder is aged 45 to 70, and two years from 70 on. A person over the age of 70 is asked to present a medical certificate at each renewal. In France, once aged 75, you must pass a medical test every two years to retain your licence. Much stricter than the UK’s current rules, where motorists at the age of 70 get their driving licence renewed for 3 years with a self-declaration of fitness.

Improving the quality of our roads would also go a long way to ensuring older motorists’ confidence: 14% of older drivers lack confidence on driving on damaged roads with potholes. This means nearly 500,000 older drivers are having difficulties on our roads today. Improving public transport links and networks to ease the mobility of older people would also help, as our research shows half of all older motorists would use their car less if public transport were better. Government needs to make better provisions for managing and repairing the roads, as well as provide viable transport alternatives.

The challenge for society is to ensure that older generations are competent drivers, and we need to have a serious debate about the practicalities and benefits of refresher courses, compulsory medical testing and driving evaluations.

From : Guardian website

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Independent driving in the driving test by October 2010

Administrator — Wed, 14 Jul 2010 22:20:43 +0000

This video from the DSA YouTube Channel gives an insight into what the new independent driving part of the driving test involves. The independent driving part of the test will be used in practical driving tests from October 2010.

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