Can young drivers get cheap car insurance?New course claims to slash young motorist premiums
08 December 2010
A new driving course, which replaces traditional lessons, claims to be able to lower young motorists’ car insurance premiums by up to £600.
Called Drive iQ PRO, the course includes training from highly qualified tutors beyond the standard requirement to pass a test. This results in insurance partners offering cheaper fixed price car insurance matrixes for both provisional and full licence holders.
Drive iQ PRO: what is it?
Drive iQ PRO follows an Ed-Excel accredited BTEC syllabus and is split into five different modules, which include a post-test motorway, night driving and wet weather driving section.
The course itself is split into in-car tuition and online learning. The process encourages young drivers to think about driving in a new way, raising their level of self-awareness.
Once the course has been completed, the graduate will receive a BTEC level 2 qualification and will automatically be eligible to get cheaper car insurance through insurance partners in the course.
Andrew Boyce, co-founder of Drive iQ PRO, said: “Better driver education will save lives. Those who learn to drive PRO not only benefit long-term by becoming safer drivers, they are also rewarded financially.”
The average car insurance premium for young drivers is £1,956
Cheap car insurance and young drivers don’t usually appear in the same sentence.
Car insurance prices for 17- to 22-year-olds have risen by 47% in the last year - the largest jump in car insurance costs ever according to the AA.
The average cost of car insurance for a young driver has now risen to £1,956, and car insurance firms have said this is only going to increase with time, making it more financially difficult for young drivers to own and run a car.
The dramatic rise in car insurance costs in the last 12 months is a result of more uninsured drivers on the road (no doubt partly due to the high car insurance premium costs) and more accidents involving young drivers. Statistics show that new drivers are more likely to have an accident in the first two years after passing their test, due to lack of driving experience.
What about Pass Plus?
The most recognised driving course for new motorists - which also claims to reduce the cost of car insurance - is Pass Plus.
Pass Plus is a post-test course designed by the Driving Standards Agency (DSA) to build on the skills and knowledge a young driver attains through pre-test lessons.
Like Drive iQ PRO, it has post-test modules for driving on motorways and dual carriageways, driving at night and in all weather conditions.
However, many insurers refuse to acknowledge the completion of Pass Plus as a reason to offer cheaper car insurance.
Dan Moore, senior researcher in the Money Research Team at Which?, said: “I think it’s time that the insurance industry invests in its future, and does more to protect all of us, no matter what our age. It needs to support the Pass Plus scheme and give young drivers the chance to get affordable insurance.
“If insurers don’t act soon, with premiums rising as high as they are, more and more young drivers will take to the roads without cover. And that’s going to cause problems for all of us, whether we’re drivers or pedestrians.”
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