Young drivers under twenty five could consider being placed on their parent's policy as a named driver, as insurance costs for young drivers can be high. However in most cases they will not be able to build up their own no claims bonus. Some insurers will not insure someone who is not the registered owner of the car also.
Most companies offer three types of insurance cover Comprehensive, Third party fire and theft and third party make sure you choose the one that suits your needs best. However cars valued at over £5000 normally can only be insured on a comprehensive policy.
If you are a new driver and looking for your first cheap local broker car insurance policy, it may be possible to get a discount if you have completed the Pass Plus driving programme. Check to see if it is included on the application form online.
If you are planning to cancel your policy you may lose out as you may lose that years no claims bonus and not recive any refund due to the cheap local broker car insurance refund policy. You can normally find a sliding scale of what you would recieve back as a refund. You may find this disapointing in most cases.
You should be aware that if you only have third party insurance you are not covered if your car is stolen or if you have an acciden that is your fault. Some car insurance companies do not offer third party only options.
