Reducing Premiums - special ratesInsurance
costs can be reduced by maximising the security of your vehicle.
If you completed a recognised driving course, insurance companies will consider
you a safer driver and lower your insurance. The best is the Advanced Driving
Test which is approved by the Institute of Advanced Motorists (IAM). Visit the IAM
website for more details.
Spending a few hours on a skid pan will teach you how to handle your car safely
in an emergency situation. The Skid Pan holds that car so the wheels are just
touching the ground giving the vehicle very low levels of grip. The vehicle
skids easily and can therefore be used to safely practice skid control. This may
reduce your insurance but even if it doesn't, these skills could save your life.
Any course that improves your driving skills such as track racing or rally car
racing is good. They may not reduce your insurance, but the more experience and
skill you have the less likely you are to be involved in an accident. This will
help you maintain your no claims bonus and indirectly reduce your insurance
If you are female, insurance companies will consider you more responsible whilst
driving and therefore a safer driver. Some companies will offer a reduction if
you have a shotgun license. You are considered to be more responsible and
therefore a safer driver. Speak to insurance companies to find out what special
rates they can offer.