When you pass your driving test, it can be overwhelming. You have to drive on your own for the first time. You might need to drive on the motorway for the first time. To help you get over these new experiences, many driving instructors offer specialised ‘Advanced Driving Courses’. These are intended to offer extra practice in elements of driving that new drivers might not previously have experienced. One of the key selling points of these courses is that they supposedly lower the premiums that new drivers will have to pay on their insurance.
Does this claim stand up to scrutiny? A recent study has cast doubt. The suggestion that some driving instructors make is that passing advanced driving courses leads directly to receiving lower quotes on insurance premiums. However, the evidence of the recent study suggests that this might not be true. In fact, many people who have passed advanced driving courses do not receive quotes that are any different from anyone else.
However, this is not to say that these courses are without worth. They do provide invaluable experience and additional practice to new drivers. It is possible that passing an advanced driving course might lead to becoming a safer driver later in life. This would likely lead to receiving lower insurance premiums over a longer period of time. Therefore, passing a course like this might provide you with a lower overall price – if you are willing to wait.
Insurance costs are calculated through multiple metrics. How much your insurance costs depends on who you are, and how you appear to insurers. Insurers tend to value people who they think are unlikely to make a claim. As such, if you seem sensible, and a careful driver, you will probably receive a lower quote. At Alternative Insurance Brokers, we specialise in finding insurance for all sorts of people – whatever might be in their past. If you have a conviction, or points on your licence, get in touch with us, and let us help you out.