Tag Archive: learner car insurance

  1. What is the Best Way to Insure a Learner Driver?

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    Learning to drive can be incredibly exciting and nerve-wracking, with many new drivers plagued with questions before they hit the road – like whether they should learn to drive automatic or manual, what’s the best way to insure a learner driver, or even how to insure a learner driver… 

    We understand that knowing the cheapest way to insure a learner driver is of the utmost importance, lessons don’t come cheap so you don’t want to be spending a fortune on insurance for practice too. 

    While there are a host of long-term insurance options available for learning, we recommend utilising short-term learner insurance as a means of covering yourself. After all, there might not always be someone available to accompany you on your practice drives – meaning that long-term insurance is money being wasted, when short-term insurance provides you the option of insuring yourself as and when you need – in minutes.

    We’ve put together a complete guide to the best ways to insure learner drivers – so you can hit the road as soon as possible knowing you’ve chosen the best insurance for your driving practice!

    The Importance of Insuring a Learner Driver

    When learning how to drive, practice makes perfect – with research showing that it takes people 45 hours of driving lessons in addition to 22 hours of private practice to pass their test. It’s not just good practice to insure a learner driver – it’s a legal requirement to be insured whilst driving, even if you don’t have a full licence. This means that you’ll always need valid insurance when you get in the car – with the exception of when you’re getting into a car with a qualified driving instructor, as they will have that in place already. 

    In addition, learner drivers are a lot more prone to bumps and scrapes than a veteran driver due to their experience. This means that having insurance in place is essential to safeguard your finances – and our short-term insurance protects the vehicle owner of the practice vehicle’s no-claims for this exact reason.

    What to Look for in a Learner Insurance Policy

    Flexibility

    When insuring a learner driver, there are several things to look for to find the best policy. The first of these is the flexibility of coverage available. While short-term insurance can be purchased on an hourly, daily, weekly or monthly basis (up to 24 weeks), ‘typical’ insurance works differently, locking you into the policy for roughly a year. As a learner might not require this long to pass their test, this could become a costly endeavour. 

    It’s also important to consider that the hours when you can get in this practice are limited by several factors, including the availability of a supervisor, working hours, inappropriate weather conditions and much more, meaning that finding the best way to insure a learner driver can be difficult. This means that the ‘as and when’ opportunity provided by short-term insurance gives you the perfect opportunity to practise without any wasted time – and you can secure a quote within minutes, which means sporadic practice sessions are easier than ever.

    Affordability

    Another thing to look for is the affordability of your learner insurance policy. There are multiple factors that affect the cost of insurance, and being a learner or new driver is one of them. You can’t lie to bring insurance costs down, as a learner you will typically face higher insurance costs.  Just make sure to select a policy that accurately reflects your needs, instead of selecting one that sounds better due to add-ons that won’t impact your driving. Practice in a sensible car that won’t drive your insurance costs up, and consider temporary cover to help bring costs down too.

    Coverage

    A key factor of any insurance policy is what it covers. For learners, we always recommend comprehensive (fully comp) insurance, as inexperience behind the wheel makes the risk of an accident more likely. While this type of insurance is more expensive than third-party only or a policy that combines third-party, fire and theft, it will cover damage to both your vehicle and another vehicle, even if the learner is at fault. This makes investing a bit more money worth it in the long run.

    No Claims Discount

    It’s essential to look for mention of protection of the car owners’ no-claims discount when seeking the best policy for a learner driver. This is because your no-claims discount (not having to make a claim on your insurance in the event of an accident) might be impacted in the event of a learner crashing. Whether it’s their own fault, or the fault of another party, not having no-claims discount protection could lead to the vehicle owner’s no-claims discount being lost, and their insurance premium subsequently rising.

    Comparing Learner Driver Insurance Options

    The best way to insure a learner driver is to research all of your options thoroughly before you purchase a policy – which is why we’ve gone through each of the learner driver insurance options below.

    Temporary Learner Options

    Temporary insurance is one of the best options for learner drivers purchasing a policy. This is because you can take out cover for exactly as and when you need it – or extend it on an ongoing basis – and the price will be much cheaper than traditional long-term insurance. This also means that if you pass your test quickly, you won’t be locked into an expensive, long-term policy. We offer specialised learner insurance at GoShorty, which makes insuring a learner very easy, and quick. 

    In addition, our policies ‘protect’ the owner of the car as their no-claims bonus will not be impacted in the event of the learner being in an accident.

    Traditional Insurance

    Some insurers offer longer-term coverage, which can be purchased until the day you pass your test. This is a great option for learners who have ongoing access to a supervisor or individual who can jump in a car with them at any time. However, these policies are often accompanied by strict regulations and can be very costly – meaning the longer it takes to pass your test, the more expensive it will be.

    Adding Learner to Your Insurance

    Another means of insuring a learner driver is by adding them onto your car insurance as a named driver. This is sometimes the best option for anyone learning to drive in a car owned by a family member, such as a parent, or a close friend. The policy provides flexibility and one swift call to a current insurer, but there’s a risk of the original driver’s premiums increasing, or an accident impacting their no-claims bonus. Plus, you can often end up having to pay for a longer period of cover than you might need. 

    The Cheapest Way to Insure a Learner Driver…

    For flexibility and protection short-term learner insurance remains one of the best – and most cost-effective – choices for learners. 

    With short-term insurance, you can purchase up to four hours of cover from £19.99. With the cost of learning rising by 47% since 2023, being able to just pay for cover when you are going out practicing can be a big money saver.

    Alternatively, four weeks of coverage will only cost you from £66, which is just over £15 a week. This is compared to adding someone as a named driver to an existing policy, which can cost up to £1,300 per month a saving of over £1,200

    In addition, short-term insurance caters to the needs of anyone who will be driving intermittently, meaning if your supervisor is going away for a few weeks, you won’t find your expensive long-term insurance going to waste

    And that’s why temporary insurance is the best way to insure a learner, you’ll just be paying for cover when you need it – making it far cheaper than more long-term options. You can get a quote and try it for yourself in under two minutes, start getting your practice in today with our learner driver insurance options…

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  2. Learning to Drive in Winter: Tests & Lessons Guide

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    So it’s time to pass your test we hear? Well, it’s hard enough at the best of times, but in today’s learning environment you’re fighting just to get a teacher, then a test date, and then the all-important pass or fail. It might seem like everything is geared towards making life difficult for those learning to drive and taking lessons – but we’re on hand to help.

    As winter wraps its chilly embrace around us, the journey towards obtaining a driver’s licence becomes even more of a challenge, with roads ranging from slippery ice to aquaplaning wet. Driving test pass rates decline throughout winter and with a substantial backlog of learners eager to hit the road, waiting for the summer sun isn’t an option. 

    Fear not, for GoShorty is here to guide you through the intricacies of driving lessons in winter as well as tests. We’re also available to cover all your learner insurance needs. In this comprehensive manual, we’ll explore the considerations, tips, and invaluable insights to equip you for a successful journey on the frosty roads. 

    So, let’s dive into the winter driving mastery guide and turn the challenges of the season into stepping stones towards your driving licence.

    Understanding Driving Challenges in Winter

    Embarking on the journey to obtain a driver’s licence during the winter season adds an extra layer of complexity to an already transformative experience. Winter comes with unique challenges for both driving lessons and tests. In this chilly landscape, the skills acquired during lessons and tested during assessments are not only a testament to driving proficiency but also an assurance of safety on frosty roads. We have plenty of winter driving tips to help you be prepared for what to expect…

    Navigating Icy Roads

    Winter introduces the peril of icy roads, turning routine drives into what feels like shark-infested waters. In your lessons, learn the art of controlled braking and steering to navigate safely on icy surfaces. A driving test in the snow is not unheard of. One thing that can’t really be taught is knowing how to control a skid (always turn into it). Your natural reactions will tell you otherwise, though!

    Driving in the Dark

    The winter months usher in longer nights, requiring learners to adapt to reduced visibility or driving with headlights. Discover tips for driving in the dark, emphasising the importance of well-maintained lights, effective scanning, and defensive driving. You can practise this fairly easily in all months of the year, you’ll just have to make sure your instructor is still awake if you’re driving during the summer months!

    Adapting to Unpredictable Weather

    It’s often joked that the UK can see all four seasons in a single day. Who are we kidding, we can often see all four seasons in a single drive! Winter weather can be precarious and change at a moment’s notice, transforming a clear day into torrential rain in the blink of an eye. Lessons in all weather conditions will prepare you to handle sudden changes in road surfaces and visibility.

    Vehicle Maintenance in the Cold

    Cold weather can impact your vehicle’s performance. Gain insights into winter vehicle maintenance, ensuring your car is in top condition for your lessons and tests. P.S. Knowing all this will definitely help if you haven’t conquered your theory test yet.

    Road Safety Protocols

    As winter alters road conditions, understanding safety protocols becomes paramount. Your lessons will focus on adapting your driving style to different surfaces, such as icy patches, wet roads, and snow-covered lanes.

    Tips for Winter Driving Lessons

    Choose Optimal Lesson Times

    Schedule your lessons during daylight hours to maximise visibility and once you’ve refined your abilities, you can test them in the dark. It’s wise to avoid extreme weather conditions to ensure a safe and effective learning experience, but be sure to practice in adverse conditions as you progress (under the watchful eye of a qualified instructor, of course).

    Mastering Vehicle Control

    Winter conditions demand heightened vehicle control. Focus on honing skills like controlled braking, steering on slippery surfaces, and maintaining a safe following distance. Don’t forget to give vehicles in front plenty of space, braking times are extended on wet roads.

    Emergency Manoeuvres

    Equip yourself with the knowledge of emergency manoeuvres, including skid control and recovery. These skills will prove invaluable when navigating unexpected situations on winter roads.

    Extra Practice

    It’s important to get as much driving practice in as possible before your test. In winter, when driving tests can be even more stressful than usual, this is even more important. To safely practice driving you will need learner driver insurance, and an appropriate driving supervisor in the car with you. Our temporary learner insurance options range from the usual short-term policies we offer, all the way up to six months of learner insurance. So you can practice your driving and get ready for your test whatever the season.

    Tips for Winter Driving Tests

    Preparation is Key

    Approach your winter driving test with thorough preparation. Familiarise yourself with the specific challenges winter poses and practice relevant manoeuvres in various weather conditions. Know where your lights are (and how to turn the correct ones on). Lucky you if your car is new enough to do it automatically, but make sure it’s set up correctly! Same goes for wipers, you don’t want to be thrown on your test by struggling to get your wipers working during a sudden downpour.

    Familiarise Yourself with the Test Routes

    Adhere strictly to speed limits, know where there are roads that have quick braking zones and roundabout exits that drop from 40 to 20mph. Practice the tricky junctions, know the giveaway spots and once you’ve done all this, you just need to turn up on time!

    Master the Manoeuvres

    You’re going to be asked to do at least one of the stated manoeuvres – practice, practice, practice! They are tricky when you have to do them in winter conditions, so make sure you’re comfortable and work on the ones you struggle with most.

     Stay Calm Under Pressure

    Winter driving tests might throw unexpected challenges your way. Stay calm under pressure, apply the skills you’ve learned, and communicate effectively with the examiner. You’ve got this!

    Alright, buckle up, winter learners! Learning to drive and conquering that test during the frosty season is no small feat, but with a dash of determination and a sprinkle of savvy, you’ll be cruising through the challenges like a seasoned pro. 
    From gracefully gliding on icy roads to mastering the art of emergency manoeuvres, the season’s winter wonderland becomes your training ground. Optimal lesson times? Think daylight to show off your skills, saving the dark for the victory lap. And hey, understanding weather reports is your secret weapon. So, embrace the chill, conquer those roads, ace that winter test, and remember, GoShorty’s got your back when you’re ready to hit the road regarding all your temporary insurance needs.

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  3. Taking Your Driving Test in Your Own Car

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    Getting through your driving test in your very own car is possible, and easy to do thanks to our temporary learner driver insurance.

    With booking a driving test these days feeling as difficult as securing front-row concert tickets to your favourite artist, and driving instructors juggling schedules like seasoned circus performers, it might feel like you’re having to get the stars to align just to swap out that learner’s licence for the real thing.

    The prospect of taking your driving test in your own vehicle could be a game-changer for all learners out there. Bid farewell to the stresses of aligning schedules with busy instructors and embrace the freedom of acing your driving test in the comfort and familiarity of your own vehicle. Easy!

    We’ve detailed this comprehensive guide to completing a driving test in your own – or somebody you know’s car – ensuring you’re fully covered and compliant with the DVLA’s specifications every step of the way.

    You know all about  driving practice insurance, but ensuring you have the right driving test insurance is equally important. It’s the secret sauce that ensures your journey to driving success remains smooth and hassle-free. 

    So if you finally get a test date but your instructor’s car isn’t available, don’t worry – with our driving test insurance you can go ahead with that gold-dust test date, by using your own car.

    What Insurance is Needed for Taking Your Driving Test in Your Own Car?

    Dreaming of cruising into your driving test in the comfort of your own car? Or perhaps a relative has helped you practise all this time and you would find it more comfortable to complete your test in the car you’re most used to. We get it, and we’ve got you covered!

    Taking your driving test in a car of your choosing could be your golden ticket to that prized pass; but as with everything, there’s some rules to follow. 

    Insurance for driving tests can be confusing, but here at GoShorty, we offer our support making sure you’re fully-equipped to tackle the test behind a trusted set of wheels. 

    So, “What kind of insurance do I need to take my driving test?” we hear you ask. Our temporary learner driving insurance is of course the answer! Whether you’re 17 or 74 we’ll cover you, with a super low excess, and comprehensive cover. Our temporary learner insurance for a day is perfect for your test day, covering you for some practice beforehand, the actual test  and the victory drive back home!

    What Criteria Your Car Needs to Meet to Be Used for a Driving Test 

    If you don’t have a car but you’re looking at purchasing one as soon as you pass, this may be your sign to make that exciting milestone purchase prior to your test. It goes without saying that it helps to get plenty of practice in the car you plan on using on your driving test to give you the best chance of passing. And with our learner driver insurance, you can do just that – your dreams of freedom right at your fingertips!

    Consider yourself a car novice? No worries, we’ve done the research for you and highlighted the best cars for new drivers. Equally, you can also check out what the most popular cars to learn to drive in are for inspiration.

    Whether it is a new car, one you are borrowing or a car you have been practising in already, it needs to meet certain criteria in order for it to be test worthy. 

    A few things to note, in order to take a test in your car, you’ll need to have the following:

    • No warning lights on the vehicle
    • No tyre damage, or space saving tyres
    • Be roadworthy
    • Have L-plates fitted
    • A working speedometer
    • Be clean and tidy, not smelling of smoke
    • Have an interior mirror fitted for the assessor

    Unfortunately, if your car doesn’t meet the DVLA criteria, your assessor has the right to cancel your test, something you definitely want to avoid.

    Why You Might Want to Take a Test in a Car That Isn’t Your Instructor’s

    Let’s break down why you shouldn’t delay your test just because your instructor is unavailable.

    Imagine the disappointment when trying to borrow your instructor’s car for a spontaneous test that’s just become available on a week’s notice, only to find their schedules swamped with other commitments. Having your own car could be the answer, allowing you to take a test at your convenience.

    Taking your test in a private vehicle not only has the potential to save you headaches but also your wallet! Say goodbye to the additional costs associated with booking your instructor and their car for your test, and save those additional pennies for perhaps a set of wheels of your own?

    Should you have a generous family member or friend who is kind enough to lend you their car whilst you earn your driving stripes, you will need to look at the costs of adding a learner driver to their insurance, you will find temporary learner insurance is the best option in that scenario.

    The Benefits of Taking Your Test in Your Own Car

    Taking your test in your own car offers a multitude of advantages. You’re already familiar with every aspect of your vehicle after all your driving practice, from the positioning of the mirrors to the precise way it handles corners, giving you that extra edge when manoeuvring those tricky turns and nail-biting parallel parks. 

    You would have been practising in this car outside of lessons and the safety of your instructors dual controls – so you should be extra confident in your solo driving abilities in your own vehicle.

    And as long as you have had enough lessons and practice and are ready, you will be fine to take your test in your own car, just make sure you are comfortable with all the controls.

    Driving tests are always a nerve racking experience, but not being able to use your instructors shouldn’t be seen as a cause for more nerves!

    In a nutshell, mastering your driving test in your own car is within easy reach, and with the right driving test insurance in hand, you can navigate this journey with confidence and ease. So, rev up your engines and get ready to conquer the roads with the assurance that GoShorty has your back, every step of the way. 

    “Can I use my own car for a driving test?”. With GoShorty, the answer is always yes. Get a quote today!

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  4. The UK’s Most Popular Learner Cars

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    It’s hard to deny that Brits love their cars. Maybe that’s why there are over 40 million of them on our roads. Plenty of us could spend hours arguing over which is the best – or at least our favourites – so we thought we’d find out the real answer for ourselves.

    Learner drivers often face a host of problems when getting behind the wheel. From finding the best car insurance to finding the right vehicle for them to practise in. 

    Practical driving pass rates are steadily dropping year on year. But, this year alone another 1.3 million drivers will be eager to get behind the wheel and do their best to secure their licence. So it’s more important than ever for learners to find the car perfect for getting temporary learner cover on and of course practising in…

    The best learner cars have a few things in common. They’re reliable, sturdy and guaranteed to start in the morning – even after a few dicey emergency stops or a missed gear or two.

    Smaller cars are usually more popular as they have less powerful engines, so allow learners a bit of leeway, especially when it comes to narrow streets and tight parking spots. Anything that can help a learner avoid a bashed door or bumped bumper is high on the list of wants.

    What Is The Most Popular Car To Learn To Drive In?

    We set out to discover which cars are the most popular to learn to drive in, across the UK. After diving into our internal data, looking into the cars most commonly covered using temporary learner insurance, one car came out on top. 

    According to our data, it seems that learner drivers up and down the country find it hard to beat the Ford Fiesta. One in ten UK learners choose the Fiesta to get some well-needed practice in, before trying their hand at the practical driving test – making them the most popular learner car on the market. 

    But it’s not just learners that are fans. Our previous survey on driving behaviours and attitudes revealed that 22% of UK motorists think Ford drivers are the politest on the road, beating other popular brands like Vauxhall and Volkswagen to the title.

    So learning to drive in the popular Ford Fiesta might just mean you turn into a particularly polite road user too – great news!

    Ford Fiestas are popular learner cars all over the UK, but our research has shown a clear North /  South divide with regard to other practice cars.

    Northerners seem to be especially fond of the Fiesta, with 33% of learners in the North West choosing it as their preferred car to insure for driving practice. Liverpudlians were the model’s biggest fans, with 18% of learners in the region choosing the classic model to motor around in.

    Down South it’s a slightly different story. While 8% of the UK put Vauxhall Corsas at the top of their list of popular learner cars, in London 18% of learners are opting for the versatile car – a huge increase on the national average. Scottish learners are also Corsa fans, with 9% of aspiring drivers getting insured on the iconic Vauxhall.

    Interestingly, the Midlands showed split results – with 15% of learners getting covered on the Fiesta, whilst another 15% were taking out insurance on a Corsa. 

    While there are some clear favourites, the most popular cars to insure for learner practice is still a hotly contested race, nationwide. 

    In Wales, the Mercedes A-Class was a clear favourite, beating the Corsa, Fiesta, and Nissan Micra. Sadly, the Volkswagen Polo didn’t crack the top five and instead was narrowly beaten by the Golf, Toyota Aygo and even the larger Nissan Juke. Learner cars are getting fancy these days!

    What Do Learners Need To Consider Before Taking Their Test?

    Finding the right car is just one piece of the puzzle. From discovering the right instructor for you, to passing your theory exam and getting the right car insurance for practising, costs can quickly add up. 

    Since the pandemic, learners are facing longer and longer waiting times for tests, so it’s important that every driver heads into their exam, happy and confident. So, being able to get all the practice that you can, to make sure you do your very best is crucial.

    Before passing your test, being added to someone else’s annual policy can become expensive, making it difficult for learners to practise on a schedule that works for them. Even new drivers can be stuck with pricey long-term policies that lack flexibility. That’s why car insurance for learner drivers can offer you flexibility to save costs and just get insured when you want to practice. 

    GoShorty offers comprehensive learner cover for as little as one hour to 28 days. Our quick and easy quoting process allows learner drivers can get behind the wheel in as little as 90 seconds. Take a look at our learner policies and find a deal to suit both your wallet and lifestyle.

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      Read more

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  5. Insuring a Learner Driver Guide

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    Learning to drive can be as challenging as it is exciting, necessitating plenty of practice. In addition to lesson time with an instructor, the DVSA advises spending time driving another car to finesse your skills. All of this means that learning often comes with a hefty price tag – both for lessons and the associated learner insurance needed for extra driving practice.

    Fortunately, there are options available to ease the financial burden – whether you’re looking to cover yourself, or if you’re a parent wondering how much it might cost to add a learner driver to your insurance policy. 

    The common scenario of parents looking to insure their child on the family car for practice sessions presents two main options. The first option is to add the learner driver to an existing annual insurance policy, and the second is to consider temporary learner driver insurance, where you can insure a car temporarily for the duration of a practice session.


    What is the Best Learner Driver Insurance?


    There are a few options when looking at the best options for insuring a learner driver.


    Black Box insurance 


    This is a good option if you have your own car while you’re learning, but it will add an additional cost to the overall process. If you pass your test, you’ll need to update your policy and might be liable for a cancellation fee, too.


    Adding a learner driver to your existing policy


    This might seem like a convenient choice, but it’s essential to consider the costs involved – as provisional drivers are regarded as higher risk by insurers – and how often the practice will take place. You don’t want to pay an additional premium to add a learner driver to the insurance policy, only for the car to be used a handful of times!

    Depending upon your existing policy, you might also face losing your no claims bonus if a provisional driver is behind the wheel.


    Temporary learner driver insurance


    This offers a flexible and much more cost-effective solution. With temporary cover, you only pay for the times when the learner will actually be driving the car, making it an excellent choice for occasional practice sessions. Temporary learner driver insurance also provides the added benefit of protecting your no claims bonus, while keeping ongoing costs significantly lower than other options. 

    Whichever solution you opt for, it’s worth comparing prices and using a cost calculator to work out which option gives you the best bang for your buck.



     How Much Does it Cost to Insure a Learner Driver?

    Adding a learner driver to your annual insurance policy can result in significant expenditure, and ultimately affect your own policy. Opting for temporary learner driver insurance with GoShorty can save you a considerable amount of money and provide the peace of mind that you won’t lose your no claims bonus.

    Let’s take a closer look at our pricing options:

    Daily Learner Driver Insurance

    For an extended session, or if out and about for the whole day – daily learner driver insurance typically costs around £29. This option is ideal if your learner driver needs extended practice periods.

    Monthly Learner Driver Insurance

    For the regular, fastidious learner, monthly coverage could provide a great, cost-effective option. With prices averaging around £58 per month, it provides comprehensive coverage for regular practice sessions.

    Remember, ensuring that your learner driver is adequately protected while practising is crucial for their safety – and your peace of mind! With the right insurance solution, you can make the learning journey more affordable and enjoyable for each of you. 

    Opting for temporary learner car insurance will save you money, provide full coverage and empower the learner in your life to confidently begin their driving journey, with GoShorty. 

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  6. All About Car Insurance for 17 Years Olds

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    Car insurance for 17 year olds can seem like a difficult thing to obtain, but with GoShorty’s flexible insurance options for learner drivers, those with provisional licences can easily get insured in a way that suits them best. 

    If you are wanting to practise your driving outside of lesson time, then short-term insurance could be a great avenue to explore. Whilst many might wait till they turn 18 to start learning to drive, at GoShorty we do see 12% of all our learner insurance quotes being for 17 year olds, with our policies there is no need to wait an extra year to get practice in. GoShorty’s short-term cover allows you to insure yourself on a vehicle for as long as you need to learn, whether that be two hours or two weeks. 

    Another bonus of this insurance option is it won’t affect the car owner’s no-claims discount if an accident occurs when the learner is behind the wheel. Ideal for someone who is practising in their parent’s or friend’s car. 

    What Age Can You Learn to Drive?

    In the UK, you can begin driving when you are 17 and have obtained a provisional licence, which you can actually apply for as young as 15 years and 9 months old. When learning to drive, you must be supervised by someone who has a UK driving licence themselves, if the person you are being supervised by is not an instructor but a family member or friend, then this person must be over 25 and have held a full driving licence for at least three years. 

    The car you drive must display the learner ‘L’ plates, so other drivers on the road are aware that you may not be an expert driver just yet. It must also be taxed, insured and MOT’d. In addition, you must be able to read a licence plate from 20 metres away.

    When learning to drive with a driving instructor in their vehicle, you will be covered by their insurance, however, if you are wanting to practise driving outside of lesson time, then you must be insured yourself. This is where GoShorty’s temporary learner insurance for 17 to 25 year olds comes in; a flexible method of getting insured, which allows you to pick a more specific time period for your policy to last. 

    You may only need to be covered for a week to get in some practice before a driving test, or you may want to be insured for a month in order to really put some time in outside of lessons. 

    Practising outside of lessons is a great way of fast-tracking your progress, and potentially saving yourself some money that you would have to spend on more lessons. By having the freedom to practise when you want, temporary insurance can make learning to drive a much better experience. 



    What Are the Insurance Options for 17 Year Olds?

    Fortunately, there isn’t a lot required to obtain insurance as a young learner driver. All you need is your provisional licence, to be 17 or over, and your vehicle details – model, make, and registration number.

    There are some options you can explore as a learner driver when it comes to insurance. One of which is black box insurance, a type of insurance for drivers with their own cars. This type of insurance can be turned into a young-driver’s insurance package if you are to pass your test with this. However, this insurance is an annual policy – you may complete your test before the policy is up and in some cases, some companies may charge a cancellation fee. 

    Alternatively, adding a learner onto a typical annual policy can cost upwards of £450, in reality it is unlikely the learner in question will be needing the cover for a full year, or will be driving the car all that often. 

    A better option for 17-year-old learner drivers is short-term learner car insurance. Short-term cover offers options for hourlydaily and monthly policy options. Allowing you to choose the amount of time you need and not risk paying any cancellation fees if you are to pass your test sooner than expected. 

    Rather than the £450+ fee you could expect with an annual policy, you could get cover for 28 days for under £80. Or take a pay-as-you-go approach and get one-hour to two-hour learner policies from under £20 with us. That way you only pay for cover when you actually need it!

    Most of our 17-year-old policyholders opt for two hours of cover, the perfect amount of time for getting some solid driving practice in between lessons. We also see 13% of 17 year olds taking out insurance for 28 days. This can be a great option in the lead up to your test, allowing you to get in as many extra practice sessions as you need over the month. 

    We offer a range of affordable options that could help you get on the road in no time. With our short-term insurance, learner drivers can practise when they want for as long as they want, making it a great option for those looking to fast-track their learning experience at 17. 

    So get a quote for temporary learner insurance today and start your driving journey!


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  7. Insurance for Provisional Drivers Guide

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    For provisional drivers, getting insurance may seem intimidating, but at GoShorty we offer short-term insurance for provisional drivers, so you can take out a policy that suits your needs, whether you want to get behind the wheel for some learner practice for a day, 24 weeks or anything in between, in just a few simple steps. 

    Short-term insurance may be a better option for learner drivers compared to regular annual policies, allowing you to get the much needed insurance to allow you to get behind the wheel, without the costly commitment. 

    What is the Best Insurance for Provisional License Holders?

    Temporary insurance is an ideal route to take for learner drivers. Taking out a temporary policy with GoShorty ensures you can get in plenty of  practice sessions between your lessons, plus getting insurance this way means it won’t affect the car owner’s no-claims bonus if you have an accident. Perfect for when you have a provisional licence and are still getting the hang of the road.  

    Provisional driver insurance will allow you to cover yourself for the period you need to learn, meaning it is flexible and works around your schedule without any time or money wasted. 

    Committing to an annual insurance policy may be a waste of money, as you might not need that much coverage in order to learn, and some annual policies have to be cancelled when you pass your test, leading to you potentially wasting a chunk of money if you finish in good time. 

    Taking out a temporary policy gives you a lot more freedom – you’re only paying for cover as and when you need it.


    Provisional Insurance Rules

    There are a few things you need in order to obtain yourself a temporary learner driver insurance policy. You need to be of a suitable age, 17-25, and possess a UK provisional licence. 

    You must have been a permanent UK resident for three years, have no licence points or pending prosecutions related to motoring incidents, have never been disqualified from driving, have no criminal convictions and have never been at fault for a car accident. 

    Hopefully you don’t have to worry about these problems as you are most likely just learning to drive or considering it, but it is worth knowing the above before you apply.

    As someone with a provisional licence learning to drive, taking out a temporary policy is a great option to give you some freedom; just don’t forget that you can’t get behind the wheel without an appropriate supervisor in the car with you.

    Allowing you to practise in between your professional driving lessons, it can help speed up the learning process by allowing you to practise in your own time – something that is always highly recommended. See what GoShorty can offer you on our learner insurance page, you’ll be on the road in no time!


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  8. What don’t you learn as a learner driver?

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    Learning to drive takes a long time. Indeed, it can be argued that you never stop learning.

    Before you pass your test, you need to be safe while on the road. That’s where hourly temporary learner insurance steps in – with it, you can safely practice until you are ready to take the driving test.

    While passing your driving test is one step of learning to drive, the experience you gain after you pass has the most significant impact. There is only so much you can learn during your driving lessons, and a range of things you can only learn through experience.

    It’s easy to think you will know everything about driving once you’ve passed your driving test. But in reality, we all make driving mistakes and are constantly learning when we are behind the wheel. 

    But if you’re a learner or new driver, here are some of the things your driving instructor might not teach you and some of the common mistakes that learner drivers make. 

    What do You Still Need to Learn?

    How to drive on the motorway

    One of the most significant things you need to learn after you pass your test is the art of motorway driving. This used to be because learner drivers were not allowed onto the motorway. As of 2018, learners are allowed on the motorway with a qualified instructor.

    However, using the motorway takes practice. There are a number of elements of motorway decorum that you cannot appreciate until you have experienced them.

    These include hogging the middle lane, undertaking drivers who are doing so, tailgating slower drivers on the motorway and knowing what to do on smart motorways

    Learning to drive on the motorway is as much about avoiding these common learner driver mistakes as it is the theoretical knowledge of which lane to use and how to change.

    How to use your headlights properly

    The driving test does not feature specific guidance on being behind the wheel at night. As a result, it can be challenging to understand the proper use of headlights, among other aspects of driving when it is dark. 

    Part of learning to drive over time is getting a feel for when you need lights on and the timing of using full-beam headlights. You also need to grasp how and when to use your fog lights. It is actually prohibited to use your fog lights if the visibility is above 100 metres.

    How to use full beam headlights

    Full beam headlights are handy if you spend a lot of time driving at night on roads with limited lighting, helping to keep a clear view of the road ahead. But, do you know how to use them correctly?

    As soon as you encounter another vehicle ahead of you, you must switch back to dipped headlights to ensure you don’t dazzle the driver. This is one of the common mistakes drivers make and could lead to other drivers losing control of their vehicle. 

    How to use the horn

    As a learner, you might see fellow road users using their horns to signal their displeasure. Perhaps they have been cut off on a motorway, or surprised by a driver pulling out on them. Either way, using the horn for any reason other than to warn a fellow motorist of a dangerous situation is forbidden. 

    Your horn is only really meant to be used to signal to other cars that you are present. It is also against the highway code to use your horn if you are stationary (like at traffic lights) or in a built-up area at night.

    How to make the most of your mirrors

    You need to have a basic understanding of your mirrors to pass your driving test. However, there are several aspects of proper mirror use that are not essential parts of most driving lessons. 

    Your rear-view mirror is key to keeping an eye on other cars and low-speed driving. You should be familiar with this to pass the test. 

    However, do you know how to use your car’s anti-dazzle switch? Equally, learners need to make sure they have full command of their mirrors to maintain safe driving.

    How to check tyre pressure

    Many new drivers rely solely on their MOT for checking tyre pressure. Unless your car is equipped with a tyre pressure monitoring system that alerts you when your tyre pressure is low, you should take time to check your tyres are properly inflated. 

    Not only will driving on poorly maintained tyres can reduce your vehicle’s performance, but it can also increase fuel consumption and even lead to a blow-out. 

    When checking your car’s tyre pressure, make sure to do so when the tyres are cold: recently driven-on tyres could lead to a false reading. 

    Not to hog the middle lane

    Although you may think this is just an annoying driving habit, hogging the middle lane when driving on the motorway is actually a breach of the highway code. 

    This is classified as careless driving as it makes overtaking considerably harder. If you’re caught unnecessarily driving in the middle lane of a motorway for long periods, you could face a fine and points on your driving licence.

    Not to play loud music

    Although you might enjoy blaring your favourite music when you are behind the wheel, this isn’t best practice when driving. 

    Not only could it prevent you from hearing emergency vehicle sirens or other road users, but it could significantly distract you from driving safely and to the best of your ability.

    If a police officer finds that you’re distracted by music when driving, you could be charged with driving without due care and attention.

    If you do listen to music when driving, make sure to keep the volume at a suitable level to keep away distractions and allow you to maintain control of the car. 

    How to clear ice from your windscreen

    On a cold day, you may be tempted to clear just enough ice from the driver’s side of the windscreen to allow you to see out. 

    However, learner drivers should be aware that if your vehicle is deemed to be in a dangerous condition, you could face a fine and points on your licence. 

    By law, drivers need a full view of the road and traffic ahead, so take your time to clear all ice from the glass and mirrors. 

    One of the common mistakes that both new drivers and experienced drivers make is pouring boiling water onto the windscreen to clear ice. This extreme temperature change can crack or even shatter the windscreen, making your vehicle unsafe to drive. 

    Some handy advice that you probably won’t learn from your driving instructor is the safest way to clear your windscreen from ice and snow. Using the defrost setting to blow air onto the windscreen, as well as deicing liquid and a windscreen scraper, is the most effective way to clear the glass and mirrors before you travel. 

    Not to splash pedestrians

    Although this is something your driving instructor probably covered, experienced drivers forget that splashing pedestrians is considered driving without reasonable consideration for other persons. For mistakes like this, you can face a fine and points on your driving licence if caught by the police. 

    Get temporary car insurance from Goshorty

    Learning to drive takes everyone a different amount of time. Failing a driving test is not a sign of being a bad driver, it is simply a sign of not being ready to take your test yet. All that it needs is more practice. 

    Hourly Learner Insurance is perfect for however long you need to learn. It covers you to drive either your own or someone else’s car for between 1 hr and 28 days. Hourly learner insurance allows you to get out and practice safely for as long as you need. 

    Get a temporary insurance quote today, and see how much it would cost you to get hourly learner insurance.

  9. Is it harder to take your driving test in the winter?

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    Is your theory test in the past, and do you want to go ahead and book your practical driving test? You probably want to book your time slot right away, but have you considered how adverse weather conditions could influence your results?

    Many factors will influence your practical test result, but the weather will probably play the most significant part.

    You also need to keep in mind that you will need temporary learner driver insurance when practising your driving skills and new or temporary car insurance once you have passed.

    In this article, we will look at why winter months have lower pass rates, when is the best time to pass your driving test in the winter, and how the Drivers and Vehicle Standards Agency (DVSA) want to help you to pass your test, even in winter weather.

    Why Winter Driving Tests are More Difficult

    Winter is unpredictable, and you risk having your practical test slot cancelled because of hazardous conditions and icy roads.

    If your test centre confirms that your test is going ahead, you will have to drive extra cautiously. Even though main roads would be ploughed, residential streets can still have plenty of ice. There will be snowbanks along the curves, parked cars will be covered with snow, and roads will be slippery.

    The best time to book your test in winter would be in the afternoon, as this will allow ice and snow to thaw, making driving a little bit easier.

    What to Keep in Mind When Taking Your Driving Test in Winter

    Tyres

    If your test occurs in snow conditions, make sure your car has quality tyres suitable for the snowy conditions. Tyres should have at least 3 mm tread depth to safely drive in snow.

    All-wheel-drive or front-wheel-drive

    Cars with all-wheel drive are the easiest to control on slick roads as all the wheels are involved in keeping you on the road. If you do not have access to an all-wheel-drive car for your test, the second-best option is a front-wheel-drive vehicle.

    It is not recommended to drive a rear-wheel-drive vehicle for your winter test as these push the car forward from the back wheels, which is much harder to control and more likely to lose traction and slide.

    Following distance and speed limits

    The recommended following distances and speed limits are when a practical test is taken under ideal weather conditions. Of course, the conditions are less than ideal in winter, meaning you should take extra caution.

    You should increase the following distance to about eight seconds to allow enough time for braking.

    The Weather is Bad: What Will The DVSA Do?

    The main priority of the DVSA is to protect both the candidate driver as well as the examiner. Although driving tests are allowed during winter, the DVSA can cancel tests if road conditions are not considered safe. This includes road ice, floods, strong winds, or dense fog.

    If you book your practical driving test in winter, you risk having your test cancelled. Naturally, the DVSA does not want to cancel and reschedule hundreds of tests, as this will lead to backlogs in future months. Therefore, they will allow testing to continue during winter.

    Early morning tests have a greater chance of being cancelled, so we recommend that you book a later test during winter.

    How the DVSA determines whether a winter test will be cancelled

    Of course, it is frustrating when learner drivers have been waiting weeks or months for their tests, only to have them cancelled on the day. The DVSA will only cancel a test when absolutely necessary. You can contact DVSA’s customer support team to find out if your test will continue.

    Your safety must come first

    The DVSA has a duty of care to protect the driver, other drivers, and the examiner. It is only fair that all drivers are tested fairly and equally, and taking a driving test in bad weather will be a disadvantage.

    Constantly assess road conditions

    To prevent a backlog, examiners will constantly assess the road conditions and determine routes that are less affected by bad weather. Weather forecasts are continually assessed, and tests will only be cancelled if local conditions turn bad.

    Snow is a hazard

    Snowfall will affect visibility, making it difficult to see road signs, other road users, and road markings. The DVSA is likely to cancel a test on a snowy day since the road ice and slush will also impact the ability to perform driving tests well.

    Things to Keep in Mind When Driving in Winter

    Whether you are taking your driving test in winter or just want to learn more about safe driving in winter weather, here are some things to keep in mind.

    Basic safety

    Drive slowly. There is no need to rush, as this will put you and other road users in danger. Driving slowly during winter means you will have more reaction time, more braking distance, and a greater following distance behind the cars in front of you.

    Don’t crowd other vehicles. Whether a passenger car, snowplough or freight truck, give other vehicles plenty of space to manoeuvre on dangerous roads.

    Tyre safety

    The pressure in your tyres will drop in cold temperatures, so make sure before you drive or take your test that all the tyres are inflated to the manufacturer’s recommendations.

    Make sure to inspect your tyres before you drive, including checking for damage, wear, and depth of the treads.

    Car battery

    Your battery power will drop along with the temperatures. Your car will also require more battery power to switch on, and its range will be reduced if you have an electric or hybrid car. Make sure to check your battery before the cold season, as well as during, to make sure your battery is functioning effectively.

    Car safety technology

    Your car will come with plenty of safety technology that will protect you while driving. Familiarise yourself with all the technology in your car, as well as with the warning lights on your dashboard, so that you can have the safest driving experience possible.

    Why Summer is the Best Time for Taking a Driving Test

    As we have mentioned, winter is probably the hardest season to pass your driving test. The months of January and December have the lowest pass rates, while the summer months have higher pass rates. Booking your driving test in summer may be easier, but you are likely to face much longer waiting times as most people will be booking during the summer months.

    Despite this, summer has much better driving conditions and a much smaller risk of having your test cancelled.

    During the summer holidays, there are usually fewer people around, which means less traffic and pedestrians to worry about while taking your test, and also no peak traffic, rush hour or school-run traffic to worry about.

    FAQs

    When will I find out if my test has been cancelled?

    Test centres will know in the morning whether tests will go ahead. Contact your test centre first thing in the morning to find out whether your driving test is still going ahead, especially if your test is early. If your test is in the afternoon, phone a few hours ahead.

    Will my test be cancelled if the weather conditions are bad?

    You will still have to contact the test centre to determine whether your test has been cancelled. If you decide to not show up because of the weather, but the test continues, you will not get a refund.

    My test has been rescheduled, but it is months away. What can I do?

    If your new test date is months away, you can get a fast-track practical test to jump the queue and move your test date forward.

    Your local test centre will also receive cancellations from learner drivers, meaning test slots become available almost every day. A fast-track test is a driving test that is scheduled in one of these empty slots. Several companies can organise driving tests at the local test centre in these cancellation slots.

    It is time for my test appointment, but it is snowing. Can I still take my test?

    The DVSA is mandated to keep drivers safe. If they did not cancel the test and you feel too unsafe to drive, you will forfeit your refund. It is best to take your test if it is not cancelled.

    Wrapping Up

    Even experienced drivers can tell you how difficult it is to drive in winter. Taking a driving test in bad weather can be a harrowing experience, and studies show that it is harder to pass driving tests in the winter months because of inclement weather and bad road conditions.

    If the bad weather persists, test centres will cancel test appointments to ensure the safety of the drivers and driving instructors. The best time to take a driving test in winter will be in the afternoons, as snow and ice would have thawed.

  10. What’s the cheapest car for a young driver to insure?

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    Driving can be very expensive for new drivers when you add up the cost of a new car, insurance, road tax, MOTs, fuel, and repairs. It is not all negative, though, and there are many benefits to passing a driving test, including a new sense of freedom and improved job opportunities.

    Trying to find ways to reduce costs is important to many drivers, and one of the best long term ways of doing this is by looking at the cheapest cars to insure.

    The average insurance cost for new or young drivers is typically expensive. That is why we have compiled a list of cars with low insurance premiums and further information to help you understand car insurance quotes.

    Why Is Insurance So Expensive For Young Drivers?

    Newly qualified drivers will typically have some of the highest insurance premiums because of a lack of experience. This is true of most young drivers who are statistically more likely to be involved in a car accident.

    Car insurance providers look at a number of factors when providing drivers with premiums. If a payout is necessary, insurance costs will be assessed on risk and potential losses.

    Young, inexperienced drivers are considered at a high risk of being involved in an accident. This is why newly qualified or young drivers need to consider alternative ways to reduce costs.

    What Are Car Insurance Groups?

    The car’s insurance group determines the insurance cost. The ABI (Association of British Insurers) independently assess vehicles to give them a rating from 1 to 50. This makes it easier for the insurance industry set its premiums.

    Factors that determine which insurance group a car will be in include the damage it would receive in a collision and the cost of repair.

    Other important factors include the price and availability of parts, the price, the car’s security, and the vehicle’s performance.

    The cheapest cars to insure will be found in lower categories from 1-10. Top-end luxury vehicles are likely to have a higher rating, resulting in higher insurance costs.

    Other Ways To Reduce Car Insurance Premiums For Young Drivers

    As well as finding a vehicle that will get you the cheapest car insurance quote, there are a number of other steps you can take to reduce insurance premiums.

    Advanced driving course

    Taking additional courses after passing a test will give you a qualification to prove to your insurance provider that you are a responsible driver. This is an excellent way for a young driver to reduce insurance costs.

    Black box insurance

    Some insurers offer insurance policies that include a black box monitoring system. This will measure how often you drive, how far you drive, your speed, and the times you drive.

    This makes it easier for the insurance company to provide you with an accurate quote based on this evidence rather than on general assumptions.

    Temporary insurance

    Temporary car insurance is an excellent way for people that don’t use their vehicle regularly. You will be able to choose from daily, weekly, or monthly options, depending on your needs. Temporary learner driver insurance is the perfect option for those still learning that need to get as much practice as possible.

    Cheapest cars for young drivers to insure, UK

    To help you find an affordable car with lower insurance premiums, here is a list of vehicles that might suit young motorists.

    While older cars are great for a first car, as they will be less valuable and therefore cheaper to cover, newer cars offer many modern safety features that will benefit younger drivers. Here are some of the best models on the market:

    Ford Fiesta

    The Ford Fiesta has been popular since its launch almost 50 years ago in 1976. The Fiesta is in Insurance group 2, which will automatically be a cheap option to insure.

    They are well built, comfortable vehicles that are great for new drivers. The small vehicle’s 1.1-litre petrol engine offers excellent fuel efficiency, and entry-level models come with an impressive infotainment screen that allows Android Auto and Apple Carplay as standard.

    Despite being a small car, this hatchback is surprisingly roomy, and there is a range of specs and trims for prospective buyers to explore.

    Seat Ibiza

    The Seat Ibiza finds itself in insurance group 3 for the 1.0-litre MPI model. Older models can even offer group 2 insurance if you are interested in a used car.

    The spacious car is great for those that want to take passengers on adventures and even has a large boot. The vehicle offers safe handling and good fuel economy.

    Some models are available with rear-facing cameras and a parking sensor, and the 60,000 three-year warranty offers the owner peace of mind.

    Vauxhall Corsa

    The Vauxhall Corsa is another popular model in the UK and was first introduced as the Opel Corsa in 1982.

    The 1.2-litre Life model is in the group 2 insurance category, and it is cheap to run. The well-equipped car comes with 16″ Alloy wheels, a touch screen entertainment centre, and LED headlights as standard.

    The Corsa offers fantastic handling and, like most similar small cars with small engines, is relatively cost-effective to run.

    Seat Mii

    If you had looked at either the Skoda Citigo or Volkswagen Up, the Seat Mii could be a great choice as all three vehicles are remarkably similar.

    This is a compact car, and its 1.0-litre petrol engine models enjoy excellent fuel economy and group one or two insurance.

    Because of its size and manoeuvrability, the Mii makes an excellent city car. The ISOFIX fittings in the back seat also make it ready for up to two car seats for those with a young family.

    Volkswagen e-Up

    The Volkswagen e-UP is an electric car that is perfect for young drivers who want the freedom and versatility of having a car without the carbon footprint and emissions.

    This car is great for town or city driving and is in insurance group ten. Though this is a little higher than some of the other models featured, you will benefit from not having to pay any road tax because it is fully electric.

    This car offers a range of around 160 miles when fully charged. With so many charging stations being installed around the UK and government regulations requiring all new-build homes to have one installed, it is looking like it will only get easier to charge an electric vehicle.

    The quick acceleration and quiet ride make this an enjoyable car to drive. The other significant benefit of this and other electric vehicles is how much cheaper they are to run.

    Dacia Sandero

    The Dacia Sandero is a great, low-priced option for young drivers. You will find models dating from 2013 to 2021 will start in insurance group 2, making them one of the cheapest vehicles available for below £10,000.

    This might not be the best choice if you are after a flashy car with a great interior. The use of plastic and basic specs is one reason this vehicle is so cheap. But don’t let that put you off.

    You will be surprised at how spacious the Sandero is, with lots of room to transport adults and an excellent boot. Despite being great for budget buyers, the car is surprisingly good to drive.

    Suppose you are happy to sacrifice mod cons, out with air conditioning and a DAB radio, interior quality, and state-of-the-art consoles. In that case, the Dacia Sandero is an excellent option.

    Fiat Panda

    The Fiat Panda might not look as stylish as the Fiat 500, but the low insurance group 3 rating makes it a great option for new or young drivers looking to reduce insurance premiums.

    The 1.2-litre petrol option offers excellent fuel economy and a low insurance level rating, making it a cheap car to run. The boxy style might not be to everyone’s taste, but there are a lot of fans of this quirky style out there.

    This is a practical car that offers a comfortable ride. The only downside is the car’s poor crash rating, which should always be considered when buying a new car.

    Toyota Aygo

    The Toyota Aygo X-Style 1.0 VVT-i 5d model is in insurance group 5. The entry-level models come with 17″ alloy wheels, air conditioning, a rear-view camera, and an Apple Carplay and Android Auto compatible touchscreen.

    The car’s safety features include automatic emergency braking and adaptive cruise control. The 1.0-litre engine isn’t the quickest, but this is still a brilliant car for driving in towns and cities.

    Customers will be able to choose between manual or automatic versions, and you can expect great fuel economy from this vehicle.

    Kia Picanto

    The Kia Picanto DPi(66) auto 2 is a compact car in insurance group one. This is an excellent car for a new driver because of its low running costs and excellent fuel economy.

    Reaching 0 to 60mph in 16.6 seconds isn’t the most impressive speed you will find, but this is one of the reasons it is so cheap to run.

    As well as being a cost-effective option, you will also have the peace of mind offered by its 100,000-mile, seven-year warranty.