Learning to DriveLearning to Drive

If you were a car, what would you be If you were a car, what would you be and why?and why?

Lesson objective: Lesson objective: To understand the different types of car insurance for young To understand the different types of car insurance for young

driversdrivers To be able to purchase car insuranceTo be able to purchase car insurance

QuizQuiz The average price of car insurance for a teenager in The average price of car insurance for a teenager in

2013/14 is2013/14 is

A) £3,163A) £3,163 B) £1,187B) £1,187 C) £633C) £633

Answer: £1 187Answer: £1 187

..

Go to www.Teentrack.co.ukGo to www.Teentrack.co.uk

Click on Information and Advice for Click on Information and Advice for Learner Drivers and Young DriversLearner Drivers and Young Drivers

Make a list of the 5 cheapest cars to Make a list of the 5 cheapest cars to insure for 17-25 year oldsinsure for 17-25 year olds

Top tip! Don’t buy the car and then choose Top tip! Don’t buy the car and then choose the insurance, look at a car then try for the the insurance, look at a car then try for the insurance (at least until you earn some No insurance (at least until you earn some No Claims Discount!)Claims Discount!)

Key terms you may need to knowKey terms you may need to know

Excess:Excess: The amount of any claim which you agree to pay if your car is lost, stolen or damaged, The amount of any claim which you agree to pay if your car is lost, stolen or damaged, irrespective of fault. You are entitled to seek recovery from a responsible party in the event of irrespective of fault. You are entitled to seek recovery from a responsible party in the event of an accident which was not your fault.an accident which was not your fault.

Fully Comprehensive or Comprehensive Cover: Fully Comprehensive or Comprehensive Cover: The widest ranging vehicle insurance cover. In The widest ranging vehicle insurance cover. In addition to the cover provided by Third Party, Fire and Theft insurance, this also covers your car addition to the cover provided by Third Party, Fire and Theft insurance, this also covers your car against any damage caused by an accident or someone else, whether you are at fault or not.against any damage caused by an accident or someone else, whether you are at fault or not.

Third Party Only Cover: Third Party Only Cover: The minimum level of insurance cover for a car which is required by The minimum level of insurance cover for a car which is required by law. Third Party Only covers your liability for death or bodily injury to anyone else and your law. Third Party Only covers your liability for death or bodily injury to anyone else and your liability for damage to someone else's property. It does not cover any damage to your vehicle.liability for damage to someone else's property. It does not cover any damage to your vehicle.

No Claims Discount:No Claims Discount: A discount offered as a reward for you not making a claim on your A discount offered as a reward for you not making a claim on your insurance for a number of years.insurance for a number of years.

Pass Plus: Pass Plus: This is a training scheme for new drivers. This course has been specially designed This is a training scheme for new drivers. This course has been specially designed by the Driving Standards Agency (DSA) to help drivers, amongst other things, gain valuable by the Driving Standards Agency (DSA) to help drivers, amongst other things, gain valuable driving experience and to build on their existing skills and knowledge.driving experience and to build on their existing skills and knowledge.

Tracker Device:Tracker Device: A device which allows a vehicle to be located if it is stolen. A device which allows a vehicle to be located if it is stolen.

ScenariosScenarios Go to www.Teentrack.co.uk and click on “Compare Car Insurance”Go to www.Teentrack.co.uk and click on “Compare Car Insurance” Look at the case studies.Look at the case studies.

Answer the following:Answer the following:1.1. Which telematics insurance is the most suitable insurance policy?Which telematics insurance is the most suitable insurance policy?2.2. Which telematics insurance is not suitable?Which telematics insurance is not suitable?3.3. Using one of the registration numbers on the scenario, get 3 quotes for Using one of the registration numbers on the scenario, get 3 quotes for

yourself. Think aboutyourself. Think about Your lifestyleYour lifestyle How many hours you might driveHow many hours you might drive What time of day you will driveWhat time of day you will drive Who you can add to the policy (E.g. a parent, it can make it cheaper. But Who you can add to the policy (E.g. a parent, it can make it cheaper. But

if it is your car do not put them down as the main driver. It is called if it is your car do not put them down as the main driver. It is called fronting and is illegal.)fronting and is illegal.)

Important: Never lie or tell a small fib on an insurance policy. If they find out it Important: Never lie or tell a small fib on an insurance policy. If they find out it will invalidate your policy and could cost you thousands of pounds.will invalidate your policy and could cost you thousands of pounds.

PlenaryPlenary

Write down three new facts you have Write down three new facts you have learnt this lesson about car insurance.learnt this lesson about car insurance.

Write down three questions that have not Write down three questions that have not been answered in this session been answered in this session

Extension: Visit “safer driver tips” on Extension: Visit “safer driver tips” on www.teentrack.co.uk and become a more www.teentrack.co.uk and become a more careful driver!careful driver!