ivers should be reminded that car insurance is not an optional extra

For people wanting to drive a car in a public place, it is a legal requirement to have motor insurance and be able to produce an up to date Certificate of Insurance to be able to pay for car tax.

Anyone who does not have motor insurance in place when driving is committing a very serious offence, which will incur a fine, penalty points and may lead to the motorist being disqualified from driving.

The reason motor insurance is a legal requirement is because it protects other road users, as opposed to the driver of the insured vehicle. If you are involved in a road accident that was not your fault, would you not want the person responsible for the accident to be insured to cover your costs?

Young drivers represent a higher risk for insurance companies as they are involved in more accidents than any other age group, therefore, the cost of car insurance for younger people is much more expensive to reflect this. This is the same throughout Europe.

Young drivers can reduce the cost of their car insurance quote by joining a parent’s insurance as a named driver, which will allow them to establish a safety record, which will be beneficial when it comes to applying for their own insurance.

Choosing a car with a small engine will also help to keep costs down, as less powerful cars are cheaper to insure. Obviously driving carefully will always be the best way to keep insurance costs down.

Remember, car insurance is not an optional extra.