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Car Insurance Premiums


SW_matt
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Does anybody happen to know if any driving qualifications gained as a special/regular affect car insurance premiums. It was just something I was pondering as my premium currently sits at an evil £3k per year mark! :new_violin: :new_thmbdn2:

Definitely would be a nice little benefit on the side :new_shades:

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I work for a Car Insurance company, and we don't even take additional driving qualifications into account.

May I ask how old are you to be paying £3k a year? that is an outrageous price!

Edit; I checked your profile and I can see you're 18. What company are you insured with out of curiosity?

Edited by Jakeh
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If you are a response driver you qualify for IAM membership, and their broker can sometimes get good deals for you.

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3 grand!? What car you driving?

I've got the IAM thing and that knocked £100 of mine, although i'm with a specialist insurer for my golf gti.

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If you are a response driver you qualify for IAM membership, and their broker can sometimes get good deals for you.

You are able to join outside any police driving qual as well, if you pass IAM's own assessment. Not to imply it's easy to do and it is certainly not the same as a response course, but again they may then be able to get a better price as/when you qualify for membership.

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You are able to join outside any police driving qual as well, if you pass IAM's own assessment. Not to imply it's easy to do and it is certainly not the same as a response course, but again they may then be able to get a better price as/when you qualify for membership.

I think that annual membership to the iAM is about £40 a year as well so that your eligible for discounts

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When I was quoted, I was asked what I do - which is custody, then if I had any other occupations (voluntary, etc..). As soon as a I said I was a SC it went up a few 100! Luckily... I am no more :p

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I have not mentioned the SC thing to my insurer, my car insurance premium took a hit enough after 1 write off of my own car, and then moving from a posh little town to one of the roughest estates in Lancaster. I don't want to make it any worse.. though I will be enjoying a rise of up to 25% next year for being a female, though I also turn 25 so I don't expect it should be too bad.. :new_hmmm:

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By not declaring your second "employment" it means you could be in hot water with your insurers if you have a bump on the way to or from your Specials duty. I would declare it!

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Good point.. however my station is 5 mins from where I live and in the same city as I live, I usually walk, and when I do drive I would pass it off as just driving round town doing something else.

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I usually walk, and when I do drive I would pass it off as just driving round town doing something else.

I hope not.

You will need business use on your Insurance, especially if you claim expenses, it's not worth the risk.

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Some policies allow commuting to more than one place of business, check you documents.

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I work for a Car Insurance company, and we don't even take additional driving qualifications into account.

May I ask how old are you to be paying £3k a year? that is an outrageous price!

Edit; I checked your profile and I can see you're 18. What company are you insured with out of curiosity?

3 grand!? What car you driving?

I've got the IAM thing and that knocked £100 of mine, although i'm with a specialist insurer for my golf gti.

Yes, being an 18 year old male driver is definitely pricey, i drive a 54 plate 1.2 corsa twinport, the fact that its not a standard 1.0 does me no favours! :p Although im with LV and they were the cheapest by far!

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Good point.. however my station is 5 mins from where I live and in the same city as I live, I usually walk, and when I do drive I would pass it off as just driving round town doing something else.

Are you for real?

You're on a police website stating that you're a serving police officer with Lancashire Police and you're openly saying that not only do you not have the proper insurance in place for your vehicle ('when I do drive', not if 'I were to drive') but you're also saying that you would defraud your insurance company in the event of a claim?! Is there a reason that you shouldn't be reported to your professional standards department?

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