We often get asked this a lot with potential clients looking to do an advanced driving course. As much as we would love to say yes, virtually all mainstream competitive insurers will not reduce your car insurance after taking an advanced driving course. Here is why:
When an insurance company is assessing your risk and, subsequently, the price you will pay, they will look at a number of variables such as:
* Your age and gender
* Driving experience
* Claims and convictions
* No Claims Bonus
* Medical issues
* Where you live
* Make and model of vehicle
* Vehicle usage
* Type of cover (TPFF, Comprehensive etc)
All these points play a huge part in what you pay. There are some things you can actively do to reduce your car insurance, such as type of cover, vehicle usage, make and model of vehicle.
There are some things which you can’t change, such as age, experience, No Claims etc – these just come with the passage of time, which for a young driver can be incredibly frustrating.
Taking an advanced driving course to reduce insurance does not tend to lower your premium for two main reasons:
* Insurance companies may not fully understand the benefits of driver training
* Insurance companies may argue that you need to prove you’re a safer driver – i.e. how you drive after taking training.
Taking an advanced driving course with the sole aim of saving money is never going to work if you then just get back into your car and drive the way you always have done. Why, then, should an insurance company give a discount? You need to prove you are a good driver. This is why having a black box fitted can be so good for young drivers – insurance companies have real-time proof of how you’re driving.
With an advanced driving course, we teach you to become a safer, more skilful driver who should have a lower collision rate and, as a result, should claim less. You become less of a risk to the insurance company. Making the conscious decision to take an advanced driving course to commit to it, and to continue to work on your driving after the training – following the points and tips the tutor gave will have life-long benefits. Part of these benefits will be less wear and tear on your vehicle, a more enjoyable drive, and a lower probability of being involved in a collision. And from these points, you should see lower insurance premiums.
So, on reflection, it’s safe to say you can save money on your car insurance after taking an advanced driving course, but you need to prove you are a good driver as a result.
Are There Exceptions?
If you’re a company looking to insure a large fleet of vehicles, then often putting your staff through an advanced driving course can have generous savings on your insurance. Fleet insurance is often done on a one-by-one basis, making negotiations for training much easier. Some fleet insurers also require that all staff do some form of driver training if they are to be covered.
Sometimes fleet insurers will insist on a higher-risk driver, such as a new driver driving a company van takes an advanced driving course as it provides a risk scoring they can look at. Often, fleets do driver training as it forms part of their Duty of Care as an employer.
The only exceptions we have seen from a private insurance viewpoint are for ultra-high-risk drivers who intend to drive a high-powered car, where a course which carries a detailed risk assessment is required. Drivers we have provided such a course for are often professional footballers who have the means to purchase a high-powered car but are young and sometimes new to the UK. These clients often have their own private insurance specialists arranged by the football club they are signed to.
If you are looking for a vehicle insurance quote, then please visit our insurance portal.