Hi guys. I recently passed my driving test (Im 34 so a bit behind the times lol). Ive spotted a car I like but when getting insurance quotes it asks about licence restrictions due to disability. Do we as type 1 have no restrictions or is it a 3 year restricted licence?
So confused!!
Lynz84 - I agree with the others that you have to declare your T1, or the likelyhood is you are buying zero insurance in any case. Any challenge or claim to it would be rejected by the insurance company, and could be very costly, in all manner of ways.
In terms of your premium, it is often advantageous to have more than one driver on a policy - especially if that other driver is older. My policies are always cheaper if I add my O/H, as an additional diver. We have both had many, many moons of both full driving licenses, no claims bonus, and are both well over the magic 25 years old. It just seems cheaper. His are similar. My giess is it spreads the insured risk.
What you must be clear and careful of though is that for your own car, you
must be the main driver. You
must not use another person to be the main driver (even though it might reduice the premium).
If you have a partner, or parent who is a driver with a full, clean license, try adding him/her to the quote and see what happens. It is also, bizarrely, often cheaper to insure fully comprehensively, rather than third party, fire and theft. It's all a game!
Good luck with the driving and enjoy your new car.