Driving School Blackburn

Learn To Drive For Manual Car Driving lessons ln Blackburn

Yaseen’s Driving School

07836203428

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To book your driving lesson please call Yaseen on 07836203428

THE THREE MAIN CAR INSURANCE OPTIONS

Third Party:
The most basic UK car insurance option. Third party car insurance is the minimum coverage that allows you to drive legally in the UK. Any damage you do to a ‘third party’ i.e. someone or something that is NOT YOU or YOUR CAR is covered. You have no cover for personal injury or damage to your vehicle. So if you damage your car, or if your car is stolen, and you only have Third party car insurance you will have to pay for the repairs / cost of replacing the car.

Third Party Fire and Theft:
As well as the most basic level of car insurance (above) Third Party Fire and Theft insures your car against fire and theft. This option is the most popular car insurance for new and young drivers.

Fully Comprehensive Car Insurance:
Comprehensive car insurance gives you full risk cover for your car. This means that you can claim for any damage caused to your car by any means, apart from exclusions found in the small print.

In addition to allowing you to claim for the damage caused to your car in an accident, with comprehensive car insurance cover, you can also claim for acts of vandalism, theft, or any other accidental damage to your car which does not involve a crash. Unless loaded, as new or young drivers, you will not be able to afford fully comprehensive car insurance.

CHEAPER CAR INSURANCE – HOW TO REDUCE YOUR YOUNG DRIVER CAR INSURANCE PREMIUM
As a new or young UK driver you know your insurance premium is going to be too high. The reason for this is simple- you’re a bigger risk to insure than the average car driver.

Newly qualified UK drivers are more likely to have an accident during their first year of driving than at any other time.
Per mile of driving, the risk of an accident involving injury or death is about seven times greater for 17-20 years old than for those aged 40 or over.
Drivers under 21 are involved in 15% of all accident deaths.
New drivers make up just 10% of licence holders, but are involved in 29% of accidents.

Use the following tips to keep your young driver car insurance premium low.

Take the Pass Plus
The pass plus examination is for new and young car drivers. It is an intensive training course that helps new drivers become a better drivers. Pass the pass plus and you will get a discount of up 35% on your car insurance. Taking the Pass Plus will cost around £100 but given the high cost of new driver car insurance you should save more than this on your car insurance premium. Ask your driving instructor for details.

Pay a higher excess
Insurers will insist on a minimum amount that you have to contribute to any insurance claim. The standard amount is £100. As new and young drivers if you volunteer a higher amount you could save on your car insurance premium.

Pay your premium in one go
It is often cheaper to pay your years car insurance in one lump sum rather than in monthly instalments, Most insurers charge interest of around 15% APR (some up to 30%) to allow you to pay your premium in monthly instalments.

Named drivers
Adding a named older driver to your car insurance policy, i.e. your parents, can save you 10% on your premium. Likewise, avoid having younger named drivers on your policy.

Security
Beef up your car security. Thatcham approved car alarms are recognized by all insurers and most will discount your premium if you have these fitted. If you have a garage then use it. Your car is less likely to be stolen from your garage or from your drive than if it is parked in the street. Insurance companies will recognize this and offer reduced premiums.

Buy your car insurance policy online.
Most car insurance companies offer a discount if you buy online via their web site.

Be Born Female
Female car insurance is cheaper. Why? Because the average female is a safer driver than the average male. Result, cheaper car insurance for the ladies.

Shop around
According to the Association of British Insurers it is possible to save 35% on a car insurance premium by simply comparing several insurance companies against each other. As young drivers such a discount can be considerable. So get as many insurance quotes, online or otherwise, as you can. It will save you money.

Theory Test Sample Questions

1	Which of the following is NOT allowed to travel in the right-hand lane of a three-lane motorway? Mark one answer. A vehicle towing a trailor An estate car A motorcycle A mini bus
2	If you start to feel tired whilst driving you should Mark one answer. Increase your speed to reduce your journey time Decrease your speed Stop at a safe place and rest Turn on the radio and listen to loud music
3	Coasting your vehicle whilst driving will.. Mark one answer Increase the control you have over the vehicle Decrease the control you have over the vehicle Make the car use more fuel Reduce the vehicle’s braking distance
4	Driving towards a zebra crossing you see an elderly woman waiting to cross. What should you do? Mark one answer. Speed up Be prepared to stop Beep your horn to acknowlege her Flash your headlights at her and wave her to cross
5	When should you use front fog lights? Mark one answer. After dusk When visibility is reduced to 100 metres or less When overtaking at night When visibilty is reduced to 150 metres or less.
6	When travelling on ice braking distances can be Mark one answer. Three times the normal distance Ten times the normal distance fifteen times the normal distance Six times the normal distance
7	When travelling at 60mph on a dry road the shortest overall stopping distance is what? Mark one answer. 73 metres 83 metres 55 metres 95 metres
8	Whilst driving a front tyre bursts. What should you do? Mark two answers. Change to a low gear Brake quickly and firmly Allow the vehicle to roll to a stop Apply the handbrake Grip the steering wheel firmly
9	A driver has had a few alcoholic drinks, what advice should you give them? Mark one answer. Take extra care when driving home Do not drive home Drink several cups of coffee before driving home Take a short sleep before driving home
10	What is the national speed limit for cars in the left-hand lane of a three-laned motorway? Mark one answer. 80 mph 60 mph 70 mph 50 mph
11	You should never reverse Mark one answer. On a main road At night For longer than necessary Into a side road
12	After how many years does a car first need a MOT certificate? Mark one answer. Four years Three years Two years One year
13	Which of the following are likely effects of drinking alcohol? Mark three answers. Reduced co-ordination Speedier reactions Increased road awareness Increased confidence Poor judgement
14	When travelling in very heavy rain your overall stopping distance is likely to be Mark one answer. The same as normal Trebled Doubled Quadrupled
15	Travelling on a wet motorway with road spray tou should Mark one answer. Turn on your hazard lights Turn on your rear fog lights Turn on your front fog lights Turn your headlights to dipped mode
16	The national speed limit for cars and motorcycles on a single carriageway road is Mark one answer. 30 mph 40 mph 50 mph 60 mph
17	A pedestrian with a white stick and red band is Mark one answer. Over 65 years old Deaf and dumb Deaf and blind Blind only
18	A provisional licence holder must not drive a motor car Mark one answer. At night On a dual carriageway Alone With passengers
19	Which type of crossing can detect when people are on them? Mark one answer. Puffin Toucan Zebra Pelican
20	Which THREE should you do when passing livestock on the road? Allow plenty of room Go very slowly Be ready to stop Sound your horn Speed up and quickly overtake
21	You turn into a side road. Pedestrians have started to cross the road. You should Mark one answer. Give way to them Flash your lights and wave them across Drive around them Proceed regardless
22	The right hand lane on a three-lane motorway is used for Mark one answer. Crusing at high speeds Overtaking Crusing at low speeds High-sided vehicles
23	Why, on a windy day, should you allow extra room when overtaking a motor cyclist? Mark one answer. The rider may be blown into your path The rider may be forced to stop suddenly You will have less control over your vehicle You will be travelling faster than normal
24	A strong cross wind is least likely to affect which of these vehicles? Mark one answer. Cyclists Cars High-sided vehicles Motorcycles
25	Which of the following must not use a motorway? Mark three answers. Learner drivers Cyclists Buses Motorcycles over 100cc Tractors
26	You can use the engine of your vehicle as a brake by Mark one answer. By selecting fifth gear By selecting a lower gear By turning the engine off By travelling with the clutch pressed down
27	The age group most likely to be involved in road accidents is Mark one answer. 30 to 45-year-olds 17 to 25-year-olds 46 to 55-year-olds 55 to 66-year olds
28	In which of the following should you avoid overtaking? Mark two answers. On a 40mph road On a dual carriageway Approaching a junction Approaching a brow of a hill
29	To help prevent your vehicle’s radio from being stolen you can Mark one answer. Park in a quiet area Park in a busy area Install a security coded radio Install a cheap, no frills radio
30	At the scene of an accident you have to treat someone for shock. What should you do? Mark one answer. Sing to them Try and cool them down Keep reassuring them until qualified help arrives Give them liquids to drink
31	When are passengers allowed to ride in a caravan that is being towed? Mark one answer. When they are over 18 years old Never When travelling on minor roads In the summer
32	When correcting a rear-wheel skid you should Mark one answer. Steer into the skid Brake sharply Steer away from the skid roll with it
33	At which pedestrian crossing are cyclists allowed to ride across? Mark one answer. Zebra Pelican Puffin Toucan
34	Overloading your vehicle may seriously affect Mark two answers. Your comfort The handling Your ability to change gear The steering
35	When travelling on ice braking distances can be Mark one answer. Seven times greater than normal Ten times greater than normal Eight times greater than normal Twice as great than normal