Young drivers pick up the bad driving habits of their parents

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A recent survey by car insurance provider, AXA has found that the way in which parents of young people conduct themselves when behind the wheel is likely to be replicated when their children take up driving as the study suggests we are more likely to pick up the bad driving habits of our mother or father.

The AXA Car Insurance survey discovered that drivers aged 18-30 and three times more likely to get banned from driving or to receive points on their licence if their parents have done either of the aforementioned. Also young drivers are seven times more likely to get behind the wheel after consuming alcohol if they have witnessed their parents doing the same compared to a young person who has never seen their parents drive after drinking.

Young drivers are also more likely to be aggressive motorists if their mother or father have a tendency to display angry traits when driving such as swearing at other road users, beeping their horn and flashing their lights excessively.

The research highlights just how much young drivers are being influenced, whether consciously or subconsciously, by the driving actions of their parents. Years of watching how their mums and dads behave behind the wheel rubs off on youngsters and they are more likely to pick up their bad habits from what they’ve seen.

Tips on how young drivers can keep the cost of insurance low

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The cost of insurance is the biggest hurdle facing young drivers according to a study carried out by I-Kube who specialise in the provision of cover for new drivers. 90% of those questioned as part of the survey said that the cost of cover was the biggest barrier to getting on the road, the expense of buying a car was voted as the second biggest obstacle. With the cost of car insurance proving an issue for young drivers, here are some helpful hints to keep the cost of cover down.

Shop around to find the best deal. Use price comparison sites, but also seek out companies which specialise in cover for young drivers. Finding a policy which is most suited to you personally will help to bring the cost down.

Go with an insurer which recognises Pass Plus. By undertaking this driver training course, which is aimed at those who have recently passed their test, you could see your insurance premiums drop by up to 35%

Buy a car which you can afford to insure. As your first car, it’s a wise decision to opt for a vehicle which is in the lowest possible insurance group in order to keep your cover low. Before you actually buy your first car, get a few insurance quotes so you can determine whether or not you can afford to insure it.

Add another driver to you policy. By adding a more experienced driver to your car insurance policy such as a parent, you could see your premiums decrease. However you must remain as the main driver of the vehicle not the older driver. Falsely naming a parent or more experienced driver as the main driver on a policy is known as “fronting” and is against the law.

Follow these tips in order to find the cheapest car insurance policy for your first car.

Parents warned against “fronting” on a child’s car insurance policy

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Parents are being warned against “fronting” as the main driver on a son or daughter’s car insurance policy to keep the cost of cover down.

Insurance companies are advising individuals who carry out this practice that they are invalidating the car insurance policy by giving incorrect information, and also committing insurance fraud.

A survey found that 35% of drivers saw “fronting” as a loophole by which to obtain cheap car insurance for a younger driver. The price of insurance for new drivers is notoriously expensive which is why some parents take the decision to place themselves as the first named driver on the policy, when in fact the vehicle is driven more frequently by their child.

However not only is this practice illegal, but by giving false information on an insurance policy, the cover is likely to be invalidated.

Police also warn that those caught without adequate insurance cover will face stiff penalties, and possibly even prosecution. Although many parents don’t realise they are committing an offence by naming themselves as the principal driver instead of their child, is how many of these problems arise.

Car insurance specialists have reported a lot of confusion amongst drivers in regards to giving accurate information on a car insurance policy. They hope drivers will heed this warning bringing an end to “fronting” on vehicle insurance policies.