UK News: Could I really cut my car insurance bill by driving at 100mph? Toby Walne hones his racing skills in a Lotus - and becomes a safer driver - - PressFrom - United Kingdom
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UK News Could I really cut my car insurance bill by driving at 100mph? Toby Walne hones his racing skills in a Lotus - and becomes a safer driver

04:35  18 november  2019
04:35  18 november  2019 Source:   thisismoney.co.uk

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Toby Walne hones his racing skills in a Lotus – and becomes a safer driver . By Toby walne for the Daily Mail. Published: 20:28 EST, 16 November 2019 Hurtling towards a corner at 100 mph , the driving instructor barks out an order to slam the foot down hard on the accelerator rather than ease off.

If you were driving someone else’s car at the time of the accident, you are required to leave the In New York, failing to leave contact info can result in a 0 fine and up to 15 days in jail. If the other driver hit your legally parked car , then the other driver ’s insurance should pay for the damage.

Hurtling towards a corner at 100mph, the driving instructor barks out an order to slam the foot down hard on the accelerator rather than ease off. I splutter that we are both likely to die but British GT Championship race winner Rob Barff is not impressed – and demands I keep focused on the road ahead.

The tutor knows what he is talking about because after just a day of racing at the Lotus Driving Academy in the Norfolk village of Hethel, I am not only still alive – but a much better motorist.

Strange as it might seem, trying to emulate the newly crowned six-time Formula 1 World Champion Lewis Hamilton on a race track is far more than just about having fun. It makes you a safer driver, can help knock hundreds of pounds a year off car insurance premiums and reduces the chance of ever getting involved in a road accident.

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Car insurance rates don’t always go up. Whether a texting ticket will affect your car insurance bill depends a lot on the law in your state. If you live in a state where a texting ticket is considered a moving violation and adds points to your driving record, then you might see an increase at renewal

Discounts can help drive insurance costs down, some of which are specific to bikes. Glenn Greenberg with Liberty Mutual, says,"We offer a motorcycle " I get groceries as I need them -- instead of once a week. I have storage on my bike and a large backpack that helps with larger items such as framed art

a man riding on the back of a car: FAST LEARNER: Toby Walne saved £31 on the insurance for his Lotus Elise © Provided by Associated Newspapers Limited FAST LEARNER: Toby Walne saved £31 on the insurance for his Lotus Elise

There are a host of track days and courses available to improve motoring skills. Perhaps the most popular is the advanced driving programme run by motoring organisation IAM RoadSmart. It can help lower motor insurance premiums by up to 20 per cent – £200 for a young driver paying £1,000 a year.

The course costs £149, typically comprises ten lessons (up to two hours a time), with an expert showing how you can improve your motoring skills and confidence by learning to anticipate hazards on the road. It also offers £135 half-day track days. With 185 RoadSmart groups dotted around Britain it should be easy to find a local centre.

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Will my car insurance policy cover towing charges? Even if you don’t have towing coverage on your auto insurance policy, your vehicle can still be towed to a repair shop if it’s involved in a collision or other type of covered accident.

Does insurance follow the car or the driver ? As you can see, an auto policy provides a lot more coverage than you might initially think. Liability insurance , which pays for third-party damages and medical bills , will always follow the driver regardless of whose vehicle is being operated at the time.

You can also cut insurance costs by up to a fifth by taking the Government-recognised Pass Plus course that involves a professional driver showing you how to improve your motoring skills – it includes all-weather, rural, motorway and night driving.

It usually costs £180 and involves six hour-long lessons. Although targeted at newly qualified motorists, anyone with a driving licence can take the course. Details of local instructors can be found by visiting the website of the Driver and Vehicle Standards Agency or phoning 0115 936 6504.

a car driving on a road: More than £8.1 billion of claims were made on motor insurance last year and the vast majority could have been prevented had greater skill been shown behind the wheel © Provided by Associated Newspapers Limited More than £8.1 billion of claims were made on motor insurance last year and the vast majority could have been prevented had greater skill been shown behind the wheel

The course I opted for was a £400 track day at the Lotus Driving Academy, in the process earning me a ‘bronze level’ certificate.

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Car insurance for young drivers is expensive, as you'll see in the table below, but you can still save by putting the teen on your policy rather than getting him My daughter is about to start driving , so this is good to know before we purchase the insurance . I really want to be sure that we get a good policy so

Many car insurance companies allow parents to list a teen with a learner’s permit on the policy at no charge until the child becomes a fully licensed Delay your teen receiving his license. The younger the driver , the higher the car insurance costs. If your teen starts the licensing process at 15 but waits

Although a large element of the training involved the thrill of learning motor racing skills, road management was also a key element – making me a safer driver behind the wheel.

Negotiating chicanes and taking sharp corners at speed in a Lotus Elise Sport 220 was a skill that instructor Barff believes could one day save my life.

He says: ‘Your level of alertness rises when improving your driving skills – and you are looking ahead at potential road challenges. If an animal suddenly jumps out or you hit a patch of oil there is no need to panic if you are in control of your driving. Developing ability makes motoring more fun and puts you more in control of day-to-day driving.’

More than £8.1billion of claims were made on motor insurance last year and the vast majority could have been prevented had greater skill been shown behind the wheel. Sadly, once a driving test has been passed many motorists believe this is the end of learning – when it should really be the start.

Annual motor insurance costs an average of £789, according to the comparison website Confused. Men tend to pay more than women – £827 a year compared to £741. This is because females make fewer claims so appear to be safer drivers.

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Surprisingly, Dumbreck never dreamed of becoming a racing car driver when he was growing up. "My parents had a mushroom farm in Scotland, so I Before every race , he sits quietly with his eyes closed and visualises driving at top speed on the racetrack. "So much in racing is mental preparation.

Find how much is car insurance for teens or young drivers , companies offering cheap insurance , adding teens to a You can get insurance with a permit, but most car insurance companies include the permitted teen on the Talk to your teen early and often about safety. Insist they drive a safe car .

a car driving down a street: One in three motorists receives a fine every year, paying out a total of £800 million from avoidable speeding and parking tickets © Provided by Associated Newspapers Limited One in three motorists receives a fine every year, paying out a total of £800 million from avoidable speeding and parking tickets

Avoid accidents and your premiums soon plummet as no-claims bonuses build up. After just four years of accident-free motoring the cost of insurance can drop by 60 per cent. Yet if you get involved in an incident during this time, the cost of your insurance may go up by a third – even if the accident was not your fault. Being a safer driver is not just about saving money – but also lives. Five people a day die on average in road traffic accidents in Britain as a result of incidents that are often avoidable.

Rodney Kumar, a spokesman for IAM RoadSmart, says: ‘Track days and driving courses help you get the most out of a car. They help you understand acceleration, breaking and cornering so that you might handle vehicles better in the future. It is not just about improving your own anticipation skills but also being more aware of the behaviour of other drivers as often motor accidents are not your fault.’

One in three motorists receives a fine every year, paying out a total of £800 million from avoidable speeding and parking tickets. A driving course will focus not just on natural hazards but also road signs and rules that if heeded enable you to avoid such penalties.

Florida dog hijacks car, spends an hour driving in circles

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Can I add someone else as a driver to my car insurance policy? These listed drivers are simply individuals who frequently use the vehicle. Your insurance company needs to know who routinely drives your cars so that it can accurately assess the risk of your auto being involved in an accident.

The instructors at Bill 's Driving School helped my son to learn how to drive safely and my son passed the DMV driving test the first time. The reasonable price and good reviews lead me to take lessons with Bill . He is very professional, patient and punctual.

Improving skills on a racetrack is often best done in someone else’s vehicle and not your own to save on engine wear, brake pads and tyre rubber. But part of taking an advanced driving course on the road includes how better use of the accelerator, gears and braking can prevent expensive wearing down of the clutch and tyre tread – as well as save on fuel bills.

And my motor insurance? I paid insurer Hastings Direct £272 a year to cover my second-hand £15,000 Lotus Elise. After visiting comparison websites and calling Hastings explaining my new-found driving skills, it offered me exactly the same cover – for £241.

More ways to cut the cost of cover

● DO not just accept the insurance quote from your existing provider – or be lulled into the ease of auto-renewal. Six million motorists could save up to £200 a year by switching. Use a comparison website such as GoCompare to see if you can get a better price. Then, call your existing insurer to see if it can beat the offer. You may be pleasantly surprised.

● GET a black box. Insurers can knock up to 20 per cent off premiums if you are willing to have a telematics tracking device fitted in your car. The technology monitors your location, driving style and speed – hopefully making you more cautious behind the wheel, so cheaper to insure. Firms install boxes for free or a £100 one-off fee. The palm-sized tracker is typically put out of sight under the dashboard.

● PROTECT a no-claims bonus. A five-year, no-claims bonus can shave up to 75 per cent off your premiums so is worth keeping. It may also be worth protecting this bonus by paying an extra £25 a year.

● THE cheapest quote is rarely the best. You may find any rock bottom deal comes with a high excess – £500 plus. This will wipe out any savings if you are involved in an accident, even if it is not your fault. Look at what is included in the policy – such as medical and legal cover and car breakdown. Other extras may include replacement of lost keys, stereos, windscreens and courtesy cars. Fully comprehensive insurance is the best because it offers cover if the accident was your fault – or that of somebody else.

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