Guides – Veygo

Tips for parents to support their learner drivers

Angharad Evans — Fri, 14 Mar 2025 13:05:10 +0000

Your child’s turned 17, started learning to drive and needs some extra practice in between driving lessons. Research shows that, on average, it takes learners 45 hours of driving lessons with an instructor, plus 22 hours of private practice to pass their test. So, while this is an exciting time, it can also be quite daunting for both parents and learners.

Here are some key tips on how you can guide and support your child as they learn to drive:

Use Ready to Pass? resources for guidance and to track progress

Guidance and advice: It’s difficult to know what you should be teaching your child and when. The UK Government’s Ready to Pass? website offers free and easy-to-follow guidance on the essential driving skills your learner needs to know.
27 driving skills: Ready to Pass? have broken down 27 key driving skills into five different levels, so it’s easy to keep track of a learner driver’s progress. You’ll know they’re ready to take their driving test when they’re consistently achieving level five on each of the 27 skills.

Be patient and understanding

Stay calm: It’s normal for learner drivers to make mistakes. Remain calm and offer constructive feedback rather than expressing frustration.
Create a positive learning environment: Encourage them with praise when they do well and provide constructive feedback when they make mistakes. Acknowledge improvements and praise their efforts, no matter how small.

Set a good example and review traffic rules

Model safe driving habits: Show them the right way by demonstrating good driving behaviour, such as obeying speed limits, using turn signals, and staying focused on the road.
Follow road safety rules: Don’t forget that your child will likely mimic your driving habits.
Go over traffic laws: Ensure they understand all traffic signs, rules of the road, and road safety. This helps avoid confusion and promotes responsible driving.
Discuss road safety: Have regular conversations about the dangers of speeding, driving under the influence, or distracted driving.

Practice regularly and create a structured practice plan

Start with short, simple drives: Begin with calm areas like car parks or quiet streets before progressing to more challenging driving situations.
Gradually introduce new challenges: Start in low-traffic areas and slowly move on to more complex situations like parallel parking or in heavy traffic. As their skills grow, introduce new conditions like night driving or driving in inclement weather.
Encourage consistent practice: Regular driving practice helps them gain confidence and improve their skills.
Have a structured learning schedule: Plan sessions around their learning needs and progress.

Provide emotional support

Build their confidence: Acknowledge their progress, even if it’s small. Positive reinforcement boosts confidence. Celebrate successes when they handle something well.
Address anxiety or fear: If your child is nervous about driving, be understanding and help them overcome their fears step by step.
Be specific with feedback: Instead of general comments like “Drive better,” point out specific areas for improvement (e.g., “Try braking a little more gently”).

Help them stay focused

Create a focused environment: Encourage them to focus only on the road. Avoid distracting activities like using the phone, playing loud music, or talking too much while they’re driving. Focus on the task at hand.
No additional passengers: Avoid having other passengers in the car during practice to keep distractions to a minimum.

Learning to drive can be stressful but by being patient, offering regular practice, providing clear guidance, and reinforcing safe driving habits, you’ll help your learner develop the skills and confidence they need to become a safe, responsible driver.

If your learner needs occasional extra practice, get Veygo’s pay-as-you-go insurance, available by the hour, day or week or get a monthly rolling subscription for ongoing learner cover. Whatever you need, get a learner driver insurance quote today.

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Weekend road trip inspiration in the UK

Angharad Evans — Fri, 14 Mar 2025 11:52:03 +0000

Looking for the perfect weekend road trip in the UK? Whether you’re a nature lover, history enthusiast, or simply in search of breathtaking views, the UK has so many scenic drives, charming towns, and hidden gems to explore within just a few hours’ drive from most cities.

Here’s our take on some of the best road trip routes in the UK that will make your weekend getaway unforgettable. From the dramatic landscapes of the Scottish Highlands to the quaint villages of Cornwall, here’s your guide to the ultimate UK weekend road trip.

The Lake District: A scenic escape into nature

Best For: Nature lovers, hikers, outdoor enthusiasts.
The Lake District National Park is a top choice for a weekend road trip, offering picturesque views, tranquil lakes, and rolling hills. Known for its stunning landscapes and charming villages, this UNESCO World Heritage site is a haven for outdoor activities such as hiking, boating, and cycling.

Highlights:

Lake Windermere: The largest lake in England, perfect for a boat ride or a lakeside walk.
Grasmere Village: A charming village famous for being the home of poet William Wordsworth. Don’t forget to try the famous Grasmere gingerbread.
Helvellyn Mountain: A popular hike with spectacular panoramic views (for more experienced hikers).
Castlerigg Stone Circle: A prehistoric site with amazing views of the surrounding hills.

Cornwall: Coastal charm and hidden coves

Best For: Beach lovers, history buffs, foodies.
Cornwall is renowned for its stunning coastline, sandy beaches, and dramatic cliffs. Whether you want to relax on the beach, explore ancient castles, or indulge in delicious Cornish pasties, this south-west gem has something for everyone.

Highlights:

St Ives: A picturesque seaside town with golden beaches, charming streets, and art galleries.
Land’s End: The famous westernmost point of England offers dramatic views over the Atlantic Ocean.
Tintagel Castle: A historic site linked to the legend of King Arthur.
Padstow: Known for its seafood, this charming town is perfect for food lovers looking to sample local delicacies.

The Cotswolds: English countryside bliss

Best For: History enthusiasts, couples, slow travellers.
If you’re looking for quintessential English countryside charm, the Cotswolds is the perfect weekend road trip destination. With its rolling hills, historic market towns, and thatched-roof cottages, this area feels like stepping into a storybook.

Highlights:

Bourton-on-the-Water: Often called the “Venice of the Cotswolds,” this village is known for its picturesque riverside setting and charming bridges.
Bibury: A beautiful village with traditional stone cottages and the iconic Arlington Row.
Stow-on-the-Wold: A charming market town with antique shops, cozy pubs, and stunning architecture.
Broadway Tower: A unique tower that offers spectacular views of the Cotswolds and is perfect for a photo op.

Northumberland Coast: A quiet retreat

Best For: History buffs, nature lovers, beachgoers.
For a more relaxed and off-the-beaten-path road trip, head to Northumberland, which offers a blend of rugged coastline, medieval castles, and sandy beaches. It’s perfect for those looking to escape the crowds and immerse themselves in natural beauty.

Highlights:

Alnwick Castle: Famous for being featured in the Harry Potter films, this medieval castle is a must-see.
Holy Island (Lindisfarne): A tidal island accessible by causeway, home to an ancient priory and a rich history.
Bamburgh Castle: Perched on a cliff, this dramatic castle overlooks miles of pristine coastline.
Beadnell Bay: A stunning and peaceful beach ideal for a relaxing day by the sea.

The Scottish Highlands: Majestic and remote

Best For: Adventure seekers, photographers, nature lovers.
The Scottish Highlands offer some of the most breathtaking and dramatic landscapes in the UK. From rugged mountains to remote lochs, this region provides a true escape into nature.

Highlights:

Loch Ness: Explore the iconic lake, famous for its mythical monster and stunning scenery.
Ben Nevis: The UK’s highest mountain, perfect for hiking enthusiasts looking for a challenge.
Glen Coe: A hauntingly beautiful valley with dramatic landscapes, ideal for photography.
Isle of Skye: Known for its rugged coastline, fairy-tale castles, and the famous Old Man of Storr rock formation.

Peak District: A hidden gem for outdoor lovers

Best For: Hikers, outdoor enthusiasts, families.
The Peak District is one of the UK’s oldest national parks and offers an abundance of natural beauty, with rolling hills, dramatic valleys, and charming villages. It’s an excellent destination for a weekend road trip if you’re seeking outdoor adventures and peaceful countryside.

Highlights:

Bakewell: A charming town known for its famous Bakewell tart.
Chatsworth House: A grand stately home with beautiful gardens and impressive art collections.
Mam Tor: A popular peak offering panoramic views of the surrounding landscape.
Derwent Reservoir: A peaceful spot perfect for walking, cycling, and picnicking.

So, whether you’re looking for a relaxing seaside escape, an adventurous hike, or a charming village to explore, the UK offers a variety of road trip destinations that can be enjoyed over a weekend. Pack your bags, hit the road, share the drive with Veygo’s pay-as-you-go car insurance and explore some of the country’s most stunning landscapes and historical sites.

Ready to plan your weekend road trip? Choose your destination, get your car ready, and start your adventure today!

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A guide to becoming a confident and safe driver

Angharad Evans — Fri, 14 Mar 2025 11:35:38 +0000

The journey to becoming a confident driver

Becoming a confident and safe driver is a journey that all learner drivers embark on. Whether you’re about to take your driving test or just starting your lessons, the road to getting your driver’s license can feel overwhelming. However, with the right preparation, practice, and mindset, you can succeed and become a safe, confident driver.

Understand the basics before hitting the road

Before you get behind the wheel, it’s important to familiarise yourself with the basic rules of the road. The Highway Code is always a good place to start. Knowing the following will help you feel more confident when you start your lessons:

Traffic signs and road markings: Learn the meanings of common traffic signs, road markings, and signals. Understanding these is essential for navigating the roads safely and passing your driving test.
Speed limits: Different roads have different speed limits. Make sure to familiarise yourself with local speed regulations and adjust your speed according to road conditions.
Know your car: You may be taking driving lessons with an instructor, as well as private practice with family or friends, which means you’ll be learning to drive in different cars. If this is the case, then make sure you familiarise yourself with the car you’re in before you start.

Choose the right driving instructor

Selecting the right driving instructor is an important step for any learner driver. Consider the following factors when choosing yours:

Certified instructors: Ensure your instructor is qualified and experienced. Look for instructors who are patient, clear in their explanations, and able to tailor their lessons to your learning style.
Lesson flexibility: Choose an instructor that offers flexible lesson times. It’s easier to schedule lessons that fit into your daily routine, especially if you’re balancing work, school, or other commitments.
Reviews and recommendations: Read reviews from other learners or ask for recommendations from friends or family. Positive feedback from previous students is a good indicator of a reliable instructor.

Regular private practice

Consistency is key when learning to drive. The more you practice, the more confident and skilled you’ll become. The DVSA Ready to Pass? campaign recommends 22 hours of extra private practice between driving lessons. Flexible learner driver insurance means you can get cover in just a few minutes, for as little or as long as you need. Here are a few tips to maximize your private practice sessions:

Go out when you can: Aim to practice regularly to build momentum. Short, frequent practice sessions are more effective than long gaps in between sessions.
Practice with someone you’re comfortable with: If possible, practice driving with a trusted family member or friend. Make sure they are patient and experienced enough to guide you through different driving situations. Don’t forget, they must be over 21, be qualified to drive the type of vehicle you’re learning in and have had their full driving licence for three years. More information can be found on the UK Government website.
Practice in different conditions: Try to practice driving in different weather conditions as this will help you become a well-rounded driver. But don’t forget to always be safe on the road.

Master key driving skills

As a learner driver, it’s important to focus on mastering the fundamental driving skills. Here are some of the key skills you should work on:

Steering and control: Practice keeping a steady grip on the steering wheel and making smooth turns. This is essential for staying in your lane and driving safely.
Parking and manoeuvring: Parking, parallel parking, and performing three-point turns are essential skills that will be tested during your driving test. Practice in different parking scenarios to gain confidence.
Understanding road positioning: Pay attention to road positioning when turning and overtaking. Good road positioning improves your safety and awareness.
Speed control: Learn to adjust your speed according to traffic conditions, road signs, and the flow of traffic. Practicing smooth acceleration and braking will help you maintain control of your vehicle.

Prepare for your driving test

Proper preparation is key to passing your test with confidence. Here are some tips:

Familiarise yourself with the test route: If possible, try to drive along routes that are commonly used for driving tests. Knowing the area can help reduce anxiety on the day of your test.
Mock tests: Many driving schools offer mock driving tests, which simulate the actual driving test experience. These are a great way to get feedback on areas you need to improve before the real test.
Stay calm and confident: On the day of your driving test, stay calm, take deep breaths, and trust your training. Remember, everyone makes small mistakes – what matters is how you recover and continue driving safely.

Drive safely

Once you pass your test, you’ll still need to be cautious and continue improving your driving skills. Here are some tips:

Stay focused: Avoid distractions – never use your phone or eat while driving. Staying focused on the road is crucial for responding quickly to any hazards or changes in traffic.
Keep a safe following distance: Maintain a safe distance from the vehicle in front of you. This will give you enough time to react in case of sudden stops or changes in traffic flow.
Use mirrors regularly: Always check your mirrors before making any changes to your speed or direction. Proper mirror use can prevent accidents and help you stay aware of your surroundings.
Don’t rush: Whether you’re driving on a busy street or a quiet road, take your time and avoid rushing. Safe driving involves patience and always being aware of your surroundings.

Stay patient and keep practicing

Becoming a skilled and confident driver takes time and dedication. As a learner driver, focus on building your skills, practicing regularly, and staying calm during your lessons and driving tests. For more hints and tips on top to pass your driving test, visit the Ready to Pass? website.

Remember, practice makes perfect, so if you need to squeeze in more practice ahead of your test, get a quote for flexible learner driver insurance.

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Drive into half term: 5 tips for learner drivers

Angharad Evans — Mon, 17 Feb 2025 16:11:26 +0000

Why is half term an ideal time to get some extra practise in?

For most 17-year-old learner drivers the half-term break from school or college provides an opportunity to fine tune your driving skills and gain more confidence on the road.

If you’re a learner driver, here are some simple tips to help you get the most out of your driving this half term:

Tip 1 – Get to know your vehicle

Take time to familiarise yourself with the car you’re driving. Learn how to adjust the headlights, wipers and other important features. This knowledge will make you feel more comfortable when you’re behind the wheel and help you avoid distractions while driving.

Tip 2 – Get Comfortable

Before starting any journey, always make sure your seat and mirrors are adjusted correctly. This might seem simple, but it’s essential for both safety and comfort. A proper driving posture helps with better control of the car and reduces fatigue during longer journeys.

Tip 3 – Understand the Size of Your Car

It’s important to understand the size and dimensions of the car you’re driving. This will help with tasks like parking, navigating narrow streets and judging distances. The more you’re aware of the car’s size, the more confident you will be, especially when faced with tight spots.

Tip 4 – Take Advantage of the Quieter Roads

One of the benefits of half term is the quieter roads – take advantage of the fact you don’t have to drive in rush-hour traffic or on weekends. Use this time to practise on roads and roundabouts that you might find tricky. The calm environment allows you to focus on specific skills without the added pressure of heavy traffic.

Tip 5 – Take Mock Tests

Mock driving tests are one of the best ways to simulate the actual test experience and prepare yourself. This exercise will help you identify areas where you need improvement and get used to the pressure of being tested, so you’re more relaxed on test day.

Conclusion

Use your half term wisely to progress toward becoming a confident driver and getting your full license! Whether it’s learning your vehicle’s controls, practicing on quieter roads or running mock tests, this time off is a great opportunity to boost your driving confidence. Plus, private learning with your friends or family can help you stay consistent and motivated.

For more hints and tips on the vital skills you need as you learn to drive, visit Ready to Pass?

If you need learner insurance, get a quote today.

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Staycation driving guide. Veygo’s advice to help young drivers at higher risk of fatigue.

Angharad Evans — Wed, 28 Aug 2024 09:05:59 +0000

While road trips can be exciting, research shows that the risk of driver fatigue is particularly high for those under 30 – the age group most prone to accidents caused by tiredness and boredom. Data suggests this is because young people can’t cope as well without adequate sleep and the fact that the area of their brain that deals with driving-based decision-making is still maturing.

There are four main warning signs of fatigue you should look out for when driving. They are:

Difficulty concentrating
Yawning
Feeling like your eyelids are ‘heavy’
Experiencing your eyeballs starting to ‘roll’

With the above in mind, here’s Veygo’s practical advice to ensure your safety on the road and help you manage fatigue before and during your drive:

Take regular breaks: If it’s a long journey, plan to take a break at least every couple of hours. Rule 91 of The Highway Code advises that for every two hours of driving you should take at least a 15-minute break.
Share the drive: If a passenger has also passed their test, consider splitting the drive. Opting for a flexible insurance option, such as Veygo’s temporary car insurance, means a driver can be insured within minutes, for as little or as long as is needed.
Plan for shade: Driving in hot weather can be exhausting. Before setting off, look at your route and see if there’s anywhere you can pull over and either get a few minutes in the shade outside of the car.
Stay hydrated: Having a thermal water bottle is an ideal way to keep water cool in the car. As fatigue can occur because of dehydration and thirst is a sign of mild dehydration, it’s essential drivers drink water before they feel thirsty.
Get plenty of sleep before setting off: Prevention is better than cure. Aiming to get eight hours of sleep before driving will set you up for safe driving success.
Recognise the signs of fatigue: Fatigue is easy to identify as there are four main warning signs. These include difficulty concentrating, yawning, feeling like your eyelids are ‘heavy,’ and experiencing your eyeballs starting to ‘roll’.
Avoid driving at night: Driving at night has its risks, particularly as data shows 40% of road collisions occur during darkness. Driving after sunset means road markings, pedestrians and cyclists can be harder to see, and it can be harder to judge distances and speeds.
Use caffeine wisely: Energy drinks are a tempting tool to stay alert, however, drivers who are more sensitive to the effects of caffeine could face serious side effects including reduced alertness, control, and mood. Consume caffeine in moderation as it’s not an alternative to sleep or rest.
Stay engaged: Actively scanning the road, anticipating hazards, and maintaining awareness of your surroundings are crucial. If a driver finds any of these difficult, it’s a sign they need an immediate break at the first safe opportunity.

Hopefully these tips help you stay safe on the road when you venture on your next road trip or staycation. Don’t forget, longer car trips are far more manageable and enjoyable when you share the journey. So, if you’re heading on a staycation with your friends or family, make sure you get Veygo’s flexible temporary car insurance, so you can split the drive, helping you have a safe trip.

Get insured within minutes, for as little or as long as you need, to share the driving load on your next staycation.

Get a Quote

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What affects your car insurance costs?

Angharad Evans — Thu, 18 Jul 2024 12:28:41 +0000

We know that car insurance costs can be confusing, whether you’re looking for learner insurance, new driver insurance or pay-as-you-go, temporary car insurance. There are lots of factors that can impact your quote – anything from your area to the vehicle you’ll be driving, to how the wider insurance market is performing.

But don’t worry, we’ve got you covered with our simple guide to some of the things that affect car insurance costs:

The driver

Things like your age, how long you’ve been driving, where you live and your occupation will all be taken into consideration.

The vehicle

We look at factors like the type of car you’re going to drive, including its engine size. We also consider things like the cost of the car and the claims history for that type of car.

Claims and convictions

It’s important for us to know if you’ve previously been involved in an accident and whether or not you were at fault. We have to consider your driving history, including any non-fault accidents. You’ll also need to share any previous claims with us.

What if I’m not eligible for cover?

While we always want to get you covered and on the road, we’re not a guaranteed form of insurance, so we won’t always be able to insure you, unfortunately.

Our eligibility criteria changes regularly and is based on multiple things including industry data. As our criteria changes regularly, being rejected today doesn’t necessarily mean you won’t be able to get insurance with us tomorrow. Always give us a try if you need insurance as our eligibility criteria is regularly updated.

Sometimes, you might not be eligible for cover because of the car you want to drive. So, if you have access to another car, we suggest you do a simple re-quote with the other car as we may be able to offer you cover on that one instead.

Due to our changing eligibility criteria, you may encounter occasions where we’re unable to cover you. We understand how frustrating this might be, however as our eligibility criteria is continually updated, there will be occasions where you may have had cover in the past but you’re now being rejected.

Indicative pricing

We display your indicative price throughout the quote journey. This is likely to fluctuate, based on the details you input at each stage. This means that you may see a difference in your final quote compared to your initial quote.

Hopefully some of these pointers help you in understanding what can affect your insurance costs and eligibility to keep you covered. To get a quote for our learner insurance, new driver insurance or temporary insurance, head to our website for more information.

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Adding a driver to your car insurance: What you need to know

Angharad Evans — Mon, 20 Nov 2023 13:58:08 +0000

Car insurance is a critical aspect of being a responsible vehicle owner. It not only protects you and your vehicle in the event of an accident but also ensures that you comply with legal requirements. Adding a new driver to your car insurance policy is a common option, whether you’re a parent adding a teen driver or sharing a vehicle with a friend or family member. But is it always the best option for you?

Understand the Necessity

Before diving into the process, it’s important to understand the need for insurance. If someone who isn’t insured gets into an accident with your car, your insurance might not cover the damages. Therefore, making sure the driver is insured ensures that they’re protected, and your coverage remains valid.

Determine Who Needs Cover

Identify the individuals who need to be covered to drive your car. Common situations include:

Adding a spouse or partner: you may want to share a car either permanently or on a temporary basis
Adding a teen driver: As your child becomes a licensed driver, it’s essential to add them to make sure they’re insured. Keep in mind that young and inexperienced drivers often result in higher premiums if added to your policy.
Adding a family member or friend: If you plan to share your car with someone, such as a sibling or close friend, you need to ensure they are covered.

What will you need?

Any insurance provider will request specific details about the driver you wish to add to a policy. Be prepared to provide information such as:

The driver’s full legal name
Date of birth
Driver’s licence number
Their driving history, including accidents and penalties

Your insurance provider will provide you with the required documentation to add the driver. This may include a policy endorsement or an updated declaration page. Make sure to review these documents carefully to confirm that all the information is accurate.

Understand the Cost Implications

Adding a driver to your car insurance policy can affect your premium. The cost depends on various factors, including the driver’s age, driving record, and the type of vehicle they’ll be using. Young and inexperienced drivers often result in higher premiums due to the increased risk associated with this demographic.

Could my no claims bonus (NCB) be affected?

Yes, if you add a named driver to your insurance policy it could impact your no claims bonus if the named driver made a claim. Even if the person you add to your policy is a responsible driver, you can’t control the behaviour of other drivers. This is one of the main downsides to adding a named driver to your policy

What other options do you have?

If you don’t need to add someone to your policy for a long period of time (such as a year) it could be much cheaper and safer to use a Temporary Car Insurance policy.

Consider Temporary Car Insurance if:

The driver you are adding doesn’t use the car everyday
The driver you are adding doesn’t need to be added to the policy for a full year
You don’t want to risk affecting your no claims policy
You want to save money
You want flexibility on when the additional driver is insured

Conclusion

Adding a driver to your car insurance is a straightforward process that ensures both you and your designated driver are protected in case of an accident. To ensure a smooth transition, it’s essential to understand why you need to add a driver, determine who should be added, and provide accurate information to your insurance provider. Remember that this may result in increased premiums and there are other options. You can get temporary car insurance so we’d recommend you get a quote for this option before committing to adding someone to your own policy.

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Insurance groups explained

Angharad Evans — Mon, 20 Nov 2023 11:10:44 +0000

Insurance is an essential aspect of owning a vehicle, providing a safety net for unexpected events on the road. One crucial factor that influences insurance costs is the insurance group to which a vehicle belongs. Understanding insurance groups can empower drivers to make informed decisions when selecting a car and seeking the most suitable insurance coverage. In this article, we will look at the concept of insurance groups, how they are determined, and the impact they have on insurance premiums.

What are Insurance Groups?

Insurance groups are a classification system that categorises vehicles based on various factors that influence the cost of insurance. Developed by the Group Rating Panel, these groups help insurance companies assess the risk associated with insuring a particular car model. The lower the insurance group, the less risky the vehicle is perceived, and consequently, the lower the insurance premium.

Factors Influencing Insurance Groups:

Repair Costs: Vehicles that are more expensive to repair or replace will generally fall into higher insurance groups. The availability and cost of spare parts, as well as the complexity of the vehicle’s construction, are taken into consideration.
Performance and Engine Size: High-performance cars with larger engines are often placed in higher insurance groups due to their increased risk of accidents and higher repair costs.
Security Features: Cars equipped with advanced security features such as alarms, immobilisers, and tracking devices are deemed less risky, resulting in lower insurance group ratings.
Safety Ratings: Vehicles with higher safety ratings, determined by crash tests and safety features, are more likely to fall into lower insurance groups.
Historical Claims Data: The Group Rating Panel analyses historical claims data to assess the frequency and severity of accidents involving specific car models.

How to Find Your Car’s Insurance Group:

To find out the insurance group of a particular vehicle, you can use online resources such as the Parkers Insurance Group Checker. Additionally, car manufacturers often provide insurance group information on their websites or in the vehicle’s documentation.

Impact on Insurance Premiums:

The insurance group of a vehicle significantly influences the cost of insurance premiums. While other factors such as the driver’s age, location, and driving history also play a role, the insurance group provides a baseline for assessing risk. Choosing a car in a lower insurance group can result in more affordable insurance premiums, making it a crucial consideration for budget-conscious drivers.

Tips for Lowering Insurance Costs:

Choose a Lower Insurance Group Vehicle: When shopping for a new car, consider the insurance group rating to anticipate insurance costs.
Enhance Security Measures: Installing additional security features can help reduce the perceived risk and lower insurance premiums.
Maintain a Clean Driving Record: Safe driving habits contribute to a positive driving history, which can result in lower insurance premiums.
Bundle Insurance Policies: Combining auto insurance with other policies, such as home or renters insurance, may lead to discounts.

Conclusion:

Understanding insurance groups is an essential aspect of responsible car ownership. By considering the factors that contribute to a vehicle’s insurance group rating, drivers can make informed decisions that not only align with their preferences but also with their budget. Navigating the road of insurance groups allows individuals to get the right cover for their vehicles while minimising the financial impact on their wallets.

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What is a cover note?

Angharad Evans — Wed, 19 Jul 2023 09:58:34 +0000

A cover note is a certificate provided by the insurance provider that acts as proof that a driver has valid insurance until the formal confirmation documents have been processed and sent.

Although technological advancements have made the process of receiving your proof-of-insurance certificate almost instant, driving with a valid cover note is perfectly legal and they are still used today in some cases.

Who are Veygo?

Veygo provides flexible, affordable car insurance that can be arranged in minutes for as little or as long as you need, to drive your own car or someone else’s. So, whether you’ve just started learning, recently passed your test or been behind the wheel for a while, we’ve got just the cover you need.

When are cover notes issued?

Cover notes are only issued to road users who have recently bought a car insurance policy and have requested one from their insurance provider.

However, cover notes can also be issued when:

You apply for your insurance over the phone or by post
If you have altered your policy — for example, to cover multiple drivers or remove second and third drivers from your insurance
If a provider is apprehensive about a quote — for example, if they think the car is too dangerous for your age group and want to examine it more closely
There’s a technical fault with an insurance provider’s systems

If you’ve received what appears to be a cover note without requesting one from your insurer, it’s likely to be a counterfeit and should be reported immediately.

What information is in a car insurance cover note?

In order to be valid, you need to double check the information on your cover note. A cover note must include:

Full name
Full address including number, street address and postcode
Vehicle registration and details
Reason as to why the vehicle is being used, such as social, domestic, commuting or all-inclusive
Level of cover and any excess, such as comprehensive, third-part fire and theft and third-party
Policy number
Any special conditions, such as whether it’s a telematics or black box policy
Start dates and expirations dates

Who issues a cover note?

A cover note can’t be obtained by any other insurance provider. Only the insurance provider you agreed a policy with can issue you with a cover note.

You can only drive if you know your cover is being processed. This means either waiting for email confirmation, a certificate or a cover note.

What’s the difference between a certificate of motor insurance and a cover note?

Technically, there is no difference in validity between a certificate of motor insurance and a cover note.

A cover note acts as proof of insurance the same way a certificate of motor insurance does. The only difference is that the cover note is used in place of a full certificate while you’re waiting for your details to be finalized.

How long can you drive with a cover note?

The length of time you can legally use a cover note depends on the insurance provider.

Generally, a cover note is valid for at least a month. However, quicker processing times may mean the amount of time your cover note is valid may be significantly shorter.

If you’re unsure about the process and the validity of your cover note, always check with your provider before setting off.

Looking for temporary car insurance?

Check out Veygo’s flexible and affordable temporary insurance options and get on the road in minutes.

Learner Driver Insurance

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FAQs

Can a cover note be used as proof of insurance?

Yes, you can use your cover note as proof of insurance.

Your cover note acts as a notice to other drivers or the police that you have paid for insurance coverage, you’re protecting yourself and other road users and that you’re waiting for your documents to be finalised.

When will I receive my cover note?

Nowadays, many big insurance companies will issue you with your certificate via email instantaneously or will send a notice of confirmation within 24 hours.

However, some smaller insurance providers still issue cover notes that will usually arrive by post or by email in three to five working days.

What happens if my certificate doesn’t arrive?

If your certificate doesn’t arrive before the cover note expires, don’t panic.

Get in touch with your insurance provider and they can guide you through next steps, flag issues on their end and double-check your address and delivery details.

This is the quickest way to be issued with a new certificate should it be lost in transit or misplaced by the provider.

Will I need a cover note for a theory or driving test?

You only need to have a cover note, certificate or proof-of-insurance via email if you plan on taking your driving test in your own car.

If you’re taking your test in an instructor’s car, they’ll likely have special insurance that covers learner drivers — so you don’t have to worry.

Are the terms in a cover note the same as the terms in a full policy?

Yes, the terms of the cover note should be identical to the terms agreed on for your full insurance certification.

For example, if you’ve agreed third-party-only insurance, your cover note will cover you for third-party-only as well.

What should I do if there’s a mistake on my cover note?

If you believe there’s an error on your cover note, call your insurance provider.

They can run you through the details that they have on file and you can have them quickly changed if any errors are spotted.

Is a cover note binding?

Legally speaking, a cover note is not a final, binding document.

However, it does bind both parties to cover any liabilities they face in the event of loss during that period.

Are cover notes free?

In the event you should need a cover note, it should be issued by the insurer free of charge.

However, your provider will alert you of any costs prior to issuing you with the note.

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The post What is a cover note? appeared first on Veygo.

Driving without insurance

Angharad Evans — Mon, 03 Jul 2023 14:03:02 +0000

It’s illegal to drive without insurance – and an extremely serious offence to do so.

It’s also not uncommon for those with insurance to still be penalised for having the wrong details on their policy therefore mistakes can also be costly.

What are the penalties for driving without insurance?

The punishment for driving without insurance is a fixed penalty notice of £300. How many points you’ll incur will depend on the severity of the offence, but it’s usually between 6-8 points.

More severe instances of driving with no insurance – like repeat offences or those in conjunction with other offences like the vehicle having no MOT or not producing a valid driving licence – result in higher penalties.

Should the case reach a criminal court, penalties escalate. Offenders face an unlimited fine and can be disqualified from driving for a minimum of 28 days.

What is the maximum fine for driving without insurance?

There is no maximum fine for driving without insurance.

While the minimum fine for the offence is £300, if the case goes to a criminal court, there’s no upper limit to how high the fine can be.

How can the police tell if you’re driving without insurance?

The police can tell if you’re driving without insurance through number plate recognition.

Police vehicles are often equipped with ANPR cameras that read number plates and tell the officer if the car has valid insurance, MOT and vehicle tax.

If the police stop you on the roadside, they will often perform basic roadside checks. This involves taking a breath sample if they suspect drunk driving and conducting manual insurance checks.

So, just because you’re not caught on camera, doesn’t mean you aren’t still at risk.

Will driving without insurance result in a criminal record?

Driving without insurance is not punishable with prison time – so it won’t flag up as an offence on a criminal record.

However, it is an extremely serious offence and shouldn’t be taken lightly.

Those found guilty of the offence still face potentially unlimited fines and driving bans, as well as additional fallout such as higher insurance premiums.

What to do if you’re hit by an uninsured driver

If you’re hit by an uninsured driver, contact your insurance company and the police immediately.

The unfortunate reality of being hit by an uninsured driver is that it’s the ones that abide by the law that are most affected.

If the accident was your fault, an uninsured driver can still claim for damages to their vehicle and personal injury – despite their offence.

If the accident was the fault of the uninsured driver, the entire cost of the claim for both parties is paid for by your insurance.

Luckily, organisations like the Motor Insurers’ Bureau (MIB) can help insured drivers claim back some of the money lost when they’ve been hit by an uninsured driver.

Does fully comprehensive insurance cover any car or vehicle you drive?

Fully comprehensive cover alone doesn’t cover you to drive any vehicle other than the one named on your policy.

However, those with fully comprehensive car insurance can opt to add ‘Driving Other Cars (DOC)’ cover to their policy. This lets them drive other roadworthy vehicles when they aren’t the named driver on the primary policy.

When don’t you need car insurance?

You don’t need to pay insurance on a car you’re not using.

If your car is declared as off the road with a V890 form – otherwise known as a Statutory Off-Road Notice (SORN) – you do not need to pay insurance premiums on that vehicle.

You can own a roadworthy car and not pay monthly or yearly premiums. However, you need to make sure that you are covered if you’re using the car on the road.

Temporary insurance policies are the perfect solution for those looking for a more affordable and flexible pay-as-you-go option as you only pay for what you need.

Don’t take the risk of driving without insurance. Get flexible and affordable temporary car insurance today.

Frequently Asked Questions (FAQs)

What are ‘special reasons’ for driving without insurance?

There are no exceptions for driving without insurance. No matter the reason, driving without insurance is punishable by fines, bans and even court action.

If your car or vehicle is parked on the road but you’re not driving it, does it need to be insured?

If you’re going to leave a car parked on the road, it must be insured.

As a minimum, drivers must have third-party, fire and theft protection if their car causes damage to another while left on the road.

Am I able to drive on private land in an uninsured vehicle?

Yes, you can.

If the land cannot be accessed by the public – and you own the land – you don’t need any legal documentation to drive a vehicle on private land. However, as soon as you leave that land, even if it’s just for access or exit, you must have appropriate insurance.

Can I drive an uninsured car or van with my insurance?

If you have DOC cover, you can drive a car that’s not insured by any other party.

However, without DOC cover on your car insurance, you need to take out a new policy and be the named driver of the vehicle.

What happens if I get a court summons for driving without insurance?

If you have received a court summons for driving without a licence, there’s a higher likelihood that you’ll face a penalty more than the standard £300 and the 6 points on your licence.

Can I report someone for driving without insurance?

Yes, you can. In fact, it’s recommended that you do so.

If you suspect that someone is driving without insurance – or you know that they are – you should report it to the police as soon as possible.

Should I drive to an MOT without insurance?

No, you shouldn’t.

While there are exceptions for driving with no MOT – as long as the driver can prove they have an MOT test booked and that they are driving to the garage to have the work done – there are no exemptions for driving without insurance.

There is no link between having a valid MOT test and having insurance. To be able to drive legally, you need both.

Can you test drive a car or van without insurance?

In most instances, you can test drive a vehicle without insurance.

Many reputable garages and dealerships have special insurance policies that cover those that test drive vehicles should they get into accidents.

However, if you’re looking at buying a car or van from a private seller, you’ll still need appropriate cover – even if it’s temporary insurance.

Car insurance without the long-term cost

Looking to test drive a vehicle from a private seller, take a day trip or borrow a friend’s car? Veygo Temporary Car Insurance provides quick and convenient cover to get you on the road with peace of mind – and you only pay for what you need.

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