I’ve passed my theory and I have my practical test booked. What’s the best way to get some more practice without having to fork out for lessons with an instructor?
You can get extra practice driving someone else’s car, perhaps a car owned by a parent or a family friend. You can either do that on their insurance as a named driver or get your own short term learner driver insurance policy. The benefit of that would be that if you did have a prang and you had to make a claim you wouldn’t endanger their no claims discount.
I’ve already bought my own car. Can I get extra lessons in that?
You can get your own car insured as a learner and the policy could cost from under 65p a day*. It’s worth bearing in mind that the year, make and model of the car will all affect the premium. So if the first car is something flash, don’t be surprised if the quotes are high. Adrian Flux offer fully comprehensive learner driver insurance for vehicles up to insurance group 45, valued at less than £20,000.
Can anyone supervise me as a learner driver?
Supervising drivers must be at least 21, have held a full driving licence for a minimum of three years and meet the minimum eyesight standards. They must also ensure the car displays L plates and is safe and in road legal condition. Ultimately, someone supervising a learner driver, is deemed to be in control of the vehicle – even though they are in the passenger seat.
If I pass what happens to my learner insurance policy?
Your learner policy with Adrian Flux only lasts as long as you need it to. When you pass your test the policy will expire and you need to change to a new driver policy. But, as we will already have your details, that is a very swift and painless procedure! We offer great value new driver policies with an app to show you how much you can save by driving safely.
Where can I find out more about passing my test and getting my first motor insurance policy?
Go online and search Adrian Flux Learner Driver Hub. The Hub contains all manner of hints, tips, blogs, videos and guides about passing your test, staying safe and on the move once you get on the road, and finding the best insurance deals.
Adrian Flux offer great insurance rates for new and learner drivers. Cut costs by calling 0800 085 6491.
THE ROAD TO YOUR CHILD’S DRIVING
Your child is starting on one of the most exciting and rewarding journeys of their life. Nothing beats the thrill and freedom of having a full driving licence, but there are plenty of steps along the road first. Over the next few pages we’ll talk you through them.
4 4
UNDER-17 1 1
3 3 DRIVING
2 2
1 UNDER-17 DRIVING
Is their 17th birthday still a few months away? Or maybe it’s years off? Your child can still get behind the wheel, just not on the road. There are loads of young driver schemes all over the country from the likes of youngdriver.eu and under17carclub.co.uk which put younger teenagers in the driving seat on private land. The best schemes place a strong emphasis on road safety as well as car control. Sign up, and your child will be better prepared when they do get on the road.
LICENCE
6 6
5 5
2 THEIR PROVISIONAL LICENCE
Nobody can jump straight into a car on their 17th birthday without having a provisional licence first. Don’t wait until the big day – your child can apply long before they turn 17. It’s easy to make an online application if they have a Government Gateway ID or otherwise fill out a D1 form which can be collected from the Post Office. Turn the page for more on applying for a provisional licence.
3 FIND AN INSTRUCTOR
If you want to give your child the best chance of passing first time, you’ll want to find a really good instructor. Practising with relatives is important, but it’s no substitute for expert instruction from a professional. Turn to page 10 to find out more.
4 THEORY TEST
Before your child can take their practical test they have to pass the theory test. There are two parts, one with multiplechoice questions and one assessing their ability to spot hazards. Want to know more? Turn to page 16.
5 PRACTICAL TEST
Has your child passed the theory test? Well done, but there’s still another hoop to jump through before they have their full licence: the practical test. This takes place on the public road with an examiner in the passenger seat and will last around 40 minutes. We’ll talk you through the practical test in more detail on page 18.
6 NEXT STEPS
Passing the practical test isn’t the end of the road – it’s the beginning. Drivers never stop learning, and post-test training such as the Pass Plus scheme can really help guide young drivers through their first months on the road.
Drivers can learn on the road once they are 17, so long as they have a provisional licence
TOP TIP
Driving a car on private land can teach your child the basics of car control and introduce them to the rules of the road. But when they turn 17 and start lessons on public roads, they’ll need to build up experience before their test.
APPLYING FOR A
PROVISIONAL LICENCE
HACK EVERY LESSON GET THE MOST FROM
You’re paying a lot for an expert to teach your child to drive, so be sure they make the most of their time. Here’s how:
● REST UP
Always encourage a good night’s rest before a lesson. A big night out with their mates before a morning lesson isn’t a good idea –they need to be fully alert and sober.
● FUEL UP
Ask your learner to eat and drink before the lesson to boost their energy levels and keep them high.
● GO LONG
When you book lessons, think about 90-minute or two-hour sessions. Your child will have more time to get into a rhythm than if the lesson lasts an hour.
● LISTEN UP...
The instructor knows what they are talking about, so encourage your child to concentrate hard on what they say and do.
Practise driving in between lessons to reinforce what has been learned. But make sure you stay below the level of difficulty your child has reached with the instructor.
● ... BUT ASK QUESTIONS
If your child doesn’t understand what the instructor is asking them to do, they should say so. Asking questions helps plug gaps in their driving knowledge.
To find out more about driving lessons, visit firstcar.co.uk.
8 Be sparing with your comments, but problems must be identified while still fresh in the memory. Confidence needs to be built first, though, so don’t forget to praise good driving.
9
Keep calm – shouting won’t help. And don’t get angry if they find constructive criticism hard to take.
10 Make learning enjoyable. You need to keep your cool so that you both enjoy the process. You and your teenager shouldn’t dread getting into the car.
MOTORWAYS
Although motorways are statistically our safest roads, learner drivers haven’t been allowed on them. That all changed a few years back. Learners now have the green light to get to grips with motorway driving before they have passed their practical test.
Will I be able to drive on the motorway with my learner?
No. The rules allow learners onto the motorway, but only in cars with dual-controls and accompanied by an approved driving instructor. So you won’t be able to practise on motorways with your child between professional driving lessons.
Is motorway driving now compulsory for all learner drivers?
There is no requirement for your child to drive
on the motorway if they don’t want to. Depending on where you live it may be impractical. It will be up to you, your child and their instructor to decide whether to drive on the motorway.
Why were the rules changed?
In the words of Road Safety Minister, Andrew Jones: “To allow learner drivers to take lessons on motorways will enable novice drivers to experience the broadest possible range of driving experiences in a supportive environment, helping them to be better, safer drivers.”
TEACHING GOOD HABITS
Learning to drive doesn’t start when your child is 17. It doesn’t even start a few months before, if you book your son or daughter an under-17 driving course. You’re teaching children how to drive from a very early age through the example you set. If they see you checking text messages on the move, gambling at amber lights, or cutting up other drivers, can you really expect them to behave safely and responsibly when they get behind the wheel?
GET SOME HELP
There’s a stack of aids to help your child get through their theory test. The apps here are a good start. The official theory test questions aren’t published anywhere, but the DVSA does publish The Official DVSA Theory Test for Car Drivers, and a similar title for motorcyclists. These feature hundreds of official revision questions, plus case studies on every topic, along with info to help understand and remember the theory. There are loads of real-life photos and diagrams, plus links to online resources and videos where your child can learn more. They’ll also need to study The Official Highway Code. Order a copy for your child from tsoshop.co.uk
THE OFFICIAL DVSA THEORY TEST KIT
Because this was created by the same people who set the theory and practical driving tests, you’re not going to find a more useful app, and at £4.99 it’s a bargain.
MY THEORY TEST BY JAMES MAY
With bespoke learning plans, exclusive videos, mock questions, and games, this app will help learn the theory of driving in a few minutes each day. Available for Apple and Android devices, it costs £4.99.
DRIVING TEST SUCCESS
Practise every official revision question from the DVSA with this app. Driving Test Success will even refund the theory test fee if your child doesn’t pass! It costs £4.99.
WHAT TO EXPECT THE PRACTICAL TEST
Passed the theory test? Then the practical test is all that stands between your child and their full driving licence
HOW LONG IS THE DRIVING TEST?
They’ll spend around 40 minutes behind the wheel, driving on a variety of roads.
WHAT HAPPENS BEFORE THEY START DRIVING?
First of all, they’ll need to show they can see well enough to drive. That means reading a numberplate from 20 metres away (or 20.5 metres if it’s an old-style numberplate). If they can’t, the test will be over before it has really started, so remind your child to wear contact lenses or glasses if they need them to see clearly.
They’ll also be asked a ‘tell me’ question, such as “How would you check the headlights and tail lights are operating correctly?” They don’t need to make the check, just prove to the examiner that they know how it’s done. It will help if you can practise these questions with your child in the weeks before their test.
If they get the ‘tell me’ question wrong they’ll have notched up a driving fault.
Any more than 15 minor faults results in failure.
WHAT CAN THEY EXPECT WHILE DRIVING?
For 20 minutes out of the 40 they’ll be driving independently. That means following road signs or a sat nav to a destination. They won’t have to enter the destination into the sat nav –the examiner will do that for them. They shouldn’t worry if they take a wrong turn, what’s really important is that they drive safely and legally.
They’ll be asked a ‘show me’ question while driving. It could be as simple as showing how they would turn on the rear demister, or wash and clean the windscreen.
As well as making a hill start, pulling out from behind a parked car, and making a normal stop at the side of the road, they may need to make an emergency stop. They’ll also need to carry out one of three reversing manoeuvres. If you can supervise lots of reversing practice before the test that will be a big help.
HOW GOOD DO THEY NEED TO BE TO PASS?
They need to prove that they are safe and competent – the examiner is not expecting perfection. Any dangerous fault during the test means failure, but up to 15 minor mistakes are allowed. So they shouldn’t panic if they make the odd small mistake.
WHAT HAPPENS AFTER THE TEST IS OVER?
The examiner will talk your child through any faults. If they make the grade, they’ll be given a pass certificate. They’ll be able to start independent driving immediately – there’s no need to wait for their full licence to arrive. To find out more about the practical test visit firstcar.co.uk.
YOUR CHECKLIST FOR
PRACTICAL TEST
SUCCESS
If your child can put a tick in all these boxes they won’t go far wrong
A POSITIVE ATTITUDE
The instructor wouldn’t encourage your child to take the test if they weren’t ready, so encourage self-belief.
GOOD TIMEKEEPING
Allow plenty of time to reach the test centre. Your child’s stress levels will go through the roof if they are running late.
THEIR PROVISIONAL LICENCE
Your child needs to take their provisional licence with them to the test centre. They need their theory test pass certificate too. Don’t let them forget!
SENSIBLE CLOTHES AND FOOTWEAR
Suggest they wear comfortable clothes, and shoes which make it easy for them to operate the pedals safely.
BE WILLING TO LEARN
Just over half of practical tests end with a thumbs down from the examiner. Don’t be surprised if this happens to your child, even if they’ve been flying in their lessons. They’ll be told why they have failed at the end of the test so they can correct what went wrong next time.
INSURANCE WORKS HOW LEARNER DRIVER
What is learner driver insurance?
Learner driver insurance covers a young driver to practise in someone else’s car, most likely their parents’. Instead of being added to your insurance and bumping up your premium, they have their own policy.
How long does cover last?
It varies. Some insurers will ask learners to sign up for at least 30 days, others offer daily policies or will even cover youngsters for just a few hours.
Why do they
need it?
Well, insurance is a legal requirement, so they need to be covered one way or the other. Plus there are advantages to having a learner driver policy. Adding a learner as a named driver to your car insurance can be expensive compared with arranging separate cover. What’s more, if they do have a mishap, they can claim on their own policy, not yours, which should help keep the peace if they have a prang in the family car.
“ If th ey have a mishap they can claim on their own policy, not yours, which should keep the peace if they have a prang”
I’m looking for cheap insurance but I’ve read about ghost brokers. What are they?
Ghost brokers sell fraudulent car insurance using three basic methods. They either forge insurance documents, falsify details to bring the price down or take out a genuine policy, before cancelling and claiming the refund plus the victim’s money.
Police figures show those most at risk of being targeted by ghost brokers are 17-24 and the scam costs them around £900 each.
Some ghost brokers also operate on social media - always check you are buying from a genuine company before taking out a policy.
I’ve been warned about “fronting” on my motor insurance. What is that?
Fronting is when an older driver - often a parent - tries to save money by saying they’re the main user of a vehicle driven by a younger, higher-risk motorist.
It may save money in the short-term but fronting could invalidate your insurance and even lead to prosecution for fraud.
Adrian Flux offer great insurance rates for new and learner drivers.
Cut costs by calling 0800 085 6491.
ARE THERE ANY OTHER DO’S AND DON’TS I NEED TO REMEMBER?
Do shop around for the best policy.
Or better still go to a broker such as Adrian Flux who have a panel of over 30 insurers to go to. Adrian Flux compares policies saving you the hassle.
Do make your insurer aware of any modifications. You will need to advise your insurer of cosmetic and performanceenhancing modifications. With a specialist broker such as Adrian Flux, you may be surprised that your premium may not increase much or at all for modifications and they can cover most. If you fail to declare mods your car damage cover will be under threat in the event of a claim.
Do insure your car for what it’s worth.
Under-insuring your car may result in a lower premium but if your insurer finds out, your policy could be cancelled and any claim payout could be less than the car’s worth.
Do
agree a voluntary excess.
If you agree to pay an extra voluntary excess it can significantly reduce your premium. But keep it realistic, you will have to be able to afford it if there is a claim.
Don’t forget.
Don’t forget, the cheapest Adrian Flux deals are available on the telephone. Call 0800 085 6491 for your personalised no obligation quote.
TELEMATICS INSURANCE EXPLAINED
Black box cover could make insurance more affordable – and improve your child’s driving too!
Insurance is one of the most painful things about being a young driver –or a young driver’s parent, if you’re paying the premium. According to the Quotezone comparison site, the average annual car insurance premium for a 17-21 year old driver is £948.95. Telematics (or ‘black box’) insurance is one way to reduce the price of cover and encourage good driving habits at the same time.
What is telematics insurance?
If you and your child opt for a telematics policy, a ‘black box’ is fitted to their car. This combines a GPS unit, a motion sensor and a SIM card to transmit data. It detects where the car is, how fast it is being driven, and how violently the car is accelerating, braking and cornering.
How is the data used?
The information the black box collects is fed back to the insurer, and used to reassess the young driver’s premium at regular intervals.
Obeying the speed limit, avoiding harsh acceleration and braking, and driving at low-risk times of day can all contribute to a reduced bill.
In some cases there are other forms of reward or special offers for safe and responsible driving. This could mean extra miles are added to a limited mileage policy, or the driver receives vouchers and free gifts.
Can youngsters check how well they are driving?
Yes. Telematics insurance providers usually have a portal or app through which drivers can see if their driving is up to standard. By checking back regularly they can tell if they are improving or slipping into bad habits.
Are parents also able to see driving scores?
Typically any named driver will have access to the feedback scores, so if you are named on the policy you’ll be able to see how well your child is doing.
Some insurers have found that simply knowing that mum or dad can see their
TOP TIP
Insuring your son or daughter to drive the family car is one way to get them cover, but with their own car and policy they’ll build a No Claims Discount.
feedback improves young people’s driving.
Can I have a telematics policy with my child as the named driver?
There are plenty of telematics insurance providers who insure older drivers as well as youngsters. But don’t be tempted to name yourself as the main driver unless you really are going to do most of the miles. If your insurer finds out that you’ve fibbed about who is really the main user of the car, then you’ve committed fraud. It could invalidate your insurance cover.
Also, if your child isn’t the main driver on the policy then they won’t build up their own No Claims Discount. So in the long run it’s best for
TOYOTA YARIS
Euro NCAP safety rating
Five stars (2019)
Autonomous emergency braking
Standard
Insurance From Group 13E
DAB Standard
Bluetooth Standard
Apple CarPlay/Android Auto Standard
You (or your child) will need deep pockets to buy the new Toyota Yaris. With prices starting from just over £22,000, this an expensive small car. But there are good reasons to take a closer look.
For one thing, every Yaris is a hybrid, with the promise of small fuel bills and low carbon dioxide emissions. It should be cheaper to fuel
HYUNDAI I10
Euro NCAP
safety rating Three stars (2020)
Autonomous emergency braking Standard
Insurance From Group 1E
DAB Standard
Bluetooth Standard
Apple CarPlay/Android
than most superminis.
For another, the Yaris comes with an automatic gearbox. So if your child finds manual cars tricky to drive, or passes their test in an auto, the Toyota could be just what they are looking for.
They’ll get plenty of kit for their cash, too. There’s
FROM £22,125 FROM£15,420
no need to look beyond the entry-level Icon model for a digital radio, smartphone mirroring, and lots of safety kit including autonomous emergency braking.
It’s not the roomiest small car, and insurance won’t be cheap, but otherwise the Yaris has a lot going for it.
Auto Standard
The i10 is one of the most affordable new cars, as well as being easy to drive and well equipped
It’s rare to find a city car with autonomous
emergency braking as standard, even on the most basic versions. But every i10 comes with this brilliant bit of safety kit included in the price.
Every model has a digital radio and Bluetooth, and it looks good too, doesn’t it? We want one!
HOW TO...
CHARGE AN EV
● Ideally, you and your young driver should charge an EV using a home charger. This is cheaper than using the public charging network. A 3kW wallbox charger is generally cheaper to install than one rated at 7kW, but a more powerful charger will take less time to top-up the car’s battery.
● Make sure you are using a dedicated EV charger. It’s possible to recharge from a domestic three-pin socket, but this will take a very long time and household sockets aren’t always rated for heavy use over several hours.
● Don’t fully charge the battery unless you are about to go on a long journey. Charging to 80% is better for the longterm performance of the battery.
● Look for an electricity tariff that makes
HOW TO...
overnight charging cheaper than in the day, and recharge the car while the family is asleep.
● Ask your new driver to download a mapping app like Zap-Map to their phone. This will help find nearby chargers if they need to recharge away from home.
● There are lots of different public networks. It’s worth finding which ones have chargers on your family’s regular driving routes, and setting up accounts with several companies.
SAVE MONEY ON FUEL
● Encourage your child to obey the speed limit. Not only is speeding unsafe, it burns more fuel which is bad for the environment and their bank balance. Driving at 80mph rather than 70mph on the motorway uses 10% more fuel, according to the Department for Transport.
● Ditch the clutter. Leaving a roof rack, bike carrier or roof box on a car will hit fuel consumption hard.
● Encourage smooth driving.
Instead of stamping on the throttle or brake, recommend being gentle with the controls and anticipating other road users.
