Car Insurance

17 year old car insurance under 1000 Pound

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Young or inexperienced drivers car Insurance Policy(17 year old car insurance under 1000 Pound per Month)

In this article we discus about young or inexperienced drivers car insurance or 17 year old car insurance under 1000 Pound per month. At first we tell you short brief about top 5 insurance company and we also tell you its monthly and annual instalment prices. Also we talk about its all features, excess and policy fees. At last we talk about all companies’ pros and cons. In the last we tell you that which company is best for you and which company give you minimum price.

Top 5 Young or inexperienced drivers car Insurance Policy (17 year old car insurance under 1000 Pound per Month)

Company Name Monthly Price Annual Price Excess Know More
Auto Saint Car Insurance £204.98 £2180.64 £400 Know More
Hastings Direct Smart miles £211.33 £2031.84 £595 Know More
RAC Car Insurance Black Box £222.99 £2729.99 £650 Know More
O2 Box on Board Car Insurance £242.83 £2928.33 £650 Know More
Sheilas Wheels Model Driver £301.87 £3354.06 £1000 Know More

 

Main Features Explained

Personal accident cover

Motor accidents can happen when you least expect them and a serious injury or accidental death could put you and your family in financial difficulty. Personal accident cover can provide financial help in such a situation. Cover levels can vary by provider, but as a minimum the cover will provide 1,000 death benefit and 1,000 disability/sight benefit.

Courtesy car

A courtesy car is provided if you are unable to drive your car following an accident for a set period of time while your car is being repaired. Cover levels can vary dependent on the provider and there may be an additional cost to guarantee a replacement car in the event of an accident. A courtesy car will be provided subject to availability.

Breakdown cover

If your car suffers a mechanical breakdown, this cover could help to get your car back on the road, recovery to a local garage or a destination of your choice. Breakdown cover can vary between providers. As a minimum, cover will provide roadside assistance.

Motor legal protection

If you have an accident that wasn’t your fault, an insurer can act on your behalf to try and claim compensation for any uninsured losses that you may have suffered. These include personal injury, excess recovery and loss of earnings. MLP should cover the cost of your legal expenses in pursuit of compensation if there is a reasonable prospect of success against the third party. MLP is available at an additional cost and cover can vary between providers. As a minimum 50,000 cover is provided for uninsured losses.

Telematics quotes

Telematics are sometimes referred to as Tracking Policies or Black Box Policies.

The insurer will personalize your premium by tracking things like how you drive, when you drive and how far you drive.

Please check the insurance website for full details, and make sure you are comfortable as some telematics cover requires a device to be fitted or smartphone app to be installed.

  • Third Party Only (TPO) – This only covers liability for claims made by a third party as a result of an accident caused by you, or any named drivers whilst using this vehicle. TPO cover can vary between partners.
  • Third Party Fire and Theft (TPFT) – This covers everything TPO does, as well as cover to your vehicle in the event of accidental fire damage, damage as a result of theft, or if your vehicle is stolen. TPFT cover can vary between partners.
  • Comprehensive (Comp) – This is the highest level of cover and includes everything TPO and TPFT cover, as well as any damage to your vehicle as a result of an accident. Comprehensive cover can vary between partners.

Voluntary excess

Effect on your quote. A higher voluntary excess, on top of the compulsory excess set by the insurer, may lower your premium. You will pay the combined total excess in the event of a claim.

 

Please note insurers may apply additional excesses e.g for young or inexperienced drivers. This will be payable on top of the voluntary and compulsory excess.

Protected no claims discount?

Most insurance providers will only offer no claims discount (NCD) protection if you have earned 4 years or more NCD. As you have selected less than 4 years NCD you can’t select to include NCD protection. Please check with your chosen insurance provider to see if you are eligible.

NCD protection varies between insurers but in general it allows you to make one or more claims before your number of no claims bonus year’s falls (further information will be provided when you select a policy and proceed with the purchase of the policy on the provider’s website).

 

NCD protection does not protect the overall price of your insurance policy. The price of your insurance policy may increase following an accident even if you were not at fault.

Excess

The total excess is the amount to pay if you’re making a claim. This is made up of a voluntary excess (the amount you choose) and a compulsory excess (set by the insurer). There may be additional excesses that could be payable in the event of a claim.

Personal accident cover

Motor accidents can happen when you least expect them and a serious injury or accidental death could put you and your family in financial difficulty. Personal accident cover can provide financial help in such a situation. Cover levels can vary by provider, but as a minimum the cover will provide £1,000 death benefit and £1,000 disability/sight benefit.

Courtesy car

A courtesy car is provided if you’re unable to drive your car following an accident for a set period of time while your car is being repaired. Cover levels can vary dependent on the provider and there may be an additional cost to guarantee a replacement cairn the event of an accident. A courtesy car will be provided subject to availability.

Breakdown cover

If your car suffers a mechanical breakdown, this cover could help to get your car back on the road, recovery to a local garage or a destination of your choice. Breakdown cover can vary between providers. As a minimum, cover will provide roadside assistance.

Motor legal protection

If you have an accident that wasn’t your fault, an insurer can act on your behalf to try and claim compensation for any uninsured losses that you may have suffered. These include personal injury, excess recovery and loss of earnings. MLP should cover the cost of your legal expenses in pursuit of compensation if there is a reasonable prospect of success against the third party. MLP is available at an additional cost and cover can vary between providers. As a minimum £50,000 cover is provided for uninsured losses.

Telematics – What is it?

It’s a way for insurers to understand your driving behaviors so they can offer discounts to those who demonstrate safe driving. They may record things like your speed, braking and accelerating habits, road type, distance and time of day of your journeys so that they can offer you a more accurate premium.

The insurer will need to fit a box to your car if you buy this policy.

No surprises

If you are paying by monthly instalments, don’t forget to check for any applicable charges. Instalment credit may be declined or withdrawn by the provider.

Don’t forget to check for additional excesses, as these vary by provider. Additional excesses may apply for: young or inexperienced drivers, unapproved repairer, high performance vehicles, windscreen repair or replacements.

 

 

 

1.     Auto saint Car Insurance

About this provider: Auto saint car Insurance policy is the part of Fresh Insurance Service Group, a Top 50 personal lines broker. This policy is winner of ‘Personal Lines Broker of the Year’ at 3 events in 2017. UK call centers in Redditch and Bracknell.

Annual Excess:£2180.64

Monthly Excess: £204.95

Compulsory£150

Voluntary                £250

Total                          £400

Personal accident—————–included

Courtesy Car———————–included

Breakdown cover—————–Add £32.50 annually

Motor legal Protection———–Add£32.00annually

A single payment of £2,180.64

Or instalments of

1 × £436.13

10 × £204.98

Total £2,485.93

Accident Cover

  • Included as standard with this policy
  • Personal accident cover

Provides cover in the event of serious injury or accidental death.

What it covers

    • Amount payable on death is up to £5,000
    • Amount payable for disability/sight cover is up to £5,000
    • Cover is provided for the policy holder and their spouse/civil partner
    • No age restriction applies to those covered under the policy

What it doesn’t cover

    • Injury or death resulting from attempted suicide or suicide
    • Injury or death if the driver is convicted of an alcohol/drugs offence
    • Injury or death if a seatbelt was not worn when required by law

Courtesy car

Provides a courtesy car for a set amount of time while your car is being repaired following an accident, subject to availability.

What it covers

    • Courtesy car is provided for duration of repair
    • Courtesy car is provided by the repairer

What it doesn’t cover

    • Cover if the car is stolen
    • Cover if the car is deemed a total loss
    • Courtesy car guarantee

Windscreen cover

Provides cover towards the costs of repairing the car’s windscreen or full replacement where repairs are not possible.

What it covers

    • Unlimited claims per year
    • Cover for all windows
    • Claims will not affect your no claims discount
    • £75 excess payable for replacement with approved repairer
    • £10 if a non-approved repairer is used for a repair
    • £75 if a non-approved repairer is used for a replacement

What it doesn’t cover

    • Sunroof cover
    • Cover for windows not made of glass

Driving abroad

Provides cover for driving the car in countries outside of the UK.

What it covers

    • 90 days included
    • 90 consecutive days included
    • Fully Comprehensive cover in EU countries
    • Same cover level for named drivers
    • Using the car for business purposes where business use is included within the policy

What it doesn’t cover

    • Minimum cover for countries outside the EU

Personal possessions cover

Provides cover for personal belongings left in the car.

What it covers

    • Cover up to the amount of £100

What it doesn’t cover

    • Phones, laptops and other electrical items
    • Money, cards and tickets
    • Cover if the car is left unsecured

Sound equipment cover

Provides cover for audio and navigation equipment in the car.

What it covers

    • £500 cover for non-manufacturer fitted sound equipment
    • Manufacturer fitted navigation equipment
    • Non-manufacturer fitted navigation equipment

What it doesn’t cover

    • Cover if the car is left unsecured
  • Not included, but available to add

You can make changes at the top of this page. Additional products may be available on the provider’s website.

Breakdown cover

Add for £32.50 annually or 12 × £2.71 monthly (excluding interest).

If you’ve broken down this cover will assist you at the roadside as a minimum.

What it covers

    • 4 call outs per year
    • 4 tons per year
    • £0 excess payable per claim
    • Cover for cars of any age
    • Provided by Silver knight Rescue
    • Cover if the car runs out of fuel
    • Assistance 1 mile from home
    • Onward travel if the car isn’t repairable

What it doesn’t cover

    • misfiling cover
    • EU coverage

Motor legal protection

Add for £32.00 annually or 12 × £2.67 monthly (excluding interest).

Provides cover to claim compensation for uninsured losses in a non-fault accident. This includes personal injury, excess recovery and loss of earnings.

What it covers

    • Up to £100,000 to pursue a claim
    • Cover if there is a reasonable chance of success
    • Claims must be reported 60 days
    • 24 hour motor legal advice helpline

What it doesn’t cover

    • Cover if the other driver is uninsured
    • Claims covered by another policy

Options available on the provider’s website

You may choose to add these items if you click through to the provider.

Additional products may be available on the provider’s website.

Key cover

Add for £19.00 annually or 12 × £1.58 monthly (excluding interest).

Provides cover towards the replacement of the car’s keys and locks following the theft of keys.

What it covers

    • Theft of keys up to £1500
    • Loss of keys up to £1500
    • £0 maximum excess per claim
    • Claims will not affect your no claims discount
    • The cost of locksmith services
    • Replacement locks
    • Replacement keys

What it doesn’t cover

    • Keys left in the car or left unattended
    • Protected no claims discount

Only available with most providers if you have earned 4 years or more no claims discount. Please check with the provider to see if you are eligible

Policy fees

  • This is not a full list of fees, please check your policy documentation for full policy details and all applicable fees before purchasing.
    • Adjustment fee: £60.00
    • Duplicate document fee: £10.00
    • Payment default fee: £10.00
    • Policy cancellation fee outside cooling off period (fees may also apply within cooling off period): £60.00
    • Additional telematics cancellation fee: £60.00
    • Telematics disconnect fee: £78.00

Pros:

  1. Type of courtesy car provided is a small hatchback.
  2. £10 excess payable for repair with approved repairer.
  3. Unlimited cover for manufacturer fitted sound equipment
  4. The policy covers Recovery
  5. Cover is provided for the policy holder and all named drivers

Cons:

  1. This policy doesn’t come with Key Cover
  2. Sound equipment doesn’t cover , but available to add

 

2.     Hastings Direct Smart miles

About this provider: This insurance policy is thepart of the Hastings Group, one of the UK’s fastest growing general insurance providers. This company is dedicated 24/7 claims lineand friendly, helpful call centers, open seven days a week. Monitor your driving score and behavior on their mobile app.

 

Monthly Excess:   2031.84

Compulsory   £95

Voluntary      £500

Total                £595

Personal accident—————included

Courtesy Car———————Included

Breakdown cover —————Add 34.99 Annually

Motor legal Protection———-Included

A single payment of   £2,031.84

Or instalments of

1 × £210.00

10 ×£211.33

Total£2,323.30

Accidental Policy

  • Included as standard with this policy
  • Personal accident cover

Provides cover in the event of serious injury or accidental death.

What it covers

    • Amount payable on death is up to £5000
    • Amount payable for disability/sight cover is up to £5000
    • Cover is provided for the policy holder and their spouse/civil partner
    • 75 year age restriction applies to those covered under the policy

What it doesn’t cover

    • Injury or death resulting from attempted suicide or suicide
    • Injury or death if a seatbelt was not worn when required by law

Courtesy car

Provides a courtesy car for a set amount of time while your car is being repaired following an accident, subject to availability.

What it covers

    • Courtesy car is provided for duration of repairs
    • Courtesy car guarantee
    • Courtesy car is provided by the repairer

What it doesn’t cover

    • Cover if the car is stolen
    • Cover if the car is deemed a total loss

Motor legal protection

Provides cover to claim compensation for uninsured losses in a non-fault accident. This includes personal injury, excess recovery and loss of earnings.

What it covers

    • Up to £100,000 to pursue a claim
    • Cover is provided for the policy holder, all named drivers and passengers
    • Claims must be reported within 180 days
    • 24 hour motor legal advice helpline

What it doesn’t cover

    • Claims covered by another policy

Windscreen cover

Provides cover towards the costs of repairing the car’s windscreen or full replacement where repairs are not possible.

What it covers

    • Unlimited claims per year
    • Claims will not affect your no claims discount
    • £25 excess payable for repair with approved repairer
    • £85 excess payable for replacement with approved repairer
    • £25 excess charged if a non-approved repairer is used for a repair
    • £85 excess charged if a non-approved repairer is used for a replacement

What it doesn’t cover

    • Sunroof cover
    • Cover for windows not made of glass

Key cover

Provides cover towards the replacement of the car’s keys and locks following the theft of keys.

What it covers

    • Theft of keys up to £500
    • Policy excess is the maximum excess per claim
    • Claims will affect your no claims discount
    • The cost of locksmith services
    • Replacement locks
    • Replacement keys

What it doesn’t cover

    • Loss of keys
    • Keys left in the car or left unattended

Driving abroad

Provides cover for driving the car in countries outside of the UK.

What it covers

    • 90 days included
    • 90 consecutive days included
    • Fully Comprehensive cover in EU countries
    • Same cover level for named drivers

What it doesn’t cover

    • Minimum cover for countries outside the EU
    • Using the car for business purposes where business use is included within the policy

Personal possessions cover

Provides cover for personal belongings left in the car.

What it covers

    • Cover up to the amount of £300

What it doesn’t cover

    • Phones, laptops and other electrical items
    • Money, cards and tickets
    • Cover if the car is left unsecured

Sound equipment cover

Provides cover for audio and navigation equipment in the car.

What it covers

    • Unlimited cover for manufacturer fitted sound equipment
    • Manufacturer fitted navigation equipment
    • Non-manufacturer fitted navigation equipment

What it doesn’t cover

    • Cover if the car is left unsecured
  • Not included, but available to add

You can make changes at the top of this page. Additional products may be available on the provider’s website.

Breakdown cover

Add for £34.99 annually or 12 × £2.92 monthly (excluding interest).

If you’ve broken down this cover will assist you at the roadside as a minimum.

What it covers

    • The policy covers Roadside Assistance
    • 5 call outs per year
    • 5 tons per year
    • £0 excess payable per claim
    • Cover for cars of any age
    • Cover if the car runs out of fuel
    • Misfielding cover
    • Assistance from 0.25 miles from home

What it doesn’t cover

    • Provided by
    • Onward travel if the car isn’t repairable
    • EU coverage

Only available with most providers if you have earned 4 years or more no claims discount. Please check with the provider to see if you are eligible

Policy fees

  • This is not a full list of fees, please check your policy documentation for full policy details and all applicable fees before purchasing.
    • Adjustment fee: £20.00
    • Duplicate document fee: £0.00
    • Payment default fee: £20.00
    • Policy cancellation fee outside cooling off period (fees may also apply within cooling off period): £45.00
    • Additional telematics cancellation fee: £210.00
    • Telematics disconnect fee: £90.00

Pros:

  1. Type of courtesy car provided is a small hatchback
  2. Motor Legal Protection cover if there is greater than a 51% chance of success
  3. Cover for all windows
  4. £300 cover for non-manufacturer fitted sound equipment

Cons:

  1. Injury or death if the driver is convicted of an alcohol/drugs offence not included
  2. Cover if the other driver is uninsured is not included

 

 

3.     RACCar Insurance Black Box

 

About: Founded in 1897, RAC is known as roadside assistance service, which provides breakdown covers for motorists across the UK. After the Royal approval of King Edward VII in 1907, the group introduced emergency telephone boxes along the first road in 1912, and since then have firmly joined the motoring landscape.

RAC has extended its exemption to offer various types of insurance services including home and travel, but with a series of relevant insurance policies on offer including van, caravan, motorbike and classic car cover, its focus on motorcycles is very high is. As well as the four levels of regular car insurance, as a temporary, commercial and learner’s insurance.

Annual Excess:   2729.99

Compulsory   £150

Voluntary            £500

Total   £650

Personal accident—————–included

Courtesy Car———————–included

Breakdown cover —————-Add for free for the first year

Motor legal Protection———–Add for free for the first year

A single payment of£2,729.99

Monthly Instalment

1× £500

10× £222.99

Total: £2,729.99

Accident Cover

  • Included as standard with this policy
  • Personal accident cover

Provides cover in the event of serious injury or accidental death.

What it covers

    • Amount payable on death is up to £5,000
    • Amount payable for disability/sight cover is up to £5,000
    • Cover is provided for the policy holder and their spouse/civil partner
    • No age restriction applies to those covered under the policy

What it doesn’t cover

    • Injury or death resulting from attempted suicide or suicide
    • Injury or death if a seatbelt was not worn when required by law

Courtesy car

Provides a courtesy car for a set amount of time while your car is being repaired following an accident, subject to availability.

What it covers

    • Type of courtesy car provided is a small hatchback
    • Courtesy car is provided by the repairer

What it doesn’t cover

    • Cover if the car is stolen
    • Cover if the car is deemed a total loss
    • Courtesy car guarantee

Windscreen cover

Provides cover towards the costs of repairing the car’s windscreen or full replacement where repairs are not possible.

What it covers

    • Unlimited claims per year
    • Cover for all windows
    • Sunroof cover
    • £0 excess payable for repair with approved repairer
    • £60 excess payable for replacement with approved repairer
    • £60 excess payable if a non-approved repairer is used for a replacement

What it doesn’t cover

    • Cover for windows not made of glass

Key cover

Provides cover towards the replacement of the car’s keys and locks following the theft of keys.

What it covers

    • Theft of keys up to £1,000
    • £100 maximum excess per claim
    • Claims will affect your no claims discount
    • The cost of locksmith services
    • Replacement locks
    • Replacement keys

What it doesn’t cover

    • Loss of keys
    • Keys left in the car or left unattended

Driving abroad

Provides cover for driving the car in countries outside of the UK.

What it covers

    • 60 days included
    • 60 consecutive days included
    • Same cover level for named drivers
    • Using the car for business purposes where business use is included within the policy

What it doesn’t cover

    • Minimum cover for countries outside the EU

Personal possessions cover

Provides cover for personal belongings left in the car.

What it covers

    • Cover up to the amount of £250

What it doesn’t cover

    • Phones, laptops and other electrical items
    • Money, cards and tickets
    • Cover if the car is left unsecured

Sound equipment cover

Provides cover for audio and navigation equipment in the car.

What it covers

    • Unlimited cover for manufacturer fitted sound equipment
    • £500 cover for non manufacturer fitted sound equipment
    • Manufacturer fitted navigation equipment
    • Non-manufacturer fitted navigation equipment

What it doesn’t cover

  • Cover if the car is left unsecured
  • Not included, but available to add

You can make changes at the top of this page. Additional products may be available on the provider’s website.

Breakdown cover

Add for free for the first year.

If you’ve broken down this cover will assist you at the roadside as a minimum.

What it covers

    • The policy covers Roadside Assistance
    • Unlimited call outs per year
    • Unlimited tows per year
    • £0 excess payable per claim
    • Cover for cars of any age
    • Provided by RAC
    • Assistance 0.25 miles from home

What it doesn’t cover

    • Cover if the car runs out of fuel
    • Misfuelling cover
    • Onward travel if the car isn’t repairable
    • EU coverage

Motor legal protection

Add for free for the first year.

Provides cover to claim compensation for uninsured losses in a non-fault accident. This includes personal injury, excess recovery and loss of earnings.

What it covers

    • Up to £100,000 to pursue a claim
    • Cover is provided for the policy holder
    • Cover if there is a greater than 51% chance of success
    • Claims must be reported within 180 days
    • 24 hour motor legal advice helpline

What it doesn’t cover

  • Cover if the other driver is uninsured
  • Protected no claims discount

Only available with most providers if you have earned 4 years or more no claims discount. Please check with the provider to see if you are eligible

Policy fees

  • This is not a full list of fees, please check your policy documentation for full policy details and all applicable fees before purchasing.
    • Adjustment fee: £30.00
    • Duplicate document fee: £0.00
    • Payment default fee: £25.00
    • Policy cancellation fee outside cooling off period (fees may also apply within cooling off period): £125.00
    • Additional telematics cancellation fee: £0.00
    • Telematics disconnect fee: £0.00

About this provider

  • Telephone support Monday to Friday 8am to 10pm, Saturday 8am – 6pm and Sunday 10am – 4pm
  • Dedicated UK accident and claims line – call us 24/7 or use our My claims smartphone app
  • Save time and view your policy details, insurance certificate and policy documents online instantly

RAC Black Box rely on administration and distribution services provided by the BGL Group, see terms and conditions for more information.

Pros:

  1. Courtesy car is provided for the duration of the repair
  2. Claims will not affect your no claims discount
  3. £0 excess payable if a non-approved repairer is used for a repair is cover
  4. Fully Comprehensive cover in EU countries

Cons:

  1. Injury or death if the driver is convicted of an alcohol/drugs offence not cover in this policy plan.
  2. Claims covered by another policy is not included.

 

4.     O2 Box on board

About:The O2 drive extra box on the board product offers the customers the ability to provide more discounts with a small telematics device with their car batteries – to help young drivers reach the road (17-24) It’s great. The device gives customers access to their driving scores through the O2 drive app, as well as encourage safe driving and cannot maintain or improve their claims discounts.

Annual Excess:   2928.33

Compulsory   £150

Voluntary £500

Total   £650

Personal accident—————–included

Courtesy Car———————–included

Breakdown cover—————–AddAnnually £41.00

Motor legal Protection———-AddAnnually£29.00

A single payment of£2,928.33

Monthly plan

1 × £500

10 × £242.83

Total: £2928.33

Accidental Cover

  • Provides cover in the event of serious injury or accidental death.

What it covers

    • Amount payable on death is up to £5,000
    • Amount payable for disability/sight cover is up to £5,000
    • Cover is provided for the policy holder
    • No age restriction applies to those covered under the policy

What it doesn’t cover

    • Injury or death resulting from attempted suicide or suicide
    • Injury or death if the driver is convicted of an alcohol/drugs offence
    • Injury or death if a seatbelt was not worn when required by law

Courtesy car

Provides a courtesy car for a set amount of time while your car is being repaired following an accident, subject to availability.

What it covers

    • Type of courtesy car provided is a small hatchback
    • Courtesy car is provided for the duration of the repair
    • Courtesy car is provided by the approved repairer

What it doesn’t cover

    • Cover if the car is stolen
    • Cover if the car is deemed a total loss
    • Courtesy car guarantee

Windscreen cover

Provides cover towards the costs of repairing the car’s windscreen or full replacement where repairs are not possible.

What it covers

    • Unlimited claims per year
    • Cover for all windows
    • Sunroof cover
    • Claims will not affect your no claims discount
    • £0 excess payable for repair with approved repairer
    • £75 excess payable for replacement with approved repairer
    • £0 excess payable if a non-approved repairer is used for a repair
    • £75 excess payable if a non-approved repairer is used for a replacement

What it doesn’t cover

    • Cover for windows not made of glass

Key cover

Provides cover towards the replacement of the car’s keys and locks following the theft of keys.

What it covers

    • Theft of keys up to £1,000
    • Loss of keys up to £1,000
    • £0 maximum excess per claim
    • Claims will not affect your no claims discount
    • The cost of locksmith services
    • Replacement locks
    • Replacement keys

What it doesn’t cover

    • Keys left in the car or left unattended

Driving abroad

Provides cover for driving the car in countries outside of the UK.

What it covers

    • 60 days included
    • 60 consecutive days included
    • Fully Comprehensive cover in EU countries
    • Same cover level for named drivers
    • Using the car for business purposes where business use is included within the policy

What it doesn’t cover

    • Minimum cover for countries outside the EU

Personal possessions cover

Provides cover for personal belongings left in the car.

What it covers

    • Cover up to the amount of £500

What it doesn’t cover

    • Phones, laptops and other electrical items
    • Money, cards and tickets
    • Cover if the car is left unsecured

Sound equipment cover

Provides cover for audio and navigation equipment in the car.

What it covers

    • £500 cover for non-manufacturer fitted sound equipment
    • Manufacturer fitted navigation equipment
    • Non-manufacturer fitted navigation equipment

What it doesn’t cover

    • Cover if the car is left unsecured
    • Not included, but available to add

You can make changes at the top of this page. Additional products may be available on the provider’s website.

Breakdown cover

Add for £41.00 annually or 12 × £3.42 monthly (excluding interest).

If you’ve broken down this cover will assist you at the roadside as a minimum.

What it covers

    • The policy covers Roadside Assistance
    • Unlimited call outs per year
    • Unlimited tows per year
    • Cover for cars of any age
    • Provided by RAC
    • Assistance 0.25 miles from home

What it doesn’t cover

    • Misfuelling cover
    • Onward travel if the car isn’t repairable
    • EU coverage

Motor legal protection

Add for £29.00 annually or 12 × £2.42 monthly (excluding interest).

Provides cover to claim compensation for uninsured losses in a non-fault accident. This includes personal injury, excess recovery and loss of earnings.

What it covers

    • Up to £100,000 to pursue a claim
    • Cover if there is 51% chance of success
    • Claims must be reported within 180 days
    • 24 hour motor legal advice helpline

What it doesn’t cover

    • Cover if the other driver is uninsured
    • Claims covered by another policy
  • Protected no claims discount

Only available with most providers if you have earned 4 years or more no claims discount. Please check with the provider to see if you are eligible

Policy fees

  • This is not a full list of fees, please check your policy documentation for full policy details and all applicable fees before purchasing.
    • Adjustment fee: £0.00
    • Duplicate document fee: £0.00
    • Payment default fee: £20.00
    • Policy cancellation fee outside cooling off period (fees may also apply within cooling off period): £60.00

Pros:

  1. Unlimited cover for manufacturer fitted sound equipment
  2. £0 excess payable per claim
  3. Cover is provided for the policy holder

Cons:

  1. Cover if the car runs out of fuel is not included.

 

  1. Sheilas Wheels Model Driver

About: Sheilas Wheels is actually a brand of Escher – one of the UK’s leading direct insurance companies. Since entering the car insurance market in October 2005, after offering a product designed for women in mind, the Sheilas Wheel brand has gone from strength to strength with its attractive jingle and iconic pink, sequin-clad Sheilas. Sheelas Wheel Broker was established in November 2011 to provide insurance for those risks which could not cover the Sheila wheels.

“Launching Wheels, Broker Model Driver is a natural progression for the business and will complement our direct and broker footprint.”

Sheelas Wheels wants to encourage drivers to raise awareness of their driving behavior by sending alerts to “Extreme Driving Program”, which can be used to prove dangerous driving or warn customers about those elements which They can affect their insurance policy.

Annual Excess:£3354.06

Monthly Excess: £301.87

Compulsory   £500

Voluntary              £500

Total   £1000

Personal accident———included

Courtesy Car—————included

Breakdown cover———AddAnnually £46.99

Motor legal Protection—AddAnnually£30.99

 

A single payment of£3,354.06

Or instalments of

1 × £670.81

10 × £301.87

Total   £3,689.51

Accidental Cover

  • Included as standard with this policy
  • Personal accident cover

Provides cover in the event of serious injury or accidental death.

What it covers

    • Amount payable on death is up to £5,000
    • Amount payable for disability/sight cover is up to £5,000
    • No age restriction applies to those covered under the policy

What it doesn’t cover

    • Injury or death resulting from attempted suicide or suicide
    • Injury or death if a seatbelt was not worn when required by law

Courtesy car

Provides a courtesy car for a set amount of time while your car is being repaired following an accident, subject to availability.

What it covers

    • Type of courtesy car provided is a small hatchback
    • Courtesy car is provided for the duration of the repair

What it doesn’t cover

    • Cover if the car is stolen
    • Cover if the car is deemed a total loss
    • Courtesy car guarantee

Windscreen cover

Provides cover towards the costs of repairing the car’s windscreen or full replacement where repairs are not possible.

What it covers

    • Unlimited claims per year
    • Cover for all windows
    • Cover for windows not made of glass
    • £100 excess payable for repair with approved repairer
    • £100 excess payable for replacement with approved repairer
    • £100 if a non-approved repairer is used for a repair
    • £100 if a non-approved repairer is used for a replacement

What it doesn’t cover

    • Sunroof cover

Driving abroad

Provides cover for driving the car in countries outside of the UK.

What it covers

    • 90 days included
    • 90 consecutive days included
    • Third party cover in EU countries
    • Minimum cover for countries outside the EU
    • Same cover level for named drivers

What it doesn’t cover

    • Using the car for business purposes where business use is included within the policy

Personal possessions cover

Provides cover for personal belongings left in the car.

What it covers

    • Cover up to the amount of £100

What it doesn’t cover

    • Phones, laptops and other electrical items
    • Money, cards and tickets
    • Cover if the car is left unsecured

Sound equipment cover

Provides cover for audio and navigation equipment in the car.

What it covers

    • £999 cover for manufacturer fitted sound equipment
    • £500 cover for non manufacturer fitted sound equipment
    • Manufacturer fitted navigation equipment
    • Non-manufacturer fitted navigation equipment

What it doesn’t cover

    • Cover if the car is left unsecured

Not included, but available to add

You can make changes at the top of this page. Additional products may be available on the provider’s website.

Breakdown cover

Add for £46.99 annually or 12 × £3.92 monthly (excluding interest).

If you’ve broken down this cover will assist you at the roadside as a minimum.

What it covers

    • The policy covers Roadside Assistance
    • Unlimited call outs per year
    • Unlimited tows per year
    • £0 excess payable per claim
    • Cover for cars up to 26 years old but an additional premium applies for vehicles over 8 years
    • Provided by RAC
    • Cover if the car runs out of fuel
    • Assistance from 0.25 mile from home
    • Onward travel if the car isn’t repairable

What it doesn’t cover

    • Misfuelling cover
    • EU coverage

Motor legal protection

Add for £30.99 annually or 12 × £2.58 monthly (excluding interest).

Provides cover to claim compensation for uninsured losses in a non-fault accident. This includes personal injury, excess recovery and loss of earnings.

What it covers

    • Up to £100,000 to pursue a claim
    • Cover if the other driver is uninsured
    • Cover is provided for the Policy Holder and named drivers
    • Cover if there is a reasonable chance of success
    • Claims must be reported within 365 days
    • 24 hour motor legal advice helpline

What it doesn’t cover

  • Claims covered by another policy
  • Key cover
  • Protected no claims discount

Only available with most providers if you have earned 4 years or more no claims discount. Please check with the provider to see if you are eligible

Policy fees

  • This is not a full list of fees, please check your policy documentation for full policy details and all applicable fees before purchasing.
    • Adjustment fee: £30.25
    • Duplicate document fee: £0.00
    • Payment default fee: £0.00
    • Policy cancellation fee outside cooling off period (fees may also apply within cooling off period): £150.00

 

Pros:

  1. Cover is provided for the policy holder and their spouse/civil partner
  2. Courtesy car is provided by the repairer is cover in this policy plan
  3. Claims will not affect your no claims discount

Cons:

  1. Injury or death if the driver is convicted of an alcohol/drugs offence is not included.

 

Conclusion:

When we talk about 17 year old car insurance policy then first thing come in our mind that the policy is under 1000 pound because 17 year old guy or girl are student and its cannot afford high rang insurance policy plan. This car insurance policy is called Young or inexperience drivers’ car Insurance.  Auto Saint car insurance policy price is very low as compare to all other companies plan. And it’s also cover many features as compare to other. Its DEfaqto expert rating is also 5 star and its very good. Now we talk about RAC car insurance policy plan, Its annual price is little bit same with Hasting Direct Smart Miles Car Insurance but it is not cover many features as compare to Hasting Direct Smart Miles car Insurance policy plan.

Now we talk about O2 Box on Board Car Insurance policy plan, its DEfaqto Expert rating is good but Its annual fees and excess fees is so high as compare to other policy plan. And they cannot give any extra benefits to their customer according to price. Sheilas Wheels Modal Drivers car Insurance also have same issue as O2 Insurance policy. It’s also not give any extra benefit to their customer. RAC car Insurance policy give you black box features in same price.

On my opinionRAC car Insurance policy is best policy plan as compare to all of them. I know Auto Saint car Insurance and Hasting Direct Smart Miles Car Insurance policy price are lower than RAC insurance plan but RAC car insurance policy price is little bit high but its give you enough features benefits as compared to others and its also cover black box features included in policy plan. RAC car insurance policy plan is good for 17 year old car insurance plan under 1000 pound.

 

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