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Advice to young drivers offered by insurer

Young car purchasers, who typically face high car insurance premiums on top of their car loans costs, can employ several techniques in order to make driving cheaper, the Daily Telegraph reports.

Insurance firms generally charge youngsters extra due to the extra risk that covering them entails - figures from the Association of British Insurers show that males under the age of 21 become involved in accidents ten times as often as the over-35s.

However, enrolling in a Pass Plus scheme - an additional motoring qualification awarded to good drivers - can cut costs, a spokesperson for RBS Insurance told the newspaper.

"The benefit of the Pass Plus scheme is that it gives the policyholder a discount at the start of their time as a driver," Jennifer Culley added.

According to the insurance firm, driving a lighter car with a "small engine" will also reduce premiums - as these vehicles tend to cause less damage if involved in an accident.

Enrolling in a Pay As You Drive policy from providers such as Norwich Union, which offers cheaper premiums for drivers using their cars outside of peak hours, was also suggested as a good way of lessening the financial burden.

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