Running a motor car has various costs of which insurance is a major one.

In relative terms, learning to drive is comparatively cheap when compared for instance with the professional fees of other types of personal tuition. Having passed your test, the purchase a car should not be beyond your budget. It is the day to day maintenance and running costs that can however cause a problem, particularly for the new driver without much money, who buys an old car. Ask a broker how much your insurance will cost and the answer will probably be 'it depends'.

It depends:

	your age ?
	the area where you live ?
	what you do for a living ?
	have you completed a 'Pass Plus' Course ?
	if you have, or have had endorsements on your driving licence ?
	if you have any 'no claims' bonus ?
	on the type of use you'll make of the car ?
	the type and model of car ?
	the car's engine size ?
	will it be garaged ?
	how old the car is ?

If you or the type of car you have, has a profile that has cost a particular insurance company dear in the past, they will pitch the premium high, or will decline to quote for your business. Another company may be happy to give you a lower quote. It is usually possible to pay for your insurance cover in monthly bank direct debit instalments.

Once you have bought your insurance you will be given a temporary 'cover note'. An insurance certificate and policy document will be posted to you.

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