Admiral has revealed that the first year of driving poses risk for new licence holders
Admiral reports that motorists driving within the first year after passing their driving test are considerably more likely to obtain a conviction or make a claim than when learning.
Admiral has revealed that motorists driving within the first year after passing their driving test are considerably more likely to obtain a conviction or make a claim than when learning, according to new research.
Car insurance specialist Admiral looked at data from 1 million car insurance quotes and found that drivers in the first year of driving on a full licence are more than one and a half times as likely as those on provisional licences to have a conviction, and are a staggering three times as likely to make a claim.
Dave Halliday, Admiral acting managing director, said: "These statistics make worrying reading. It’s exciting to be out on the open road on your own once you’ve passed your test, however, new drivers mustn’t forget they’re inexperienced and although they now have a full licence, it certainly doesn’t make them expert drivers.
“When learning, you’re under supervision, so have your mistakes pointed out to you, but the ability to drive independently means confidence can soar, particularly with peer pressure when a new driver is carrying passengers. New drivers also need to remember that if they build up six or more penalty points within two years of passing their test, their licence is taken off them and they go back to being a learner.”
The research also showed there’s a difference between men and women when it comes to provisional compared to full licences as well.
Women within their first year of driving with a full licence are 1.9 times more likely than women on a provisional licence to have a conviction, and equivalent men are 1.3 times more likely. However, it’s important to note that men with a full licence are 2.8 times more likely than women to have a conviction in their first year.
For claims, women within their first year of driving with a full licence are 4.5 times more likely as those on a provisional licence to make a claim, and men are 2.2 times more likely. However, women with a full licence are twice as likely as equivalent men to make a claim.
Dave continued: “It’s not a surprise to see that men are more likely than women to have a conviction in their first year of driving on a full licence. It may be a surprise to some people that women are more likely to make a claim, however, although men claim less, their claims are more likely to cost more and be more serious.”
Admiral, (a trading name of EUI Ltd) launched in 1993, and is part of Admiral Group plc. It was set up to target those motorists who traditionally pay higher than average premiums, including those under-35, living in cities or driving hot hatches. It now offers its unique Admiral MultiCar policy for households with two or more cars.
Admiral writes its motor insurance business to a consortium of insurers, these being Admiral Insurance Company Ltd, Admiral Insurance (Gibraltar) Limited and Great Lakes Reinsurance (UK) plc.
The Admiral Group employs over 4,500 people in the UK and has more than 2.8 million customers in the UK.
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