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Your Questions About Car Insurance Groups Uk

August 6, 2013

Sandy asks…

Is a designated driver allowed to drive my fully comprehensively insured car?

As a a fully comprehensive driver of my Toyota can I allow my girlfriend to drive with me as a passenger?

Administrator answers:

No such thing in law or insurance in the UK as a “Designated Driver”
The term is usually used by mates when they go out in a car as a group and designate one as a none drinking driver.
If she is insured in any way to drive your car it will not mean that you have to be in the car for the insurance to be valid.
No insurance in the UK works like that at all – its a not too popular urban myth.
She could be insured in one of 2 ways -
1 . By being a named driver on your insurance policy (still does not need you to be in the car.)
2. IF IF IF she has her own car and insurance and IF IF IF her insurance is comprehensive and IF IF IF it includes the driving other cars not belonging to her clause. IF IF IF it does then she will only be covered third party and only if you have insurance on it too.
Many insurance companies no longer include this and the ones that do usually add and exclusion for younger drivers typically under 23.

Susan asks…

How would I go about becoming a paramedic?

I have studied public services in college for the past three years with a view of joining the army, however I changed my mind and decided to pursue a career as a paramedic. Having read some conflicting websites about what and how I should go about it I figured this would be best answered by someone in this services or someone also aspiring to join.

Administrator answers:

To become a paramedic in the UK you will need to enroll on a 2-year university course. Several universities offer this course so you should check out their website. You can also look on the NHS careers website and they give a list of universities using the course finder tool.

To be accepted on the course you will need to demonstrate both your academic abilities but also previous experience you have. Most uni’s require applicants to have at least 5 GCSE’s grades A*-C including maths, english and science. They will also want around 200-300 UCAS points (depending on which uni’s you apply to) you get UCAS point through completing a-levels), but you could also do an access to higher education course if you don’t have a-levels. If you do/have done a-levels they require you to have studied biology, (human) biology, or a health & social care course. In terms of experience it is quite hard to gain some, but you should consider doing some voluntary work such as working in a care home or join red cross/st. John’s ambulance. This will show care experience and will also show that you really want to do the course.

As for the application process it is extremely competitive. Lat year one uni in the UK received over 2000 applications for 25 places on a paramedic science course – so you really need to stand out from the crowd. If shortlisted you will have to undergo an interview, criminal record checks, fitness tests, medical examination, group discussion tasks and possibly literacy and numeracy tests to show your educational ability.

Another point to consider is that before applying you MUST have a full UK driving licence with no more than 3 penalty points. Some uni’s, but not all, will also want you to have a C1 provisional which enables you to drive larger vehicles such as ambulances. Although having a full C1 licence is not essential to get onto the course it will be essential to gain employment into an NHS ambulance trust, so you’ll need to spend around £2000 on passing this test. Although, in some cases the ambulance trust does pay for this training for you.

Some universities will provide the course completely free as the NHS trust pays (such as Swansea Uni) but others you will have to pay for the whole course yourself, and with rising tuition fees it may become pretty expensive, especially seeing as you will have to pay for your car and insurance and stuff too (they want you to have a car so you can travel to and from your placements).

I wish you all the luck in whatever you decide to do and if you have any other questions contact me and I’ll be happy to assist as best I can :)

Donna asks…

Im just about to start learning to drive have you got any tips what car i should drive to get lower insurance?

I want a beetle but i dont think that will give me cheaper insurance, i dont have any idea.
im in england so its pointless answering this if your american

Administrator answers:

Http://www.moneysavingexpert.com

http://www.parkers.co.uk/insurance

Groups 1-20

Group 1 cheapest
Group 20 – dearest

Maria asks…

Does anyone know of any bulk buying groups UK?

I’d like to know of any bulk buying groups (for food, cleaning supplies etc) that have been set up. A group of residents are trying to organise a group to bulk buy groceries so that they can save themselves some money and we’d really like to hear of and try to get in touch with some established groups to see how they have found the experience.

Administrator answers:

This is going to sound very negative but you will find that it will be hard to beat the prices of the big supermarket chains with most groceries. I know cash and carry prices seem less in bulk but often they add VAT which can make items more expensive.

You need a firm rule with paying too.There are people who will ask you to get them stuff then turn up to collect or expect it to be delivered to them but wont have the money to pay for it.

The person who makes the purchase is the one who has to return goods found to be faulty too.

Who ever collects the bulk may find they need special car insurance because even as an unpaid volunteer, they will be considered as running a business by some insurers.

If the goods are housed overnight (or longer) in some one’s garage and they are stolen. What happens? Or if money for the orders is kept and some ones home is robbed.

If it is agreed to take turns going to the cash and carry, then there will be some one who will let you all down when it is their turn.

I have known people who have tried to do this in the past and they soon gave it up when they discovered the problems they had not realised would be there. Refunding for goods ‘out of stock’ or finding fresh fruit and vegetables boxes had several squashed tomatoes or a few mouldy oranges.

One pub near us had a group who wanted to buy goods this way and the person who was going to the cash and carry took their orders and their money and disappeared.

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