Can I 削減（する） costs by going 支援する to school?

By David Budworth
Updated: 00:00 BST, 17 November 2000

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As car 保険 賞与金s continue to ロケット／急騰する, 運転者s need to be aware of any means of bringing 負かす／撃墜する the costs. Unfortunately, joining the 学校／設ける of 前進するd 運転者s (IAM), by passing the 前進するd Dr iving 実験（する）, isn't usually one of them. Although some 保険会社s will lower 賞与金s for drivers who have passed the 実験（する）, many don't.

Clare Benjamin of 保険 intermediary Hill House Hammond, said: 'It's not something that most 保険会社s ask for when they are considering a 引用する. However, some may take it into consideration when reviewing 賞与金s on an individual basis.'

There are more proven ways of cutting your 法案 than taking the 前進するd 運動ing 実験（する）. For younger drivers, the Pass 加える 実験（する） can 削減（する） 保険 costs. And downsizing to a smaller car is 保証（人）d to 減ずる your 法案. So is 制限するing 保険 to one or two 指名するd drivers rather than insuring it for everyone to 運動. 保険会社s also take mileage into account - the より小数の miles you do the cheaper the cover.

However, as 保険会社s do look at 運動ing experience doing the 前進するd 運動ing 実験（する） is still a good idea. によれば 研究 by the 輸送（する） 報告（する）／憶測 研究室／実験室 前進するd Drivers have a 50% to 75% lower 事故 率 so it's good for your health too.

Joining a 地元の IAM group and taking the 前進するd 実験（する） costs £75. The 実験（する） usually lasts about 90 minutes and 伴う／関わるs 運動ing on all types of roads - town 運動ing, motorways, 二重の carriageways and country 小道／航路s.

And if you think it's bound to be too difficult take heart from the fact that three out of four people who take the 実験（する） pass - that's nearly 10,000 people each year.

Once you have passed you become 適格の for a 献身的な 保険 計画／陰謀 for members of the IAM runs by 仲買人 AON.

Although it does 申し込む／申し出 attractive 利益s such as an 付加 one years' no-（人命などを）奪う，主張するs 特別手当 and 解放する／自由な European travel for up to 45 days a year do 重さを計る up the プロの／賛成のs and 反対／詐欺s before 調印 on the dotted line. It might not be the best value 保険 on the market. Remember, if you want to 削減（する） your 賞与金s the most important thing to do is always shop around for cover.

To find the nearest IAM group to you click here .