IAM's for car discount

[Fifteen15]

I'm planning on doing my IAM's for the bike this summer after doing BikeSafe a few days ago. From what I can gather, the bike and car IAM's are pretty much the same so after doing the IAM's on the bike I'm planning on doing it for the car, mainly for the insurance discount. I'm 19 and have been driving since I was 17 but with no NCB so insurance is crazy high, so I'm doing the IAM's mainly for the discount, but would it make that much of a difference? I've tried doing insurance quotes but unlike on the bike insurance websites, they don't ask if you have done any advanced training courses so I don't know how much discount IAM's would actually give or whether it would just be a waste of time.
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"Pain is weakness leaving the body, and blood makes the grass grow faster...but I'll wear my gear anyway"

[james1988]

First things first. If you intend on going through IAM Surety you have no chance. I passed my IAM course at 19/20 and was told by IAM Surety you have to be 21 to use them.

Secondly you wont get massive discount on insurance. Mine has ben around the £50 mark (I'm 23 3 years NCB driving after some twat rear ended me, 5 years driving and 3 on the bike).

Ideally you should be looking to do it to improve your road craft. If you've mentioned this in your first post I apologise for missing it but I skimmed it rather than read it in detail as I'm trying to revise at the same time.

James

[Fifteen15]

[soforene]

On eBikes web site there's a drop down menu which lists all kinda things (such as modifications, advanced training etc.) to choose.
I had a rebate of approx. £16 part way through a policy for adding RoSPA qualification.

[JP7]

I joined IAM when I was 20, at that time I was saving £200-£300 a year on my premiums. It amounted at that time to a good 20-30% off. Even though you aren't eligible for IAM Surety until you're 21, a lot of companies still recognise the IAM qualification, particularly the Admiral group.

I'm now with IAM Surety and they are fantastic, so as soon as you're 21 get a quote off them. They will always beat everyone else's premium, and you get free protected no claims and reduced admin fees. I also get free business and free cover for being an IAM observer.

[T.C]

Most insurers do not even recognise advanced qualifications these days, unless you come across an insurer with whom the IAM has negotiated a special deal based on numbers rather than being a better risk.

As an examiner, Police class 1 car and bike, advanced instuctor and, and, and I used to get massive discounts, but now the premiums are based soley on my age and my accumulated no claims discount.

When asked about advanced qualification discounts, 99% of them say that it is no longer worth their while.

I was shopping around for insurance a few years ago when discounts were offered, and I had one sales person who was adamant that the IAM pass was a higher qualification than my Police class 1.

So when I asked the person why was it then that to be an examiner the person had to hold a police class 1 qualification, the sales person thought I was taking the piss and said they would have to go and check with their supervisor

The apology I got when they returned the phone call was amusing to say the least and they offered me a further 10% on top of the discount they had already offered.

Shame that their policies were about 30% more expensive than the quotes I had already had without any discount for qualifications.
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It is better to arrive 30 seconds late in this world, than 30 years early in the next

[djr]

[T.C]

[djr]

[T.C]