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Yswiriant i yrwyr ifanc

Felly rydych wedi pasio’ch prawf, rydych wedi dewis car, ac yn awr y cyfan sydd ei angen arnoch yw yswiriant!

Os ydych yn gyrru heb yswiriant car yna rydych yn torri’r gyfraith.

Gallai’ch car gael ei atafaelu, derbyn dirwy gosb, a byddai’n rhaid ichi dalu i ryddhau’ch car.

Ymhellach, os nad oes gennych yswiriant wrth gael damwain, byddwch yn atebol am gost anafiadau, digollediad, iawndal a thrwsiadau pawb arall, hyd yn oed os nad arnoch chi oedd y bai am y ddamwain.

Byddwch yn colli’ch trwydded a gallech golli’ch swydd oherwydd hyn.

Felly er y gallai’ch yswiriant car ymddangos i fod yn ddrud ar y dechrau, nid yw’n ddim o’i gymharu â’r hyn y bydd yn ei gostio ichi os nad oes gennych yswiriant.

Heblaw am eich oedran, mae ffactorau eraill y dylech fod yn ymwybodol ohonynt sy’n penderfynu ar bremiwm eich yswiriant, fel eich dewis o gar, eich swydd, faint rydych yn gyrru, a ble rydych yn byw.

Y newyddion da yw y bydd cost eich yswiriant car yn gostwng yn sylweddol wrth ichi fynd yn hŷn.

Mae cwmnïau yswiriant yn dechrau cynnig blwch du gyrru ar gyfer gyrwyr ifanc.

Mae’n cofnodi pa mor ddiogel rydych yn gyrru a’ch arddull yrru, i helpu gostwng y gost.

Mae llawer o wefannau yswiriant car ar-lein sy’n cynnig deliau cystadleuol iawn.

Fodd bynnag, mae rhai ohonynt yn ymddangos yn rhy dda i fod yn wir, felly mae angen ichi fod yn ofalus er mwyn osgoi cael eich sgamio.

Rydym yn argymell defnyddio gwefan cymharu prisiau neu, hyd yn oed yn well, frocer.

A chofiwch drwy’r amser ei fod yn werth ceisio bargeinio’r pris i lawr ar ôl ichi gael ychydig o ddyfynbrisiau i’w cymharu.

Gallech ddod o hyd i ddêl llawer gwell nag yr oeddech wedi’i rhagweld!

Darllenwch ragor ar ein gwefan.

Young drivers’ insurance

So you’ve passed your test, you’ve chosen a car, and now all you need is insurance!

If you’re driving without car insurance then you’re breaking the law.

You could have your vehicle confiscated, be issued a penalty fine, and have to pay to have your car released.

What’s more, if you’re uninsured and have an accident, you’ll be liable for the cost of everyone else’s injuries, their damages, compensation and repairs, even if the accident wasn’t your fault.

You will lose your licence and may lose your job because of this.

So whilst your car insurance may seem expensive to begin with, it’s nothing compared to what it will cost you not to have it.

Other than your age, there are other factors to be aware of that determine your insurance premium, such as your choice of car, your job, how much you drive, and where you live.

The good news is that as you get older, the cost of your car insurance will drop significantly.

Insurance firms are starting to offer a driving black box for young drivers.

It records how safely you drive and your style of driving, to help reduce the cost.

There are a lot of online car insurance sites out there offering very competitive deals.

However, some of them are a little bit too good to be true, so you need to be careful to avoid being scammed.

We recommend using a price comparison site or, even better, a broker.

And remember that it’s always worth having a go at haggling the price down once you’ve got a few quotes to compare.

You could end up with a much better deal than you anticipated!

Read more on our website.

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