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How much is car insurance for a new driver UK


Getting your license can be an exciting time, however before you take to the road you’ll need to have something in place….Insurance

How much is car insurance UK

Your car insurance will vary depending on many factors, these include your age, car, provider and type of insurance. If you are a new driver you won’t have a previous driving record for insurers to evaluate your risk, so they will look at statistical trends for the factors that apply to you such as the ones mentioned above. Your risk is essentially the likelihood that you will be involved in an accident and cost your insurer money. Insurance companies will do their best to keep their risk as low as possible as avoiding incidents where they will be required to make a pay-out is crucial to their profitability. The amount you pay will be reflective of this as if you are deemed higher risk, your insurance premiums (the amount you pay each month) will be higher to cover that risk.

How much is car insurance per month UK

The type of insurance policy you take out will be the biggest factor in determining this, the common types of insurance offered by providers include Third-party, Third-Party Fire and Theft and Comprehensive cover. These vary in there levels of cover and also vary in cost across lenders.

The level of coverage that you get offered on a policy will naturally increase the price of your premiums, for example if you take out a third-party insurance policy you will only cover damage you do to another driver’s vehicle when at fault. If you take out a fully comprehensive policy you will be covered for both your and the other party’s vehicle if you are at fault.

How do I save on my insurance?

Here are some tips for first-time drivers on how they can save on their insurance.

  • Always compare car insurance quotes from multiple lenders.
  • Check insurance quotes for the car you want before you buy it.
  • Increase your excess, this can lower your premiums.
  • Look into group insurance, group 1 is the lowest, 50 the highest
  • Add an older driver to your policy, this will reduce your premiums
  • Consider black box or telematic insurance for lower premiums

At Quotezone, helping people find better deals is important to us. We can help you find the best deals on your car insurance with our panel of dedicated UK specialists. Whether you’re looking for third-party, third-party fire and theft, or comprehensive cover, Quotezone has you covered.

This article is intended as generic information only and is not intended to apply to anybody’s specific circumstances, demands or needs. The views expressed are not intended to provide any financial service or to give any recommendation or advice. Products and services are only mentioned for illustrative rather than promotional purposes.

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