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Young Drivers Insurance

Young Drivers Insurance

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Compare young driver car insurance quotes from UK insurance providers

As a young driver, if you are aged between 17 and 24, finding cheap car insurance can be frustrating due to high premiums, the risks and lack of experience involved with new drivers.

UK young driver car insurance comparison

If this is your first car, you are under 25 or have little or zero no claims bonus, it may be a good idea to shop around for a cheap young driver insurance quote.

There are a number of practical steps that young drivers can take to reduce insurance premiums, such as completing the Pass Plus scheme, reducing their annual mileage or driving a car with a smaller engine. It may also be worth considering third party or third party fire and theft cover, which in some cases may be cheaper.

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Young Driver Insurance Guide

Insurance for young driversthose aged between 17 and 25could be much more expensive than insurance for older drivers, because to an insurer, the lack of driving experience means there’s more risk involved in driving.

In most respects, young driver insurance in the UK is similar to standard insurance, but there are some important differences that young drivers might want to be aware of.

Levels of Coverage
  • Third party: If a driver is involved in an accident and is found to be responsible, third party could cover the costs of any damage incurred to the other driver and their vehicle. It doesn’t usually cover any damage to the car of the at-fault driver.
  • Third party, fire, and theft: Typically provides third party insurance, and covers loss due to theft or fire.
  • Comprehensive cover: Provides third party, fire, and theft. If a driver is in an accident for which they are responsible, this insurance could cover the damage to their vehicle.
Insurance Groups

Insurance companies put each make and model of car into one of 50 separate groups according to factors such as price, performance level, and engine power. These groups represent levels of risk, and significantly influence premium calculations. Generally speaking the lower the group a car is placed in, the lower the base premium price will be.

Black Box Policies

Also called telematic policies, these use a device similar to an airplane’s black box to monitor a person’s driving habits. The black box is a small device that’s placed in the car, and uses satellite technology to record data such as mileage, driving speed, braking and acceleration habits, cornering, and what times of the day the car is driven. As a general rule, someone who drives responsibly may be able to earn lower premiums, so these policies could be a useful way for young drivers to get more affordable insurance.

Optional Extra Coverage

Adding these extras to a policy could increase the cost, but provide some additional protection:

  • Windscreen cover is usually included in a comprehensive policy but if a driver has third party insurance they may buy windscreen protection as an add on.
  • Breakdown insurance may provide a driver with roadside assistance if their car breaks down.
  • Coverage for legal expenses if a third party makes a claim for compensation in the event of an accident.
How to Compare Young Driver Insurance Policies

For young drivers it might be particularly important to shop around to find insurance that provides a good level of coverage, while trying to minimise the cost.

  • Comprehensive cover is sometimes similar in price or even cheaper than third party, so young drivers might want to check comprehensive premium rates too.
  • For a young driver who lives at home with parents, it may be cheaper to add the young driver’s car to a multi-car policy rather than insuring it separately. Some insurance companies even offer a premium discount for cars owned by the same household, even if they’re insured under separate policies.
  • When comparing black box insurance online, young drivers could look at the possible negative consequences as well as the positive ones. For example, if the driver is involved in an accident, or ends up with a higher mileage than expected, what’s the potential premium increase?
  • Some specialist providers offer black box policies that restrict driving to daylight hours, or restrict mileage, in exchange for lower premiums. These could be good relatively low-cost options providing the conditions could be met consistently.
Minimising Premium Costs

To insurers, young drivers may have an inherently higher level of risk than older, more experienced drivers do. This may make it difficult to get young driver insurance cheap; however, there are still some ways that younger drivers could reduce their premium costs.

  • For young drivers in particular, insuring a car that is expensive, high-performance, or modified may increase premiums significantly. Some insurers may even refuse to insure a young driver with this kind of car. Instead, young drivers could earn lower premiums with a more moderate vehicle that falls into one of the lower insurance groups.
  • Completing an advanced driver course may help a young driver qualify for reduced premiums.
  • Adding a named adult driver to the policy can reduce the premiums. However, be wary of fronting, which in this context means telling the insurance company an adult is the main driver, when in fact it’s a younger person.
  • Excess is applied to car insurance twice. The first excess amount is set by the insurer. The second amount is a voluntary excess in an amount set by the driver. Paying a higher voluntary excess may mean paying more out of pocket if a claim is made, but it could help to reduce premiums.
  • While initial premiums may be high, a young driver could achieve lower premiums in the future by driving responsibly and earning a no-claims discount in future years.
  • Choosing a black box insurance policy could help a young driver reduce their premiums more quickly, as long as their driving habits are shown to be responsible.
  • Paying premiums annually may often cheaper than paying them monthly.
  • Increase security to reduce risk and premiums. An alarm or other security device, or designated off-road parking, could help with this.
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