What is young driver car insurance?
How long am I considered a young driver?
Most car insurance providers consider you a young driver until you turn 25.
Young driver car insurance is similar to all standard car insurance policies. The only real difference is the cost to young drivers is much more expensive.
On a more positive note, after twelve months behind the wheel, the no-claims discount on your insurance kicks in and starts to reduce your driver’s insurance premiums significantly.
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Why get young driver car insurance through Us?
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Fill in some details about you, your car, driving history and any named drivers
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Purchase your new policy online or over the phone, monthly and annual payments are available
What level of young driver insurance can you get?
Young drivers car insurance has the same three levels as all other driver insurance
1. Fully Comprehensive
The highest level of cover
Fully comprehensive car insurance cover protects you, your car and other drivers from any damage caused by a car accident when you are at fault.
2. Third Party Fire & Theft
The middle option of cover
Third-party fire and theft insurance protects other drivers and their vehicles, not you and your car. However, your vehicle is covered if damaged in a fire or stolen.
3. Third-Party Insurance
The lowest level of cover
Third-party insurance is surprisingly the most expensive despite only covering damage to another person’s car or an injury to another driver or passenger.
As a rule of thumb, though, everyone (not just young adults) should always go with comprehensive if you can afford it.
Don’t be loyal! Always use a comparison website to check your insurance renewal quotes
Has your car insurance renewal quote arrived?
Has your car insurance renewal quote arrived?
What! You expected a better offer from your existing insurance provider as a younger driver! Very unlikely that’s going to happen.
Shock, curse, then pay up – that’s what most people do, of all ages.
Many insurance providers can offer cheaper car insurance deals to their customers, but they don’t like telling them.
At YoungCarDriver, we recommend you never accept a renewal quote without first using a comparison site, even if it’s not Us.
Far too many young drivers miss out on cheaper car insurance premiums simply because they don’t try.
What documents do you need to get car insurance quotes?
Make sure you have everything to hand before you start searching for your car insurance quote
Your car details
You will need the Registration or make, model and year made.
Your personal details
You will need to provide your name, address, age and job.
Details for additional drivers you wish to add to your policy.
No Claims Bonus (NCB)
Provide details of previous NCB years.
Use of vehicle
Is it for social, domestic or business purposes & expected mileage?
Level of insurance cover
Fully comp, 3rd Party or TPF&T.
Why is car insurance for young drivers so expensive?
As a younger person, it can seem unfair that young driver insurance is expensive. However, there are pretty solid reasons why!
According to Brake, the road safety charity, young drivers under 25 are at a much greater risk of crashing their cars than older drivers.
After passing the driving test, young drivers are more likely to take a chance in the first few years, making them a greater liability to the insurer.
The higher the risk to the insurer, the more your insurance premium. Often, as a young person, you pay less sadly, that is not going to happen with car insurance.
You are most likely to get a cheaper insurance deal by changing insurers. Switching car insurance is an excellent way for young drivers to cut the cost of their premiums.
How to get cheaper car insurance for young drivers - here are Nine things that can help!
Thankfully, there are a few things that a young driver can do to get cheaper car insurance
1. ALWAYS use a car insurance comparison website
It doesn’t pay to be loyal to insurance providers!
Never auto-renew your existing car insurance policy without first shopping around.
If you can afford to pay for the whole year’s car insurance policy, do it – the cost of monthly instalments is often more expensive (in total).
When you get an acceptable price, phone and ask the insurer for a discount, the worst thing that can happen is that they say no! It’s worth a try.
2. Get a car in a low insurance group
The lower the number, the cheaper the insurance!
Insurance prices aren’t entirely random.
Every car in the UK gets a car insurance group number between 1 and 50 depending on price, style and performance.
Typically, driving a basic small engine car (like a Skoda Fabia) in a low insurance group should cost a lot less to insure than a luxury brand powerful engine (like a BMW M4) in a high group number.
YoungCarDriver recommends a supermini for young drivers, as the insurance groups tend to be very low.
3. DONT modify your car
A modified car will cost more to insure!
Many young drivers love to do up their cars. However, the insurance provider can see modifications such as alloy wheels, a new spoiler or even an expensive car sound system as an additional risk of theft of your car.
Some insurers will increase the cost of your car insurance policy for a modified car, while others may refuse to insure the vehicle.
Similarly, modding out your engine might make it faster, but it can cost you more money in insurance premiums.
4. Extra security for your car
Increase the security of your car!
Fitting an alarm or immobiliser on your car and parking somewhere safe overnight, such as a garage or driveway, reduces the threat of your vehicle getting stolen, making you less of a risk in the eyes of the insurers.
If you park your car on the street, you could find your premium is higher – due to the exposed nature of the parking and the higher risk of damage or theft.
5. Choose a higher voluntary excess
Increasing your Voluntary Excess should lower your insurance cost!
Voluntary excess is something you opt-in to pay when you sign up for your policy. The higher the voluntary excess, the cheaper your monthly insurance payments will likely be.
However, tread carefully. Make sure that you can realistically afford to pay the excess in the event of an accident.
Note: A compulsory excess is what you have to pay on a policy.
For example: if you have a compulsory excess of £250 and a voluntary excess of £250, you’ll have to pay £500 towards the cost of any claim you make.
6. Limit your mileage
It’s true. The lower the distance you drive, the less your insurance premium!
Your insurance company will want an estimate of your mileage. It’s essential to be accurate and realistic here, though, as false mileage could invalidate your policy.
However, don’t overestimate, as you’ll pay more money for no reason.
Work out how many miles you tend to drive in a month and multiply by 12!
7. Add an experienced named driver (like a parent) to your policy
Adding a named driver is a legitimate way to get cheaper car insurance!
Adding an experienced driver such as a parent can dramatically reduce the amount a new driver pays for car insurance.
However, you need to remain the main driver. Never give false details about who the main driver is doing so is known as fronting and will invalidate your policy, and is technically fraud!
8. Drive safe
The insurance provider loves low-risk drivers!
Safe drivers are rewarded, even young drivers, with cheaper insurance.
However, getting penalty points and speeding fines will result in higher insurance costs, so drive carefully and save money.
Not to mention the fines you’ll need to pay out if you get caught speeding, at least £100! It’s not worth it – stay safe.
9. Avoid claiming on your insurance
Don’t make a claim, and your no claims bonus will increase!
After just one year of motoring as a new driver without making a claim, you get a “no claims discount” of 30% on the following year’s insurance.
Your ‘No Claims Bonus’ continues to rise in annual steps to a maximum of 60 to 65%.
Don’t worry about changing insurers, though. You don’t need to be loyal to your provider. Your NCB is transferable to your new insurer.
Do you need something different from standard car insurance?
Black box car insurance
Telematics insurance policies use a black box that monitors you’re driving style to calculate the cost of your insurance.
FAQs: Young drivers car insurance: your questions answered
Insurance providers will only do a “hard search” (credit check) if you want to pay for your car insurance monthly.
Comprehensive insurance is undoubtedly the best available – it offers the most protection and can give you lower insurance premiums.
However, as there are more types of incidents to pay for, your insurer can sometimes charge a high premium.
Insurers also take into account the psychology of their customers – if someone is looking to buy a less comprehensive cover, they could potentially be less responsible and more likely to crash in the first place.
In general, it’s hard to predict. Make sure you always compare the price of comprehensive insurance, even if you’re shopping around for the cheapest one possible. You can often find it for the same price or even cheaper than a lower cover plan!
However, you mustn’t try to change your job title to reduce your quote price. You could get caught out here and even end up paying more!
Also, if your occupation means a lot of driving, you can expect a higher premium – due to more time on the road!
You can also look at used-car listings to see the current price of a similar model and condition to yours.
The car’s current value depends on a range of factors, including its make, age, mileage, service history, modifications, and general condition.
Typically, you don’t have to be 100% accurate when applying for insurance. Give an approximate value based on your research.
Never overestimate. You’ll end up paying more for your insurance. In the same token, don’t underestimate, as you could invalidate your policy.
You can estimate your mileage by calculating how many miles you drive every day or week and then adding them to work out your annual use.
Alternatively, check your MOT certificate or car service record, which will show how many miles you’ve driven. You can use this as a basis to calculate your future mileage!
Some fully comprehensive car insurance policies allow the main driver on that policy to drive someone else’s car (naturally, look into your policy documents to be 100% sure)!
Unfortunately, very few insurance policies include new, young or inexperienced drivers driving a car belonging to someone else.
You have to provide this so that the insurer can have accurate data on your driving history.
If you don’t, you could have your claim invalidated in the event of an accident, costing you a fortune and rendering the insurance pointless!
DVLA will tell your insurer:
- You’re legally entitled to drive.
- Any penalty points or convictions you have.
- Past disqualifications.
- The type of license and how long you’ve held it.
Most of the time, insurers will do this on your behalf. However, insurers aren’t exact equals, so an insurer can work from their no-claims discount schemes and work to their own rules.
Occasionally, you may need to supply evidence from your previous insurer to prove that you have an NCB. Get in touch with your old insurer if you need to acquire any written records.
Many insurers won’t recognise no-claims bonuses that you’ve gained as a named driver on someone else’s policy (like a parent). Also, if you’ve been off the road for a few years, your no-claims discount likely won’t be valid anymore.
We can’t guarantee you the same price if you come back later – your quote could go up. You are more likely to achieve a lower quote the earlier you start looking.
Also, most insurers reserve the right to charge an admin fee – which can be pretty high, so make sure you’re happy with that before you sign on the dotted line.
If you cancel after the cooling-off period and pay by monthly instalments, you may not be entitled to a refund. Some providers may charge an extra premium to include the time you’ve had covered and a cancellation fee. Take a look at your policy for details.
However, most insurers charge an adjustment fee for changing an address or adding a driver to the policy. At the same time, other providers may allow you to make simple changes online without a charge.
Compare car insurance for young drivers today and start saving.
What add-ons can you get with car insurance?
As a young driver taking out insurance, you will see many extras you can add to your insurance policy.
Some are free, but many of these additional features will cost extra.
Be careful only to select the items you need; otherwise, your insurance premium cost will soon shoot up.
YoungCarDriver recommended you never drive without breakdown insurance. The cost of breakdown insurance is minor compared to the peace of mind it brings.
Depending on your insurance provider, you’ll usually have the choice of these optional extras:
- Breakdown cover which gives you access to roadside assistance if your car breaks down.
- Windscreen cover allows you to claim the cost of replacing a cracked or shattered windscreen
- No claims bonus protection covers you against the loss of any of your NCB in the event of an accident
- Car key covers you for lost and stolen keys, replacement locks and call-out charges
- Courtesy car cover gives you a replacement car to use while yours is in for repair.
- Legal cover a payout for legal expenses related to an accident claim by you or another party.
- Driving abroad cover allows you to take your vehicle abroad and drive in the EU.
- Multi-car cover allows you to drive more than one car under a single policy.
- Personal accident cover, a payout if you’re injured or killed in a road accident.
- Replacement keys cover the expense of replacing a lost, damaged or stolen set of car keys.
- Misfuel cover allows you to claim repair costs if you put the wrong fuel in your car and damage the engine