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Whatever your age, your first car insurance policy will probably be the most expensive car insurance you ever buy.
That doesn’t mean you should give up on finding a cheap policy, or at least a cheaper one. But it is important you choose a policy that offers the right level of cover for you.
Some insurers will offer much lower premiums than others so it pays to get as many quotes as possible to find the best deals
When it comes to finding new driver car insurance, cheap is not always best.
Never buy your car insurance on price alone; look for the policy with the right cover for you, because the cheapest policy could cost you more in the long run
Although you will pay more for your car insurance there are things you can do to reduce the cost of your monthly premiums.
Get comprehensive cover, which not only gives you the best protection, but can be cheaper than lower levels of cover. This guide explains which level you should get.
Add an experienced driver to your policy. Having a safe driver on your insurance could mean lower quotes; find out more about adding drivers to your policy here.
Just make sure they are named only, as adding them as the main driver when you drive most of the time counts as fraud, and could get you in serious trouble and your claim rejected if you are involved in an accident. This guide has more tips on finding the right cover as a new driver.
When you make a claim on a car insurance policy you will have to pay an excess, which is how much of the claim you have to pay yourself, so check how much each policy charges when comparing quotes. Some insurance companies impose larger excess for inexperienced drivers, so make sure that you can afford the excess amount in the event of a claim. Find out how car insurance excess works?
New drivers have less experience and are more likely to be involved in accidents and make insurance claims, so car insurers charge them more. All drivers have gotten safer in the past few years, and younger drivers have shown the most improvement but young drivers are still more likely to be involved in accidents than drivers over the age of 25.
Figures from the Department for Transport in 2018 show that around one in five new drivers are involved in a crash during their first year on the road
Young drivers between 17 and 24 are three times more likely than drivers from any other age group to be injured in a car accident
Young drivers often crash with other young people in the car, injuring them, and because each passenger is a ‘third party’, the insurer has to pay out for their injuries, making claims more expensive
Yes, it is illegal to drive in the UK without insurance and you could face a fixed fine, six points on your licence and your car being seized and destroyed if you do it.
There are three ways you can learn to drive and that will determine whether you need to take out learner driver insurance:
In your own car: you will need to have a learner insurance policy in place
In someone else's car: you must either get a provisional insurance policy, or ask the main driver to add you to their policy
If you are learning instructor: you won’t need provision or learner driver insurance because you’ll be covered by your instructor as the provisional insurance costs are included in the fee you pay them
Find out more about how learner insurance works
All car insurance covers you if you have an accident, but there are different levels of cover available.
Third party – the most basic cover – if you have an accident that is your fault it will cover you for damage to another car or property and for injuries to a driver and passengers
Third party fire and theft – same as third party but you are also covered if your car is damaged by fire or stolen
Comprehensive – (or fully comp cover) this is the highest level of cover and will also pay out if your car is damaged and you are at fault.
It is the amount you have to pay towards any claim you make, all insurance policies have an excess but you can choose to pay more upfront – which can reduce your car insurance premiums. Find out how car insurance excess works here.
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By comparing car insurance, UK car owners could save money on their policy. The best value car insurance will offer the cover at an affordable price. Choose a cover plan from the best UK car insurance companies and see the online discounts they offer.
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Last updated: 30 November, 2021