Young Driver Car Insurance

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Obtaining cheap car insurance for young drivers has often been a frustrating experience, due to the sky-high premiums many are forced to pay.

If you are a younger driver, in your early 20s, or have only just passed your driving test, this guide aims to help by providing tips on how to get a good deal on your motor cover.

There are several reasons why younger drivers pay more for their car insurance.

These include:

• Drivers are statistically more likely to have an accident in the first two years after passing their test than at any other time. One in five drivers will have an accident in their first year on the road.
• A third of fatalities on UK roads are caused by young drivers aged 17 to 25.
• Young drivers also experience more theft, fire and vandalism to their vehicles, which leads to claims on their car insurance.
• Young drivers are more likely to be ferrying around a car full of friends and therefore face a much greater risk of being involved in an accident than someone who just uses their car to nip out to the shops mid-afternoon.

Cheaper Car Insurance For Younger Drivers

So how can you get cheap young driver car insurance? Much of the advice given in our standard car insurance guide applies equally to younger drivers. However, here are some extra tips that can help shave pounds off the cost of your motor policy.

• Forget about turbo-charged cars, with big spoilers, fat tyres, alloy rims and other “sexy” extras. For at least two years after passing your test, aim to drive a car that has a small engine, or is in the lowest possible insurance group.
• If at all possible, avoid being added to a parent’s insurance policy. It prevents you from building up your own no-claims bonus.
• If you are the main driver or registered keeper of the car, DO NOT insure it in your parents’ name and put yourself down as a named driver. This is known as “fronting” and in the event of an accident it could mean the claim is not paid. Moreover, the younger driver can be charged with driving without insurance.
• Consider taking part in the Pass Plus scheme. This is a certificate where a young driver who has already passed his or her driving test receives specific lessons in night, motorway and town traffic driving. Achieving the Pass Plus can earn significant discounts (as much as 35%) on your car insurance.

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