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How to Get Insurance for Young Drivers: The Ultimate Guide


If you are a young driver, it can be tough to find affordable car insurance. The good news is that there are steps you can take to make it more affordable. In this blog post, we will discuss the best ways to get insurance for young drivers. We will also talk about black box insurance and how it can help reduce your premiums. So if you are a young driver looking for affordable car insurance, read on!



Why is young driver insurance so expensive?                       young driver car insurance


Young drivers usually have more driving experience behind the wheel compared to older drivers. Unfortunately, this can lead to accidents and the need to file insurance claims. The insurance companies use their own information to prove their claims. The price of insurance depends on a lot of factors. This is a factor for drivers of all age groups.


Insuring young drivers can be tough but there are a number of ways to find cheaper car insurance for young drivers.


Buy a cheaper car to keep insurance costs down


One of the most important factors that impact the car insurance cost for young drivers is the type of car you drive. Cars are divided into groups based on things like age, engine size, and average repair costs. Generally speaking, sports cars and luxury vehicles are more expensive to insure than sedans or hatchbacks. This is because they are more expensive to repair and are more likely to be involved in accidents. If you want to save money on your car insurance, consider buying a less expensive car.


Cars are divided into different insurance groups in the UK, from 1 to 50. The lower the insurance group the cheaper the car is to insure. For young drivers, it’s often best to choose a car in insurance group three or below.


Several cars have models in Group 1 also. These include:


  • Vauxhall Corsa

  • Fiat Panda

  • Citroen C1

  • Volkswagen Polo

  • Nissan Micra

  • Skoda Citigo

  • Kia Rio

  • Hyundai i10


Sticking to a model with a Group 1 insurance rating will help keep the insurance costs lower.


Install security features


One way to make your car insurance more affordable is to install security features like an alarm system or tracking device. This will help deter thieves and lower the risk of your car being stolen.


As a result, your insurance company will be less likely to charge you a high premium.


Security systems have become increasingly sophisticated in recent years, and they can provide a great deterrent to would-be thieves. Many systems now come with GPS tracking, so even if your car is stolen, it can be quickly located.


In addition, many security systems can be integrated with your smartphone, making it easy to arm and disarm the system as needed. So if you're looking for ways to save on car insurance, installing a security system is definitely worth considering.


Get black box insurance


Black box insurance, also known as telematics car insurance, is a type of coverage that uses black boxes, or small devices, to track your driving. The black boxes are installed in your car and record data such as your speed, braking and acceleration. This information is then sent to your insurer, who uses it to determine your premiums.


Black box car insurance is becoming increasingly popular with young drivers, as it can help to reduce their insurance premiums. This is because young drivers are considered to be at a higher risk due to their lack of driving experience. By tracking their driving habits, insurers can get a better idea of how likely they are to have an accident and adjust their rates accordingly.


Telematics insurance can also help you to become a safer driver by providing feedback on your performance. If you're looking for ways to save on your car insurance, telematics insurance may be worth considering.


Consider the level of car insurance cover you take


Car insurance is a legal requirement in the UK, and there are a variety of different policies available to drivers.


The most basic level of cover is third-party car insurance, which covers damage to other people's property but not your own car. This is the minimum level of cover required by law, but it does not provide any protection if your car is stolen or damaged in an accident.


For this reason, many young drivers opt for more comprehensive levels of car insurance, such as fully comprehensive or third-party fire and theft. These policies provide greater peace of mind, but they also come with higher premiums. Having a third-party-only policy is a risk, especially for a new driver.


Ultimately, the level of car insurance you choose should be based on your individual needs and circumstances. You should carefully compare car insurance quotes for both the premium price and the premium features to make sure you are covered sufficiently.


Use a specialist broker to find cheap car insurance for young drivers              young driver insurance savings


Car insurance for young drivers is notoriously expensive. This is because insurers view young drivers as high-risk, and as a result, they often charge very high premiums. However, there are ways to bring down the cost of car insurance for young drivers.


One way is to use a specialist car insurance broker. These brokers have access to a wide range of insurers, and as a result, they can often find much better deals than young drivers would be able to find on their own.


In addition, these brokers have the expertise to guide young drivers to the best deals. As a result, using a specialist car insurance broker can help to drive down the cost of car insurance for young drivers.


Examples of specialist young driver insurance providers would be We are Marmalade and Adrian Flux. There will be more with a simple internet search also.


Increase your excess contribution on your motor insurance


The excess on your motor insurance policy impacts the cost of your premium. The excess is the first part of any claim that you must pay, not the motor insurer. For example, if you have an accident and the cost of your repair is £1500, then you must first pay your excess for your motor insurer to pay the remainder of the repair costs.


If your excess was £500 then you would pay £500 towards the costs of the £1500 repair, with the motor insurer footing the remaining £1000.


Motor excess is split into two aspects:

Compulsory excess - this is the fixed amount that your motor insurer imposes on your annual policy.

Voluntary excess - this is the amount you can set that you will contribute to any claim on your annual cover.


By opting for a higher voluntary excess you could see your annual motor insurance premium reduce, especially for younger drivers.


A word of warning though, if you have a high excess then this means you will have to pay more from your own pocket if you do have a claim.


You could look to mitigate your higher motor excess by taking out a motor excess insurance policy. This allows you to claim back your motor excess costs, if you make a claim, by having a separate insurance policy to cover this.


Generally, excesses for young drivers' car insurance can be higher anyway. Getting a motor excess insurance policy to cover this can be a good idea.


Getting GAP Insurance to help bridge any losses                new driver car insurance


GAP Insurance can be added to your fully comprehensive insurance to help protect the value of any car a young driver may buy. The good news with GAP Insurance is that premiums do not seem to be impacted by the age of the driver. However, different GAP Insurance providers will have a minimum age and license status to qualify. For example, Total Loss Gap can cover drivers over 18 with a full UK license.


Try comparison websites for cheap car insurance quotes


Part of the process to find the cheapest car insurance should include the use of comparison websites. This is because it is the simplest way to enter your details once and compare insurance quotes from a number of insurers.


There is any number of comparison websites available online, and all will tell you they are better than the others.


Do not assume that you will get the same quote from one insurer across a number of comparison websites. Premiums can vary quite a lot. Also, double-check the premium quoted on the comparison site against the insurers' own website. Again premiums can differ between car insurance providers.


Add an experienced 'named' driver to the motor insurance policy


Adding a more experienced named driver to a young driver's insurance policy can reduce the annual premium with some providers. The assumption that the experienced driver may influence the young driver to be careful may be the reason for this. A clean driving history does lower premiums generally.


Getting the best car insurance for a young driver can be tough. The most expensive premiums are levied against the lease experienced drivers who have only just passed their driving test. The pain of paying expensive premiums really cannot be avoided, however, a few years of careful driving and building a good no-claims bonus can help reduce premiums in only a few years.


We hope our few tips prove to be helpful and might just save you a few pounds along the way.