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Learning to drive is already expensive. Even after you pass your test, motor insurance for young drivers can be even more costly.
The average cost of motor insurance for younger drivers is reported to be £1,767.22, according to the experts at Quotezone.
If your 17-year-old is named on a motor policy, one wrong turn could lead to a crash and an excess charge of £250, £500, £1,000, £1,500 or more.
Our Motor Excess Insurance means you can get the excess cost refunded if the claim on the main insurance is approved and you have paid the excess charge.
Car insurance for young drivers often comes with high excess levels (voluntary and compulsory combined). That’s on top of steep annual premiums.
A claim in their first year can cost hundreds—money many young drivers don’t have to spare.
Motor Excess Insurance can help protect that risk. If they’re in an accident, or the car is stolen, damaged, or vandalised, you can claim the excess back once the primary insurer pays out.
There is no restriction on licence type; a provisional licence is fine. The key is that it’s current and valid.
Prices start from £14.99 per year.
Limits and costs vary based on your selected cover.
Cover your excess today – get a quote in minutes.
Yes, as long as the driver is named on a valid comprehensive insurance policy and holds a current and valid UK provisional or full licence, they are eligible.
Yes, the policyholder and any named drivers on the motor insurance can be covered under this excess policy, provided they're listed at the time of claim.
The policy will refund up to the selected annual limit. Any amount above that won’t be reimbursed. For example, if you choose a £500 limit and your excess is £750, you’ll be refunded £500.
Yes, as long as the total reimbursement doesn't exceed your annual claim limit, you can make multiple claims during the policy year. If you have an excess claim limit of £1,000, you could make two separate claims for £500 during the same policy term, for example
If your insurer hasn’t recovered the excess from the third party within 6 months, you can still claim under this policy.