Young Drivers Insurance
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Why Compare young driver insurance at SimplyQuote.co.uk?
Young drivers, you’re ready to hit the road and SimplyQuote has got you covered!
Finding the right car insurance at your age can feel like a challenge, but it doesn’t have to be.
We understand how overwhelming being behind the wheel is, let alone finding young driver insurance! We’ll help you sift through multiple motor vehicle insurance policies from top UK insurance providers in just a few clicks.
We cater to the unique needs of young drivers and will find you competitive young driver insurance policies that won’t break the bank.
Use the 100% free, online comparison tool today.
Why Do You Need Young Driver Insurance?
You need young driver insurance if:
- You’re between the ages of 17 and 24
- Have just passed your driving test
- Own an unmodified car (in a low insurance group bracket)
- Plan to drive a car on the road
- Happy to have black box technology installed (to help lower premiums)
It’s a legal requirement for anyone who drives on UK roads to have car insurance. Insurance for young drivers is exactly what the name suggests: Car insurance for young individuals.
Unfortunately, young and new drivers have higher premiums as statistically you’re considered “higher risk”- being new on the road and all. Your level of driving experience and age are the main reasons for higher insurance prices.
Luckily, car insurance for young drivers is the way to remain compliant and a comprehensive cover plan will pay out even if you’re at fault.
What Does Young Driver Insurance Cover?
Insurance for young drivers covers everything a standard car insurance policy for older drivers would include, such as third-party only, third-party fire and theft and fully comprehensive plans.
As with standard car insurance, there is no one-size-fits-all solution, even for younger drivers. You have the luxury of cherry-picking optional add-ons to your insurance plan if you wish, which we’ll touch more on in a moment.
What’s covered by young driver insurance is dictated by the level of cover you chose but generally includes:
- Accidental damages
- Third-party claims
- Breakdown assistance
What’s not covered
- Uninsured/unnamed drivers – you let a friend drive your car after a night out
- Damages caused when driving under the influence of alcohol or drugs
- Personal belongings
- General wear and tear on your vehicle – such as brake pads and tyres
- Not obeying traffic laws (e.g. reckless driving)
- Deliberate damage to your vehicle – such as vandalism by the owner
- Costs incurred due to negligence – leaving the keys in the ignition and the car being stolen
Fortunately, there are several young driver car insurance options to choose from.
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What Are The Types Of Young Driver Car Insurance?
Young drivers can choose from several types of insurance options, from black box insurance to temporary car insurance.
Let’s take a closer look:
Black box insurance
Black box technology or telematics car insurance uses a “black box” to monitor how well you drive on the road. It monitors how you brake, turn, and steer and the standard speed and distance in which you drive. From the data gathered, the insurance provider may offer you cheaper car insurance premiums.
Pay-as-you-go insurance for young drivers
This is also referred to as pay-per-hour or pay-per-mile insurance.
You may be able to find cheaper car insurance in the form of pay-as-you-go cover if you’re not planning on making a daily commute in your car or going on regular long-distance journeys.
Insurance companies will either use a GPS device to track how many hours or miles you drive or take a reading from your car’s odometer.
This pay-as-you-go option will work out cheaper, depending on where you live and what you use your car for.
For example:
- If you live in a quiet town or only have to make a short commute, pay-per-hour may work out cheaper.
- Pay-per-mile will probably be the most feasible option if you live in a busy city and have to make long commutes.
Named driver car insurance
If you’re planning on using your parent’s car or another vehicle that does not belong to you, you could get the owner of the car to include you as a ‘named driver’. With named driver insurance, the additional driver receives the same level of cover as the main driver and is free to drive the car at any time.
An insurance provider may offer you a cheap named driver premium as they know that it won’t be you driving the vehicle at all times – particularly if the other driver is responsible with years of driving experience.
However, named driver insurance could work out badly for the main driver. If you get in an accident that proves to be your fault, the car owner’s no-claims bonus will be affected.
Learner driver car insurance
If you’re using someone’s car to learn how to drive, a learner driver car insurance policy will give you separate cover from the car owner’s insurance. Meaning if you’re in an accident, their no-claims discount bonus remains unaffected.
Temporary car insurance
Also called, short-term insurance for young drivers, this policy is calculated on how often you use your vehicle. Every short-term insurance premium is different and could cover you for months, weeks, days or even a couple of hours.
If you’re not planning on using your car every month of the year, you can find cheap car insurance quotes for short-term car insurance. As the name implies, you can arrange with the provider the length of time you wish to be covered, and they will lower the price to a fair amount.
Student car insurance
Similar to car insurance for young drivers, student car insurance is aimed at students (hence the name) aged between 18 and 25.
What Levels Of Young Driver Car Insurance Can You Get?
The three levels of vehicle insurance available for younger drivers are just like regular motor vehicle insurance:
Young drivers must have at least third-party only (TPO) cover.
Third-party only (TPO)
- The most basic level of cover
- The minimum legal requirement needed to drive on UK roads
- Protects you against third-party claims if you injure someone or damage their property or vehicles while driving
- Will not pay out for repair or replacement costs to your own ca
Third-party, fire and theft (TPFT)
- A middle ground level of ground
- Includes basic TPO cover
- Will compensate you if your vehicles are damaged by fire or are stolen
- Will not pay out for repair or replacement costs to your own car if you’re in an accident
Fully comprehensive insurance
- Offers the most comprehensive motorcar cover
- Includes TPO and TPFT
- Will compensate for repair costs to your vehicle(s) – even if you are at fault
- Will compensate for medical expenses if you’re involved in an accident
- May include windscreen protection, legal cover, key replacement and wrong fuel type cover – check details with your insurer
Note: Depending on the insurance provider, comprehensive cover may be the only option offered to young drivers.
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Which Add-Ons Are Available For Young Driver Insurance Policies?
There are many additional policies young drivers can add to their insurance policies in the UK and they are no different to the extras available for older drivers.
Breakdown cover
is a lifesaver if your car breaks down. It covers getting your vehicle picked up by towing services and roadside repairs.
Courtesy car cover
provides you with a courtesy car when your vehicle is in for repairs.
Excess protection
is an add-on that reimburses you for some of (or all) of the excess you pay when making a claim. This is particularly helpful seeing that insurance for young drivers is so expensive.
No claims discount protection
is handy to have. If you’re involved in an accident, you could retain your no-claims discount level by investing in this policy.
Legal expense cover
covers the legal costs of recovering compensation from the other drivers’ insurance company if you’re in an accident that is not your fault.
Personal accident cover
provides financial protection in case you sustain injuries following an accident.
EU cover
is available if you frequently travel across the UK border.
Any driver cover
allows anyone (with a valid licence) to drive your vehicle.
Windscreen cover
pays for repair or replacement of damaged/broken windscreens. This may be included in fully comprehensive insurance but is usually available as an add-on for TPO and TPFT.
Car key cover
can be added to your policy and covers the cost of replacing lost keys.
Guaranteed asset protection (GAP) cover
covers the outstanding finance you owe on your car if it is written off (i.e. declared a total loss) after an accident.
Car modification insurance
for young drivers gives you peace of mind knowing any modifications done to your vehicle (e.g. sound system, alloys, etc.) are covered over and above your standard policy.
Related Insurance
How Much Does Young Driver Insurance Cost?
Prices for car insurance for young drivers vary between insurance providers and are based on several factors such as your age, your UK location and the level of cover you opt for.
Here are a few examples (per annum):
Note: Some insurance premiums may even reach up to £2,116.
| Insurance Type | Annual Cost (£) |
|---|---|
| Third Party Only (TPO) | £848 |
| Third Party, Fire and Theft (TPFT) | £945 |
| Comprehensive | £873 |
Average Cost of Car Insurance by Age
| Age Group | Average Annual Cost (£) |
|---|---|
| 17 years old | £1612 |
| 18 years old | £1845 |
| 19 years old | £1709 |
| Note: Some insurance premiums may even reach up to | £2116 |
Which factors impact your insurance costs?
- Young drivers’ age – the younger you are, the higher the premium
- Type of vehicle – make, model, replacement value
- Where you live in the UK – higher crime areas tend to have higher premiums
- Annual mileage – the more time spent on the road will increase the price
- Your driving history – convictions/licence points will spike your premiums
- The level of cover chosen – TPO, TPFT or comprehensive
- Optional extras chosen – each add-on selected increases the insurance price
- Vehicle security features – cars parked in locked garages have lower premiums
Luckily, there are ways to save money on your premiums. Let’s see how.
How Can You Get Cheap Car Insurance Premiums??
Getting the cheapest car insurance involves taking a proactive approach to your driving. The more responsible you are, the less likely that you will be involved in an accident, making you favoured by insurance companies.
Here are a few ways younger drivers can get cheaper car insurance rates:
- Compare quotes – using SimplyQuote’s comparison tool – from a variety of UK insurance providers
- Pay an annual premium as opposed to monthly instalments
- Avoid modifications
- Opt for higher excess amounts
- Start building your no-claims discount (keep claims to a minimum)
- Opt for black-box technology
- Limit your mileage
- Add experienced drivers to your policy
- Consider driving cheaper vehicles (in a lower insurance group)
- Make sure vehicles are safe and secure
- Be a responsible and safe driver at all times
How To Compare Young Driver Car Insurance Quotes At SimplyQuote.co.uk
Comparing and finding cheap car insurance for young drivers with SimplyQuote is quick and easy:
Fill in the online form
Provide your personal and vehicle details online.
Choose policy extras
Choose which additional cover you want to include.
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We make price comparison easy with our filter options, meaning you can narrow your search to the insurance premiums that meet your needs.
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Frequently Asked Questions
Insurance for young drivers is a type of car insurance policy specifically designed for drivers under the age of 25 in the UK.
The cheapest cars to insure are:
- Fiat Panda = £598
- Volkswagen Up! = £613
- Skoda Citigo = £628
- Peugeot 107 = £640
Please note, that these prices are estimates and may vary between different insurance groups.
The cheapest car insurance is generally between the ages of 35 and 55. Younger drivers are statistically prone to be involved in more motorcar accidents when compared to older, more experienced drivers.