How to Insure a New Driver

You might think of a new driver as being a youngster who has just passed their test, but there are new drivers of all…

You might think of a new driver as being a youngster who has just passed their test, but there are new drivers of all ages and backgrounds. In the UK, anyone who has recently started driving, or who has been driving for a while but has never had their own insurance policy, is classed as a new driver.

As a new driver, you might be feeling excited about getting out on the open road and exploring all that Britain has to offer. But before you can do that, you need to make sure you’re properly insured.

 

Is insurance for new drivers expensive?

Insurance for new drivers can be expensive, but there are a few things you can do to keep the cost down. The first and most important thing is to shop around. There are lots of different insurance companies out there, so it’s worth taking the time to find one that offers a good deal for new drivers.

It’s also a good idea to build up your no claims bonus as quickly as possible. This is a discount that you get for every year you don’t make a claim on your insurance policy. The more years you go without making a claim, the bigger the discount will be.

 

What kind of insurance do I need?

The kind of insurance you need will depend on a few different things, including how much you drive and what kind of car you have. If you only use your car for occasional short journeys, then you might want to consider third party only insurance. This is the cheapest type of insurance, but it doesn’t cover you for any damage to your own car.

If you use your car for more than just the occasional journey, then third party, fire and theft insurance might be a better option. This covers you for any damage caused by fire or theft, as well as any damage you cause to other people’s property.

Comprehensive insurance is the most expensive option, but it’s also the one that gives you the most cover. As well as covering you for fire and theft, it also covers you for any damage caused by weather, animals or vandalism. It’s a good idea to get comprehensive insurance if your car is new or valuable.

Woman in car smiling

Do new drivers have more accidents?

There is a lot of research that shows new drivers are more likely to have an accident than experienced drivers. This is one of the reasons why insurance for new drivers can be so expensive.

One way to help offset the cost of your insurance is to take a Pass Plus driving course. This is a government-recognised course that can make you a safer driver and could lead to a discount on your insurance premium.

 

How many new drivers take to the roads in Britain every year?

There are around 1.5 million new drivers in Britain every year. This includes people who have just passed their driving test, as well as those who have never had their own insurance policy before. The age bracket of many of these drivers is 17-24. However, there are new drivers of all ages and backgrounds.

 

What do new drivers need to be aware of when looking for insurance?

When insuring a new driver, it’s important to consider the following:

  • The size of the engine. A bigger engine will usually mean higher insurance premiums.
  • The car’s value. A more expensive car will also usually mean higher insurance premiums.
  • The driver’s age and experience. Younger, less experienced drivers will usually pay more for their insurance.
  • The driver’s gender. In the UK, male drivers under the age of 25 are considered to be a higher risk than female drivers and will therefore pay more for their insurance.
  • The driver’s occupation. Some occupations are considered to be higher risk than others, and this can affect the cost of insurance.
  • The driver’s address. Where you live can also affect the cost of your insurance, as some areas are considered to be higher risk than others.
  • The car’s security. Things like fitted alarms and immobilisers can help to reduce the cost of insurance.
  • The amount of cover required. The more cover you need, the more it will cost

It’s also worth bearing in mind that the cheapest insurance policy might not always be the best. It’s important to read the small print and make sure that you’re getting the right level of cover for your needs.

 

How do I get started?

The best way to get started is to compare insurance quotes from a few different companies. This will give you an idea of how much you can expect to pay for your insurance, and it will also help you find the policy that’s right for you.

 

Are you a young driver looking for competitive quotes for your insurance? Fill out our form today and you’ll be put in touch with a panel of dedicated brokers who specialise in young driver insurance.