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We appreciate that questions about comparing car insurance prices can be boring to ask, but remember, they can be thought.
So, we’ve compiled a range of simple answers to frequently thought questions, with regards to finding cheap younger driver quotes.
This should not be constructed as advice and is guidance only.
What types of insurance are available for young drivers?
Third party car insurance is the minimum level of insurance required by law, followed by third party fire and theft (TPF&T), which offers you more protection for your vehicle, and finally fully comprehensive car insurance, which is the most extensive level of cover.
It’s important to compare the different levels of cover available; fully comprehensive insurance is not always the most expensive option, contrary to what you may have heard. Prices have actually now changed, because third party and TPF&T was becoming the reflex choice for risky drivers, looking to save money. This then prompted insurance companies to raise the price of these policies.
Why is young drivers car insurance so expensive?
The main reason car insurance is so expensive for young drivers is the risk it involves for insurers. Statistics actually prove that young drivers are more likely to be involved in road accidents than drivers over the age of 25, with insurance premiums calculated to reflect these statistics.
AA research highlights that one in eight British drivers is aged 25 and under, with a quarter of all drivers within this age group being involved in a serious traffic collision.
As well as being more likely to have an accident, young and new drivers often have to pay more for their car insurance because they haven’t had the chance to build up a no claims bonus over time.
What type of policy should I choose?
It’s a legal requirement to have some form of insurance on your car. However, when it comes to picking a policy type, there are a few different options to consider. The cost will vary, as will the level of protection the policy holder offers.
- Learner driver policy: If you’re still on a provisional licence and need to practice driving alongside private lessons, a learner driver policy can provide cover while you learn. See our learning to drive page for more information.
- Fully comprehensive policy: Although this can prove expensive for young and new drivers, it does offer the greatest level of protection and covers you from accidents, regardless of fault.
- Third-party: This is the minimum amount of cover you legally need to drive. It covers you in the event you cause damage to someone else’s property, but doesn’t cover repairs, theft or fire damage to your own car.
- Third-party, fire and theft (TPFT): As the name suggests, third-party fire and theft is an expanded level of cover that protects you against damage to someone else’s property, but also includes cover for your car against fire or theft.
- Black box or Telematics policy: Available from selected insurance providers, these policies involve fitting a small device to your car that monitors how well you drive. Once enough data has been monitored, it’s then used to calculate your insurance premium. These policies are particularly useful to new and young drivers.
The type of policy you choose may depend on your budget and the car you drive. It’s definitely worthwhile comparing the price of each policy type; there may be big differences in the cost of one policy type over another.
What car is cheaper for young drivers?
Many things can impact the cost of young driver insurance and one of the key factors will be the car itself.
Insurers place cars into individual insurance groups from 1 to 50. Typically, if the car is in group 1 it will be amongst the cheapest to insure, whereas 50 will be the most expensive.
Cars are rated on the following factors:
- How quickly the car accelerates and its top speed
- The value of the car, as new
- The security features the car has
- How much it costs and how long it takes to fix if the car is damaged or broken
- How much the individual car parts cost
What details do I need to get a car insurance quote?
When you search for car insurance quotes, you’ll be asked all sorts of questions about you and your car. For instance, you’ll be asked about your car’s make, model and age, as well as details of your age, where you live, and the type of job you do. You’ll also be asked about how you use the car; whether or not you commute to work in it, use it for business purposes or just for pleasure.
You should always be aware of how many years of no claims discount you have; you’ll need proof of this if you are switching insurance provider. Be prepared to answer questions about your driving history too. It’s crucial you are honest about any driving convictions you have because if you’re not, you could end up invalidating your policy.