New Drivers Car Insurance
Cover for Newly Qualified Drivers
Just passed your test? Compare new driver car insurance from a panel of FCA-regulated UK insurers in one quick form. Find cover for newly qualified drivers, whether you have a black box option in mind or a traditional policy.
Get New Driver Quotes
Compare new driver car insurance quotes
Cover options vary by provider. Quotes are provided by a panel of FCA-regulated UK car insurance providers.
Get Multiple QuotesWhy compare new driver’s car insurance?
If you own a car in the UK, you’re legally required to have car insurance in place.
To make savings on new driver car insurance, have you considered breaking away from your traditional annual insurance policy and exploring pay-as-go or a monthly car insurance model?
How much is car insurance for a new Driver?
New drivers car insurance in the UK is more expensive than what an experienced driver would pay due to the risks involved. Fortunately, there are things the inexperienced driver can do to reduce the cost of their vehicle insurance.
If you are a young driver under 21 or even under 25, you will find it difficult to get cheap young driver insurance. The reason is that young drivers are statistically more likely to be involved in road accidents. In addition, the resulting claims are much higher than those of experienced older drivers. This leads to premiums that reflect the risk, resulting in much higher monthly costs.
The younger you are, the higher the premium. For example, a 17-year-old with a provisional license will pay more than a driver aged 18, 19, or 20. Long-term, aim to build up a good history of no claims to reduce the cost of young driver car insurance. While young female drivers are a lower risk than young male drivers, they still face higher premiums. This is unfair, and hopefully, it will change in the near future.
Who is classified as a new driver?
The insurance industry classifies all drivers under the age of 25 as new drivers. If you have never operated a vehicle before and just got your first driving licence independent of your age, you too are a new driver for at least the first 3 years.
What types of car insurance can a new driver get?
The policies for a new driver car insurance are the same as an experienced driver, except they cost more. The 3 levels of car insurance are as follows;
- Third party
- Third party fire and theft
- Comprehensive
Third party only covers the other person’s vehicle in terms of repairs and medical care when you are at fault in an accident. This is the minimum level of coverage required to be legal on the road in the UK. For many new drivers, this is not the lowest cost. Some young drivers take out a comprehensive policy and pay less on a premium than what the premium costs for a third party only policy. It is advisable to compare both price and different levels of coverage.
MultieQuoteTime Shares Tips on reducing the cost of new drivers’ car insurance
Insurance companies know the cost of their premiums is one factor in how drivers decide to choose them over their competition. To help keep them competitive, the key areas that new drivers can look into in order to reduce the cost of cover include:
The installation of a telemetric device or black box
1. The installation of a telemetric device or black box on the vehicle the new driver will operate is one way to help reduce the cost of the insurance premium. The data this device will collect and transmits back to the insurance company will show how the new driver operates the vehicle on the road. The data collected will include the following:
Increase the excess paid
2. Another path to reducing the cost of the premium for a new driver is to increase the excess paid when a claim is made. Excess is the amount the policyholder pays out of pocket towards the total cost of the bills in the claim being made.
Add experienced driver
By adding an experienced driver to the new driver’s insurance policy, the premium will be reduced. This experienced driver must drive the vehicle, even if only as an additional driver. Avoid fronting, as this is illegal and will invalidate your insurance.
Limit the number of miles travelled
By limiting the number of miles traveled, also known as pay-as-you-go car insurance, the risk of insuring the new driver is reduced. This is because the more time a new driver spends on the road, the higher the risk
Car insurance for young drivers under £1,000
Finding car insurance for a first-time driver under £1000 will require extensive research on how to reduce your risk in the eyes of the insurance provider. As mentioned, the black box can help with this. However, there is a reluctance among young drivers to go the black box route. Finding the best deal will also involve getting multiple quotes from UK brokers and comparing any deals currently on offer in the UK insurance marketplace. We can help by providing a range of quotes from a select panel of UK brokers.
What do I need to provide to get multiple new driver car insurance quotes?
Have the following information available to complete the online quote form
Frequently Asked Questions
Car insurance for new drivers is typically higher than for experienced drivers, because a new driver has no claims history and is statistically more likely to make a claim. Industry figures suggest newer and younger drivers can pay around 1,800 pounds a year on average, though costs vary widely by age, car, location and cover level. The only way to see what you would actually pay is to compare quotes for your own circumstances.
Insurers price on risk. A new driver has no track record of safe driving, and statistically newly qualified drivers have more accidents in their first year on the road. Your age, the insurance group of the car, where you live and your annual mileage all feed into the premium too. As you build a claim-free history, premiums often reduce over time.
A telematics or black box policy can suit new drivers because it prices partly on how you actually drive rather than on averages alone, so safe driving can be reflected in your premium or renewal with some providers. It is not the only route, and car insurance without a black box is also available. It is worth comparing both to see which works better for you.
Premiums often fall as you gain experience and build a no claims bonus, and many drivers see reductions through their early to mid twenties. There is no fixed age at which it drops automatically, since price depends on your overall risk profile, claims history and the cover you choose. Driving claim-free and keeping your details up to date both help.
Things that can help include choosing a car in a lower insurance group, building a no claims bonus, considering a telematics policy, adding an experienced named driver who genuinely uses the car, increasing your voluntary excess if you can comfortably afford it, and improving your car’s security. Never list someone who is not the real main driver as the main driver, as this is fronting and is insurance fraud.
Adding an experienced, lower-risk named driver who genuinely uses the car can sometimes reduce a new driver’s premium. The new driver must still be recorded correctly as the main driver if that is the case. Falsely naming an experienced driver as the main policyholder to cut the price, known as fronting, is fraud and can invalidate the policy and any claim.
Have your licence details, the car registration and your driving history ready, then compare quotes in one place. MultiQuoteTime provides access to a panel of FCA-regulated UK insurers, so you can compare cover levels and prices for new drivers, including black box and traditional options, and choose the policy that suits you.
