A simples guide

So you’ve passed your test!

Perhaps you’re one of the 176,000 people who passed their driving test between October and December 2015. If you are, our congratulations!


Given only 47% of people pass their test first time, you were probably feeling some immense relief just after the test. Once that feeling subsided, we’re sure that the excitement of your new found freedom will have kicked in.


There is no question that being able to drive is liberating and exciting. If you’re now taking to the roads, you are of course going to need to buy some car insurance for the first time.


We recognise that insurance for new drivers can be an expensive business. That’s why we want to help you find the best cheap car insurance policy for you.

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Why is cover so expensive?

Young drivers and older drivers, who have recently passed their test are particularly vulnerable to an accident. In fact almost a quarter of all 18 to 24 years olds have a crash inside the first two years of driving.

Drivers aged 17-19 might only make up 1.5% of UK licence holders but they are involved in 12% of fatal and serious crashes.

Of course this isn’t your fault as a new driver, and you’ve had no opportunity to build up the no claims bonuses which will help you reduce your car insurance later in life. So what practically can you do to reduce the costs of your insurance?

Practical tips for new driver insurance 

Well the good news is there are a number of things you can do.

1) Compare

There are so many insurers out there, you don’t want to just go with the first quote you find. It’s easier than ever to compare insurers – why not get a quote with us and compare hundreds of premiums in seconds to see if you can get a better deal. 

2) The value and type of car

The car you have and how much it costs can affect the premium. If your first car is new, high powered or a luxury model, you are likely to have a high premium.

While a standard model with a smaller engine might not be quite what you wanted, it could save you money on your car insurance until you’ve built up your NCD and increased in age and experience. 

3) Excess

In insurance speak, your policy compulsory excess (young driver excess or inexperienced driver excess) means the amount of money that you would need to pay in the event of an accident before your insurance policy kicks in, and this is set by the insurer.

Then there’s voluntary excess that you can choose to pay on top of this. You might think that this is a number that you want to keep as small as possible in your policy. However, increasing your excess from the minimum amount to one that you can still afford, could help to reduce your premium.

4) Coverage with other drivers or policies

If you’re a new driver and share the vehicle with a more experienced one, adding this second driver might save you money. Even an occasional experienced extra driver with a good record could make a difference.

Just make sure you don’t put forward the other person as the main driver if that isn’t the reality.

This is known as ‘fronting’, which is a type of fraud and, at the very least, could invalidate your policy.

5) Security

Insurers love any extra security measures you can take to protect your car. Things like an immobiliser can help to reduce your premium as you’re reducing the risk of the car being stolen and a claim being made.

6) Modifying your car

While you think that new stereo system or spoiler is a necessary addition to your car, your insurer won’t. Insurers may refuse to insure a car with modifications and those that will may charge a significantly higher premium. Make sure you weigh up whether those additions are worth it.

7) Restrict how much you drive

Limiting the amount of time you’re on the road obviously reduces your risk and with it, your premium. Most insurers will ask you for a mileage limit, so set this as low as you think you can comfortably achieve – just make sure you tell the truth to avoid an invalidated policy.

8) Drive well

Good driving can stand you in good stead. Speeding or incurring points on your licence can mean your premiums increase too. If you do get points though, it’s important you tell the insurer as they could affect your premium, you might void your cover if you don’t keep them informed. 


Could telematics work for me?

Telematics insurance is there to reward good driving. This is also known as black box insurance whereby a gadget is placed in the car or you download an app to your phone to tell your insurer how you’re driving. If you drive well, you could get a lower premium. Just be sure you look into all the costs associated with such a policy as some insurers do charge to remove the black box should you cancel the policy or sell the car.


We know, as a new driver insuring your vehicle can be expensive. To save some money start comparing today. 

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