Everything you need to know about first time driver insurance
Before you take to the roads for the first time after passing your driving test, make it a priority to get a great deal on your new driver car insurance. Not sure where to start? You’ve come to the right place. Because we recognise that insurance for new drivers can be an expensive business, we want to help you potentially save money and find a deal that’s right for you.
Frequently asked questions
Why is car insurance for new drivers so expensive?
While driving experience plays a role in the cost of car insurance for new drivers, even more important is the fact that most new drivers are young drivers between the ages of 18 to 24 years old. Statistics show that new drivers under 25 who’ve recently passed their test are more likely to be involved in an accident. In fact, almost a quarter of all under 25s have a crash inside the first two years of driving. And drivers aged 17-19 might only make up 1.5% of UK licence holders, but they’re involved in 9% 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 that could help you reduce the cost of your car insurance later in life. The good news is there are ways to reduce the cost of your insurance, even as a first-time applicant.
Is a higher voluntary excess better?
If you want to reduce your car insurance premium, then yes, a higher voluntary excess can help. However, if you make a claim, you will pay more.
What’s the difference between compulsory and voluntary excess?
In insurance speak, the compulsory excess on a policy is the amount of money you’ll need to pay when you make a claim in the future. It’s set by the insurance provider.
Then there’s the voluntary excess in addition to this, which you can set yourself. Increasing your excess to an amount that you can still afford could help to reduce your premium. But remember, if you do need to make a claim, you’ll have to pay the compulsory and the voluntary excesses together – so make sure you can afford the total.
Will adding another driver to my policy reduce the cost?
If you’re a new driver and share the vehicle with a more experienced one, adding this second driver as a named driver might save you money. Because you’ll be spending less time in the car, your insurance provider could reduce your premium as you’ll have less chance of having an accident. Even an experienced driver with a good record who only drives your car occasionally 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 insurance fraud and, at the very least, could invalidate your policy.
How to get cheaper car insurance as a new driver?
As a new driver, you could reduce the cost of your car insurance. Here’s how:
- compare car insurance quotes – you’ll have a good chance of finding a great deal that suits your needs if you compare car insurance quotes for new drivers from a number of different insurance providers. Luckily, comparing quotes with Compare the Market is fast and easy.
- choose your car with care – while you might dream of owning a high-powered car, your insurance premium will probably be more affordable if you opt for a standard car with a smaller engine. For more information see cheapest cars to insure
- take an advanced driving course – Pass Plus is a short course that you take after your driving test. It aims to help with those areas of your driving that might not have been covered in your lessons, such as driving at night, motorway driving and all-weather driving. If you successfully complete the course, some insurance providers may offer cheaper car insurance
- consider a black box policy – telematics insurance uses clever technology to inform your insurance provider how you drive. A small device is fitted to your car, or sometimes you download an app to your phone, which measures when, where and how you drive. Your provider then uses this information to accurately calculate or adjust your premium. Drive safely and the reward could be cheaper car insurance
- steer clear of modifications – try to avoid adding unnecessary modifications to your car, such as alloy wheels or a spoiler. Even the slightest modification could bump up your premium. Some insurance providers may even refuse to insure you
- increase your car’s security – if you reduce the risk of your car being stolen, by fitting an immobiliser or alarm for example, your insurance provider may offer you cheaper cover. Just bear in mind that you may have to speak directly with your insurance provider to get this saving
Why compare first time driver insurance with Compare the Market?
We independently compare a wide range of the UK’s insurance providers to provide new and young drivers with car insurance deals.
We’ll show you policies based on price, policy cover level, add-ons or annual or monthly payment terms – helping you compare policies based on your needs.