Discover freedom with new driver insurance

MyFirstUK specialises in helping inexperienced drivers discover their independence.

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What is new driver insurance?

This type of insurance helps first-time drivers get on the road. Whether you’re a young driver just discovering your independence, or an older driver who’s recently passed your test, MyFirstUK have a range of policies to suit your situation.

Under 26? Check out our young driver insurance guide!

How it works

  • Speak with an expert: MyFirstUK specialise in new driver insurance.
  • Select your options: Get the best policy based on your needs.
  • Start your journey: You can drive into the sunset the same day.

Types of new driver insurance

1. Third party only

This covers you for any injury or damage caused to other people and their property.

2. Third party fire and theft

This takes ‘third party only’ and adds cover in the event your car is stolen or damaged by fire.

3. Comprehensive

This covers ‘third party fire and theft’ plus any damage you accidentally do to your own car.

How much new drivers pay

The cost of premiums for first-time drivers is dependent on the age of the driver. If you’re over 25 then you’ll typically pay a lot less than younger drivers. That’s not just great news, it’s recognition that life experience makes for safer drivers.

How to get cheaper new driver insurance

Extra security

Keeping your car in a garage overnight can bring your premium down. Installing an alarm, tracking device, or immobiliser could too.

Minimise your mileage

It might seem obvious but the less you’re on the road, the less likely you are to be in an accident. By only driving when it would be inconvenient not to do so, insurers will lower your premium.

Opt-in for higher excess

If you’re confident of not having to make a claim, a higher voluntary excess can save a lot of money. This is great if you intend to drive in quieter areas, where you’re less likely to experience any bumps.

Build your no claims bonus

Not claiming on your insurance in the first year can dramatically reduce your premium in the second. This saving increases with each year you don’t lodge a claim.

Don’t auto renew

Prices, policies and your own circumstances change. When you come to the end of your cover, talk to your account manager about how you can save money.

Pay annually

Monthly payments may seem appealing at first, but they’ll end up costing you more in the long run. A lump annual payment will save you money.

What you get with MyFirstUK new driver insurance

  • Specialist new driver insurance: You choose from a range of customised policies.
  • Instant no claims growth: You start saving as soon as you hit the road.
  • Complete understanding: You won't be penalised for honest mistakes.

Common Questions

Should I get temporary insurance?

Temporary insurance is great for experienced drivers who either drive very infrequently or want to drive someone else’s car for a few hours or a couple of days. It’s less effective for new drivers who want to drive regularly.

What if I get a new car?

No problem. Most insurers will simply adjust your premium to reflect your new car’s insurance band and the new circumstances under which you’ll be driving it.

Is it worth getting a black box?

It will always depend on your situation, but if you’re a safe driver looking to save money on your premium then telematics policies are very attractive.

How do dashcam policies work?

Dashboard cameras are like CCTV. If something happens, you can use the video they capture to prove your innocence. This reduces risk and makes these policies cheaper.

Does comprehensive insurance cover wear and tear?

No. Wear and tear is considered part of the cost of owning a car. In any case, your no claims bonus is worth a lot more than the repair cost for minor bumps and blemishes.