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Save up to £420* with the new driver specialists

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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, Midrive has a range of policies to suit your situation.

Under 26? Check out the young driver insurance guide!

*Based on Consumer Intelligence car insurance price index June, 2019.

What you get with Midrive

Quick quotes

Insurance experts will find a policy tailored to your needs in minutes.

Competitive cover

Affordable cover specifically for new drivers.

Instant no claims

Start saving as soon as you hit the road.

Types of new driver insurance

There are three types of cover to choose from. Experts will assess what type is best for you when your policy is set up.

Third party only

Covers you for injury caused to other people and damage caused to their property

Third party fire and theft

Like ‘third party only’ but adds cover in case your car is stolen or damaged by fire


The same as ‘third party fire and theft’ but also covers you for damage you do to your own car

cover type

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 less than younger drivers. That’s not just great news, it’s recognition that life experience makes for safer drivers.

How to get lower cost new driver insurance

Extra security

Keeping your car in a garage overnight can help 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 are likely to lower your premium.

Opt-in for higher excess

If you’re confident of not having to make a claim, a higher voluntary excess can reduce your premium. 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 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 may reduce your premium.

How it works


Talk to an expert

Get tailored advice from the new driver insurance specialists.


Choose a great deal

Get a great policy based on your needs.


Start your journey

You're covered instantly, for wherever the road takes you.

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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.