Young driver insurance is for people who are under 25 looking to find their freedom.
*Based on Consumer Intelligence car insurance price index June, 2019.
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There are three types of cover to choose from. Experts will assess what type suits you when your policy is set up.
Covers you for injury caused to other people and damage caused to their property
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
It’s an unfortunate statistic that a quarter of all 18-24 year-olds crash within the first two years of passing their test. While that’s something we’re trying to change, it’s this higher level risk that insurers base their prices on. The good news is that every year of life experience will likely reduce your premium.
The more expensive and powerful the car you drive is, the more it will cost to insure.
Your car will be cheaper to insure if it’s kept in a garage at night. Fitting it with an immobiliser, an alarm, or a tracking device could help too.
Telematics policies give you the chance to prove you’re a good driver. This reduces your risk to insurers and, in turn, your premium.
Having a dash cam installed can prove your innocence if you’re involved in an accident. It not only protects your no claims bonus, but can reduce the cost of your policy.
Having another, more experienced driver on your policy could reduce your premium. Don’t try to ‘front’ them as the primary driver, though. That’s fraud.
Buying your insurance online will typically get you a lower price than walking into a branch. They don’t call it the high street for nothing!
Insurance experts search for a great policy.
Tailor your options to drive down your premium.
Drive away and start saving on your insurance.
Temporary insurance is a type of policy designed to cover drivers for very short periods of time when they use someone else’s car. It is, generally speaking, not cost-effective for young drivers who want to drive regularly.
Of course! Just talk to your account manager and they’ll help you update your policy based on your new car’s insurance band and any new driving circumstances. Congratulations, by the way.
Black boxes are small electronic devices fitted to your car that contain a GPS tracker and an accelerometer. They monitor the roads you drive on, as well as your accelerating, braking, and cornering habits. ‘Telematics’ policies reduce your premium and let you prove you’re a good driver.
Possibly. Policies with dashboard cameras are attractive because they allow you to prove your innocence if you’re involved in an accident caused by someone else. They also grant you savings on your premium.
Comprehensive insurance covers a lot of things: third party injury and damage, fire and theft, even damage you do to your own car. It doesn’t cover wear and tear, however. That’s just part of the cost of owning a car.