Young driver insurance

Once you’ve passed your driving test and purchased your first car, you’ll need to arrange car insurance to ensure you’re protected on the road, and to meet the minimum legal requirements.

However, due to lack of driving experience car insurance can sometimes be expensive for young and new drivers. That’s why we offer a range of products for young drivers that’ll help keep your costs down while you build up your No Claims Bonus!

You may have had learner driver insurance in place prior to your test so you could practice in a friend or parent’s car, but it’s important to remember that this policy will be void as soon as you have a full UK licence.

If you own a car that you’re planning to drive (once you’ve passed your test) then it’s a legal requirement to have a minimum of third party car insurance in place.

If you don’t own a car, it is possible to be added as a named driver to a friend or parents’ car insurance policy – however, this can be an expensive option and could affect the car owners’ No Claims Bonus should you have an accident.

No two drivers are the same. That’s why we make our policies flexible, with a range of young driver car insurance add-ons to choose from, including:

RAC breakdown cover

Save on breakdown cover from the RAC at discounted student prices. Each cover option will fix your car at the roadside if you are over a quarter of a mile away from home, or take you to a nearby garage. There are no call-out or mileage charges.

If you've never broken down before and you're not sure what to expect, find out more about what to do if you breakdown.

Legal expenses

If you have an accident that’s not your fault, this cover will provide up to £100,000 for legal representation for you and all named drivers on your policy to pursue recovery of costs not covered by your car insurance from the other driver. You'll also receive help to defend your legal rights if an accident leads to a motoring offence.

Excess protection

This covers the reimbursement of a policy excess you have to pay following an accident, although please note that windscreen excesses are not included. You can claim as many times as required up to your chosen coverage limit of either £300, £500 or £750 for each excess paid.

What is an excess?

Key cover

This cover provides up to £2,500 for replacing locks and keys for your car, home and office, including locksmith charges. You’ll also receive up to three days of emergency car hire or the option to reclaim the cost of onward transport if your car keys are lost or stolen.

Enhanced personal accident cover

If you're injured in an accident, you may be left unable to work - either while you recover or permanently, dependent on the severity of your injuries. Enhanced personal accident cover will provide a specified lump sum which may provide immediate security in assisting with bills, medical costs and other expenses that may be incurred.

Hire car cover

If your car is written-off or stolen and not recovered, this cover will provide you with a car to use anywhere in the UK for up to 21 days. All named drivers on your policy aged between 18-79 (with a full UK licence) will be able to use this car and you will be covered for up to two claims per policy.

It’s not always easy to find cheap car insurance for new drivers, but there are some easy ways to keep costs down. Here are some of our top tips:

• Think carefully about what car you choose

Cheaper cars bring smaller insurance premiums, so think carefully about what car you choose when you first pass your test. Modifications and engine size can also affect the cost of your new driver insurance.

• Increase your voluntary excess

Increasing your voluntary excess can bring down your premium – but remember that this amount will be combined with your compulsory excess, so you’ll just want to make sure you’d be able to comfortably afford this in the event of a claim.

• Would temporary car insurance do the trick?

If you only need to get covered on a friend or parents’ car for a couple of weeks, you may only need temporary car insurance.

• Consider black box insurance

Black box insurance rewards you with regular discounts off your insurance price, just for driving well. Not only that, but your driving score counts towards getting you a great renewal price, so you can carry on saving on your car insurance.

Find out more about black box insurance.