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Car Insurance Questions Uk – Journalism powered by our readers We may receive a commission when you make a purchase through a link on our site Why trust us?
Whether you’re buying your first car or looking to borrow someone else’s, you need car insurance if you’ve passed your practical driving test.
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Unfortunately, new driver insurance can be very expensive due to a lack of driving experience. But having cover in your name will qualify you for a No Claims Bonus (NCB), which means you can get cheaper car insurance in the future.
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New driver insurance – ideal car insurance for people who have passed their driving test New drivers can apply for standard car insurance or special products designed for new or young drivers, such as telematics policies or toll cover.
No matter what type of car insurance you choose, it’s important to understand the different levels of coverage and what each one includes.
Finding affordable insurance for new drivers can be difficult This is because young or novice drivers are statistically more likely to get into accidents due to their lack of driving experience.
However, when the same driver turns 18 and has a year of driving behind them, it drops 57% to $32,329.94.
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As you gain experience, your car insurance premiums will decrease, and if you accumulate a no-claims bonus at the same time, it will be cheaper.
How much new drivers pay for car insurance will depend on a number of factors, with age at the top of the list For example, a new driver policy costs £7,813.51 for a 17-year-old and £615.73 for a 27-year-old.
Some cars are more expensive to insure than others, so it’s a good idea to check the prices of different cars before buying a used or new car. (Adobe)
We’ve put together our best tips on how to try and keep your cover costs down and get cheap car insurance for new drivers.
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When your car insurance policy expires for a year, your insurer will send you a renewal fee, but you don’t have to accept it. In fact, we recommend not automatically renewing your car insurance if you can help it Instead, compare prices elsewhere and show you have NCB if you still have reserves
It’s best to buy car insurance three to four weeks before your renewal date – research shows that drivers who leave their insurance before the renewal date are likely to pay more.
Use a price comparison site to compare new driver insurance from different insurers Premiums for new drivers can vary, as some insurers want to attract these customers and others deliberately cut themselves out of the market.
When buying your first car, find out which insurance group it belongs to. All car insurance is divided into groups – the more powerful and expensive your car, the higher the insurance group and the more you pay. Cars such as Fiat Panda, Ford Ka Plus or Nissan Micra are included in the group and are cheaper to insure. If buying an old or used car, the insurance premium may be lower due to the lower value of the car. However, this does not apply at all
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The excess on your policy is the amount you have to pay on any claims All policies are necessarily excess; Adding a voluntary excess can also reduce your premium, but you can afford to pay it comfortably in the event of a claim.
If possible, it is better to pay for car insurance once a year Many insurers offer monthly payment, but it is more expensive
As a new driver, you can add a person with driving experience as a driver to reduce the gate price Because this shows the provider that you are not always behind the wheel as a dangerous driver
We found that on average you can save 10.24 percent on your policy by adding an older driver.
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The biggest savings came from a 19-year-old new driver who saved 17.61 percent by adding his parents as drivers.
When buying car insurance, you need to specify the annual mileage. It can be difficult for a novice driver to estimate this figure, but remember that less traffic means less chance of an accident and, in turn, lower premiums.
Insurers don’t like modifications like spoilers and tinted windows – these modifications to your car will lead to higher premiums.
Having an immobilizer or tracker on your car can lower your insurance premiums because it is less likely to be stolen and more likely to be recovered. Rock cameras can be useful in proving what happened in the event of an accident
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Building up a no-claims bonus is important for new drivers – you can do this by driving carefully and making no claims on your policy. NCB guarantees a discount on your premium at the time of renewal, but remember that many factors affect the price. Having a clear license will also help, as speeding and motoring means more insurance premiums
This is an advanced driving course that teaches drivers to improve their skills and drive safely.After completing the PassPlus program and obtaining your PassPlus certificate, you may be eligible for a discount from some insurers.
New driver insurance is generally more expensive than regular driver insurance Learner drivers with provisional licenses always drive under supervision, which means they carry less risk for insurers.
New drivers who have passed their test can drive independently, but lack of experience puts this group at risk of underwriting. For example, according to the Association of British Insurance (ABI), drivers aged 17 to 24 hold 7% of UK licenses and drive fewer miles than average, but this age group is involved in 24% of all fatal collisions.
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This means that young drivers, who make up the largest proportion of new drivers, will be hit hardest by rising car insurance costs. The latest figures from Consumer Intelligence show that by February 2024, premiums for under-25s will increase by 66.9 per cent, compared to 49 per cent for drivers over 50.
As a new driver, you don’t need to take out an annual car insurance policy. There are several specialized options that can save you money or meet your needs:
With a telematic or black car insurance policy, the insurer will monitor your driving habits using a device installed in your car. Drive better and pay less
New drivers can reduce premiums by, for example, being the senior driver (ie one or both) on the policy. However, it is important to be honest about who is driving the car – lying to get a lower premium is considered lying and is illegal.
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If you plan to drive for a short period of time and borrow someone else’s car, you may want to consider temporary car insurance. This will allow you to get insurance from hours to months Most importantly, if you get into an accident, it will not affect the unnecessary car owner bonus.
This type of policy, sometimes called mileage insurance, pays a set insurance rate for every mile you drive. Your distance is measured by the telematics device in the car Premium car insurance can sometimes be a good deal for drivers, but can be expensive if you need to extend your journey.
If you drive less than 6,000-7,500 miles per year, as an alternative to per-mile insurance, you may want to consider a low-mileage car insurance policy. These policies are usually cheaper than standard coverage because it means you’re on the road less, so the risk of an accident is lower.
“You should consider getting a telematics policy where the insurer puts a box in your car. If you drive smart, you should start to see some financial rewards. If you plan to drive occasionally, it may make sense to skip the annual policy.’ This is called a “confrontation” and can void your insurance if the insurer finds out
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What a new driver’s car insurance policy covers Some of the items below will be included as standard in your new motorist insurance policy, while others may be included at an additional cost.
When choosing
