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Whether you’re buying your first car or looking to borrow someone else’s car, you’ll need car insurance if you’ve just passed your driving test.
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Unfortunately, insurance for a new driver can be very expensive due to their lack of driving experience. But having the cover in your name will allow you to build NCB, which means you can get cheaper car insurance in the future.
How To Get Cheap Car Insurance
New Driver Insurance is suitable car insurance for those who have recently passed their driving test. New drivers can look for standard car insurance or special products designed for new or young drivers, such as mobile phone plans or pay-as-you-go cover.
Whichever car insurance policy you choose, it’s important to understand the different levels of coverage, and what each one includes:
Finding cheap insurance can be difficult for new drivers. This is because young or new drivers are statistically at greater risk due to their lack of driving experience.
However, once that driver turns 18 and has a year’s driving experience, this drops by 57 per cent to £3,329.94.
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The more experience you gain, the lower your car insurance will be – and it will be even cheaper if you increase your no-claims premium at the same time.
How much new drivers will pay for car insurance will depend on several different factors, with age at the top of the list. For example, the cost of cover for a new driver drops from £7,813.51 for a 17-year-old to £1,615.73 for a 27-year-old.
Some cars are more expensive to insure than others, so it’s worth checking quotes from different cars before buying a used car or a new car. (adobe)
We’ve put together our best tips on how you can try to reduce the cost of your cover, and get the cheapest car insurance for new and existing drivers.
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When your car insurance is up for a year, your insurer will send you a renewal quote – but you don’t have to accept it. In fact, we highly recommend not automatically renewing your car insurance if you can help it. Instead, compare prices elsewhere and make sure you have the full NCB if you have here.
It’s best to buy car insurance about three or four weeks before your renewal – studies show that drivers who leave it until their insurance renewal date can pay more.
Use a price comparison site to compare the latest drivers insurance quotes from different insurers. Rates for new drivers can vary widely, as some insurers are interested in acquiring these customers, while others are deliberately selling themselves out of the market.
When buying your first car, check which group the insurance policy you want to buy belongs to. All cars are classified into insurance groups from one to 50 – the more powerful and expensive your car, the higher the insurance group and the more you will pay. Cars like the Fiat Panda, Ford Ka Plus or Nissan Micra are in Category 1, so they are the cheapest to insure. If an old or used car is purchased, the insurance premium may be lower due to the lower value of the car. However, this will not apply to the world.
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The premium for your policy is the amount you have to pay for each claim. All ideals are excessive; Adding an optional extra amount can also reduce your premium, but when advertising make sure it’s an amount you can comfortably afford.
If you can, it’s best to pay your car insurance at the same time every year. Most insurers offer the option of paying monthly, but this tends to be more expensive.
As a new driver, you can add someone with more driving experience as a designated driver to reduce the cost of your cover. This is because it signals to the provider that as a dangerous driver you won’t be driving forever.
We found that by adding an elderly driver, you can save an average of 10.24 per cent on your cover.
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The biggest gain went to the 19-year-old new driver, who saved 17.61 percent by adding his parents as the designated driver.
You must declare your annual mileage rate when you buy car insurance. Calculating this number can be difficult as a new driver, but remember that lower mileage means less risk, and, in turn, less money.
Insurers don’t like modifications, such as spoilers and tinted windows – these changes to your car will result in higher premiums.
Having an immobilizer or tracker in your car can lower your insurance rates because it is less likely to be stolen and more likely to be recovered if it does. Dash cams can be useful to confirm what happened in the event of an accident.
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It’s important that new drivers build up the no-claims bonus – you can do this by driving carefully and not making any claims on your policy. NCB guarantees a discount on your rate on renewal, but remember that many factors affect the rate. A clean license will also help, as speeding and driving penalties mean paying more for insurance.
It is a great driving course that teaches drivers to improve their skills and drive safely. Once you have completed Pass Plus and received your Pass Plus certificate, you will be eligible for discounts from some insurers.
New driver insurance usually costs more than learner driver insurance. Learner drivers with a provisional license always drive under supervision, meaning they do not pose a risk to insurers.
New drivers who have passed their test can drive alone – but their lack of experience means this demographic poses a higher insurance risk. For example, according to the Association of British Insurers (ABI), drivers aged 17 to 24 make up just 7 per cent of UK license holders and drive fewer miles than average, but this age group comprises 24 per cent of all drivers. Fatal accidents.
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This also means that young drivers – who make up the largest percentage of new drivers – are hit hardest by rising car insurance rates. New data from Consumer Intelligence shows that premiums for under 25s will increase by 66.9 per cent by February 2024, while premiums for drivers over 50 will increase by 49 per cent.
As a new driver you do not need to take out a standard annual car insurance plan. There are several professional options that can either save you money, or better suit your needs:
With a telematics car insurance system or black box, your insurer will monitor your driving behavior via a device in your car. Drive well and you’ll get cheap cover.
New drivers can reduce their car insurance premiums by adding an adult (for example, one or both of your parents) as a named driver to your policy. However, it is important to tell the truth about who is actually driving the car – lying to get cheap money is notorious and illegal.
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If you only need to drive for a short time and plan to borrow someone else’s car, you can take out temporary car insurance. With this you will be able to take insurance for a period of up to a few months. The important thing is that if you are involved in an accident, it will not have any effect on the car owner’s claim for a loan.
Sometimes called pay-per-mile insurance, this type of policy charges you insurance for every mile you drive. Your distance is measured by the telematics device installed in your car. Pay as you go Car insurance can prove to be good value for occasional drivers, but it can be expensive if you need to increase your mileage.
As an alternative to pay-per-mile insurance, if you drive less than 6,000 to 7,500 miles per year, you may want to consider low mileage car insurance. These policies are usually cheaper than standard cover because it means you’re on the road for less, so there’s less risk.
“It might be worth considering taking out a telematics policy, where the insurer puts a box in your car to track your driving, you should start getting financial rewards for it It might be worth avoiding an annual policy altogether. Newer types of insurers also offer day and hour protection. Don’t identify you as the senior driver on the policy This is called “fronting” and may void your insurance if the insurer finds out.
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Car insurance policies vary in coverage for new drivers. Some of the items below will be covered as part of standard driver insurance policies, while others may be covered for an additional fee.
Time to choose
