Tips and advice for young drivers
The high of passing your driving test might be cut short when you start to get car insurance quotes. But, you needn’t pay a fortune if you follow the tips the experts at comparethemarket.com shared with us
First published: 6th July 2015
View image gallery (1 photos)
Pick the right car
Insurance for young drivers can easily cost as much as or more than the car. So, before you think about buying one, it’s essential you take a look at the cost of insurance as well as the price of the vehicle.
Some insurers want young drivers more than others, so their premiums will be more competitive. The only way to find the cheapest policy is to compare insurers and pick the one that suits you best.
Don’t get any modifications for your car
It’s a really good idea to steer clear of upgrades like alloys and body kit as they can really drive up the cost of insurance.
Think (carefully!) about a higher excess
If you increase the amount of excess (the amount you pay in the event of a claim) you are willing to pay if you have an accident, then you will probably be offered a cheaper premium. Just make sure you choose an amount you can genuinely afford if you have a prang.
Third party cover is not always cheapest
While third party cover is the most basic, it may not be the cheapest. Insurers look for patterns and, if more third party-only policyholders are claiming, then the price could be higher than for more comprehensive cover. The only way to be sure is to compare prices for both.
Add another driver
Adding a more experienced motorist to the policy as a 'named driver' can lower premiums by hundreds of pounds. That's because the insurance company will assume that the vehicle is going to be used by the more experienced driver, which will lower the overall risk. However, if that's not the case, you are deceiving the company. Indeed, declaring someone as the main user of the vehicle when they won’t be (in order to get a better premium) is a crime. On the other hand, adding a young driver to the policy isn’t always insurance fraud: it's perfectly okay for a young driver to be a named driver on a policy and only use the car occasionally.
Take the Pass Plus
If you’ve recently passed your test, then consider spending a few more hours investing in the Pass Plus qualification. This is designed to help drivers improve their skills and drive more safely; and, many insurers offer a discount to people who’ve had the lessons, which cover six types of driving:
In all weathers;
On rural roads;
On dual carriageways;
Check out pay-as-you-drive policies
A telematics, or ‘pay-as-you-drive’ insurance policy, involves fitting a device to your vehicle allowing the insurer to see how well you drive – whether you speed, drive at dangerous times, brake suddenly, take corners sharply, that kind of thing. Safer drivers earn discounts, but premiums can rise as well as fall depending on your driving.
Remember, cheapest isn’t everything
The thing with any insurance policy is that cheapest is not always best. You need to find the cheapest price for the right cover for you, not the cheapest policy overall. So if you need a courtesy car, legal advice, a low excess or any other addition that adds to the cost of your policy then it’s worth paying a little extra for it.
Other articles related to Car ownership
Meet the Auto Trader team
Editor in chief
Jon cut his journalistic teeth at Autocar Magazine, and today, he's in charge of all of Auto Trader's editorial activity.
Andy has more than 25 years' experience as a motoring journalist, with titles like What Car? and Auto Express on his CV.
Road test editor
Ivan has been testing cars and writing reviews since 2000. There aren't many motors out there that he hasn't driven.
Video & image editor
May manages all of Auto Trader's editorial photo and video activity, along with our YouTube channel.
Pete has been in the motor industry for around 20 years, both as a journalist and as a development engineer for Jaguar.
Rachael has moved from the world of automotive business-to-business publishing to help manage and produce Auto Trader's content.