Learner and new drivers' insurance

• Get a Pass Plus certificate

A number of car insurance companies support the scheme, meaning new drivers who've recently passed their test can benefit from substantial discounts.

• Avoid modified cars

Vehicle modifications (upgrades to styling, audio or performance) will increase your level of risk and your car insurance premium.

• Do your homework

Research cars before you buy - a car with a low insurance group and small engine size will help to keep your car insurance affordable.

• Limit your mileage

The less time you spend on the road, the lower your risk of making a claim.