Don't pay more than you should - compare cheap car insurance for new drivers
[1] Up to £250 refunded after claim settled. Car insurance purchases only. Excludes breakdown, windscreen and glass repair/replacement. Full T&Cs apply.
If you’ve just passed your test, your car insurance is likely to be higher than more experienced drivers.
You’re a new driver, so you’ll probably pay more for two main reasons: youth and inexperience.
But even older drivers who have just passed their test will notice higher premiums.
That's because your insurer bases the cost of your car insurance on how likely you are to claim.
Car insurance usually gets cheaper as you get older, particularly once you get over the age of 25.
Younger drivers are significantly more likely to be involved in accidents than those who are 25 and over, according to the ABI.
As you become more experienced you build up a no-claims discount if you have insurance in your own name and that’ll help you get cheaper insurance.
Telematics or black box insurance lets you prove to your insurer to see how well you drive.
A small box is fitted to your dashboard to monitor things like how fast you’re driving and how frequently you’re braking hard.
Telematics can be a good option for new drivers as it can work out much cheaper - as long as you drive safely and don’t travel too far.
Avoiding rush hour and late-night driving could also see you save more with a telematics policy.
Pay as you go car insurance will charge you by the hour or mile and you’ll pay a subscription fee on top of that.
It could work out cheaper than a standard policy if you only drive short distances.
Your car will have to meet certain requirements though - for instance, it can’t be a commercial taxi or more than 15 years old.
If you’re racking up a high annual mileage on your car, your insurance will probably be more expensive.
But if you only use the car for short distances, you might be able to knock down the price.
The average mileage for a UK driver is around 7,000 miles so if you’re driving less than that annually you could save money.
But always declare your mileage as accurately as possible, as underestimating it could void your cover.
Only using the car for a limited time?
Short term car insurance can be ideal for young drivers who sometimes use their parent’s car.
It can last up to 28 days and can work out cheaper than an annual policy.
One drawback is that you won’t earn a no-claims discount to help reduce your premiums in the future.
If you drive someone else’s car, it might work out cheaper to be added to their policy as an additional named driver than to take out your own policy.
This is especially likely to work out cheaper for you if they’re an experienced driver with a few years no claims bonus.
They just need to notify their insurer to set it up, but there might be an admin fee to make the change.
It works the other way round too - if someone more experienced sometimes drives your car you can add them as a second driver.
Just make sure you’re always honest about who the main driver of the car is so you’re not guilty of fronting - lying about who the main driver is to get cheaper premiums.
[1]Up to £250 refunded after claim settled. Car insurance purchases only. Excludes breakdown, windscreen and glass repair/replacement. Full T&Cs apply.
[2]Between the 18 and 24 October 2018, One Poll conducted an online survey among 1,000 randomly selected British adults with children aged between 17 and 25 who can drive