Compare Cheap Young Driver Car Insurance

Posted by mustard.co.uk on January 25th, 2017

Aged 17 to 24? Don’t pay over the odds for car insurance.

Getting your wheels is no small feat – it takes hours of practice and tough theory tests, but it opens up a world of freedom. Don’t let the cost of insurance get you down – compare young drivers’ insurance to secure a great deal.

What is young driver insurance?

Young driver insurance is designed to make insuring your car more affordable. Whether you have just passed your test or you’re due a renewal, finding cheap insurance for young drivers is no easy feat. If you are under 25, some insurers will charge significantly more and the costs can balloon for under-21s.

That’s where mustard.co.uk comes in. Our insurance comparison platform lets you see all the options for young drivers, from the most affordable telematics insurance to third-party policies and cheap car insurance for students.

Young drivers’ insurance packages aren’t just about finding the cheapest deals – they can also help you to become a better driver. Black box insurance for young drivers uses telematics technology to help you track the safety of your driving. Plus, comprehensive insurance can protect your new car in an accident.

Why should I compare car insurance as a young driver?

Always compare car insurance before taking out a policy to make sure you get the best possible deal. This is especially important for young and new drivers because the difference between insurers can reach into four figures.

Car insurance for young drivers is notoriously pricy. The cost of insurance for drivers aged 17-22 is often over a thousand pounds – but if you don’t compare, you could end up paying far more.

Why is insurance so high for new drivers aged under 21?

Car insurance prices are based on risk – and insurers think under-21s are the riskiest drivers. This isn’t without reason. Drivers under 21 are more likely to be involved in a collision than older drivers and collisions cost insurers money.

This is why the cost of car insurance for new drivers can be eye-watering, especially when you are 17 or 18 years old. Car insurance becomes slightly cheaper after your 21st birthday and the price dips again when you turn 25.

Types of young driver car insurance

Young driver car insurance offers a way to drive down the cost for young people. Whether you have just passed your test or have been driving for a while, insurers will still hike up the price based on your age – so it pays to know how to find the cheapest deals.

There are several types of insurance for young drivers – here are the most popular:

Comprehensive insurance

Comprehensive insurance is the king of car insurance packages. Not only does it ensure you’re driving legally and protected from thieves, it also secures your own car, which can be important if you have just splashed out on a new set of wheels.

One of the main benefits of comprehensive car insurance is that it includes accidental damage cover, so you can make a claim for damage to your own car if you have an accident. You can even claim on accidents that are not your fault or where fault cannot be proven.

Many people think comprehensive insurance is more expensive than third party insurance, but this is not always the case. Young drivers should always compare both types of policy before taking out car insurance.

Third party insurance

Third party insurance is the minimum legal requirement for drivers in the UK. It is a more basic package, so traditionally it has been cheaper than comprehensive cover.

Third party only policies will compensate other road users if you damage their car or injure someone while driving – but they don’t protect you or your car.

Third party, fire and theft insurance is a more extensive form of third-party cover. Under this type of policy, you’ll also be covered against fire damage and theft of your car.

Taking out a third-party policy is ideal if you can afford to pay for repairs to your own car following an accident. This makes it popular with new drivers, who tend to drive less valuable cars. But, third party insurance is also popular with higher-risk drivers, which means some insurers now charge more for third party policies. Always compare all the options before buying your first car insurance policy.

How to get the cheapest car insurance for young drivers

Car insurance premiums have risen quickly over recent years and the youngest drivers are feeling the pinch most. Cheap insurance for young drivers may seem like gold dust, but smart searching can lead you to great deals.

There are several ways to get cheap car insurance if you are a young driver. Here are the top things to consider:

Black box insurance

Telematics technology can cut the cost of car insurance for 17-year-olds.

The best thing about black box cover is that it allows you to prove your ability as a young driver. The technology works by fitting a small device in your car, usually beneath the dashboard. The device uses satellite technology to reset your premiums – if your driving is good, you could save hundreds of pounds.

Black box insurance for young drivers can reduce the amount you pay, but it also boosts safety because you can track your skills, sometimes in an app. The rules vary from insurer to insurer, but you’ll need to stick to the speed limits and take care to brake and accelerate smoothly. Some black box insurance policies have rules against driving at night, so always check the small print.

Cheap cars to insure for a new driver

As a young driver, the car you choose is also important. This is especially true when you are shopping for your first car, but the rule still stands until your mid-twenties.

The cheapest cars to insure for young drivers include those in low insurance groups – like the Volkswagen Polo, the Nissan Micra and the Vauxhall Corsa Hatchback.

The best cars for cheap insurance tend to have some things in common. First, they have small engines – usually under 1.2 litres. Built-in security features like immobilisers also help. Finally, the value of the car matters, including the cost of parts and repairs.

This means your dream performance vehicle does not always make a good first car. To get cheap insurance, you should also avoid modifying your car.

Young driver insurance advice and FAQs

Does adding a named driver reduce insurance costs?

Young people often find adding a more experienced driver – like a parent – as a named driver can reduce the cost of car insurance.

You must never lie about the primary driver, though – this is insurance fronting, a type of fraud. Plus, a no-claims bonus can only be earned by the main driver.

How does the no-claims bonus work?

The no-claims bonus (NCB) is a saving you can make after you have driven for more than one year without making a claim.

It builds up quickly in the first few years of driving, but only for the main driver – so you usually won’t make the saving if you drive a parent’s car. The bonus is also called a no claims discount (NCD) and you may need to provide proof of this before switching insurance provider.

What is car insurance excess?

Car insurance excess is the amount you’ll need to pay towards a claim for damage to your car.

It comes in two parts – young drivers will have a higher compulsory excess, but you can set your own voluntary excess. Setting a high excess is a popular way to bring down the cost of insurance, but this can create a barrier to making a claim.

How do I make a car insurance claim?

If you need to make a car insurance claim – for an accident, theft or damage to your car – call your insurer to give them all the relevant details.

It is important to get the other driver’s details if you are involved in a collision, however minor.

Which car insurance providers does Mustard work with?

Our comparisons are independent, so we won’t try to sway your decision.

Our comparison service makes it easy to decide between insurers such as Admiral, Endsleigh, Elephant and WiseDriving.

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