Compare cheap young driver car insurance

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Car cover can be pricey but that doesn’t mean you should pay over the odds. If you’re a young driver under 25 looking for cheap car insurance, compare quotes with mustard.co.uk and see how we can help.

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  • What does young driver insurance cover?
  • How to find cheaper car insurance
  • FAQs
  • Useful links

Jump to section

  • What does young driver insurance cover?
  • How to find cheaper car insurance
  • FAQs
  • Useful links

What is young driver car insurance?

Young driver car insurance aims to make car cover for 17 to 24 year olds more affordable. 

Even though there are numerous policies targeted at under 25s, finding cheap car insurance for young drivers can still be a challenge. However, that’s not to say you can’t find a policy for you – which is where we come in. 

Whether you’re after comprehensive cover, third-party only or want to find out more about black box insurance, at mustard.co.uk, we make it easy to compare quotes for young driver car insurance. Simply tell us what you’re looking for and we’ll bring back quotes from a range of trusted insurers. 

Young driver car insurance advice and FAQs

Why should young drivers compare car insurance?

Comparing car insurance is a quick and easy way to make sure you’re getting value no matter how old you are. For young drivers in particular though, comparing quotes can save significant amounts of money. 

It’s no secret that young driver car insurance is expensive and it’s not unusual to see quotes over £1,000. Checking what’s available from a wide selection of insurers enables you to find a quote that fits your needs and your budget. 

Why is car insurance so high for young drivers?

Car insurance is all about weighing up risk and sadly, statistics show that drivers under 25 are more likely to be involved in a car accident. Those accidents can lead to a rise in claims which insurers need to pay out for – resulting in premium increases for the relevant age groups.   

Of course, one of the key reasons why young drivers are at greater risk of collisions, is inexperience. Based on that, you’ll find insurance premiums for drivers aged 17 or 18 can be particularly high with prices coming down slightly for over 21s (although you’ll still pay more than the average). 

What does young driver car insurance cover?

Policies can compensate you for a range of incidents including damage and theft but what’s included really depends on the level of cover you choose. Like other types of car insurance, you’ll be able to choose from one of three levels:

  • Comprehensive – compensates other people for injury or damage you cause to them or their property. It also compensates you for any damage done to your car – even if an accident is considered your fault. 
  • Third party, fire and theft – covers the cost of injury and damage to other people and their property but will only compensate you if your car is stolen or damaged by fire. 
  • Third party only – as the name suggests, only third parties are covered. It means that insurers will pay other people for injury or damage you cause, but your car won’t be covered at all in an accident. In other words – if you’re unlucky enough to have an accident, you’ll need to pay to repair or replace your own car. 

Regardless of your age, car insurance is something you must have by law. If you’re caught without it, you could end up with a fine, points on your licence or in some cases, have your licence taken away.

The minimum level of cover you can have is third party only while comprehensive cover is the highest level available. With that in mind, comprehensive insurance has a reputation for being the most expensive. Although that may have been true in the past, it’s not necessarily the case now which is another reason why it’s so important to compare different types of policy.

How can I get cheap car insurance for young drivers?

When car insurance prices rise, it’s young drivers that are likely to feel it most thanks to already high premiums. Nevertheless, there are ways to avoid paying over the odds for car cover without compromising on protection – for example:

  • Consider black box insurance – also known as telematics insurance, black box policies use a device to monitor your driving. If you follow the rules of the road and drive consistently safely, you could be rewarded with lower premiums at renewal. It’s effective in cutting costs because your premium reflects your own driving skills rather than basing the price on overall statistics.  
  • Choose a car in a low insurance group – all cars belong to one of 50 insurance groups. Generally speaking, the higher the number, the larger, more powerful or expensive the car and the pricier it is to insure. The lower the group number, the cheaper the car is to insure. Cars in lower numbered groups (like the VW Polo, Nissan Micra and Vauxhall Corsa) tend to have small engines, usually no more than 1.2L.
  • Add a named driver – a named driver is someone listed on your insurance policy who can drive your car in addition to you. Adding a more experienced driver can help lower premiums but it’s vital not to name an occasional driver as the main driver to save on cost – doing this is a type of insurance fraud called fronting. 
  • Build up a no claims bonus (NCB) – a no claims bonus is money off your premium. You earn the bonus by driving without making a claim on your insurance. One year of claim free driving will give you a year’s NCB; two years of claim free driving gives you two years’ worth of NCB and so on. Also known as a no claims discount, the savings you can make are significant – for example, five years of no claims could cut premiums by as much as 75%.

What is an excess in young driver car insurance?

Almost all car insurance policies have an excess – this is an amount of money that you need to pay towards a claim. For example, if you made a claim valued at £800 and your excess is £200, you’ll pay the first £200 while your insurer pays £600.

There are two types of excess which need to be paid:

  • Compulsory excess – this amount is set by your insurer and is not negotiable. Compulsory excess for young drivers can be much higher compared to drivers in other age categories simply because the risk of a claim is greater. 
  • Voluntary excess – this is an amount you agree with your insurer. In the majority of cases, increasing your voluntary excess can lower the overall premium. When you compare quotes, you can change the voluntary excess to see how this affects the policy price. Just bear in mind that you’ll need to pay both parts of the excess (compulsory and voluntary) for a claim to go ahead – so check it’s affordable. 

How do I make a claim on my young driver car insurance?

If you’re involved in an accident involving another person, it’s important to ask for their details; this includes their name, address, contact number and the name of their insurance provider. 

If the police are called to the scene of the incident, you should also be prepared to show them your insurance paperwork (it’s a good idea to keep a copy in the glove box).

You’ll then need to call your insurer and give them any relevant details, they’ll let you know any next steps. Your policy documents should include the number you can dial if you need to make a claim.  

How can I get cheap car insurance for young drivers?

When car insurance prices rise, it’s young drivers that are likely to feel it most thanks to already high premiums. Nevertheless, there are ways to avoid paying over the odds for car cover without compromising on protection – for example:

  • Consider black box insurance – also known as telematics insurance, black box policies use a device to monitor your driving. If you follow the rules of the road and drive consistently safely, you could be rewarded with lower premiums at renewal. It’s effective in cutting costs because your premium reflects your own driving skills rather than basing the price on overall statistics.  
  • Choose a car in a low insurance group – all cars belong to one of 50 insurance groups. Generally speaking, the higher the number, the larger, more powerful or expensive the car and the pricier it is to insure. The lower the group number, the cheaper the car is to insure. Cars in lower numbered groups (like the VW Polo, Nissan Micra and Vauxhall Corsa) tend to have small engines, usually no more than 1.2L.
  • Add a named driver – a named driver is someone listed on your insurance policy who can drive your car in addition to you. Adding a more experienced driver can help lower premiums but it’s vital not to name an occasional driver as the main driver to save on cost – doing this is a type of insurance fraud called fronting. 
  • Build up a no claims bonus (NCB) – a no claims bonus is money off your premium. You earn the bonus by driving without making a claim on your insurance. One year of claim free driving will give you a year’s NCB; two years of claim free driving gives you two years’ worth of NCB and so on. Also known as a no claims discount, the savings you can make are significant – for example, five years of no claims could cut premiums by as much as 75%.

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