cheap car insurance

How To Get The Most Affordable Car Insurance For 17-Year-Olds

When you are learning to drive and pass your test, car insurance is a legal requirement. There is no getting around the fact that you will need car insurance. Furthermore, as a teenager, insurers will often make you pay a premium for the privilege too. But, fear not! There are things that you can do to get the most affordable car insurance for 17-year-olds. Here are just a few of our tips;

Choosing the right car to insure

Dream big, but start small

If you’ve just passed your test, you may be looking for your own set of wheels for the very first time. Buying your own car is something many of us dream of from a very young age. While that 4×4 or supercar may still be your dream car, they are likely the most expensive car to insure.

Instead, keep them on your wish list until you have racked up several years on your no claims bonus and opt for a more affordable, economical and safer car as your first ride. Choosing the right vehicle can save you hundreds of pounds in insurance. As a result, you can keep that money to go in your dream car fund for future years.

Be different

Did you know the most popular car for teenagers is a Vauxhall Corsa? However, the average cost to insure a Corsa for those aged between 17 and 25 is £1,305. However, but opting for a Peugeot 107 (also around £3,000 cheaper to buy new, as well) you can save over £400 on your car insurance. On average, the cost to insure a Peugeot 107 for someone aged between 17 and 25 is £900.

fiat 500 insurance
Image Cred: Driving.co.uk

So, while your friends may all have the same car, by standing out from the crowd, you’ll have the cash for that epic weekend or amazing road trip. If a Peugeot 107 isn’t your thing, other cars that are cheaper to insure than a Vauxhall Corsa include;

  • Fiat 500 (average cost to insure for under-25s: £912)
  • Kia Picanto (average cost to insure for under-25s: £955)
  • Toyota Aygo (average cost to insure for under-25s: £970)
  • Citroen C1 (average cost to insure for under-25s: £928)

Research also shows that despite there being a wealth of cars that cost under £1,000 to insure for drivers under 25, most teen drivers opt for more expensive cars which include;

  • Ford Fiesta (average cost to insure for under-25s: £1,266)
  • Renault Clio (average cost to insure for under-25s: £1,248)
  • Vauxhall Astra (average cost to insure for under-25s: £1,402)
  • Volkswagen Golf (average cost to insure for under-25s: £1,702)

So, if you want affordable car insurance for 17-year-olds, steer away from the generic pack and pick something slightly less popular, that will give you more bang for your buck.

Black box insurance for 17-year olds

It seems so unfair to many 17-year olds that just because some people in the same age group drive like petrolheads, doesn’t mean everyone does. Sadly, 17-year-olds have often suffered high car insurance premiums because they are in the age group where they are statistically more likely to have an accident.

However, if you’re a careful and sensible driver, there is a way that you can lower your car insurance without the statistics of your age group. Black box insurance, also known as telematics insurance, is a fantastic way to reduce your car insurance premiums as a 17-year-old.

Instead of insurers working out your statistical likelihood of you claiming on your insurance, they provide a black box to install in your car. The box then relays all kinds of information back to the insurer via satellite. Therefore, if you drive smoothly, within speed limits and are sensible with your driving, the premiums are calculated to reflect this and show that you are a lower risk.

Is it for everyone?

Black box insurance sounds great, and it can be. However, there are some circumstances when it may not be beneficial. For a start, if you are still learning to drive, you may not be a smooth and consistent driver yet. Your black box may penalise you when you practice emergency braking or if there is any clunky driving. If you are still not totally confident behind the wheel, its best to hold off on telematics insurance until driving becomes second nature.

Another issue is that telematics can be more expensive for those who do a particularly high mileage. More time on the roads can make you statistically more likely to be involved in an accident. So, if you drive for a living, telematics insurance may not be for you.

Finally, if you are a shift worker or do lots of nighttime driving, then telematics insurance may not be for you. Night time driving is statistically riskier, with more accidents happening at night. If you rarely drive at night, telematics insurance is excellent. However, if you regularly drive late at night, then you may find your premiums rise to reflect this higher risk.

Affordable car insurance for 17-year-olds with telematics insurance

Telematics insurance can not only save you money but encourage sensible driving which means the roads become safer for every user. By having telematics insurance, you are judged on your driving habits, not your age range and therefore as you show what a careful and good driver you are, your premiums will drop. Continue with this good driving behaviour and insurers are much more likely to give you a discount when you are due for renewal.

So, if you are a safe, low mileage teen driver, then black box insurance can save you a considerable sum that can definitely be put to better use. Just remember to check if the coverage has any restrictions, such as curfews and night driving which could cause you to invalidate your insurance.

So with the right car and the right insurance, you can save yourself a healthy sum – now, who’s ready for that holiday?

Remember, if you want any helping in finding the cheapest car insurance for 17-year-olds, talk to the specialists at MyFirstUK on live chat or phone 0333 305 5116.

convicted car insurance

How To Get Convicted Driver Insurance

In the UK, any unspent criminal conviction, even if it isn’t driving related, has to be declared when applying for car insurance.  Depending on what this conviction is, you may find it more difficult to be offered insurance because – statistically speaking – convicted drivers are seen as being at a higher risk of making a claim.

That doesn’t mean it’s impossible, because there are companies (such as MyFirstUK) that specialise in offering convicted driver insuranceHowever, to increase the chances of an insurance company approving your application, there are at least five things you can do.

Five Ways To Get Convicted Driver Insurance

1.      Tell the Truth

When you apply for insurance, one of the first things an insurer will ask is if you any points on your license or any criminal convictions.  It’s essential you tell the truth.  For every driving-related conviction, the DVLA has an assigned code. This is used by insurance companies to assess your risk.  Know which codes apply to your conviction and confirm these with your insurance company.

Beyond any convictions, it’s important to be truthful for every question an insurer asks you.  A recent survey found that, alongside criminal convictions, drivers most often lied about:

While bending the truth might seem like a good idea to ensure you get approved for convicted driver insurance or end up with lower premiums, if you are found to have lied, you could invalidate your policy, meaning you’re in an accident you’re left without a car or having to pay third parties out of your pocket.

2.      Pick the Right Car

If you’re looking for convicted driver insurance,you want to convince your insurer that you aren’t going to be driving dangerously, which means picking a car that sends that message.  Go for one with a lower horse-power engine, for example, or an excellent safety record.  Stay away from vehicles with a reputation for being driven dangerously.

3.      Take a Rehabilitation Course

For those who have a conviction for driving while under the influence of drugs or alcohol, one of the best ways to make sure you are approved for convicted driver insurance is to take a driver rehabilitation course.  These are available across the country through approved training providers.  Not only do they reduce the length of any driving ban, but they also show insurance companies you are serious about getting back on the road and driving safely. 

4.      Agree to Use Telematics

Telematics is an excellent way to convince insurance companies you are safe on the road and a lower risk that industry statistics might suggest.  They work by adding a ‘black box’ to your car which records driving data including the days and times you drive, how many miles you do, and where you go. This data is shared with your insurance company, who use it to calculate your premium.  As well as being used for convicted driver insurance, telematics is popular with young drivers.  If you don’t want to use telematics but want to increase your chance of getting approved for convicted driver insurance, you could also consider using a dashcam or speed limiter.

5.      Consider ways to cut costs

If you’re approved for convicted driver insurance,your insurer will want to be confident you can pay the premiums.  Unfortunately, premiums when it comes to convicted driver insurancecan be quite high.  To make these costs more manageable, you should (wherever possible):

  • Pick the most affordable level of car insurance cover. This will be either third party, third party, fire and theft, or comprehensive. While it might seem counter-intuitive, because the assumption is that most drivers will want third party as it is generally the cheapest, the rates for comprehensive insurance are sometimes lower.
  • Increase your voluntary excess.  Most insurers will set a mandatory excess but also offer the opportunity for you to set a voluntary excess.  The higher this is, the lower your premium will be.  Remember, though, that this is the amount you’ll need to pay if you have an accident it needs to be affordable for you.
  • Lower your annual mileage.  The more miles you drive, the higher a premium you’ll pay.  Look at ways you can take public transport, or travel on foot, to reduce the number of miles you drive each year.  Don’t set an unrealistic figure, though – this goes back to the idea of being truthful because if you do set too low a number, your insurer could deny any claim you make.
  • Avoid the added extras that come with car insurance.  These can add unnecessary costs.  So, unless you think they are an absolute must, say no to legal cover, windscreen cover or a courtesy car.
  • When you aren’t driving, keep your car in a secure garage or on your drive.  This way, it’s less likely to get damaged by passing motorists, and you are less likely to have to make a claim.
  • Don’t make monthly payments on your car insurance premium as these incur interest.  Instead, make a lump sum payment.  If you have to pay in instalments, see if you can take out a 0% purchase credit card, which means you won’t need to pay interest and can keep costs down.

Finally, remember that insurance companies realise people make mistakes and not everyone who is applying for convicted driver insurance is going to re-offend.  However, what they want is as much proof as you can offer that you are serious about staying safe on the road and reducing the risk of having to make a claim.  The more you can do to convince them you want to rebuild your driving record, the more likely they are to approve your application for an insurance policy.

If you’re looking for convicted driver insurance at the best possible price, then get in touch with MyFirstUK who will search for the best possible deal for your needs. 

student

Is Student Car Insurance Really Worth It?

While being a student can be the best years of your life, it is an expensive time. There is not only your student fees to consider, but accommodation and living expenses to factor in too. As a result, a student budget can be tight and adding student car insurance on top of that can be difficult. So, do you need student care insurance and how can you save money so you can make the most of student life?

Do you need student car insurance?

If you want to drive, it is a legal requirement to have car insurance in place. However, for students, car insurance premiums are typically more expensive than for other motorists. This is because most student drivers are under the age of 25. Statistically, student drivers are usually new drivers, with less experience and are more likely to have an accident compared to older drivers.

Furthermore, car insurance premiums drop considerably when you earn no claims discounts. However, student drivers are unlikely to have built up a significant number of years without claims.

However, despite the higher cost, having car insurance from when you pass your test helps you to build up your no claims bonus. This means that, as long as you don’t claim on your insurance, you can quickly see significant discounts in your premiums. However, if you stop insuring your car and stop driving during your student years, it may take longer to build up your no claims bonus.

So, in some cases, it is important to accept that car insurance is necessary if you want to drive while you are a student. As a result, it is essential to budget for the cost of student car insurance too. But, first, it may help to decide whether or not you should have a car while you are a student.

student car insurance

Should you take your car to university?

There are many advantages to taking your car to university with you, which include;

  • Freedom – It will allow you to explore where you live.
  • Shopping – You and your friends will love the benefit of not having to lug back all your groceries after a weekly shop.
  • Going home – Having a car means you can go back to your friends and family more easily.
  • Moving – Student life often means moving furniture from home to accommodation to your new flat. Having your car makes it much easier to move. Can you imagine shifting that chest of drawers on public transport?
  • Big buys – Need a new desk from Ikea? A car will help you get your place feeling like home more easily.
  • Part-time work – Having a car may make it easier for you to find a part-time job as you can widen your search area.
  • Day trips – Great for bonding with flatmates and ticking off fun things off your bucket list.

On the other hand, there are some downsides to having your car at university with you;

  • Becoming a taxi service – it’s all very well being a great friend, but you want people to like you, not the fact you can ferry them around.
  • Parking – Most universities are in cities, which can make it difficult to find parking. Some halls of residence will have parking, but it may cost a lot to purchase a parking permit which is something to consider.
  • Additional cost – As well as budgeting for nights out and food, petrol and parking can quickly add up which eat away at your budget.
  • Higher costs – As you change your address to your student accommodation, insurers may want to put your premiums up. This is because student accommodation is usually in areas of higher crime which can increase the risk that something might happen to your car. Do not lie about the primary address for your car; if your insurer finds out, it is classed as fraud.

As there are pros and cons to both, choosing whether to take your car to university will depend on your own circumstances. Factors to consider are where you live in relation to university, town and the places you want to visit.

How to lower the cost of student car insurance

If you decide that taking your car to university is the right choice for you, then you’ll need student car insurance. Don’t be too daunted by the cost though. Here are some of the best ways to reduce the cost of your student car insurance premiums.

  1. Pick your car carefully

Go for small, safe and reliable cars rather than expensive sports and GTi versions. Avoid modified cars too which can raise your premiums.

  • Consider the excess you can afford

The more of the excess you can cover yourself, the cheaper your premiums can be. So, consider the voluntary excess that you can afford to pay in the event of an accident. It also helps to consider the cost of your car too. If your car is only worth £500, it may not be worth spending £500 through voluntary excess to get it repaired.

  • Add an experienced driver

If your parents use your car when you are back home, consider adding them to your insurance policy which can help to lower your premiums. Do not put someone who isn’t the main driver of your car as the primary driver though. Known as ‘fronting’; this practice is illegal.

  • Consider your mileage carefully

If you’re moving to a city to study, then your mileage may drop considerably as you may not need to drive so often if everything is in walking distance. Before choosing a policy, carefully calculate the mileage you are likely to do. With lower mileage, insurers may see you as less of a risk.

  • Think about black box or dash cam insurance

MyFirstUK offers lots of policies for student drivers, some of which include money-saving measures such as telematics (black box) insurance and dash cam insurance. If you’d like to get the cheapest student car insurance possible, talk to our experts about what type of insurance would best suit you and your needs.

Convicted driver insurance

Convicted Driver Insurance: How to Lower Your Premiums

When you’re applying for car insurance, any type of unspent criminal conviction needs to be declared, even if it’s not driving related.  This allows insurance companies to assess the risk attached to issuing you with a policy.  If they do decide to insure you, it can affect your premium.

Not surprisingly, it’s driving convictions that have the most significant impact on the price of car insurance.  Reports suggest that drivers caught drunk driving, for example, could end up paying an extra 115% on their car insurance; this increases to 131% for those driving without insurance.

Thankfully, there are at least ten ways those looking for convicted driver insurance can lower their premiums.

Ten Ways To Lower The Cost Of Convicted Driver Insurance

1.      Deciding What to Drive

Insurance companies classify cars by groups based on the make, model, engine size, registration date, value and how much it might cost to repair.  There are 50 groups; the lower (closer to 1) the group your car sits in, the lower your insurance premiums will be. 

This means it’s a good idea to avoid fast cars with high-powered engines if you’re looking for an affordable premium on your convicted driver insurance.  If you already own your vehicle, you may not have much choice here.  However, if you’re planning on buying a car, or can change the one you drive, you could save yourself money going for a Micraversus a Mercedes.

2.      Level of Cover

Once you’ve decided on the car, you’ll need to determine the level of cover:

  • Third party only: the minimum cover level required to drive in the UK, it covers the cost of any damage to third parties if you have an accident.
  • Third party, fire and theft: covers any third party in an accident plus damage to your vehicle if it’s stolen or fire damaged.
  • Comprehensive: covers third parties and you in the event of an accident where you’re at fault.

Generally, third party is the cheapest insurance.  However, for convicted driver insurance, this isn’t always the case.  The assumption is drivers who have convictions will take out this insurance, so prices are raised, meaning other insurance levels end up being less than third party. 

3.      Increase your Excess

If you do have an accident, before your insurance company pays out, you’ll need to pay an excess.  Some insurance companies set a mandatory minimum for this; others will let you set your own, which is known as voluntary excess.  By increasing the amount you’re willing to pay as a voluntary excess, you can reduce the premium for your convicted driver insurance

Remember, only commit to a voluntary excess you can afford, otherwise you could find yourself without a car.

4.      Drive Less

As well as increasing your voluntary excess, it would help if you also reduced the number of miles you drive.  The lower your annual mileage, the lower your premium will be.  Don’t risk giving your insurance company an unrealistic figure. If you do lie about your mileage and make a claim, having a higher annual mileage could invalidate your claim.

5.      Stay Away from Added Extras

When you get a quote for car insurance, you’ll be asked whether you want to add on extras including a courtesy car, legal cover, or windscreen cover.  These are all nice to have, but they’ll increase the premium on your convicted driver insuranceand so are probably best avoided.

6.      Take a Rehabilitation Course

One of the best ways to reduce your premiums is to have taken a rehabilitation course.  These are available for drivers convicted of driving while under the influence of drugs or alcohol.  If you haven’t taken a course already, it’s worth speaking to your insurance company to see if they offer a discount if you do. 

7.      Take Advantage of Technology

One of the risks insurance companies take when issuing convicted driver insuranceis just how careful drivers are on the road.  Using technology such as speed limiters, dash cams or telematics (black boxes that monitor and record your driving) are great ways to prove that you are a responsible driver and that your risk is lower than industry statistics might suggest.

They may not be able to reduce your premium in the short term, but in the longer term, the data can be used to help find you a lower rate.

8.      Keep Your Car Secure

Where you live can have an impact on how much you pay in car insurance.  So does where you keep your car.  If it’s kept on the driveway in front of your house, for example, or in a locked garage, your premium is likely to be less than if you park it on the road, where it is more likely to be hit.  And, while this can help you get convicted driver insurancepremiums down, it applies to any driver looking for insurance.

9.      Make a Lump Sum Payment

If your insurance premium is high, it is probably tempting to pay for it in monthly instalments.  However, insurance companies charge interest on this, meaning you’ll end up paying more at the end of the day.  If you can afford it, it’s much better, therefore, to make a lump sum payment.  If you can’t, think about taking out a 0% purchase credit card so you can pay monthly without the additional cost.

10.  Don’t reoffend

The reason you are looking for convicted driver insurance is that you broke the law.  Moreover, if those laws were related to your actions on the road, insurance companies will always err on the side of believing you’ll behave the same way again, which is why your premiums will be higher than for other drivers. 

Even if you don’t do anything outlined in steps 1 – 9, your premiums will go down over time because your conviction will be older, and your insurance company will see you as less of a risk.  They’ll only do this, however, if you don’t have any further convictions. 

If you want help sourcing the cheapest convicted driver insurance, then get in touch with MyFirstUK who specialise in this type of insurance and will search high and low to find you the most affordable and cost-efficient insurance possible.

Cheap Car Insurance For New Drivers: How A Dash Cam Or Black Box Could Save You Money

Passing your driving test is a right of passage for many young people across the UK. As soon as you’ve got that certificate in your hand, you will be eagerly waiting to hit the road alone. Before you can get behind the wheel of your very first car, you will need to get yourself the proper car insurance policy in place. However, finding cheap car insurance for new drivers can be a real struggle.

Many insurance companies will quote extremely high premiums for young drivers. Especially for those who have just recently passed their driving test. Consequently, these expensive prices can be enough to put some new drivers off getting their first car.

It is a legal requirement for every driver in the UK to have some form of car insurance in place. This protects yourself, and other drivers should something go wrong while out on the road. Finding cheap car insurance for new drivers can often seem like an impossible task. However, there are some options out there to help keep the costs down.

One increasingly popular option for cheap car insurance for new drivers is Dash Cam Insurance. This could save you up to 30% on your insurance premiums. Another option is Black Box Insurance. This will allow your insurance company to monitor your driving habits and price your premiums accordingly.

What Is Dash Cam Insurance?

A dashboard camera, or Dash Cam, is a small camera device. It is fitted to your car and monitors the road ahead of you as you drive. A Dash Cam will continuously record the road and vehicles around you when you are driving. Furthermore, this footage can be invaluable should an incident occur. The recordings can reveal which driver was at fault in the event of an accident. As a result, it can help both drivers and insurance companies save a lot of money, time and stress.

It is becoming increasingly popular for car insurance companies to include a Dash Cam within their insurance policies and then reduce the premiums to reflect this. When you are looking for cheap car insurance for new drivers, Dash Cam Insurance is an excellent option to consider.

How Can A Dash Cam Help With Cheap Car Insurance For New Drivers?

Finding cheap car insurance for new drivers is often a struggle. This is because insurance companies will always have higher premiums for drivers who have just recently passed their test. New drivers and younger drivers have less experience at being on the road, and statistics have shown that younger drivers are more likely to be involved in an accident than older, more experienced drivers.

Car insurance companies will charge a higher premium to these drivers to cover the added risk, so if you can take some of that risk away, then the premiums will be reduced.

A driver with a Dash Cam is less risky to an insurance company than a driver without one, as there will be recorded footage of any accidents that do occur. This means that you can prove if an incident on the road was not your fault and will also make you more aware and accountable for your own driving.

Having a Dash Cam fitted in your vehicle will discourage inconsiderate driving, and a huge 40% of motorists say they would feel safer driving with a Dash Cam on board. When it comes to finding cheap car insurance for new drivers, choosing Dash Cam Insurance can reduce the premiums by up to 30%.

first time driver insurance

What is Black Box Insurance?

A Black Box, or telematics device, is a small box that is fitted into your vehicle by an insurance company to monitor your driving style. This small device will track your speed, distance, time of day or night that you usually drive, braking and cornering, and all the information collected can be accessed by an online portal. Consequently, this will build up a comprehensive profile of what you are like as a driver.

Generally speaking, the fewer miles you drive and the less night time driving you do, the safer driver you will be in the eyes of an insurance company. This is a really popular option for those looking for cheap car insurance for new drivers, as the premiums are often based on your own driving style as opposed to statistics of others your age.

How Can A Black Box Help With Cheap Car Insurance For New Drivers?

Just like with Dash Cam Insurance, Black Box Insurance will also reduce the risk for an insurance company covering you as a new driver. Your insurance company will be able to monitor your driving style and see how safe you are when out on the roads.

Some Black Box Insurance policies will also put restrictions in place to keep your premiums down. These restrictions might include a limit on the number of miles you can drive in one year, how long you can drive for without a break, and the times of day or night you can drive.

Having a Black Box fitted in your vehicle can reduce insurance premiums by around 25%, making it a great option if you are looking for cheap car insurance for new drivers.

How Else Can I Get Cheap Car Insurance For New Drivers?

Dash Cams and Black Boxes are both excellent ways of reducing your insurance premiums as a young or new driver, but there are also a few other things you can do to help keep the costs down:

  • Advanced driving courses: Even though you have passed your driving test, you could reduce your premiums by passing an advanced driving course such as PassPlus.
  • Pay annually: Instead of paying for your car insurance every month, it is often cheaper to pay for an entire year in advance if you can afford to do so.
  • Include named drivers: You can add an experienced driver onto your car insurance policy as a named driver. This often helps to lower your premiums and also means they can drive your car.
  • Reduce your mileage: For many insurance policies, the more you drive, the higher your premiums will be. If you can reduce your annual mileage at all, then it could make your insurance cheaper.

Looking for the a quick, hassle free quote? Get the best deal today and get a quote from MyFirstUK

young driver car insurance

What’s The Best Car Insurance For 17 Years Olds?

Passing your driving test is a huge achievement, and for many 17-year-olds, it is a symbol of freedom and taking those first steps into adulthood. There is little better than the feeling of getting behind the wheel of your very first car, but before you can take it out for a spin, you need to choose your car insurance.

Car insurance is eye-wateringly expensive for anyone under the age of 25, and for a new driver at 17 it is going to set you back a pretty penny.

Arranging your car insurance is not a fun task, but it is a necessity before you can hit the road. It is important to remember that your car insurance as a 17-year-old is always going to be higher than that of your parents or older siblings. While you must accept that your first ever car insurance is not going to be cheap, there are some options out there to help you keep the costs as low as possible.

Why is car insurance more expensive for 17-year-olds?

Losing your L plates and paying through the nose to be able to drive on your own for the first time is a rite of passage for almost every young person in the UK. Before you begin shopping around for the best car insurance for you, it is vital that you understand the reasons behind the expensive price tag.

Insurance companies will calculate everything based on risk, which means they will be assessing the likelihood of having to pay out for a claim. The more likely they are to have to pay out, the higher the premiums will be.

When you are 17, your driving experience is limited, and it is likely you have only ever driven during driving lessons. On top of this, roughly one in five young drivers are involved in an accident within the first six months of getting their licence.

All this means that insurance companies will take the view that they are more likely to have to pay out for a claim, and so increase the premiums to help cover these costs. As you grow older and build up a no claims bonus, your insurance premiums will decrease as the insurance companies begin to see that you are less of a risk to them.

Black Box Insurance: The best car insurance for 17-year-olds

What is black box insurance?

Insurance companies are aware of how the high prices of car insurance for young people can be off-putting and even result in some young people not driving at all. They have come up with other solutions to help tackle these high prices while also protecting themselves, and one popular solution for many new drivers is black box insurance.

Black box insurance, or telematics insurance as it is sometimes known, is based on your own driving as opposed to statistics of other people your age.

When you choose black box insurance, your car will be fitted with a small ‘black box’ device that is used to track your driving style and habits. It will record your speed, the distance you have travelled and the time of day you are driving.

Your braking and cornering will be monitored as well, and all this data is used to build up a thorough profile of what you are like as a driver. When you have black box insurance, you will be able to login to a secure website portal that will give you performance data on your driving and give you advice on any areas you could improve on to bring down the cost of your insurance.

Generally, if you drive fewer miles on roads known to be safer and also limit your driving at night time, then your premiums will be lower. Some black box insurance policies will have premiums that change every month depending on your driving, while others will have fixed monthly premiums.

If you choose a black box insurance policy, it will almost always be cheaper than not having a black box, as insurance companies will see you as less of a risk as they can monitor your driving.

How can 17-year-old drivers keep their insurance costs down?

As well as choosing black box insurance, there are other ways that 17-year-old drivers can keep the costs of their insurance to a minimum. Here are our top tips on keeping car insurance as low as possible:

  • Choose the right car: If you haven’t already got your heart set on a specific car, then choosing wisely can save you a lot of money in car insurance.

Opt for something with a small engine as in general smaller cars will cost less to insure. Every car will be put into its own insurance group and can have a big impact on how much you end up paying in insurance.

  • Add a named driver with experience: If you have a family member or close friend with a lot of driving experience and a clean licence, then look at adding them as a named driver on your policy.

While it seems obvious that adding more drivers will make the cost go up, in some cases, it can actually reduce the cost of your premiums. Never be tempted to take out the policy in someone else’s name and add yourself as a named driver, as this is called fronting and is a type of insurance fraud.

  • Get more driving qualifications: You can try to prove to insurance companies that you are a safe driver by continuing your learning even after you’ve passed your driving test.

Taking advanced driving courses such as Pass Plus can be really effective at lowering the cost of your cover, as insurance companies will see you as less of a risk.

  • Pay annually: While making monthly premium payments is often the easiest and most manageable option, it is usually cheaper to pay your insurance annually instead. If you can afford to pay for one year in advance, you will generally save across the course of the year.

It is also worth looking into flexible finance options as MyFirstUK offer various options with low deposits for first-time drivers.

Get a quote from MyFirstUK

van insurance

How To Find Cheap Van Insurance

If you own a van, then it is a legal requirement to obtain van insurance for your vehicle. There are no two ways about it. Van insurance differs significantly from car insurance. For a start, the risks between driving a car and a van are different. What’s more, vans are often likely to be used for a business purpose which means it requires a different type of insurance.

If you’re looking for a way to get cheap van insurance, then read this handy guide on what you can do to get the best deal for van insurance.

Factors affecting the cost of van insurance

  1. The type of vehicle

No two vans are the same, and the make and model of your van (as well as its size and load capacity) will affect the price of the insurance. If you are buying a new van, it is worth comparing the insurance costs for different makes and models so that you can get the best deal. While one type of van may be cheaper to buy, the cost of insurance may be high which could mean it is more expensive in the long run compared to a more expensive van with cheaper insurance.

  • Location

Insurance providers will ask you where the van is kept overnight. A driveway or garage is usually considered safer than on-street parking which may lower your insurance. However, many scratches and scrapes take place in a garage or carpark which can increase the level of risk and actually increase your premiums even though they are deemed ‘safe’ locations.

  • Mileage

Typically, the more miles you do, the higher your insurance premiums will be. This is because more time spent on the roads means a higher chance of accidents as well as more wear and tear for the van itself. By lowering your mileage, you may get a better deal for your insurance, although this is often difficult for van drivers who cover a lot of miles. Do not lie about your mileage as it could invalidate your policy in the event of a claim.

  • The driver

If you have convictions, then your premiums are likely to rise. Your insurer will also base your premiums on your age, gender and how long you have been driving. Some insurers will also take into account the number of years you’ve held a no-claims bonus for.

  • Business use

Many van drivers will use their vehicle for work purposes. When requesting an insurance quote, you will be asked if you drive the van for business or personal use, there is also an option to select both. Insurance can then cover personal possessions, work equipment and haulage if you use your van to make deliveries. All of these uses will impact your insurance, so only select the options that you actually need and that suit your requirements, you do not have to have all cover options.

Traffic on highway with cars.

How To Find Cheap Van Insurance

  1. Don’t auto-renew

Many insurers will increase the price of their insurance every year and then automatically renew the insurance to save the individual time. While auto-renewal can save time, it usually means drivers miss out on the best deals. Instead, call MyFirstUK who will shop around to get the best deal for you. Saving you both time and money!

  • Pay annually

If you are in the financial position to pay for your insurance annually, it can make your insurance cheaper. Often, insurers will give you a discount if you pay annually, they may even give you one month of insurance for free. Paying monthly usually costs more due to the additional processing and administrations for the insurance provider.

  • Up your security

One of the best ways to get cheap van insurance is to ensure your van has a decent level of security. Where possible, look for vans with security features or add them where possible. GPS tracking can be incredibly beneficial if your van gets stolen. Having an alarm system can also help, while many manufacturers include an alarm and immobiliser as standard, it may be worth upgrading your security systems for cheaper van insurance and greater peace of mind too.

  • Understand the add-ons

Many insurers will have a van insurance package which will include a number of add-ons. For some drivers, these add-ons will be useful. However, for some drivers, they could be redundant features. For example, an add-on may protect your cargo or cover your work tools. If you don’t use your van as a tradesperson or don’t use your van for haulage, then this could increase your premium without giving you any benefits.

Instead, check carefully what is included in your premium and only include the add-ons that you’ll actually benefit from.

  • Choose a dash cam policy

Having a dash cam insurance policy such as MyVan means you receive a free dash cam as part of your premiums as well as potentially lowering your premiums by up to 25%. MyVan dash cam insurance comes with a free Next Base Dash Cam as well as free collection and installation at Halfords. The device will then be there in the event of an accident as well as providing proof if any false claims were made against you.

If you want to save up to 25% on your van insurance policy, start your quote with MyFirstUK today.

  • Remember cheaper isn’t always better

Sometimes it is well worth spending a little bit more on your van insurance so that it can adequately protect you in the event of a claim. It may seem like a good idea to increase your voluntary excess. This will be the amount you pay towards a claim. However, you need to make sure you can afford the excess otherwise the garage may not give you your van back. Always choose a voluntary excess amount that you know you can afford.

van insurance

Van Insurance For Young Drivers – A Comprehensive Guide

Regardless of the vehicle they want to drive; young drivers suffer from high vehicle insurance premiums. Young drivers who are looking for car insurance will find their premiums are much higher than those aged 25 and above. However, for young drivers looking for van insurance, the premiums are usually higher. Furthermore, it can be harder to find an insurance policy as many van insurance policies are only available to drivers over 21 years-old. Some policies are only available for drivers over 25. So, what can you do to obtain cheap van insurance for young drivers?

Why is van insurance for young drivers so difficult to acquire?

Car insurance premiums for young drivers increase because they are statistically more likely to suffer an accident on the roads. Similarly, van drivers aged between 17-24 are more likely to be involved in an accident when driving a van compared to van drivers who are older and that have more experience.

With this in mind, many insurers do not think its profitable or worthwhile to offer insurance to van drivers under 25. This is why only a small proportion of insurers offer van insurance to those under 25. Some insurers have lowered their age restrictions to drivers over 21, which is better, but only because they class van drivers over 21 as a slightly lesser risk and insurance premiums are still typically high to reflect this.

Fortunately, there are some insurers that do offer van insurance for young drivers. Furthermore, MyFirstUK works with the majority of them, to help young drivers to get van insurance at an affordable price.

van insurance

Why is my van insurance for young drivers quote so expensive?

The fact that insurance premiums are higher for young drivers is often due to the statistical likelihood that they are more likely to be involved in an accident. For example, one-fifth of drivers have an accident within the first six months of acquiring their licence. Furthermore, an 18-year-old driver is three times more likely to get involved in a crash compared to a 48-year-old.

As well as the risk of accidents for young drivers, there may be other factors to blame for your high quote;

  1. The type of van you drive

The type of van you drive will be used to calculate the cost of your insurance premiums. Aspects the insurer will take into consideration include;

  • Payload capacity
  • The engine size
  • Age of the vehicle
  • The value of the vehicle.

If you haven’t bought your van yet and are just shopping around for quotes, it may be worth considering a smaller, more efficient van. You can check which vans are the cheapest to insure by looking at the Association of British Insurers’ insurance groups for vans. Bear in mind, that while a van may cost a little more to buy or hire purchase, it could save you, in the long run, thanks to cheaper insurance.

The Association of British Insurers’ (ABI) judges which vans to class in each category based on a number of factors. For example;

  • If parts are expensive or rare, then it will cost more to repair and, therefore, more to insure.
  • If the overall cost to repair a van is high, then premiums will reflect this.
  • The bigger the engine, then it will be classed in a higher category by ABI.
  • The heavier the weight of the van, the more difficult it is to drive, so will be classed higher.
  • The performance of the make and model will determine how likely a claim will be made.
  • The greater number of security features the lower the category and premium will be.
  • Your personal situation

Your personal details will be taken into consideration when determining your premiums. Aspects that insurers will consider include your age and driving experience. Premiums will also take into account the number of convictions you have as well as your claiming history and no claims bonus.

Other personal information that could increase your premiums is where you live and where the van will be stored. On street parking will usually raise premiums, while keeping your vehicle on a private driveway will usually lower the premiums. The area in which you live can also play a large part in your premium costs. Unfortunately, this is usually unavoidable.

How to find cheap van insurance for young drivers

While van insurance for young drivers is usually expensive, there are ways that you can reduce your van insurance premiums and find more affordable van insurance that suits your needs.

  1. Choose the right van

As mentioned above, a bigger, more powerful van will be more expensive to insure than one with a smaller engine. It may be best to start with a smaller van and upgrade as you build up your no claims bonus. Check ABI’s groups for van insurance to find the vans which are cheapest to insure.

  • Shop around

Get in touch with MyFirstUK who will scour the market searching for the best van insurance deals for young drivers. Our team are on web chat, email and phone so you can get in touch easily, and we’ll do the hard work of comparing insurance quotes.

  • Increase your voluntary excess

If you have the funds available, then increase your voluntary excess. This will be the amount you will have to contribute for a repair. However, if you don’t have the money in the event of the claim, then the insurer will not have to pay out.

  • Add security measures

The safer your van is, the less likely it will be stolen or damaged which means you are less likely to claim on your insurance. From locking in a garage overnight to choosing Dashcam insurance from MyFirstUK, there is a range of security measures you can put in place.

  • Pay upfront

If possible, pay the annual premium for your car insurance compared to monthly instalments. Paying for a whole year upfront is usually cheaper than paying in instalments, you may even get one month of insurance free by paying in advance.

The team at MyFirstUK are here to help you get the most affordable van insurance for young drivers and will be on hand with ideas for how you can lower your premiums too. Find out more by getting a quote online!

learner driver insurance

Learner Car Insurance – What You Need To Know

Learning to drive can be incredibly exciting and stressful. While lessons may be expensive, getting your licence will give you the freedom and flexibility which can help you invaluably in the future whether it is for work, leisure or family life. That said, the freedom that driving gives you can cost a lot initially. As well as the cost of lessons, learners have many other costs to factor in such as the cost of a car, the cost of fuel, vehicle tax, learner car insurance and driving tests.

So, with such high costs with learning to drive, how can you save money through learner car insurance and do you actually need it? MyFirstUK dives into the world of learner car insurance so you can get the best price possible for your insurance.

Do you need learner car insurance?

If you are learning to drive with a driving school, then insurance is usually included in the price of the lessons. However, it is always best to ask your driving instructor whether they have insurance in place. If not, it may be your responsibility.

For most learner drivers, however, it is important to have some driving practice outside of the lessons with an instructor. When you are learning to drive and want to practice driving, then you’ll need to be supervised by a family member or friend. The supervisor must be at least 21 years old and must have held a full UK driving licence for more than three years.

If you are practising under supervision, then you’ll need learner car insurance regardless of whether you have your own car or are practising in someone else’s vehicle.

It is well worth practising in between lessons. The RAC even actively recommends that learner drivers should aim for over 20 hours of additional practice outside driving lessons.

So, in summary, if you want to practice outside of lessons, then you’ll need learner car insurance. If you are just having professional driving lessons from a driving school, then you probably won’t need learner car insurance.

What are the options for learner car insurance?

There are several ways that learner drivers can be insured before the pass their test, some of which include;

Short-term – Short-term learner car insurance is a specific policy to cover the individual until they pass their test. As it is short-term, you can select how long you need the insurance in place for. This could be a few weeks to a few months or longer. As it only covers the time you need until you pass your test, it is generally considered a cost-effective option.

Named driver – Another option for learner car insurance is for young drivers to be added as a named driver on another policy. Often parents are happy to add their children to their policy as a named driver. However, some insurers will not allow a learner as a named driver on the policy. Furthermore, if the learner driver has an accident which requires a claim on the insurance, the principal policyholder will suffer from a tarnished claims history and may lose their protected no claims bonus.

Own car – If you are lucky enough to have your own car to learn and practice in from the very beginning, then you can insure your own car from the very beginning. Just make sure to inform your insurer when you move from being a learner to a newly-qualified driver when you pass your test.

Hybrid –  MyFirstUK offers an exciting hybrid policy which covers you when you are a learner driver to after you pass your test. This way, you don’t have to pay twice for insurance, and your premium won’t rise when you pass your test. It is a fantastic money-saving solution that enables you to build up your no claims bonus quickly.

learner driver insurance

Why is having a learner car insurance policy a good option?

  1. All round protection

Typically, learner car insurance is fully comprehensive meaning you are fully protected and insured if you drive in your own car, a relative’s car or a friend’s car.

  • No claim bonus protection

If you have an accident or cause damage in a friend’s or relative’s car and have your own learner car insurance policy, then you will not affect their no claims bonus. However, if you are a named driver on someone else’s policy, then they may lose their no claims bonus. This provides peace of mind to both you and the car owner.

  • Flexibility

Learner car insurance is designed to be a short-term solution while you are learning to drive. This means you can have insurance in place for as long or as little time you need. What’s more, if you need a month or two longer, it is easy to arrange.

  • No hassle

It can be costly to purchase learner car insurance and new driver insurance in a short space of time. However, with the MyFirstUK hybrid policy, you only have to pay once. You can keep the same insurance policy for a year while you learn to drive and when you pass your test. This is a no-hassle solution so you can concentrate on making the most of your freedom when you pass your test, rather than searching for the cheapest young driver insurance policy.

  • Cut costs

Having learner car insurance in place allows you to get as much practice in between lessons. Not only can this help to build your confidence and experience on the road, but it may also mean you require fewer lessons which can help to save you money.

Find out more today

If you are not sure which learner car insurance option best suits you, then get in touch with the team at MyFirstUK, using your details, we can search the market to find you the cheapest options and discuss which ones may be right for you, whether it is a hybrid policy or short-term solution. Drop us a line, give us a call or web chat with our friendly team today!

first time driver insurance

How To Find Cheap Car Insurance For First Time Drivers

Young drivers and first-time drivers are known for getting a bad deal when it comes to car insurance. Learning to drive is incredibly expensive, and the costs associated with learning to drive have risen 18% since 2010. For drivers under the age of 25, they pay an average of £1,635 a year for car insurance alone. Whereas drivers over 25 spend an average of £712 per year, while drivers over 50 paying an average of £413 per year.

So, if you’re a first-time driver and looking to cut costs on your insurance, here are the top tips on how to find cheap car insurance as a first time driver.

Top Tips For Cheap Car Insurance For First Time Drivers

  1. Add responsible drivers to your policy

In most cases, adding a second driver to your insurance policy can push your premium prices up. However, in the case of young drivers, adding a second responsible driver to your policy such as older siblings or parents can reduce your premiums.

This is because first time drivers are seen as high risk. Adding a second or third driver who is older and has plenty of experience on the road can dramatically reduce the cost of your policy. It is important only to add drivers who are realistically going to drive your car. In some cases, you can even say how much they will drive your car. For example, you can put your Dad down as an ‘occasional driver’.

Adding drivers to your policy doesn’t always make it cheaper, and in some cases, it can actually increase your premiums. The best thing to do is try a few different quotes with different drivers and see which ones lower your premiums and which increase your premiums. Start checking for quotes today with MyFirstUK here.

  • Consider your cover options

For car insurance, there are three main cover options which are;

  • Third party only
  • Third party, fire and theft
  • Fully comprehensive.

Typically, third party only is seen as the cheapest as it has the lowest level of cover. However, insurers know that many people who chose third-party insurance are actually a higher risk on the roads. In some cases, fully comprehensive insurance can actually be cheaper as you are deemed a safer, more sensible driver.

Again, it is best to compare different quotes to see which is cheapest. However, for extra peace of mind, fully comprehensive can ensure you have the cover in place for a whole range of circumstance, giving you the protection you need if an accident is your fault.

  • Steer clear of modifications

Modifications may look cool on your new wheels, but they will often cost you significantly with your insurance premiums. Modifications are essentially anything that you’ve added to your car that isn’t part of its factory specification. If you add alloy wheels, extra bass for your music system or an additional exhaust, then you will need to state this on your insurance (otherwise it may invalidate your policy).

Usually, insurers will increase your premiums if you have modifications as they can increase the value of your car and therefore the cost of repair or replacement if they are stolen or damaged.

  • Choose a cheap car to insure

Certain vehicle makes, and models are considered cheaper to insure. There are 50 different car insurance groups, and it is well worth reviewing these groups when choosing your car. The cheapest cars to insure for young drivers are in the groups one to five.

Remember, faster cars are usually seen as a higher risk, especially if it is your first car.

  • Black box insurance

To help reduce the premiums for young drivers and newly qualified drivers, many insurers now offer black box insurance. The black box insurance, also known as telematics, monitors the driving style of the driver. This data can then determine how safe the driver is and subsequently lower the insurance.

Black box insurance helps by not only providing necessary data to prove your driving skills but can add peace of mind. Already half a million drivers in the UK have black box insurance and having telematics insurance reduces the crash risk by 40%.

At MyFirstUK, we specialise in finding the cheapest insurance for first time drivers and one of our specialities is black box insurance. If you want to save considerably on your car insurance, then telematics insurance may be the answer.

  • Dash cam insurance

If you don’t like the idea of having your driving habits monitored, then a dash cam insurance policy may be a better alternative. A dash cam can offer up to a 30% discount on car insurance as it monitors the action on the road and not your driving style. A dash cam provides the proof in the event of an accident or incident which can help to speed up the dispute process in the event of a claim.

What’s more, people often feel safer when having a dash cam in action. In fact, 40% of people claim they prefer driving with a dash cam on board as it provides peace of mind and evidence for a dispute or when your car is damaged, and it isn’t your fault.

At MyFirstUK, we offer dash cam insurance by teaming up with Next Base Dash Cams. With our dash cam policies, policyholders can receive a free Next Base Dash Cam as part of their policy. Furthermore, there is a free click and collect service at Halfords where Halfords will also install the dash cam free of charge too. If you want to reduce your premiums as a first-time driver, then get in touch with MyFirstUK who specialises in car insurance for young drivers. If you’d like to find out more about our dash cam policies and black box insurance, then get in touch with MyFirstUK by calling or speaking to us through live chat.