young driver insurance

Choosing Your First Car Insurance: Everything You Need to Know

Getting out onto the road in your first car is exciting. However, at the same time, it is also expensive. Insuring your first car is notoriously costly due to lack of experience and age, with most first-timers being under the age of 25. Here we are going to take you through choosing your first car insurance and keeping the premiums down as much as possible.

One of the first things you will want to know is whether you fall under the category of young driver insurance.

Technically speaking you are considered a young driver or first time driver if you are under age 25. Of course, you might have decided to take your driving test at an older age. You might be 40+ and only just starting out taking lessons with the hope of passing. In this case, while you are not classified as being a young driver, you might still benefit from an insurance company specialising in first-time car insurance, as you do not have any experience.  

Why is insurance so high for younger drivers?

You might be wondering why it is so expensive to insure your first car. This is a good question and we will try to answer it here.

On average, car insurance for a twenty-year-old will cost twice as much as for a 40-year-old, which is a huge increase

The younger the driver the higher the risk

When insurance companies give quotes for car insurance one of the biggest factors is risk. This is the risk you, as a driver, pose when on the road.

As a driver with not much experience, insurance companies see you as being a higher risk than someone who has many years of driving experience.

Younger drivers are often seen to take more risks while driving. This applies to such as speeding, overtaking, drink driving or using drugs when driving. The THINK campaign run by the government revealed that 7% of 18 to 24-year olds believe there is nothing wrong with having a drink and then driving. This is compared to only 1% of people aged 55 to 64. (

Insurers, therefore, believe there is more chance of you having an accident. This conclusion is reached based on statistics. Around 25% of claims come from drivers that are under the age of 25. Basing everyone on past statistics is unfair, but sadly it is the truth of the matter and it is how insurance underwriters work.

So, there is no getting away from the fact that if you are a younger or new driver you will have to pay higher premiums for car insurance than someone over the age of 30.

However, there are some things to consider that may help you to obtain the lowest possible first car insurance quote, so let us check them out.

The different types of car insurance

Car insurance for young or new drivers falls under different categories. For instance, you can get learner insurance for if you are taking extra practice outside lessons with a driving instructor. However, when you pass your test you will have to pay for different insurance. This means you may have to pay twice in the same year for your insurance, which is unfair.

Therefore we offer hybrid learner insurance. This type of insurance policy is not offered by many insurance providers, we are one of the few that do.

What is hybrid learner insurance?

With hybrid learner insurance, you have cover when you are on a provisional licence and you are learning to drive. The same policy also covers you once you have passed your test with no extra premium to pay. Therefore, you do not have to take out two different policies, which will help you to save money as you pay for just one policy instead of two.

Therefore, a hybrid learner insurance policy is something to consider when taking insurance for a provisional licence and starting out on your quest to become a qualified driver.

Short term learner insurance

Another type of insurance we offer is short-term learner insurance as a choice for first car insurance for younger drivers.

This may be a good choice if you have had plenty of lessons from a qualified driving instructor and believe you just need a little more practice outside of your driving lessons.

This allows you to get as much experience driving as possible in the short term. Of course, once you pass your test you would be required to take out another insurance policy which will cover you as a qualified new driver.

Three main choices for insurance

Your next choice is choosing between the three main types of car insurance and these are:

  • Third-party only – the policy only covers damage that you cause to other people, property or their vehicle and does not provide cover for your vehicle
  • Third-party fire and theft – This type of policy provides cover for the third party and damage to property and their vehicle along with offering cover for your vehicle in the event it is stolen or damaged due to a fire
  • Fully comprehensive – This type of insurance provides cover for third party, theft, fire and damage to your vehicle in an accident.

Our advisors can discuss your insurance needs with you to help you find the correct policy for your needs.

Third-party only car insurance is the least amount of cover you can have in the UK to drive on the road legally. As it provides the least amount of protection and none for your vehicle, you might think it is the cheapest. However, you might be surprised to find this is not necessarily the case. Therefore, it is worth checking out fully comprehensive cover. Bear in mind that this could be worth taking out if you would struggle to replace your own vehicle if it is written off in an accident.

Insurance quotes are based on numerous factors

There is no one quote fits all for all young or first-time car insurance. Providers will need to consider many factors before giving you a quote based on your information. These include:

  • Age;
  • Gender;
  • The job you do;
  • How long you have been driving;
  • The amount of excess you are willing to pay;
  • The model of the vehicle and make;
  • Any named drivers on the policy;
  • Where you park the vehicle;
  • The postcode of the area in which you live (some areas are considered higher risk than others are).

Add-ons could boost up insurance premiums

If you are taking out comprehensive car insurance, you may believe that it covers all aspects of your driving. However, this is not necessarily the case.

If you want breakdown cover to get your vehicle towed in the event of an accident that leaves your vehicle damaged, this would be an extra that you would have to add-on. This of course would boost up the insurance premiums. The same thing generally applies if you would need a courtesy car while your own vehicle was repaired or if the windscreen of the vehicle was damaged.

Always check what is included and what is not in the quote for car insurance.

Things to consider before purchasing your first car

You can affect how much car insurance may cost even before purchasing your first vehicle. Here are some of the things you might want to take into account.

The engine size of the vehicle

The size of the engine in the vehicle will reflect on the quote for your car insurance.

This is in fact one of the biggest influencers and the bigger the size of the engine the more powerful the vehicle and the more expensive it will be to insure.

Again, risk comes into play here. The more powerful the car the bigger risk there is for an inexperienced driver and the more likely you are to be involved in an accident.

The make of the vehicle

The make of the vehicle can even affect how much you have to pay for car insurance. Different makes of vehicles fall under different categories.

Some carmakers are classed as being among the luxurious, for instance:

  • BMW;
  • Porsche;
  • Mercedes;
  • Tesla;
  • Maserati.

These vehicles are all on the list of being high to insure. This is generally because repairs are more expensive if the car is involved in an accident, they are higher performance and the vehicle costs more to purchase.

Even buying a good quality used vehicle from these car makers will see the insurance premiums jump higher than for a simple Ford or Kia.

Vehicles classed in the cheaper to insure range for younger and first-time drivers include:

  • Seat;
  • Renault;
  • Skoda;
  • Suzuki;
  • Kia;
  • Dacia.

Security features of the vehicle

How secure the vehicle is will reflect in the cost of insurance.

If you purchase a vehicle with such as automatic braking, car alarm, immobiliser and other security measures, it can help to keep down the cost of your insurance premiums as the vehicle is seen to be at lower risk of being stolen.

Where you park your vehicle overnight can also affect how much you pay for your insurance as it affects safety.

For instance, if you park the car in a garage overnight instead of leaving it by the side of the road it may shave some of the cost of your insurance. This is because there is less risk of it being damaged by passing vehicles or vandalised and less chance of it being stolen.

Tips to cut down car insurance costs

Now we have covered some of the many things you might want to take into account when purchasing your first car, let us look at some tips to help you further keep down the costs.

  • Specialist insurance providers such as us, specialise in offering first car insurance for new drivers and learner drivers. This can help you to find the perfect insurance for the right price. As mentioned before you can make big savings with a single hybrid learner insurance policy, which also covers you when you pass your test.
  • By proving you can drive safely and not getting points on your new license when you come to renew your insurance your premiums should drop down, plus you are another year older;
  • There is always a certain amount of excess to pay if you have to make a claim on your insurance. This is the sum of money paid by you towards the claim. For instance, if you have comprehensive insurance and your car were to become damaged and it costs £600 to repair and the excess is £150, you have to pay this amount and the insurance company pays the rest. You might be able to pay more excess to lower the insurance premiums. However, keep in mind you pay the excess out of your own pocket;
  • You might have the option to pay for your insurance monthly or yearly. However, it may work out cheaper to pay upfront in one go rather than spread the cost over 12 months;
  • You might be able to get a cheaper quote for car insurance if you take an advanced driving course and pass it. By doing so it proves you are responsible and a good driver;
  • Always tell the truth when applying for car insurance. While it might be tempting to tell a white lie if you think it will lower your premiums, if you have an accident and make a claim and the insurance company finds out, it will not pay out;
  • If you have an additional driver added to the insurance, it might help to keep down the costs of coverage. Your parents are a good choice, providing they have a good driving record and no claims bonus.

Obtain your first car insurance with our help

At MyFirstUK, we specialise in finding young and first time car drivers the most suitable and affordable insurance. We have specialists who realise how expensive insurance can be for first-time drivers and who will work with you to find the right policy for your needs.

Applying for insurance for first-time drivers is easy. All you have to do is fill in your details online and provide us with information about your vehicle and any additional driver.

Alternatively, you can give us a call to speak to one of our expert advisors and obtain your quote. There is no obligation and we can help you to find the best cover for the best price whether you are still learning or have passed your test and are ready to go out on the road alone.

cheap car insurance

4 Tips to Get Cheaper Young Person Car Insurance

Young people who want to get behind the wheel of their first car find it extremely expensive. We are not talking about the cost of that first car, which is often a used car, but the insurance cost. New drivers face hefty insurance fees, even if it is only third party cover. To help you keep the cost down we have some tips to help you get cheaper young person car insurance so check them out.

Why is car insurance more costly for younger drivers?

Car insurance is generally pricier for young drivers as they are new on the road and have less experience. Due to this, insurance companies say they tend to be involved in more accidents.

Right or wrong insurance companies believe that younger drivers take more risks than older people do. This applies to driving faster, showing off, and the younger generation is more likely to have a drink and drive or take drugs and drive. This, of course, poses a bigger risk to the insurance provider and this is reflected in the quote for cover.

  • Insurance providers report that 25% of accidents involve young people less than 25 years of age.
  • On average, a 20-year-old driver pays over £200 more than a person in their 30s.

How to get the best insurance quote

While there is no getting away from the fact that you will pay more for your car insurance if you are under the age of 25 there are some things you might consider to help keep costs down.

1.     Third-party insurance may not be the cheapest option

Insurance is offered in third party only, third party fire and theft and fully comprehensive.

Third-party insurance is the least insurance to drive legally on the road. It does not provide any financial gain for you, but it covers other drivers involved in an accident that is deemed your fault. Therefore, you would think it is the cheapest option.

However, you would be wrong. Often insurance companies believe that people who choose third party only are more of a risk than those who have fully comprehensive insurance. Therefore, always check quotes for all levels of cover.

2.     Consider the model of the car you purchase

One surprising factor that can boost not only young person car insurance but also the cost of insurance for anyone is the model of vehicle you drive.

Insurance companies put cars into categories. For instance, the performance of the vehicle. The higher the performance of the vehicle the more it costs to insure the car.

As a rule of thumb, the flashier the vehicles, the higher the insurance, as high-performance cars, even second-hand ones, are more of a target to thieves.

Therefore, avoid cars with powerful engines, body kits and such as spoilers.

The safety features of the car usually affect the cost of insurance. The more safety features it has the less the risk, for instance, automatic braking and a car alarm.

3.     Don’t leave it to the last moment to buy car insurance

Never leave it until the last minute to purchase car insurance. This may not be applicable when you buy your first car but it should apply when renewing your insurance.

You might be surprised how much you can save if you purchase your insurance well ahead of the start date, say three weeks. Insurers see last-minute buyers as being a higher risk.

4.     Choose to pay more in excess

This does not lead to as much in savings as it did some years ago but it is still worth considering when applying for insurance if you are a young driver.

The excess is how much you are willing to pay in the event of a claim. For instance, if you offer to pay £500 in excess and claim on your insurance, you have to stand to that amount before the insurance company pays out.

Some insurance companies will reduce the premium if you offer to pay upwards of £1,000. The downside is that this sum has to come out of your own pocket in the event you claim on your insurance.

To summarise

There is no avoiding the fact that if you are under the age of 25 you are going to have to pay more for insurance for your car than older people do.

However, by following the above tips and advice you should be able to get the best possible quote based on your age and the vehicle you drive.

Younger people don’t want a car that looks as though it belongs to their granny but the truth is less flashy cars with lower performance are cheaper for a younger person to insure. Some of the best cheapest vehicles for under 25s that are not too flashy, but which do come with relatively good looks, include the Kia Picanto, SEAT Ibiza and the Ford Fiesta.

Older and used cars are also generally cheaper to insure than brand new ones. Therefore, put your pride to one side and instead of going into debt to get a new Subaru or Audi, you might want to go for a good used SEAT Ibiza or Kia.

Finally, get a quote for your young person car insurance from us and get the best deals possible.


Learner Driver

Five ways to build your confidence as a learner driver

Learning to drive can be a daunting experience with a whole new skill set to learn.  Here are some top tips to keep you motivated and ensure your driving confidence remains high, despite any minor setbacks that you experience in lessons.

1. Reflect on your success in driving lessons

Your past experiences of success (and mistakes) in driving lessons influence how confident you feel in your driving ability.  We tend to remember the negatives and forget the positives, so make a conscious effort to balance this out.  After each drive, take some time to jot down what went well.  These can be tiny things such as a smooth gear change, or big successes such as negotiating a junction or roundabout you dislike.  Try to replay those successes in your mind and remember what you did and how it felt to boost your confidence.

2. Set goals for each driving lesson

You will no doubt be familiar with your driving instructor asking you what you would like to achieve from each driving lesson – make sure you take some time to think about your goals and how your instructor can help you.  Many instructors use a reflective log; the aim is that after each lesson you reflect on what went well, and what you would like to improve on next time.  Before each lesson, check your reflective log and ask yourself:

– what would you like to practise in your next lesson?

– what will an improvement look like/feel like?

– how will you know you’ve achieved this goal?

– what can you do before your lesson to prepare?

– what do you need to know from your instructor that might help?

If you set small goals with your instructor for every lesson and then replay those successes (see suggestion 1), you will progress through your lessons confidently at a pace that is right for you.

3. Challenge your negative thoughts

If you are struggling with driving nerves or confidence, make a note of the things that you are saying to yourself.  Are you your biggest cheerleader or loudest critic?  If you are self-critical, keep a thought log of the words, phrases and tone that you use in your thoughts and see if you can identify any patterns in unhelpful thinking styles or limiting beliefs.  If you are regularly telling yourself; I don’t, I can’t, I mustn’t, I am not, Others will or something similar then you may be undermining your confidence.  Start to challenge any negative patterns by asking yourself, is it a thought, or is it a fact?  How do you know?  Try to add a balancing statement to any negative thoughts, for example, adding, “I’m still learning”, “I’m improving every lesson”, “I’m doing the best I can”.

4. Improve your understanding of road safety

Being a safe and confident driver is about the skills needed to drive a car, but also an understanding of road safety and other road users.  Your theory test is designed to ensure you understand what you and other road users should do (and why) in different driving situations.  If you are not feeling confident in driving lessons, ask yourself which aspects, in particular, make you feel nervous.  Do you have any gaps in your driving understanding and knowledge?  If so, ask your instructor questions about it, and refer back to your theory test training and highway code. We recommend The Official DVSA Guide to Driving: The Essential Skills as a great resource to help.

5. Learn practical techniques to calm driving nerves and anxiety

It is entirely normal and natural to feel a certain amount of nervousness when learning new skills and learning to drive falls in that category.  You are not alone, and feeling a small level of nerves gives you the advantage of improving your lesson by being fully focused and paying attention to what you are doing.  However, high levels of nerves can have a negative impact, creating a fight or flight stress response, resulting in jerky movements and poor decisions.  The good news is that there are many stress management techniques such as breathing exercises, relaxation, mindfulness, coaching, hypnotherapy and more that can help you learn how to calm your driving nerves to keep them at manageable levels.  There is no one size fits all technique for everybody so if you would like to find out more about which methods might be suitable for you visit the Confident Drivers website which has articles, advice and free tools to help.

Author bio:

Tracey Field is the co-founder of Confident Drivers. This website provides online resources to help nervous drivers transform the way they feel about driving through stress management techniques and courses.

How To Get Car Insurance For Young Drivers Under £1000: A Mini Guide

As a young driver who has just passed the driving test, you will be raring to get out on the road. Whether you have your own set of wheels or share a vehicle with your family, you need to consider the cost of insurance. One of the biggest problems faced by new young drivers is that insurance is extremely expensive. Because of the lack of driving experience and an increased chance of an accident, insurance providers will charge higher premiums for young drivers.

Before you begin shopping around for your car insurance deal, remember that it is possible to get car insurance for young drivers under £1000. Follow these top tips and advice from our experts on how to keep your insurance low as a young driver.

 6 Tips For Car Insurance For Young Drivers Under £1000

1.      Honesty Is The Best Policy

Insurance applications will ask for a lot of details. Insurance providers use all of these details to work out your premiums. It can be tempting to bend the truth in a bid to keep the costs down, but it is vital to tell the truth during your application. Not only is it breaking the law to not be honest in an insurance application, but it can also leave your insurance invalid.

On the other hand, being truthful with your insurance can also help to keep costs down and get car insurance for young drivers for under £1000. For example, if you overstate the number of miles you will drive in a year, then you could end up needing to pay more.

Another common mistake is to register a vehicle for business use if it is used for driving to work. Commuting is not considered business use, and by registering it as this, it will lead to unnecessarily higher premiums.

2.      Choose Your Car Carefully

The car you choose to drive can have a significant impact on the cost of your insurance premiums, and you should bear this in mind before you pick out your new ride. Vehicles with more powerful engines are often more expensive to insure because many associate these vehicles with a greater risk of an accident. You can find out more about the car insurance ratings here.

Customising cars with things such as alloy wheels can also out insurance costs up. Spend some time doing a bit of research into which vehicles will help keep premiums low and get car insurance for young drivers under £1000.

3.      Add A Named Driver

Sometimes it is possible to reduce the costs of your insurance premiums by adding a named driver to the policy. This will depend a lot on the experience of the additional driver, so choose them carefully. Adding another young, new driver to the policy is likely to put the price up, but adding an experienced driver with no previous convictions can reduce it.

Some drivers are tempted to put a more experienced driver down as the named driver and list themselves as a named driver in order to get car insurance for young drivers under £1000. This is known as ‘fronting’ and it will lead to insurance policies being made invalid and could potentially lead to prosecution for fraud. Always be honest with your insurance provider about who the main driver is.

4.      Know Your Cover Levels

One of the simplest ways to get car insurance for young drivers under £1000 is to properly understand the levels of cover available. If you think you would struggle to replace your vehicle if it was to be written off, then comprehensive cover is likely to be the best option for you. Comprehensive cover includes third party, fire and theft, as well as damage to your vehicle and personal injury for yourself.

If your car is not worth a huge amount and you could cover the cost should something happen, then you could choose third party insurance. This is the minimum insurance that you need to be legal on the road. It covers you for damages to someone else’s vehicle or injury to others. With third party cover, if your vehicle is damaged or stolen, then you will need to pay the bill.

5.      Choose Additional Safety Features

Many insurance providers will offer discounts on premiums if your vehicle is fitted with a black box or dashcam. A black box will monitor your driving and gives you the chance to prove that you are not a risk on the road. They will monitor your speed, as well as how often and the times of day you use the vehicle. If you have a black box and prove that you are a responsible driver, then your insurance premiums can be reduced.

Dashcam insurance is another option for car insurance for young drivers under £1000. Many providers will reduce premiums when you have a dashcam fitted because your risk on the road will be lowered. Many drivers with a dashcam will drive more carefully because of this, and also they provide vital evidence if an accident should happen.

6.      Minimise Your Risks

Insurance premiums are high for young drivers because they are considered to be a high risk on the road. If you can minimise the risk of your driving, then you can reduce your premiums. By ensuring you always drive safely, make no insurance claims and keep your licence clean, then your insurance will fall with your policy renewal.

Proving you aren’t a risk can take time as you need to build up your no claims bonus over the years. Another way to minimise your risk is to take additional driving qualifications. Courses such as Pass Plus will give you increased experienced in varied driving conditions, giving you better abilities behind the wheel. Most insurance providers will offer cheaper insurance to those that have completed additional driving courses.

At MyFirstUK, we are specialists in providing affordable car insurance options for new and young drivers. Our friendly team understand that finding car insurance for young drivers under £1000 isn’t always easy, and we are on hand to help do everything we can to keep costs down.

Learner Abuse

It’s Time To Stop Learner Abuse

As a learner driver, it is only normal to experience nerves and anxiety about getting out on the road. Driving is an entirely new experience and the pressure to get it right can be intense. All these new driver nerves are only added to by the amount of abuse that learners come across. It has become commonplace for learner drivers to be subject to anger and bullying while out on the road, and it is time to put a stop to it.

What Is Learner Abuse?

Most of the learners today are young adults getting behind the wheel for the very first time. Every road user has had the experience of being a learner at one time or another, but that doesn’t stop experienced drivers from taking part in learner abuse.

There are many different types of learner abuse that take place on the roads all the time. From swearing and abusive hand gestures to tailgating and aggressive horn beeping, learner abuse takes many different forms. Any kind of learner abuse can be scary as a new road user, and there are many learners out there that have quit lessons in fear of the abuse.

Some driving instructors have reported learner drivers also facing physical abuse while on the roads trying to learn, including being spat at and punched. This kind of physical aggression is far more uncommon than verbal abuse but is still a very real problem that learners have to face.

Any kind of learner abuse can increase anxiety and stress about driving and result in the roads becoming an even more dangerous place. As newbies on the road, many learners simply let go of the wheel in a panic when they come across abuse, which puts even more road users at risk.

What Is The Say NO #LearnerAbuse Campaign?

Launched in early 2019, the Say No #LearnerAbuse Campaign has been designed to help reduce the amount of abuse that learners come across when out on the road. Behind the campaign is an administration team of ten DVSA Approved Driving Instructors, as well as support from various other agencies. The view behind the campaign is that road users should be prepared to give learners some patience and tolerance during their lessons, in order to help them learn in a safe environment.

While there are already laws in place designed to protect all users on the road, including driving without due care and attention and careless driving, actually reporting all of these incidents is impossible. The police teams on the road are stretched and lacking resources, making it difficult for them to respond to every case of learner abuse.

This is where the Say No #LearnerAbuse Campaign comes in, to raise awareness and support of the issue in a bid to reduce the abuse that learners receive on the road.

The Say No #LearnerAbuse Campaign aims to change the way learners are treated and perceived. One of the biggest problems is that when young adults that are learning to drive come across this kind of abuse, they see it as normal behaviour and can then potentially become part of the problem after they pass their test. L plates should be seen as a warning to others on the road, that the driver is new and learning and requires some patience and understanding.

How To Deal With Learner Abuse

The Say No #LearnerAbuse Campaign is working hard to change the way learners are treated on the road, but it won’t eradicate the issue immediately. As a young adult learning to drive for the first time, it can be difficult to know how to cope with receiving learner abuse. There are a few things you can do to help handle difficult and abusive situations on the road;

  • Don’t Push Yourself

When someone starts aggressively beeping as you are waiting to pull out onto a roundabout, or a driver begins tailgating you in a bid to make you speed up, don’t feel pressured to do it. You might feel like you need to pull out on a roundabout when you aren’t confident that you have enough time or pressured into speeding up when you don’t want to. Try your best to ignore the abusive driver and just do things at your own pace.

  • Stay Calm

It can be easy to panic if you come across learner abuse, which puts you at a higher risk of having an accident or unsafe driving. Try your best to stay calm, brush it off and continue focusing on the task at hand. Don’t let the other drivers get the better of you or affect your confidence because they are being impatient, aggressive or rude. Remember, they are at fault, not you.

learner insurance

Learner Driver Insurance In Own Car

For all learner drivers embarking on driving for the first time, the goal is to get behind the wheel without those L plates and to swap the green driving licence for the pink one. So what is the best way to speed up learning to drive? Getting as much experience behind the wheel as possible. This is where learner driver insurance in own car can be really beneficial. So just what is learner driver insurance in own car and is it worth it?

Maximising your driving experience

Learning to drive is sadly not cheap. Lessons are expensive. Instructors not only have to factor in their time and expertise into their prices but also fuel, insurance, the vehicle and its maintenance too. However, all driving instructors will say, the more driving experience you have, the more confident you will become and the quicker you can pass your test. So, how do you get this experience when lessons are so expensive?

The best way to maximise your driving experience is to get out on the roads for additional practice with a responsible adult.

In fact, the Driving Standards Agency recommends at least 45 hours of driving lessons with an additional 22 hours of practice. That said, every learner is different. Some learner drivers will need more practice and more lessons, and some will need less. The important thing is not to rush to your test but gain the experience the wheel, so you not only pass your test but so you become a confident and safe driver.

How to maximise your driving experience as a learner driver

There are several ways you can increase your experience as a learner driver;

Get more lessons

The first is to book more lessons with your driving instructor. However, as we said earlier, this can be expensive. What’s more, if your instructor is popular, then it may be difficult to squeeze in more lessons around both of your schedules.

Practise in a friend or family member’s car

The second is to ask your parents or a responsible adult if they will let you practice in their vehicle with them accompanying you in the passenger seat. If you want to practice driving with family and friends, then there are some requirements to consider;

The person you practise with must be;

  • Over 21 years old
  • Must currently hold a full driving license and must have had their full driving license for more than three years
  • They must also be fully qualified to drive in the vehicle you want to learn in. For example, if you are driving in a manual vehicle, they must have a license for manual vehicles.

It is vital to have the correct supervision when you are practising driving. If you are caught without having the right supervision, then you can personally receive a fine of up to £1,000, and you may earn up to eight penalty points on your licence too. You can also be banned from driving.

It is important to note that the supervisor does not have to own the vehicle you practise in. For example, your mum could supervise your driving practice in your dad’s car. However, there must be the right insurance in place before you head out on the road.

The problem with driving in your supervisor’s car is that their vehicle may not be appropriate for you to drive. For example, if your friends or family have very expensive or rare vehicles, they may not feel comfortable with a learner behind the wheel. Furthermore, it may be very expensive for them to add you onto their insurance for their specific car.

Other issues could be that the vehicle just isn’t very suitable for learner drivers. For example, if there is a big difference between your driving instructor’s car and your supervisor’s vehicle, then you may find that you spend most of your practice time struggling to adapt to a new vehicle and not gaining the experience on the roads that you need.

Practise in your own car

The third option to gain as much experience as possible in a car you feel comfortable in is to have your own car and conduct your driving practise in this. While buying your own vehicle is quite an investment, it enables you to get used to and comfortable in the vehicle before you pass your test. As soon as you do pass your test, you’ll feel confident behind the wheel of a car you already know well.

Remember, if you choose to practise in your own car, you’ll still need a supervisor with you to accompany you out on the roads.

If you choose to purchase your own car while your learning to drive and want to practise in it, then you’ll need learner driver insurance in your own car.

What is learner driver insurance in your own car?

As a learner driver, you are still out on the roads, and you could still have accidents with other motorists or suffer issues with the car. When you have professional driving lessons, your driving instructor has insurance in place to cover these risks. However, when you are practising with friends or family, then you need additional insurance in place. This is a legal obligation.

There are typically two options for insuring yourself when you are a learner driver. The first is to be added to someone else’s insurance. Depending on the vehicle they have, this can be very expensive, and, in some cases, insurers may refuse to add you as a learner driver.

The other option is to have learner driver insurance in your own car. This is insurance you can have when you have a provisional license. With this insurance, you can rack up time behind the wheel to gain experience driving so that you can pass your test quickly and gain confidence on the road before you qualify.

What’s more, with learner driver insurance in your own car, you have the set of wheels you want from the very beginning, This can feel like a much more comfortable transition between learner to a newly qualified driver when you are using the same car.

What you need to know about learner driver insurance in your own car

Insurance is a legal requirement

If you have a roadworthy vehicle then it is a legal requirement to have insurance in place. It is a requirement whether you are a learner driver or a qualified driver. However, you need to make sure you have the right insurance in place to cover your needs. Standard car insurance is not enough for learner drivers.

There are lots of different insurance options available

As a learner driver, there are many different types of insurance you can opt for. You may choose an annual policy or perhaps a short-term policy if your driving test is imminent.

We think one of the best choices for learner driver insurance in your own car is hybrid insurance. Hybrid insurance covers you while you’re a learner, and when you pass your test too. This means you don’t have to pay twice for two different insurance policies.  Instead of purchase learner driver insurance and newly qualified driver insurance, you receive both in an affordable hybrid package. Simple!

Choose your car wisely

Yes, you want to own a car to be proud of. However, there is no point owning a souped-up or expensive car if you can’t afford the insurance to drive it. If you’re looking for learner driver insurance in your own car, then the cheapest insurance options will be ones in the Group One category of vehicles that are cheapest to insure. These could be vehicles such as the Volkswagen Polo or Up, Hyundai i10, Toyota Yaris or Vauxhall Corsa.

Avoid cars with big engines or modifications. They’ll hike your insurance prices up.

Consider your payment system

For learner driver insurance in your own car, the cheapest deal for insurance will be paying annually. However, that isn’t always easy for young drivers and learner drivers with all of the other costs to factor in too. However, at MyFirstUK, we offer a range of finance schemes with super-affordable deposits so you can have the right insurance in place for your own car as a learner driver.

If you want to pay monthly with an affordable payment structure, get in touch with MyFirstUK to receive your quote and bespoke payment plan.

Are you looking for learner driver insurance in your own car?

If you already have your own set of wheels and looking for insurance so you can get out on the road, then speak to our friendly experts at MyFirstUK. We’re specialists in hunting for the best deals for learner driver insurance so talk to us on the phone or through live chat so we can find you the best deal.

learner insurance

6 Reasons Why You Need Temporary Learner Insurance

Learning to drive is often a stressful time, with hours of lessons leading up to a nerve-wracking test. Temporary learner insurance is an easy way of getting in some extra practice before your driving test, without splashing out on more expensive driving lessons. Whether you have got your own car, or a family member or friend is willing to let you use their vehicle, getting temporary learner insurance before you pass your test is often worthwhile.

What Is Temporary Learner Insurance?

When you have a provisional driving licence and are practising for your driving test, you can get temporary learner insurance in order to help you gain valuable on the road experience. It is possible to get yourself added onto a family member or friends existing policy; however, it can be very expensive because of your lack of driving experience.

As well as the cost, adding yourself to someone else’s policy would put their No Claims Bonus at risk if you did have an accident. Temporary Learner Insurance can be used instead to give yourself your own separate policy that won’t have any impact on their existing insurance. Temporary Learner Insurance can usually be taken out for anywhere between seven days to 12 months and will end either at the end of the term or when you pass your test.

Why You Need Temporary Learner Insurance?

Temporary Learner Insurance has a wealth of benefits that make it an excellent choice for many driving students. Here are our top six reasons why you need Temporary Learner Insurance:

1.       Save Money

Learning to drive is an expensive task, with the cost of driving lessons always on the rise. While you might think paying out for insurance as a learner might just add to that cost, it can actually save you a lot on driving lessons. When you have the freedom to drive your own car, outside of your driving instructors time, you will gain a lot more valuable experience in a shorter amount of time.

As long as you have someone willing to come with you while you practice, you can spend hours out on the road getting real-life driving experience without paying for pricey lessons.

As well as saving money on driving lessons, temporary learner insurance is also often a cheaper option than adding yourself to an existing drivers’ policy. Temporary learner insurance is designed for learners specifically, so the premiums are usually lower than through other insurance policies.

2.      Protect Your Vehicle

When you choose to add yourself onto an existing insurance policy, it is common for the insurance company to only offer third party cover for learners. Temporary learner insurance can be fully comprehensive, so you can relax knowing that your vehicle is completely covered should an accident occur.

3.      Freedom To Practice

Learning to drive is time-consuming, and most learners are limited to the time that their driving instructor can give them, and the number of lessons they can afford. By choosing temporary learner insurance, you can give yourself the freedom to practice whenever suits you.

 As long as you have a qualified driver to come with you, you can drive as much as you please to get yourself test ready. Not only will your driving skills improve with practice, but your confidence on the road will increase, which is fundamental for passing your driving test.

4.      Protecting No Claims Bonus

It is never possible to guarantee an accident-free drive, but by choosing temporary learner insurance over being a named driver, you can ensure your loved ones’ no claims bonus isn’t affected. If you are driving a friends or family members car while you are learning, you could jeopardise their no claims bonus if you are added to their insurance policy.

Temporary learner insurance is an entirely standalone policy in your own name, so even if an accident should happen, their policy won’t be affected.

5.      Flexible Policies

As a learner, the chances are you won’t know exactly how long you will need your car insurance for. Temporary learner insurance policies are often flexible, and you can choose to have them for a fixed amount of time, such as six months, while you complete your lessons and pass your test. This means you only have to pay for the cover you really need while you learn.

Some learner policies also give you the option to transfer your policy into a new driver policy after you pass. Just ask the MyFirstUK team for more information.

6.      Specialist Insurance Cover

Not all insurance companies will accept learner drivers onto their policies, so finding an insurance policy as a learner can be a struggle. When you choose a specialist temporary learner insurance provider, you are guaranteed to be accepted and know you will be fully covered while you learn.

If you want to get more practice in before your driving test, get in touch with MyFirstUK for your free insurance quote.

young driver insurance

Under 21 Car Insurance UK: Your Guide To Getting The Best Deals

Young drivers are often burdened with having to pay very high insurance premiums. When you are new to the world of driving, navigating your way around the various car insurance options available can be confusing. For most drivers, once you hit 21, your insurance premiums become significantly cheaper than before, but under 21 car insurance UK is often eye-wateringly high.

The reason for the higher cost is that statistics have shown those under 21 are more likely to be involved in an accident on the road. This means you are seen as a higher risk by insurance companies, and premiums will be high to protect against this risk. While under 21 car insurance UK is not going to be cheap, there are a few things you can do to make sure you are getting the very best deal.

Understand The Types Of Under 21 Car Insurance UK

Before you begin shopping around for the best car insurance deal, you will need to understand the various types on offer:

Third-Party: Third-party car insurance is the most basic level of cover you can have. It will pay out for any damage that is caused to other people’s property and compensation for injuries to others. This type of under 21 car insurance UK doesn’t provide any cover for your own vehicle.

Third-Party, Fire And Theft: This is the next level up from third party cover and will cover your vehicle if it is stolen or damaged by fire. It does not protect your car if it is damaged in an accident that was your fault.

Fully Comprehensive: Comprehensive car insurance is the highest cover level and will protect against all damage to your own vehicle even if an accident is your fault.

Even with these three main types of under 21 car insurance UK, each individual policy can be slightly different. Before choosing an insurance policy, check the terms and conditions to check exactly what is included. Comprehensive cover is generally seen as the most expensive, while many assume that third party is the cheapest. This is not always the case. If you’re looking for the best deals, look for quotes with all options to ensure you’re getting value for money.

How To Get The Best Deals For Under 21 Car Insurance UK

Add 2nd or 3rd Drivers

In some cases, adding another driver onto your policy can increase the cost, but it can also cause the price to go down depending on who you choose. If you have a family member or friend that is a responsible driver with many years no claims and a clean licence, then adding them to your policy could save you a lot in premiums.

It might seem counter-intuitive for more drivers to reduce the costs, but because insurance is all about risk, adding a low-risk driver can result in significant savings. 

Choose Your Car With Insurance In Mind

Whether it is your first car or not, the type of vehicle you drive will impact your under 21 car insurance UK. Every vehicle on the market will be seen differently by car insurance providers, with some being considered lower risk than others.

Typically, the faster the car, the more expensive the insurance will be, so bear this in mind when you head out car shopping. The same goes for car modifications, such as body kits and alloy wheels. These kinds of alterations are known to put insurance premiums up considerably.

Increase Your Excess

Your excess is the amount you will have to pay upfront if you had to make an insurance claim. By choosing a higher excess instead of the compulsory excess that the provider asks for, you can reduce the cost of your premiums. Always bear in mind that you will need to pay this excess should you need to make a claim, so be realistic about what you can afford.

Young drivers might struggle to find £500 or more in the event of an accident, and statistics show that young drivers are most likely to claim in their first year of driving, so you may need to pay out this excess early on.

Use A Black Box

A black box policy, or a telematics policy, can save young drivers hundreds on under 21 car insurance UK. They work by having a small device fitted into your vehicle, which tracks how you drive. Your insurance company can then see how risky you are out on the road, and price your insurance policy accordingly.

This is an excellent option for under 21s trying to keep the cost of their insurance down, as your own driving determines the cost instead of statistics about your age group. Every black box policy is slightly different and will have different conditions. Some may limit the number of miles you can drive in a year, or how long you can drive without taking rest breaks.

If you’re looking to find the best deal for your under 21 car insurance, then why not talk to the car insurance specialists at MyFirstUK? We can help you secure the best deal thanks to our partnerships with some of the leading young driver insurers.

totting up ban

Car Insurance With Totting Up Bans – TT99

Nearly all motoring offences will carry some number of penalty points or totting up bans on your licence, regardless of how else they are dealt with. Some motoring offences will also come with a fine to pay, or even time in prison, depending on the severity of the offence. Penalty points are imposed on your driving licence, and the number you could receive depends on the driving offence committed.

If you get more than 12 penalty points on your licence within any three-year period, then you could receive a totting up driving ban. This type of driving ban could last for at least six months and is issued by the Magistrates’ court.

What are totting up bans?

Penalty points are used within the totting up system as a way to deal with drivers that commit driving offences of any kind. Totting up bans are used in addition to penalty fines and the original driving ban. As a result, the consequences will always depend on the type and severity of the driving offence. A driver can be given points on their licence for a vast range of offences, including:

  • Speeding
  • Driving without due care and attention
  • Failing to stop at an accident
  • Failing to obey a signal from the police
  • Breach of a traffic signal.

With the totting up system in place, courts have the power to impose penalty points onto anyone’s driving licence. The number of penalty points is determined by the nature of the driving offence that has been committed. Motorists with penalty points on their licence can then be tracked and identified if they continue to repeat driving offences.

A totting up ban can be given to drivers who commit multiple offences on the road and receive more than 12 penalty points.

How does totting up work?

The number of penalty points that you could be issued with will depend on the driving offence committed. The minimum number of penalty points you could receive for a minor driving offence is two, and for more serious offences you could be given anywhere between three and six penalty points.

If you tot up 12 or more penalty points from various different driving offences over a three year period, then you could be given a totting up ban. The period of disqualification will be decided by how many previous bans you have had:

  • If you have never previously had a driving ban, then you could get a six-month disqualification.
  • If you have been banned once before within the last three years, then you could get a one-year disqualification.
  • If you have been banned twice or more in the last three years, then you could get a two-year disqualification.

After this ban is completed, you will have your driving licence returned, and all points will have been removed. If you are a new driver that has passed your test within in the last two years, then you can only tot up six points on your licence. If you reach six points you will automatically have your driving licence revoked and be required to retake your driving test.

Can I get 12 points and avoid a totting up ban?

In some circumstances, it is possible to avoid a driving ban even after totting up 12 points or more. This is usually only available to those with special circumstances and where you can justify these in a submission of exceptional hardship. If you are able to prove to a court that a totting up ban will cause you or others exceptional hardship, then they may reconsider a driving ban. Exceptional hardship could include situations like:

  • Driving for a family member that suffers from serious health problems.
  • Working in a senior management role where disqualification could cause severe disruption to employees and the business.
  • Working in a job that protects the public, including the fire brigade, police or ambulance service.

It is also possible to plead exceptional hardship if the loss of employment is a guaranteed result of a driving ban. If you are in a situation where you may lose your job and be unable to support yourself or your family, then a ban may be avoided.

What is a TT99 endorsement?

Every driving conviction that you can receive has its own endorsement code that is imposed on your licence. The TT99 conviction code is given to anyone who has been disqualified from driving for totting up points. This endorsement will last on your driving licence for four years after the date of your last offence and is used by the authorities and insurance companies to determine your driving history.

It is a legal requirement to declare a TT99 endorsement when purchasing car insurance and failing to declare this could result in your insurance being invalidated.

Can I get car insurance with a TT99 endorsement?

If you have previously had a totting up ban in the last four years, and have a TT99 endorsement on your driving licence, it can make getting car insurance a problematic task. While the TT99 endorsement itself will only stay on your licence for four years, it is a requirement to disclose the conviction to insurance companies for five years from the date of your last offence.

Some car insurance providers may refuse to insure you entirely with a TT99 endorsement, while others will insure you, but you should expect the premiums to be high.

At MyFirstUK, we work hard to find our clients the right insurers who will accept TT99 endorsements if they are required. If you think you may struggle to acquire car insurance because of totting up offences, then MyFirstUK is here to help you get cost-effective car insurance based on your individual requirements.

Why is car insurance more expensive with a TT99 endorsement?

The cost of car insurance is determined by the risk you will pose to the insurance company. If you are a higher risk driver, then your premiums will be higher to reflect this. Once you have been convicted with a totting up ban, then you will be considered to be a very high-risk driver to most insurance companies. This is because you will have committed multiple driving offences within the last three years, that lead to disqualification.

Some car insurance providers will specialise in insuring drivers with TT99 endorsements, and at MyFirstUK, we work with these insurers to make sure our clients can find insurance at the best price possible. While premiums will almost always be higher than they were before a conviction, they can be kept as low as possible through a specialist insurer such as MyFirstUK. Receive a free best quote today by calling 0333 305 5116.

Drivers With 3-9 Points: How To Get Insurance

Many drivers often have moments on the road where they make mistakes and getting a driving penalty for any reason is something that all drivers dread. A driving offence can not only land you with a hefty fine, but you could also end up with penalty points on your licence.

When you get these penalty points, they can affect various areas of your life, including your car insurance premiums. Drivers with 3-9 points can expect their car insurance to rise, and the points could also affect your credit rating, your job and other insurance premiums such as life insurance.

It is common sense that driving offences should always be avoided and that it is vital to drive with the utmost care at all times. However, driving offences do happen every day, and there are plenty of drivers with 3-9 points out there, struggling to get a fair price for their insurance. Our experts have shared their advice and answered common questions on how drivers with 3-9 points can get coverage without paying over the odds.

What Are Penalty Points And How Do They Work?

In the UK, the penalty points system came into play in 1988 and was designed to help reduce the number of drivers committing repeat offences. It helps the courts to punish drivers who have previously committed a driving offence, and in turn, keeps the roads safer. For most road users, it deters reckless driving and encourages drivers to follow the Highway Code.

The police issue penalty points, and the number of points you receive will depend on the severity of your driving offence. You can get up to 12 points on your licence within a three year period, and if you exceed this, you will be disqualified from driving. Drivers with 3-9 points will have committed one or more driving offence but are still allowed on the roads. These penalty points can be a result of various driving offences, such as speeding, using a mobile phone while driving, or driving over the legal alcohol limit.

What Are Penalty Codes And Why Do They Matter?

Drivers with 3-9 points will have been given a penalty code depending on the driving offences committed. Many individuals with penalty points are not aware of the various penalty codes and how they can each impact insurance premiums differently. Every single driving offence has its own code and the most popular include:

  • SP50: Exceeding the speed limit on a motorway
  • SP30: Exceeding the speed limit on a public road
  • DR10: Driving or attempting to drive when over the legal alcohol limit
  • CU80: Using a mobile phone or handheld device while driving
  • TS10: Failing to comply with traffic light signals
  • IN10: Operating a vehicle without insurance.

It is vital that drivers with 3-9 points know what driving convictions they have and the subsequent codes that go with them. These different codes will each affect your insurance differen tly, and every insurance provider will have their own way of assessing these codes. DR10 convictions for driving over the legal alcohol limit are often considered more serious by insurers than other driving offences. Drivers with 3-9 points for drink driving will usually find it more difficult to get insurance than drivers with 3-9 points for other offences.

How Can Drivers With 3-9 Points Get Insurance?

Any driver with points on their licence will see their insurance premiums increase as a result of their driving offence. Some insurance providers may even refuse to insure drivers with 3-9 points for more serious offences, which is why knowing your conviction code is so important.

If you are already in an insurance contract, your provider may decide to immediately increase your premiums when you receive penalty points, while others may wait until your contract is due for renewal. Different insurance providers will have different policies on insuring drivers with 3-9 points, and some providers will specialise in insuring those with penalty points.

If you commit a speeding driving offence, then instead of penalty points, you may be offered the opportunity to attend a speed awareness course. This is a popular choice as it avoids further points on your licence. However, it is important to bear in mind that some insurance companies may still increase your premiums for attending the course. Even if you pass a speed awareness course, you must still let your insurance company know that you have broken the Road Traffic Act 1988.

Do you have to tell your insurer?

Some drivers with 3-9 points may think they can keep their insurance premiums low by not informing their insurance company of their penalty points. It is a requirement by law to notify your car insurance company immediately after receiving penalty points on your licence.

The Road Traffic Act 1988 states that it is a criminal offence to withhold information from any prospective or current car insurance providers. Choosing not to tell your insurance company about penalty points is not only illegal but can also result in your insurance being invalidated. If this is the case, you would be breaking the law by driving without insurance, which could result in a further driving offence and penalty points.

Can Drivers With 3-9 Points Still Get A Good Deal On Insurance?

Having penalty points on your licence will have an impact on your insurance premiums, but that doesn’t always mean you can’t still find a good deal. At MyFirstUK, we specialise in insuring convicted drivers and keeping their insurance premiums reasonable. We can offer you cheaper car insurance, even if you have been declined insurance by other providers.

Our friendly team can save you time by searching around to find you the very best deal, and our specialist advisors have expert knowledge on convicted driver insurance. Our convicted driver insurance takes into account your specific circumstances and your conviction to find you a more affordable insurance policy. We use various other factors to help keep your premiums down, such as dash cams, increased excesses and driver rehabilitation courses.