New driver insurance

For 18 to 21 year olds

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New Driver Insurance

Great deals on new driver insurance from leading insurers

If you’re aged 18-21 and a new driver, getting the right policy can be time consuming and expensive. With MyFirstUK, looking for the best new driver insurance policy just got a lot easier. 

What is new driver insurance for?

If you’re reading this, the likelihood is that you’ve recently passed your driving test. A new driver insurance policy is just what you’re looking for. Its designed to offer the right protection to a new driver, who is statistically a greater risk on the road than a more experienced driver. Policy features are designed to strike the right balance of ensuring you have the protection you need, at a price you can afford.

Why is new driver insurance more expensive?

In short, a new driver is an inexperienced. And statistically, the insurers know that they’re more likely to have to make a payout because inexperienced drivers have more accidents. However, here at MyFirstUK, we work with a range of insurers who specialise in providing new drivers insurance. We can get you quotes and advise you on a range of policies that have been designed to provide you with the cover you need as cost effectively as possible.

Looking for new driver insurance?

We can help! Contact us today for free quotes.

0333 305 5116

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How can I get cheap new driver insurance?

There are a number of ways you may wish to consider reducing the cost of new driver insurance.

Consider paying annually

Paying for insurance in a lump sum, rather than by monthly direct debit, will work out significantly cheaper.

Increase your excess

If you choose a higher excess figure (the amount you have to pay upfront in the event of a claim) your overall premium will likely be reduced.

Get an extra qualification

Some insurers will reward new drivers who get additional driver training qualifications, such as PassPlus, with a smaller premium to pay.

Add an experienced second driver

Adding an older, more experienced driver can reassure the insurer that the car won’t be being exclusively used by the new driver. Be careful, though, that you aren’t found to be ‘fronting’.

Agree to telematics

Some insurers can fit a ‘black box’ device, which gives a profile of your driving style and mileage. Keep within certain parameters and your premium could fall.

Ensure the car is secure

Fitting additional security measures and advanced alarm systems can be a way of ensuring cheaper new driver quotes from the insurers.

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New driver? Want to save money?

Call today and we’ll find the right policy for you.

What are my new driver insurance options?

The good news is there are several ways to bring down the cost of your new drivers insurance policy and make your premiums more manageable.

Black Box or Telematics

An important development in recent years is that of tracking devices (AKA black boxes or telematics). These can be fitted to your car or installed on your smart phone. They record driving performance, monitoring whether you sick to speed limits, as well as other critical driving habits, such as cornering and braking.

Telematics help the insurer build up a profile of the new driver, which may lead to discounted premiums. It’s a particularly attractive option for female drivers, who are statistically much safer drivers, but who can no longer get cheap insurance based on their gender.

Third party vs. comprehensive insurance

Comprehensive insurance insures the new driver against any accident, even when it’s his or her fault – and will pay out for your car as well as any others damaged.

Third party insurance is at the other extreme of the spectrum, covering only damage to other drivers’ cars and not your own.

In between these two options is third party, fire and theft insurance – which, as the name suggests, goes a little further than third party insurance, in covering you if your car’s stolen or damaged by fire.

It’s worth speaking to an insurance broker about the three different options, as a policy that seems more expensive in the short term can be often save you money in the long run.

Limited policies

Consider a policy with a curfew or lower mileage limits. In order to bring down the price of new driver insurance, forward-thinking insurers have looked at ways they can lower your risk. For example, most accidents statistically happen at night – so limiting your driving to daylight hours, if it’s a possibility for you, is one way to get cheaper premiums.

With the help of a professional broker, there are many ways to cut the cost of your new driver insurance – so don’t despair!

Looking for new driver insurance?

We can help! Contact us today for free quotes.

0333 305 5116

Contact us