Over 25 Car Insurance 2017-01-12T22:23:08+00:00

Car insurance for over 25’s

Great insurance deals for young drivers

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Car insurance for first time drivers over 25

Great value insurance for new drivers 25 years and older

As specialist insurance brokers we provide independent advice and arrange quality car insurance cover for young drivers including new drivers over 25 years old.

Car insurance for first time drivers over 25

If you’re a new driver over 25 looking for insurance, there’s some good news and some bad news. The good news is that being over 25 takes you out of the highest risk category for road accidents. The bad news is that insurance is still likely to be a big expense for you because of your inexperience and lack of no-claims history.

Turned 25 and looking for new driver insurance?

We can help! Contact us today for free quotes.

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How can new drivers over 25 get lower cost insurance?

Range of policy types

Whether you want third party only, third party fire and theft or comprehensive cover, we can help. Third party cover will be cheapest – but you need to consider whether it offers the protection you need.

Do more training

Taking an advanced driving course will be seen as a positive by the insurers, who know you’re statistically less likely to have an accident.

Build up your no claims

Getting your own policy means you can start building your no claims discount, which will be reflected in cheaper premiums at renewal.

0333 305 5116

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New driver over 25? Want to save money on your car insurance?

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

Why is car insurance for new drivers over 25 so expensive?

You may have looked for quotes for new drivers and been shocked to discover how much insurance costs, even when you’re over 25. This is due to a number of factors:

Inexperience. Firstly, any inexperienced driver, regardless of their age, stands a much higher risk of having a serious accident in their first couple of years of driving. This is because there are several situations for which your lessons and test can’t prepare you – for example, extreme weather, motorway driving, and driving in unfamiliar places. All these situations present big challenges for drivers – and an insurance company likes to know you’ve overcome such challenges before they’ll start offering you cheaper premiums.

Age. Even though you’re out of the very highest risk bracket, insurers still consider you a significantly greater risk than someone in their forties, for example. There are several different reasons for this, some of which may even be biological. Young people tend to be more reckless, which some experts put down to the brain’s frontal lobe not being fully developed until an adult is in his or her mid-twenties. This means you’re considered a relative hazard even over 25.

Lack of insurance history. Up to now, what we’ve talked about are general trends. Of course, a driver’s safety rating is also dependent on his or her personal skill and attitude. Unfortunately, though, until, you can prove to insurance companies that you’re a low-risk driver, you’ll be treated as a general statistic – and this means expensive insurance. After a few years of not claiming, you’ll be able to prove to your insurer that you’re a low risk, and they’ll offer you lower premiums.

Looking for new driver insurance?

We can help! Contact us today for free quotes.

0333 305 5116

Contact us

How new drivers over 25 can get cheaper car insurance

There are ways to get cheaper insurance, even as a newly qualified young driver. An experienced broker like MyFirst can inform you better – but here are some common strategies:

Telematics or ‘black box’ technology. This consists of a gadget which, fitted to your car, records information about your driving that’s then sent back to your insurer for assessment. If you observe speed limits and drive smoothly and according to weather conditions, your insurer will respond by lowering your premiums.

Pass Plus test. This is a course designed to equip you with advanced driving skills. Taking it may help convince insurance companies that you’re a more responsible driver, even if you’re newly qualified, and help get you cheaper insurance.

Curfew or limited mileage policies. Night time is the most dangerous time to drive. If you stick to driving in the evening and daytime (e.g. for work) and/or keep down your miles (e.g. by car sharing or using a bike for short journeys), you may find more attractive insurance offers.

0333 305 5116

Contact us

New driver? Want to save money?

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