Young driver insurance

For 21 year olds and over

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Young Driver Insurance

Great value insurance for young drivers aged 21 and over

At My First we’re dedicated to finding quality insurance for young drivers at the best prices.

Getting a young driver insurance policy is your ticket to freedom!

Learning to drive literally changes your life. From one day to the next, you have total freedom. Gone are the days when you have to wait on a freezing platform for a train that never comes. Or rely on buses that leave once in a blue moon. You can make plans to go where you like, with who you like – and most importantly, come home when you like!

There’s no day more exciting than the day you get your licence. But then you get hit with a nasty reality . . . car insurance.

Getting the best insurance for young drivers is what we do!

My First can help you compare insurance plans for young people, weighing up the pros and cons of each policy and helping you find one that feels comfortable. Price is important, but it’s not the only factor. We can help you understand how insurance works and decide whether it’s worth paying a little bit extra for enhanced cover – or not.

Looking for young driver insurance?

We can help! Contact us today for free quotes.

0333 305 5116

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How do I get the best young driver insurance?

The unfortunate fact is that young drivers have a much higher risk of having an accident. You might have passed your test after 10 lessons and can parallel park like a demon. But the painful truth is that risk is linked to experience, and while you have very little driving experience, insurers will put you in the high risk category. It’s a shame, because some new drivers are more careful than people who have been driving all their lives – but risk is calculated as an average.

The bottom line is that young drivers’ car insurance is expensive. But the good news is there are things you can do to start saving on your premiums.

Choose the right car!

Deciding what car to buy is a big decision. Look for something in one of the lowest insurance bands and you will save money. The GTi may have to wait!

Add an experienced driver

Add an older, more experienced driver who needs access to the car to the policy. It may help reduce the premium. But be careful that you’re not ‘fronting’.

Improve security

If you can show that you are using additional security measures – a high spec alarm, for example – insurers may reward you with a lower premium.

Choose the right cover

Fully comprehensive insurance offers the most protection, but if you’re on a tight budget, you may wish to consider third party cover only.

Steer clear of modifications

Car modifications might look great and add performance… but they’re likely to add to your premium, too. Stick with a production model and save money!

Advanced driving

If you can get an advanced driver qualification, insurers are likely to regard you as a lesser risk – and offer lower premiums for cover.

0333 305 5116

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Young driver? Want to save money?

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

How can I get the best young driver insurance cheaper?

While it’s difficult to get really cheap car insurance for young drivers, it’s possible to reduce your premiums in various ways:

Consider black box insurance for younger drivers

The more likely statistically a driver is to have an accident, the more expensive that person is to insure. But what if you could prove to insurers that you’re a careful and considerate driver? Luckily, modern technology now makes this possible.

Tracking devices (sometimes known as telematics or black box insurance) are gadgets that can be fitted to your car or installed on your mobile phone. They send your insurer details of your driving – not just speed, but timing of braking, accelerating and cornering – habits which can indicate good (or bad) driving.

By committing to black box insurance, you’ll allow your insurer to see how you drive. If your insurer gets positive feedback on your driving, they may award you cheaper premiums after some time.

Pay a voluntary excess on your young driver insurance

Excess is the portion of money you have to pay out of your own pocket if you make a claim on your car insurance. It’s normal for insurers to charge this excess before paying out, whatever the circumstances or whoever is to blame.

A way to reduce your insurance, if you’re confident of your driving, is to opt for a higher excess. For example, imagine you had an accident that cost £1,000 in repairs. Your insurance policy might state that you had to pay the first £300 yourself. By choosing to pay a higher excess – say £500 – you could reduce the cost of your premiums.

Young driver? Want to save money?

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

0333 305 5116

Contact us