Insurance for under 25’s

Low cost car insurance for young drivers

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Under 25 car insurance

Car insurance for young drivers under 25

Finding car insurance for first time drivers can be a bit of a nightmare.  At My First we specialise in finding quality insurance for young drivers at highly competitive prices.

Why is under 25 car insurance so expensive?

Insurance companies price premiums according to general trends. Unfortunately, however careful a driver you may be, as an under-25, your insurance will be much higher than an older driver’s because the probability is that you’ll have a serious accident. In fact, the road safety charity Brake reports that nearly one in four 18-24 year olds (23%) crash within two years of passing their driving test.

This scary statistic might be due to a number of factors:

Experience plays a big role in road safety. For example, if you’ve almost lost control of a car on a wet road, you’ll have learnt the hard way to slow down in the rain. New drivers can be overconfident, especially if they’ve learnt fast and passed their test with flying colours.

Risk-taking is another prime characteristic of young drivers, with speeding, blind overtaking, driving while on drugs and not wearing seat belts being much more common than in older drivers. According to Brake, “this may be because the frontal lobe, the part of the brain that helps control impulses and emotions and assesses risk, is not fully developed until your mid-20s.”

Night-driving. Night is statistically the most dangerous time to drive, with up to 40% of collisions occurring in the hours of darkness. There are many possible reasons for this:

  • Drivers are naturally more tired at night and may fall asleep at the wheel
  • Visibility is reduced and distances are harder to judge
  • Drink and drugs are more likely to be factors in dangerous driving

Add to all this the inexperience of youth, and the chances of a serious accident increase massively.

Young driver under 25? Get the insurance you need today!

We can help! Contact us today for free quotes.

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What does young driver insurance include?

There are of course many parts to any car insurance policy, but for young drivers the main points to consider are:

Chose your cover level

Third party insurance is the most basic cover level required in the UK. It will also be cheaper – but be sure you are happy that you’re adequately protected.

Black Box Insurance

Letting the insurer get an insight into your driving style and proving you’re sensible can lead to savings on your insurance premium.

Limit your mileage

If you can, commit to driving a lower annual mileage. Insurers recognise that if you’re spending less time behind the wheel, you’re less likely to make a claim.

0333 305 5116

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Young driver under 25? Want to save money on car insurance?

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

How to get cheap car insurance for first time drivers under 25?

Sadly, there’s no such thing as really cheap insurance for under 25 drivers. However, there are various ways that you can get a better deal:

Choose a curfew or limited mileage. Going back to that statistic about night-time driving, if you opt to avoid the most dangerous hours on the road, your insurer may reward you with a more economical policy. The same goes if you choose a policy that limits your mileage, with or without a curfew.

You may have heard of black boxes or telematics technology. These are gadgets that can be fitted to the dashboard of your car, which send information about your driving to your insurer. If you can prove that you drive carefully – i.e. stick to speed limits, avoid sharp cornering and sudden braking etc. – certain insurance companies will reduce the price of your premiums. This can happen as early as three months into your policy.

An increased excess is another way you can save on your insurance if you’re under 25. The excess is the amount you have to cover yourself if you make a claim. Opting for a higher excess (which of course you’ll only have to pay if you have an accident) can bring down the price of your premiums.

Cheap car insurance for young drivers under 25

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

0333 305 5116

Contact us