What type of car insurance does a new driver need?
There are three options to choose from when you’re getting a quote. The type of cover you need will depend on your own circumstances and how you use your car. The three options are:
- Third party only
- Third party, fire and theft
- Fully comprehensive
- Save up to £407 on your car insurance*
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How to get a cheaper quote on your first car insurance policy
There are some things you can do that could help make your car insurance cheaper, even if you are new to driving or it’s your first time getting an insurance policy.
- Choose the right car
- Shop around by comparing prices
- Add a named driver
- Pay annually
- Consider a black box policy
- Be accurate with your anticipated mileage
- Increase your voluntary excess.
Choose the right car as the make and model of your car can influence the cost of your insurance. Expensive cars with bigger engines and higher repair costs generally cost more to insure. Cars with widely available parts and smaller engines usually cost less to insure.
Shop around. Comparing quotes from a range of companies gives you more choice and a wider selection of policies to choose from.
Add a named driver as having an experienced driver on your policy may help reduce your price. Always list the person who drives the car most often as the main driver, and any occasional drivers as additional. Otherwise, this is seen as 'fronting', which is illegal.
Pay upfront if you can afford to. While opting to pay monthly means you can spread the cost, it can increase your price by up to 15% because insurers will charge you interest for the privilege. (Based on Confused.com data Oct 22 - Feb 23)
Drive carefully to build up your no-claims bonus. Over time a no-claims bonus is likely to help save you money. Most insurers will offer discounts for drivers who don’t claim.
Consider a black box policy to monitor your driving. Telematics, or black box policies, use an app or box that’s installed in your car to monitor your driving. Your insurance costs are calculated based on how and when you drive. If you drive safely, it can make car insurance more affordable for new drivers.
Be accurate with your anticipated mileage as the more you drive, the higher your road-risk. Higher mileage usually means higher insurance costs, so don’t put down more than you need.
Consider your voluntary excess. The more you agree to pay, the lower your insurance costs are likely to be. However, you must select an amount you’d be able to afford in the event of a claim.
See our guide for more tips on how to save money on your car insurance.
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Is black box insurance good for new drivers?
Black box insurance policies can help lower the cost of new driver insurance, depending on how well you drive.
With black box insurance, various aspects of your driving are monitored, either by an app on your phone, or through a telematics device fitted to your car.
Using this information, your insurance company then gives you a personalised quote based on your driving habits.
By driving safely, keeping your mileage down and avoiding night time driving wherever possible, it's possible to cut the cost of insurance for new drivers.
But, if you are speeding, braking harshly and racking up miles overnight, you may end up paying more.
Things you might be monitored on include:
- Your acceleration
- Your braking
- The speed of your cornering
- Your mileage
- The time of day you drive
What our car insurance expert says
Car insurance for new drivers can be expensive. There are things you can try to save yourself some money though. For starters you could try a black box insurance policy, choose to drive a smaller or less powerful car, or even just compare quotes to find a cheaper deal.
Car insurance expert
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Types of car insurance
Temporary car insurance
offers short-term comprehensive cover from one hour to 28 days.
Car insurance for 17-year olds
helps protect young drivers out on the road for the first time.
Black box car insurance
lets you prove you’re a safe driver, and save money on your policy, even if you’re inexperienced or seen as high risk.
Learner driver car insurance
gives learners the protection to safely practice on the road.
Multi car insurance
lets you insure one or more cars on the same policy.
Classic car insurance
offers cover for owners of classic cars. For insurance purposes, a classic car can be any car that’s older than 15 years.
Business car insurance
covers you if you use your car for work, including travelling between offices or across the country.
is a legal requirement if you're driving in the UK. Find out more about choosing the right cover at the right price.
Need more help?
Can I drive other people’s cars on my insurance?
The option to drive other cars (DOC) isn’t always included automatically on your insurance policy. Insurers who do offer DOC will require you to be at least 25 or over when your policy starts. To find out more, take a look at our guide on driving other cars.
Will an advanced driving course help make my insurance cheaper?
Few insurers offer up-front discounts for taking advanced driving courses such as pass plus.
It's still worth letting us know if you have an advanced driving course when you get a quote just in case.
What is NCB?
A no-claims bonus (NCB) takes into account the total number of years where you’ve not made a claim on your car insurance policy.
If this is your first insurance policy, you won’t yet have any NCB, but you can start building one from the start of your first policy.
Insurers only accept each full year of insurance without a claim, so if you cancel a policy part way through the year, you won’t earn a bonus for that period.
Proof of a no-claims bonus is usually only valid for two years, so if you take a break from driving and don’t use your bonus on a policy within two years, you’ll go back to square one next time you take out a policy.
The discount offered by insurers can be significant in reducing the price of your insurance.
What is voluntary excess?
Voluntary excess is an amount you agree to pay towards the cost of a claim. The more you agree to pay the lower your premiums are likely to be. The voluntary excess will be in addition to a compulsory excess which will be specified by your policy.
Let’s say you have a voluntary excess of £250 and a compulsory excess of £100, that means you’d pay a total excess of £350. When you get a quote, we clearly show the breakdown of excesses on the policy, so be sure to choose an amount that you can afford to pay if you need to make a claim.
Is it cheaper for young drivers to drive their parent’s car?
Asking your parents to add you as a named driver to their car, could be cheaper than taking out your own policy on another car.
However, it’s important that if you were using the car more than them, this would be ‘fronting’ which is against the law and could invalidate the policy.
Your parents would also need to be aware that if you needed to make a claim on their insurance, they could lose their no claims discount.
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