It's not easy to
get cheap young drivers insurance in the UK. The under-25s are high
risk drivers and their car insurance premium reflects this. What can be
done?
Well, thankfully, quite a lot can be done to reduce the cost of young
drivers insurance and it begins with the choice of car. Get a car
insurance group one car and you will save hundreds, even
thousands, over the years as you build up a no claims discount.
There are some acceptable cars in this group, for example a Corsa, that
are perfectly adequate first time cars in most cases and have the
advantage of saving you money on fuel and maintenence costs too.
In terms of policy inteventions, there's a lot you can do for cheaper young
drivers insurance. You can increase the excess; select a
highly pragmatic, 'no frills', type policy; add an over-25 year old as
a second driver; cap your annual mileage; improve your car security,
including off-road overnight storage where possible; even opt for third
party cover only.
The latter, however, carries certain risks relating to lack of cover
for personal injury or injury to a passenger where you were at fault
for the accident and, because of this, we do not recommend it for young
drivers insurance.
The other caveat is that you shouldn't overdo these approaches as you
could end up with an excessively paired down policy that is better
avoided as it could cost you dearly in an accident.
How and where you get your young drivers insurance
policy also matters, of course. It is a good idea to compare young
drivers insurance quotes, for example, via our own price comparison
system (below).
We can also suggest using Endsleigh that specialises in providing cheap
young drivers insurance cover and is
well able to identify an impressive price.
Whatever route you select to find your own young drivers
insurance cover, the resources below should help. We've
included some popular direct car insurance providers in addition to
Endsleigh which you may also want to consider.
At the top of this page, you can also select from three price
comparison services, including our own one powered by Quotezone.
While it's relatively easy to find quotes online, don't rush to
purchase the cheapest until you have checked the cover over carefully
and are sure it's what you want from your young drivers
insurance cover. Better that you pay a little more than that
you end up with a policy which you would much rather have avoided in an
accident.