New Driver Insurance
Congratulations on passing your driving test! We know you can’t wait to get out on the road on your own, but before you do, you'll need to look for your first car insurance. 4 Young Drivers is here to help make it affordable for you.
As a new driver, you’re probably dreading how much it's going to set you back.
Why is car insurance more expensive for new drivers?
Unfortunately it’s going to take a while to build on your new qualification and gain experience behind the wheel. This makes first time drivers a higher risk for insurers, hence the higher premiums. You probably have some strong opinions about the fairness of that, but 4 Young Drivers will soften the blow as much as we can.
Cheap insurance for first time drivers
We specialise in finding cheap insurance deals for young drivers and have contacts with a wide panel of insurance companies. If you’ve recently passed your test give us a try and see how much we can save you on your first car insurance.
Quotes are FREE and they only take a few minutes!
Reducing the cost of insurance for first-time drivers
Pass Plus driver training
Pass Plus is a practical training course which is ideal for new drivers in the first year after passing their driving test while they are gaining experience.
The course takes at least six hours and aims to improve a driver’s skills and safety. The Pass Plus course must be run by an approved driving instructor, but if you successfully complete the course you will be a lower risk to an insurer than average the new driver. It may help you to secure a discount on your new driver insurance.
Don’t risk being uninsured
The numbers of recorded accidents involving uninsured drivers has been growing steadily in recent years and the government has pledged to crack down on this. With the introduction of Continuous Insurance Enforcement, every car, whether on or off the road MUST be insured.
Although car insurance for new drivers can seem expensive, the alternative if you’re caught driving without it could result in steep penalties such as a large fine, court proceedings, a criminal record and having your vehicle seized and destroyed.
Should you have your own insurance policy?
If you are a first time driver you might also have permission to drive your parents’ car. If you are only an occasional driver on this vehicle you might consider being insured as an additional driver under their insurance.
Whilst this is an option, putting off the time when you start earning a no claims bonus in your own name (and saving money) is only delaying the inevitable.
If you are more than just an occasional driver on your parents’ car (ie you are the main driver) you must take out the insurance in your own name.
If you have already bought a car of your own, again, you must insure it in your own name. Pretending that it is your parents and that you are not the main driver is called "Fronting". That's an offense and will invalidate the insurance policy in the event of an accident.
We've written more about fronting and when you should insure a car in your own name here.
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- Teenage Driver Insurance
- Learner Driver Insurance
- How the No Claim Bonus system works
- Rules for Learner Drivers
- Rules for Supervising Learner Drivers
- Student Driver Insurance
- Should you take your car to University?
- What are the best cars for young drivers?
- After the Test - Tips to help new drivers gain experience and have fewer accidents