Car insurance for new drivers – Forbes Advisor UK


As a new driver, you’ll probably want to hit the road as early as possible, so you’ll need to make sure your car is properly insured.

Auto insurers tend to charge those who have recently passed their tests higher premiums than drivers with more experience, but there are ways to cut costs.

Here we tell you everything you need to know about auto insurance if you are a new driver.

What type of coverage is available?

Whether you are new to the road, or a more experienced driver, the coverage available to you will be the same:

Third parties only This type of insurance covers you against the cost of damage to another person, their car and their property in the event of an accident. It also covers your passengers. It does not cover damage to you or your own vehicle. This is the minimum level of coverage required by law.

Third Party Fire and Theft (TPF & T) This provides the same coverage as the third party, and it will also cover your car if it is stolen or damaged by fire.

Completely complete In addition to TPF & T coverage, this type of auto insurance covers your own repairs and medical bills and other expenses.

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Choose from a range of policy options for affordable coverage that’s right for you and your car.

How are my premiums calculated?

Auto insurers will ask you for a variety of information to determine the premium price, including:

  • Your age Young drivers are generally involved in more car accidents and are therefore often charged more in premiums.
  • Your driving experience As a new driver this will necessarily be limited meaning you will face higher premiums than someone who has been driving for several years.
  • Your address Some areas are known for high numbers of drivers making claims due to accident hot spots or high auto crime rates
  • Your occupation Auto insurers use information from past claims by people in your industry to determine how risky your profession is for you and how it affects your premium.
  • Your annual mileage The more you intend to use your car, the more likely it is to be involved in an accident
  • Your car The make and model of your car will influence your premium. Powerful and expensive cars tend to cost more to insure. You can read more about auto insurance groups here.

How can I lower my premiums?

Auto insurers view new drivers as the most at-risk group of drivers, especially if they are young. This is reflected in the top prices which tend to go up for new drivers, especially those under the age of 25, but there are ways to keep costs down:

  • Build your No Complain Shed (NCD) Auto insurers reward drivers with a discount (or “bonus”) on their premiums. This increases with each year they don’t make a claim and can reach 65% or even 70% after five years without a claim. You can normally take your MNT with you when you change insurer.
  • Pay a higher deductible You will have to pay a predetermined amount for any claim you make on your auto insurance – this is called the “deductible” and is deducted from any payment you receive. The deductible comes in two parts: the compulsory deductible (set by the insurer) and the voluntary deductible, chosen by you. The higher the combined amount, the lower your premiums, but there will be a limit to the height of the voluntary deductible. Most importantly, you shouldn’t leave yourself with a surplus that you can’t afford to pay, as that would mean you couldn’t pay a repair bill, for example.
  • Pay annually If you can, pay your insurance all at once. It can be tempting to split the cost into monthly installments, but interest will add to the premium and you will end up paying more. If you can’t pay the annual premium, you can use a 0% purchasing credit card to pay it off, then pay off the balance over 12 months, without interest.
  • Add a named pilot to your policy Adding a more experienced driver to your insurance as a “named driver,” such as a partner, suggests that you won’t be driving the car often and reduces potential risk. Make sure the person who drives the most is listed as the primary driver.
  • Complete an advanced driving course While advanced driving courses aim to boost your confidence on the road, some insurers may offer lower premiums if you’ve taken one. Recognized courses include the government Pass Plus as well as those run by IAM RoadSmart (formerly known as the Institute of Advanced Motorists) and RoSPA (The Royal Society for the Prevention of Accidents).
  • Choose a black box / telematics policy Black box or telematics insurers (like By Miles, Carrot Insurance and Insure the Box) use GPS tracking and smart technology via a device installed in your car or an app on your phone, to monitor your driving and reward responsible drivers with lower premiums.
  • Keep your car safe Drivers pay lower premiums if their car is parked in a garage or driveway rather than on the road. Cars with enhanced safety features will generally cost less to insure.

Compare auto insurance quotes

Choose from a range of policy options for affordable coverage that’s right for you and your car.


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