Young and Learner Driver Car Insurance
Insurance for young drivers
As a young new driver looking for cheap car insurance quotes, you will know how difficult it can be to find anyone to offer you a quote, let alone a cheap one. As an insurance risk, the younger you are, the less experienced you are as a driver and unfortunately but statistically, you are more likely to make an insurance claim than any other category of driver. For this reason, the majority of insurance companies reflect this claims probability in the premiums they quote for new driver car insurance.
"As a 17 year old and having just passed my test, I am paying a very high insurance premium for my car, even though it is in a low insurance group. Looking around for the cheapest quote saved me loads, though, both on the premium and on the excess."
Generally speaking, if you are aged under 21, or in some cases a driver aged under 25, most insurance companies will load your car insurance premiums according to your age. So a 17 year old provisional licence holder will pay more than a driver aged 18, 19 or 20 who has passed their driving test. At these ages and with these premiums, the incentive for a learner driver to build up a no claims bonus is obvious and can make an enormous difference to a young drivers insurance premium.
Fortunately not all insurance companies impose such large insurance quotes for young learner drivers. The way that QuoteRack works is to send the details that you put into the website to expert insurance brokers who specialise in offering under 21 car insurance. So if there is a cheap quote for young drivers out there, our brokers will do their best to find it for you.
One great way to help yourself with lowering your insurance premiums is to consider the Pass Plus scheme - please the link below for more information.
You may also be interested in female driver car insurance and insurance for drivers with accidents or convictions.
Under 25 drivers insurance - links
Pass Plus
For information about Pass Plus please visit their website for more information.
Advice for Learner and New Drivers
For Government information that will be of benefit to learner drivers, please visit the DirectGov website.
"For many young drivers and particularly provisional licence holders, they may find that their car insurance quote is actually higher than the value of the car."
"We tried to add our 18 year old son on to our policy as a named driver but it was suggested he took out insurance in his own name and earn his own no claims discount from scratch."