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It’s an exciting time if you’re just taking to the road. But it can be a confusing and expensive time, too. Fear not – we’re here to help. Whether you’re learning to drive in your parents’ car or getting your friend to teach you, you’re going to need the right car insurance. To help you find a good deal, we’ve put together this easy-to-follow guide answering your most pressing questions. Plus, check out our Young Drivers report, which will give you an idea of all the other costs involved in running your own car, information on the cheapest cars to insure and our guide for new drivers that’s full of practical help for newbies.
Simply put, it’s because younger drivers are statistically more likely to be involved in an accident than older drivers. Insurance providers keep a close eye on statistics, and teens (17 and 18 year olds) and early twenty-somethings of student age tend to be involved in more accidents (and worse accidents, for that matter) than older and more experienced drivers. In fact, 19% of all car accidents across the UK between 2010 and 2016 involved someone between the ages of 17 to 25.
If you’re having lessons with a professional driving school, then most of them include insurance in the price of the lessons. But if you want to practice in your own car, or in a friend’s or relative’s car, then you’ll need insurance.
Comprehensive car insurance may be the ideal type of insurance for you as a learner driver, as it provides the most cover. However, finding the most suitable policy as a learner driver will depend on your personal circumstances and how much you can afford. There are three main types of cover available:
It’s possible, yes. If you can share your car with an experienced driver, you could reduce the cost of your premium by adding them to your policy. The insurance provider takes both drivers’ information into consideration and creates a price based on each of you sharing the car.
In some cases, yes. If you’re a learner driver looking for cheap insurance, you might want to choose a higher voluntary excess. Although this could cost you more in the event of a claim, as you’ll need to pay the voluntary excess you choose as well as the compulsory excess set by the provider, it could mean a cheaper monthly premium in the short term. Just make sure you could afford the total in the event of actually needing to make a claim.
Yes – black box, or telematics, policies come with a little device or an app that monitors your driving habits. These are particularly good for learner drivers without a long record of driving safely. If you’re a safe driver, you could save on your insurance.
Probably, yes. Once you’ve passed your test and you’re no longer a learner, you’ll still probably pay a higher premium. Taking Pass Plus courses could help to increase your experience as a new driver and could decrease your car insurance premium as a result.
We independently compare more than 90 of the UK’s trusted car insurance providers to provide provisional licence drivers with great car insurance deals. We’ll show you policies based on price, policy cover level, add-ons or annual or monthly payment terms – helping you compare based on your needs.