Young Driver Insurance

We’ll search our panel for the best cover from the UK’s top insurance providers, to find newly qualified drivers the cheapest young driver insurance quote we can find. You can tailor your policy, so it fits your needs.


What is Young Driver Insurance?

Young driver insurance is a unique and specific insurance policy that is aimed at young or inexperienced drivers. It is designed for young people to give them the freedom on the open road without breaking their bank accounts.

Once you’ve passed your test and purchased your first car, the first thing you need to do is get insurance. Unfortunately, learner driver insurance won’t cut it anymore. By law, you’ll be required to get the minimum third party only (TPO) cover on your new car. This ensures that you and other drivers are protected if an accident occurs.

But you’ll probably struggle to find cheap car insurance as a first-time driver. That’s why we offer a range of affordable products that’ll help you make the best decision for yourself.

Why is Insurance Expensive for Young Drivers

Getting insurance for young drivers can be a pain. If you’re a driver between the ages of 17 and 24, you’ve probably thought ‘why is my insurance so expensive?’

There are several reasons to explain this.

But one of the main one’s is that young people are collectively perceived to be higher risks on the road than other, more experienced drivers.  

The expensive young driver quotes have been attributed to the fact that youthful drivers are considered to be a higher risk on the roads. In 2018 the Government reported that 18% of road and traffic casualties were caused by drivers between the ages of 17 and 24. As a result, insurers tend to increase their premiums for young drivers.

One of the other reasons for such high premiums for young driver’s is their lack of experience on the road. Of course, this is a double-edged sword. How can young drivers gain road experience if the insurance quotes are too high? 

But this is how insurers gauge the risk of a driver. To lower your premium, you’ll need to build up your No Claims Bonus (NCB). If you drive consecutive years without a claim, this will build up your NCB and your car insurance will become cheaper over time. 

Which Cover is right for you?

It is a legal requirement to have at least third party only (TPO) insurance cover on your car if you drive in the UK. We offer three levels of cover for car insurance.

Drivers are legally required to have at least third party only (TPO) on their vehicle. TPO only covers damages to the other driver’s car if you’re involved in an accident.

This policy provides the same level of cover as TPO, plus the addition of fire damage and theft to your car. 
Fully comprehensive provides cover to both your car and the other driver’s car if you’re involved in an accident. Plus it covers medical and legal expenses and liability insurance.

Choosing which cover you want to go for is totally up to you. But bear in mind that, selecting TPO over comprehensive won’t mean your insurance quote will be cheap. It’s important to see how much you’ll be quoted on each policy, so you can properly assess which option is best for you.

What we need from you!

Our insurance panel has access to the UK’s top insurance provider, so all you’ll need to do is compare your car insurance through us. Here are four things you’ll need to have close to you when you’re trying to get cheaper car insurance quotes.

Have your personal details ready for your quote journey. This includes, your name, address, date of birth, occupation and your drivers license number.

The next step is to tell us about your car. This includes, it’s previous owners (if applicable), the model, make, year and any modifications.

What type of cover do you think you’ll need? Think carefully on how you’ll be using your car. Tell us your annual mileage and whether you’d like TPO, TPFT or comprehensive cover.

After all those steps are complete, you’ll get your quote. Now, it’s up to you, to choose which quote you want.

If you require any further assistance or you’d rather have someone talk you through your options because your quote is too high. Please reach out to our team, 0333 222 4005.

How you can get cheaper car insurance as a young driver

There’s no arguing that car insurance can be expensive, but there are ways you can make sure you don’t pay more than you should. Getting your quote through us is the best way you can quickly compare prices on your car insurance. With our insurance panel, we have access to the quotes you’d receive from the UK’s top insurance providers.

5 tips that will lower your premium

  • Pay annually:

    Paying annually is one of the best ways to keep your premiums down. Without the interest generated from paying in installments, you could be saving hundreds on your car insurance. If your renewal is approaching or you’re considering switching, look around early for the types of quotes you’re likely to get. 

  • Modifications:

    Whether they’re aesthetic or performance-based, modifications to your car will make you insurance premium more expensive.  Especially for young drivers, mods can seriously increase how much insurers will charge you each year for your insurance.  You are required to state all alterations you have made to your vehicle, even if they are purely cosmetic.  Don’t worry, we have a specialist team at Quote Detective who work with people like you to get young driver insurance for modified cars.

  • Travel less miles:

    The less you travel in your car, the less you’ll pay. But don’t underestimate your mileage, as you could end up paying a fine or your policy could be invalidated.

  • Choose the right car:

    Choosing a smaller car or a car that’s in the lower car insurance groups will help lower your quote.

  • Switch to us: You up to £300 on your renewals when you buy through Quote Detective!  We are also a young driver insurance specialist.

Why Quote Detective for your car insurance?

Even the most experienced drivers will face challenging situations on the road, that’s just the way things go. From cracked windows to unexpected breakdowns, unexpected events can (and do happen). It pays to be well prepared for any situation you’ll face on the road. That’s why we make it so easy for our customers to find car insurance that not only saves them money but gives them peace of mind.

Cheapest Cars to insure for Young Drivers

The car you choose to insure will play a huge role in the price of your young driver insurance quotes. Insurance providers have placed cars in an insurance group, raging from 0-50. Cars in the lower tier groups are cheaper to insure, whilst cars in higher groups are more expensive to insure.  To get cheap young driver insurance in the UK, choosing a car in a lower group will be beneficial.

The pain of insuring your car won’t be as prominent if you choose cars in the lower groups. Here are some common cars young drivers choose as their first:

  • Vauxhall corsa.
  • Ford KA.
  • Toyota Aygo.

  • Citroen C1.

  • Fiat Panda.

These cars are just suggestions because they come from the lower insurance groups. If your car doesn’t match them , don’t worry, we’ll be able to find you cover for your vehicle, just give us a call on 0333 222 4005 to get some of the best young driver insurance UK.

Need to contact us?

Our friendly team is ready to help you with anything you need:

Monday – Friday : 8:30am to 7:00pm

Saturday : 9:00am to 2:00pm

Sunday and Bank Holidays : Closed


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