Why New Drivers Face Higher Premiums
New drivers are seen as higher risk by insurers. With less experience on the road, statistics show they’re more likely to have accidents. That risk is reflected in higher premiums, especially for drivers under 25. But buying car insurance online gives new drivers more choice and control, making it easier to find fair cover without endless phone calls or paperwork.
Step 1: Understand the Types of Cover
Choosing the right type of policy is the first step:
- Third Party Only – the legal minimum. Covers damage to others but not your car. Often poor value for new drivers because premiums can still be high.
- Third Party, Fire and Theft – adds cover if your car is stolen or damaged by fire. A step up, but still limited.
- Comprehensive – covers your car as well as others. Surprisingly, this can sometimes be cheaper for new drivers because it attracts more insurers competing for business.
Step 2: Consider Telematics Policies
Also called “black box insurance,” telematics policies track your driving style. If you drive safely, avoid harsh braking, and don’t drive late at night, your premium could fall over time. These policies aren’t for everyone, but they’re a practical option for young drivers struggling with high costs.
Step 3: Add an Experienced Named Driver
Adding an older, experienced driver - such as a parent - can reduce your premium. But be careful. The main driver must always be the person who actually drives the car most often. Pretending otherwise is called “fronting” and it’s illegal.
Step 4: Compare Quotes Online
Comparison sites are a new driver’s best friend. By entering your details once, you’ll see a wide range of policies instantly. Check at least two sites, and also look at direct-only insurers who don’t appear on comparison platforms.
Scenario Example
Imagine a 19-year-old buying their first car, a small hatchback. Their first quote is £2,000. By switching from Third Party Only to Comprehensive, adding a parent as a named driver, and considering a telematics policy, they reduce the premium to £1,400. Same car, same driver; astute policy choices make the difference.
FAQs for New Drivers
Is Third Party Only always the cheapest?
No. For new drivers, comprehensive cover is often cheaper because insurers view it as less risky behaviour.
Do I have to use a black box?
No. Telematics is optional. It suits some drivers but not others, depending on your habits and lifestyle.
Will premiums drop after the first year?
If you build a no claims discount and avoid accidents, your second-year quote is usually lower.
What We've Learned:
Buying car insurance online as a new driver can feel overwhelming, but it doesn’t have to be. With careful research, accurate details, and an open mind to options like telematics, you can find cover that might protect you whilst keeping costs under control.