Car Insurance for Young Drivers

When young drivers apply for a car insurance quote directly or through a comparison website, the insurance provider will do a “soft check.” Don’t worry; this is to check your details and won’t affect your credit score.

However, Insurance providers will do a “hard search” (credit check) if you want to pay for your car insurance monthly.

It depends!

Comprehensive insurance is undoubtedly the best available – it offers the most protection and can give you lower insurance premiums.

However, as there are more types of incidents to pay for, your insurer can sometimes charge a high premium.

Insurers also take into account the psychology of their customers – if someone is looking to buy a less comprehensive cover, they could potentially be less responsible and more likely to crash in the first place.

In general, it’s hard to predict. Make sure you always compare the price of comprehensive insurance, even if you’re shopping around for the cheapest one possible. You can often find it for the same price or even cheaper than a lower cover plan!

 

Sadly yes, the cost of your insurance will be affected by your occupation. It is just one of many factors that the insurance company will use to work out how much to charge you.

However, you mustn’t try to change your job title to reduce your quote price. You could get caught out here and even end up paying more!

Also, if your occupation means a lot of driving, you can expect a higher premium – due to more time on the road!

 

There are many free car valuation tools online that you can use to estimate your car’s value for your insurance quote.

You can also look at used-car listings to see the current price of a similar model and condition to yours.

The car’s current value depends on a range of factors, including its make, age, mileage, service history, modifications, and general condition.

Typically, you don’t have to be 100% accurate when applying for insurance. Give an approximate value based on your research.

 

Your insurance quote will ask for how many miles you drive a year.

Never overestimate. You’ll end up paying more for your insurance. In the same token, don’t underestimate, as you could invalidate your policy.

You can estimate your mileage by calculating how many miles you drive every day or week and then adding them to work out your annual use.

Alternatively, check your MOT certificate or car service record, which will show how many miles you’ve driven. You can use this as a basis to calculate your future mileage!

 

In the vast majority of plans, No.

Some fully comprehensive car insurance policies allow the main driver on that policy to drive someone else’s car (naturally, look into your policy documents to be 100% sure)!

Unfortunately, very few insurance policies include new, young or inexperienced drivers driving a car belonging to someone else.

Your DVLA licence tells the insurer many things about you.

You have to provide this so that the insurer can have accurate data on your driving history.

If you don’t, you could have your claim invalidated in the event of an accident, costing you a fortune and rendering the insurance pointless!

DVLA will tell your insurer:

• You’re legally entitled to drive.
• Any penalty points or convictions you have.
• Past disqualifications.
• The type of license and how long you’ve held it.

 

Yes! Your new insurer will ask you how much NCB you’re entitled to and then do their checks.

Most of the time, insurers will do this on your behalf. However, insurers aren’t exact equals, so an insurer can work from their no-claims discount schemes and work to their own rules.

Occasionally, you may need to supply evidence from your previous insurer to prove that you have an NCB. Get in touch with your old insurer if you need to acquire any written records.

Many insurers won’t recognise no-claims bonuses that you’ve gained as a named driver on someone else’s policy (like a parent). Also, if you’ve been off the road for a few years, your no-claims discount likely won’t be valid anymore.

 

 

Unfortunately, yes. Driver insurance premiums can increase year on year whether you claim or not, so you can guarantee your insurance price will go up if you have an insurance claim.

 

When you get car insurance quotes via YoungCarDriver, you’ll notice that some insurers use ‘real-time’ pricing, while others hold their price between 10 and 30 days.

We can’t guarantee you the same price if you come back later – your quote could go up. You are more likely to achieve a lower quote the earlier you start looking.

Cancel your drivers insurance policy within the 14 days cooling-off period, and your insurer will refund you less any time you’ve already had covered.

Also, most insurers reserve the right to charge an admin fee – which can be pretty high, so make sure you’re happy with that before you sign on the dotted line.

If you cancel after the cooling-off period and pay by monthly instalments, you may not be entitled to a refund. Some providers may charge an extra premium to include the time you’ve had covered and a cancellation fee. Take a look at your policy for details.

 

There shouldn’t be any fees to your policy unless you cancel or require replacement documents.

However, most insurers charge an adjustment fee for changing an address or adding a driver to the policy. At the same time, other providers may allow you to make simple changes online without a charge.

 

Right here at YoungCarDriver! Compare a wide range of the UK’s most trusted car insurance providers to find competitive driver insurance deals.

Compare car insurance for young drivers today and start saving.