Cheap Car Insurance For First Time Drivers

New On The Road? Compare Quotes To Find A Great Deal

Compare Quotes

Compare Quotes For New Drivers
Complete our form to compare quotes from multiple insurance companies

Blackbox Or No Blackbox – You Decide
Compare quotes with or without black box technology to find a suitable new driver policy

Short, Simple Quote Form
Fill out our short form and be called by specialist new driver brokers to arrange a quote

Advice For First Time Drivers Looking For Insurance

As a first time driver you will most likely pay more for your insurance now than at any other point during your time on the road. However, one way to keep that cost as low as possible is to make sure you choose the right car, that is if you haven’t already bought it.

If you are in the market for a car then have a look at our list of the cheapest cars to insure 

There’s plenty to choose from and choosing any of the cars in the list above will help keep your insurance quotes down.

In general you want to go for a car in a lower insurance group as they pose less risk to the insurer. Group 1 ideally as that is the lowest.

Black boxes have risen hugely in popularity over recent years especially for new drivers who obviously have not yet built up a NCB (no claims bonus).

This rise in popularity is fuelled primarily by the fact that good drivers are rewarded with a cheaper policy. It’s also worth bearing in mind that this works both ways so if your driving isn’t up to scratch in the eyes of the insurance provider then you may face paying more when it comes to renewal and you’d there be better off without a black box.

Although you may not like the idea of having your driving monitored, for most people price will be the deciding factor. When you compare quotes, take a lot at both options and see what suits you best.

As a first time driver, you may not be familiar with the various policy types and what they mean to you. The big decision is between third party, third party fire and theft and fully comprehensive.

Third Party Cover

Provides protection against damage to third parties, i.e. others involved an their property.

Third Party, Fire and Theft Cover

This provides protection as above but also includes cover for fire damage and theft of your vehicle

Fully Comp Cover

This includes the above as well as covering you for damage to your own vehicle.

So what should you choose? Prices will vary between the options with third party often being cheaper but you have to consider that if you are at fault in a crash, damage to your vehicle will not be repaired by the insurer as part of your claim, so it could be more costly in the long run.

Also it’s worth remembering that first time drivers under 25 are statistically more likely to crash, so take the time to weigh up the options carefully.

Opting for a higher excess will give you a cheaper quote, but that doesn’t mean you’ll save money in the long run. If you happen to have a claim during the year, remember that you will be having to pay that excess amount. For inexperienced drivers there may be a combination of both an involuntary excess as well as a voluntary one.

Have a think about whether you would be able to afford to pay a large excess should you ever need to make a claim.

Remember, it’s not always the case that you’ll be claiming for something you have done. For example, if your car is parked on the road and is hit by another car that drives off without leaving contact details, you may need to claim on your own insurance to fix the damage, ouch.

Insurance is legally required to drive on the roads in the UK, so yes you do need it.