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Keep Your Road Trips Secure with the Ideal First Time Drivers Car Insurance

Car insurance is something that every driver in the UK needs to have. If you’re a new driver, then unfortunately you will pay more for cover compared to somebody who’s experienced. How much you pay will depend very much on your age. Teenagers pay the most by far, since their age group is the riskiest when it comes to accidents and other types of claims. If you’re an older first time driver, then you’ll stay pay more than somebody with plenty of driving experience but less compared to teenagers and people in their early 20s.

You can easily compare first time drivers car insurance quotes now by clicking the green button. Further down the page is more information on the types of cover you can get, including additional cover options as well as FAQs.

Did you know…?

New drivers pay some of the highest premiums due to lack of experience and in the case of teenagers - being in a high risk group for claims.

Why It's Important To Get First Time Drivers Car Insurance

Getting insurance as a first time driver is incredibly important, even if you do have to pay a lot for it. Driving without insurance could easily land you in serious legal or financial trouble, so it’s not worth the risk.

Types Of First Time Drivers Car Insurance

The kind of car insurance you pick will dictate the degree of safeguarding you receive. The main options obtainable in the UK are:

  • Third-Party Only Insurance: This is the most fundamental form of car insurance and fulfils the least legal requirement in the UK. It provides coverage for injuries to others and damage to other people's property but excludes any damage to your vehicle.
  • Third-Party, Fire and Theft Insurance: This encompasses everything in Third-Party Only insurance, but with added protection against loss or damage to your vehicle from fire or theft.
  • Comprehensive Car Insurance: This is the highest level of cover available. It integrates everything from the Third-Party, Fire and Theft policy, and might also cover the cost of repairing or replacing your car, regardless of whether the accident was your fault or not.

Did you know…?

New drivers who are older will generally pay a lot less than teenage new drivers.

Why Getting First Time Drivers Car Insurance Is Recommended

Check out the great reasons to get First Time Drivers Car Insurance quotes below.

  • They allow users to browse through various quotes from different insurers, offering a wide range of options that cater to every requirement.
  • They serve as informative resources on what makes up good coverage, bolstering user confidence in finding reliable car insurance at a fair price.
  • These sites are accessible 24/7, accommodating busy individuals who can't shop for insurance during normal business hours.
  • Comparison websites offer cost-effectiveness by allowing side-by-side comparison of quotes and policies, ensuring transparency in prices and features for informed decision-making.
  • The real-time comparison of prices from various insurers aids in making an informed decision.
  • Robust security measures are employed to ensure data security, so users need not worry about their information's safety.

First Time Drivers Car Insurance - Optional Cover

Tailor your policy with these additional cover options for First Time Drivers Car Insurance

  • Breakdown Cover: With this add-on, you receive roadside assistance whenever your vehicle breaks down, providing you with peace of mind during every journey.
  • Legal Cover: This provides financial protection against any legal costs you might incur if you're involved in a legal dispute related to a road incident.
  • Courtesy Car Cover: If your car needs repairs after an accident, this cover ensures you're provided with a courtesy car, so your daily routine isn't disrupted.
  • Windscreen Cover: This cover provides protection against any damage to your windscreen, ensuring your view of the road remains crystal clear.
  • Personal Accident Cover: This provides you with a financial safety net in the unfortunate event of a severe accident, covering you or any named driver for certain injuries.
  • Key Cover: This offers you protection against the loss or theft of your car keys, covering the cost of replacement and even the locksmith's charges.
  • No Claims Discount Protection: With this, your no claims discount remains intact even if you make a claim, helping you maintain lower premiums in the future.
  • Excess Protection Cover: This covers the cost of your excess should you need to make a claim, meaning you won't be out of pocket when you most need it.
  • Uninsured Driver Protection: This ensures you're not left out of pocket if an uninsured driver hits your vehicle, covering your excess and protecting your no claims discount.
  • Foreign Use Cover: This extends your cover for driving abroad, providing you with the same level of protection as you enjoy at home.
  • Misfuelling Cover: Protects you against any repair costs if you accidentally put the wrong fuel in your car.
  • Child Car Seat Cover: In case of an accident, this cover provides funds for the replacement of any child car seats, even if there's no visible damage.

Did you know…?

Getting quotes is a great way to avoid overspending on car insurance.

First Time Drivers Car Insurance - Ways To Save Money

A few great ways to save money on First Time Drivers Car Insurance are –

  • No Claims Discount: Insurers may offer discounts to drivers who have not made a claim in a while. The longer you go without making a claim, the larger the discount could be.
  • Higher Excess: Agreeing to pay a higher voluntary excess (the amount you pay towards any claim) can lower your insurance premium. However, ensure that you can afford the excess in case you need to make a claim.
  • Advanced Driving Courses: Some insurers may offer discounts if you've completed an advanced driving course, such as those offered by the Institute of Advanced Motorists.
  • Maintain a Good Credit Score: Some insurers consider credit score when determining premiums. A good credit score can demonstrate that you're reliable and may lead to lower costs.
  • Review Your Coverage Annually: As your life changes, so do your insurance needs. Review your policy annually to make sure you're not paying for unnecessary coverage.
  • Telematics Insurance: Also known as 'black box' insurance, this involves a device being fitted to your car to monitor your driving. Good, safe driving can lead to lower premiums.

Compare First Time Drivers Car Insurance Quotes Now!

By comparing quotes on offer it takes the stress out of finding the right car insurance. Here's your checklist:
  • Start by putting in your personal info - they handle it with the highest security standards.
  • Provide the details of your car - this helps them personalise your options.
  • Don't forget your current insurance details - this aids in refining their recommendations.
  • Soon, specialist insurance providers will contact you with bespoke quotes.

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First Time Drivers Car Insurance FAQs

Why do new drivers pay more for cover?

New drivers pay more for their insurance simply because a lack of driving experience makes accidents more likely to occur. Once you have built up some experience, you can expect to pay less.

Does my age matter?

Yes. Age is a big factor that insurance providers consider. Teenagers are the highest risk group, so they pay the most for car insurance.

What other factors affect the cost of car insurance?

Other things that insurance providers consider are –

  • Your location
  • Your occupation
  • Where your car is parked