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Young driver insurance

Young driver insurance on your own car.
No curfews.
Earn your own No Claims Bonus.
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Car insurance for young drivers

Our young driver insurance covers you in your own car, on your own policy and in a wide range of vehicles under 16 years old. 

At A Choice, we’ve been helping young drivers find affordable car insurance for more than 25 years. As an insurance broker we do most of the legwork and shopping around for you. We have access to the best rates and work with a panel of insurance providers to help find cheap car insurance for young drivers.

Benefits for young drivers

  • Start earning your No Claims Bonus.
  • No driving curfews. Freedom to drive when you want.
  • UK call centre.
  • 24 hours, 7 days a week claims helpline.
  • Flexible payment options.
  • Wide range of optional extras.
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Young driver insurance without curfews

Some insurers restrict young drivers from driving at certain times, usually night time, to keep them away from higher risk situations. Our car insurance for young drivers gives you the freedom to drive when you want, where you want, with no curfews or penalties for driving at night.

hand holding document with car on front

Earn a No Claims Bonus

As a young driver, you could start earning a No Claims Bonus on your premium for each claim free year. And, if you’ve already had insurance through us as a provisional driver, you already have a head start if you’ve remained claim free on your own policy.

How can young drivers get cheaper car insurance?

As a young driver, the cost of car insurance can take a big chunk out of your earnings. At A Choice, we can help you find young drivers’ insurance by comparing quotes from our insurance panel and advising you on suitable policies.

The cost of insurance is calculated based on a wide range of factors. Whilst some factors are out of your control, such as age and experience, there are some things that you can do that will help to reduce the cost of your insurance.

Your choice of car

New car models are placed in insurance groups between 1 (cheapest to insure) and 50 (the most expensive). If you’re looking to save money on your car insurance, particularly if you’re looking for a new car, it’s worth doing some research to find out what group the car is in.

Although it may seem tempting, newer, more powerful cars may look good, but are typically more expensive to insure. So bear this in mind when you’re shopping around.

Add a named driver to your insurance policy

When you take out insurance with us, we’ll ask you if you want to add a named driver to your policy. Adding a more experienced driver with a claim-free history, such as a parent, guardian or older sibling may help reduce the cost of your insurance.

But, don’t declare them as the main driver as this misleads the insurer and you could be accused of ‘fronting’, which can invalidate your insurance.

Consider paying a higher voluntary excess

Your excess is the amount of money you’ll have to pay towards a claim made on your policy. Paying a higher voluntary excess amount will help to reduce your insurance premium. But bear in mind that if you do make a claim, you’ll have to pay both the compulsory and voluntary excess, so pick an excess amount that you can afford.

Drive safely

Young drivers tend to be more at risk on the road because of their lack of experience and a tendency of many to take risks. As a new driver, it’s important to ease yourself in to driving whilst you build up your experience on the road.

If you’re a safe and responsible driver, you can soon build up a No Claims Bonus in your own name if you don’t make a claim, which will reduce the cost of your insurance.

Here are some tips to help you on your way:

  • Stick to the speed limits.
  • Don’t approach bends and corners too fast.
  • Be extra careful in poor driving conditions.
  • Be wary of other road users.
  • Avoid dangerous overtaking.
  • Keep a safe distance between you and the car in front.
  • Avoid driving when you’re tired.

Avoid some car modifications

Modifications no matter how minor, can affect the cost of your car insurance.  Modifications can be either cosmetic or performance enhancing. Examples include, altering your suspension, upgrading your exhaust, and investing in alloy wheels.

However, not all modifications can increase your premium. For example, fitting a security device may help lower your premium.

If you want to know how a modification can affect your car insurance, check with your insurance provider.

You must always declare any modification, as some may invalidate your insurance if not disclosed.

Improve your security

Improving your vehicle’s security could help you get cheaper insurance.

Firstly, you should keep your car somewhere safe, such as a garage, driveway or somewhere in sight of a CCTV camera.

If you can, invest in a good quality security device for your vehicle. Not only could this help reduce your premium, it will also give you peace of mind. But bear in mind that what you might save on your cover as a result, may not outweigh your investment in security.

When considering what to buy, look for devices approved by Thatcham, an independent group that rates the different types of car alarms and immobilisers on the market.

Pay annually

Whilst this may be difficult for young drivers, it’s usually cheaper to pay your insurance upfront for the year in one single payment, than by monthly instalments. If possible, try to put away a little money each month for next year’s insurance.

More information

If you would like further information, call us on 0330 127 4500 or email us.

Further reading for young drivers

The Highway Code

Think! Road safety

RoSPA: Road safety

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