Young and New Driver Car Insurance
A Choice Insurance specialises in young driver insurance for newly qualified drivers, offering competitive cover and the ability to build your own No Claims Bonus.
- Young drivers aged 18-25
- Competitive insurance for young drivers
- Policies tailored for young drivers
- Build you own No Claims Bonus
What is young driver insurance?
Young driver insurance is designed for newly qualified and inexperienced drivers who often face higher insurance costs due to limited driving experience.
At A Choice, we’ve been helping young drivers find car insurance for 27 years. We work with a panel of insurers who specialise in young driver policies, helping drivers find suitable cover that balances affordability and protection.
Why is insurance so expensive for young drivers?
Young drivers generally pay more for insurance because they have less driving experience and are more likely to make a claim.
Insurers look at factors such as:
- Your age and driving experience
- The type of car you drive
- Where you live
- Annual mileage
- Claims and driving history
As you gain experience and build a No Claims Bonus, insurance costs often become more affordable. While some factors can’t be changed, there are still ways to help reduce the cost of cover.
What are the benefits of insurance for young drivers?
- Build your own No Claims Bonus
Hold a policy in your own name and start building a No Claims Bonus to help reduce future costs. - Continue after passing your test
If you insured a learner policy with A Choice, you may be able to continue as a young driver without starting again. - Cover on a wide range of cars
Young driver insurance can be available on many vehicle types, subject to insurer criteria.
Who can get young driver insurance?
We help young drivers find competitive insurance from a panel of specialist insurers, tailored to your needs and budget.
Young driver cover is typically suitable for:
- Drivers aged 18-25
- Full UK driving licence holders
- Drivers with access to a suitable vehicle
- Customers who meet insurer underwriting criteria
From learner driver to young driver
Many of our customers continue their insurance journey with A Choice after passing their test. If you’ve already been insured as a learner driver through us, you may already have a No Claims Bonus in place when moving to a young driver policy.
Just passed your test? Moving on from a learner policy
When you pass, make sure you’re insured as a full licence holder before you drive on your own: depending on your insurer, your learner policy may end or may be able to continue.
- Insured as a learner with us? Tell us as soon as you pass. Call 0330 127 4500 and choose option 3 to speak to our Adjustments team, who will go through your options, including whether your policy can be updated to a full licence.
- An additional premium may apply when a policy is updated after you pass.
- No Claims Bonus: on an annual learner policy with us, you start building a No Claims Bonus from day one. After 12 months of cover, you can earn one year’s No Claims Bonus, as long as you haven’t made a claim, or any non-fault claim has been fully settled without affecting it.
- New to A Choice? You can get a young driver quote online or by phone.
Read more about learner driver insurance and what happens when you pass your driving test.
How can young drivers reduce the cost of insurance?
There are several ways young drivers may be able to lower insurance costs:
- Choose a lower insurance group vehicle
- Build driving experience safely
- Add an experienced named driver
- Increase voluntary excess where appropriate
- Avoid unnecessary modifications
- Build a No Claims Bonus by staying claim free
Do young drivers need a black box?
Some insurers offer young driver insurance without telematics or driving curfews, while others may require a black box depending on the policy and driver profile. At A Choice Insurance, we can help compare suitable policies from our panel of insurers based on your circumstances.
If you choose a black box (telematics) policy through us:
- You’re covered from the start of the policy, but you need to fit the device as soon as it arrives by post.
- The device must stay fitted and working for the whole policy. Removing it or interfering with it can lead to the policy being cancelled.
- There are no curfews, but your driving score reflects how and when you drive, including speed, braking, cornering and time of day. Regularly driving late at night (for example between 11pm and 5am) lowers your score.
- Regular speeding, or a driving score that falls below an acceptable level, can mean the policy can’t continue.
- Our telematics policies don’t cover using the car for deliveries, even on a temporary basis to help out a friend.
Named driver or your own policy?
Many young drivers start out as a named driver on a parent’s policy. It can be a way to gain experience, but there are trade-offs:
- Adding a young named driver usually increases the policyholder’s premium.
- As a named driver, you won’t usually build a No Claims Bonus in your own name.
- With your own policy, you can start building your own No Claims Bonus by staying claim-free.
Fronting is illegal. If you’re the main driver of a car, you must not be insured as a named driver on someone else’s policy to make it cheaper. This is called fronting, and it can mean a claim isn’t paid and the policy is cancelled.
What happens after you build a No Claims Bonus
As you gain more driving experience and remain claim-free, your No Claims Bonus can help reduce future insurance premiums.
Many young drivers who begin with a learner driver policy are able to continue building their driving history through a young driver policy with A Choice Insurance.
Why choose A Choice for young driver insurance?
- Over 27 years of helping new drivers get on the road.
- Access to insurers who specialise in young drivers
- Flexible payment options
- Friendly call centre to help answer your queries
- 24/7 claims helpline.
- Wide range of optional products
Customer Reviews
Trusted by young drivers across the UK
Young driver insurance FAQ's
Yes – we specialise in helping young and inexperienced drivers find suitable insurance through a panel of insurers who understand the needs of new drivers.
Some insurers offer policies without telematics or driving curfews, depending on your circumstances and vehicle.
Yes. If you hold your own insurance policy and remain claim-free, you can begin building a No Claims Bonus in your own name.
Yes. Once you pass your test you must inform as soon as possible so we can update your policy to a full UK licence.
You can call us on 0330 127 4500 and select option 3 to speak with our Adjustments team. Our helpful agents will update your policy and discuss the options available to you.
Adding an experienced named driver may help lower premiums, depending on the overall risk, provided all driver details are accurate.
Yes, it’s generally possible for your parents to add you as a named driver on their car insurance policy, provided you’re not the main driver of the car.
However, it’s important to note that this will increase your parents’ insurance premium. You also won’t start earning a No Claims Bonus, starting to earn your own NCB helps to reduce your insurance premiums sooner.
Fronting is when someone else, often a parent, is named as the main driver on a policy when a young driver actually drives the car most. It’s illegal and can mean a claim isn’t paid and the policy is cancelled. If you’re the main driver, the policy should be in your name.
However, it’s important to note that this will increase your parents’ insurance premium. You also won’t start earning a No Claims Bonus, starting to earn your own NCB helps to reduce your insurance premiums sooner.
Get insurance for young drivers with A Choice
As a specialist motor insurance broker, we can take the hassle out of finding a policy as a young driver. We’ll search our panel of insurers to find cover that suits your circumstances.
If you’d like more information or have any questions, feel free to call us on 0330 127 4500 or email us.
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This page was last reviewed in November 2026.