Learners Insurance | Car insurance for young people

provisional drivers licence application form

If you have a provisional drivers licence then you’re ready to start learning to drive. If you take lessons with a professional instructor like the AA or BSM then they’ll already have the necessary insurance. If you want to save money on driving lessons or just get some extra hours outside of your professional lessons then you could consider driving a friend or relatives car. If driving your own car or someone elses then you’ll need to arrange your own learners insurance policy.

Go beyond your driving test and complete the Pass Plus course. Many insurers offer substantial discounts to young drivers who have completed the Driving Standard Agency’s Pass plus course.

Although it may be tempting to ‘pimp your ride’ with body kit modifications and such like, it can significantly limit your choice of insurance policies and increase the premium.

Every new car in the UK is assigned to a car insurance group, from 1 to 20. A car will be put in a group based on how much the car is likely to cost insurers in the case of a claim.

As a young driver, you should try to look for a car in a low insurance group to ensure a lower premium. So think twice about that high performance Subaru Impreza and consider something tamer like a Ford Ka.

As with any insurance, the premium varies hugely between different insurers. This is especially true when it comes to learners insurance. Some insurers specialise in insurance for young people and are therefore able to provide policies at a far more competitive prices than others.

You can compare quotes online from the comfort of your couch or you can visit your local broker who will do all the hard work for you.

Provisional drivers licence
Bringing down the cost
Choosing a car
Compare quotes

Learners insurance – Insurance for young people

You’ve passed your provisional driving test and recieved your green provisional licence. Now you’re looking to get behind the wheel and start learning to drive!

If you’re learning to drive with a professional instructor like those at the AA or BSM then you wont need your own insurance policy since the vehicle you’re driving will already be covered by the companies provisional licence car insurance policy.

If you’re driving a friend or relatives car which doesn’t have the nessecary insurance for learner drivers then you’ll need to arrange your own insurance.

Bringing down the cost

Complete the Pass Plus course
Concentrate on earning a no claims discount
Select a car in a lower insurance group
Increase your cars security
Keep your car in a safe location overnight
Avoid modifying your car
Compare many insurance policies

Why insurance costs are so high for young people

One in five drivers are involved in a crash within their first 5 years on the road.
Male drivers under 21 are ten times more likely to be involved in a car accident than male drivers over 35.
Young drivers are involved in more crashes at night than older drivers.
Only one out of every eight British drivers are under 25, yet a 25% of drivers who die in traffic collisions are in this age group.
In 2007, forty percent of passengers killed or seriously injured were in a car driven by a young driver.