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Young Persons' Car Insurance

It’s an unfortunate fact that a combination of factors, including age, driving experience and lifestyle, make young people a high risk group of drivers. Insurance companies are masters of number crunching and they base their businesses on the statistics that they gather. Read more...>

	Direct Line Named drivers earn their own no claims discount	10%	Up to 65%
		** 0% interest on instalments - first year only **
	Churchill Voted Best Online Car Insurer two years running	15%	Up to 65%
	Tesco Great deals for named drivers & 3 months free cover	25%	Up to 65%
		** 3 months free insurance cover **
	Marks and Spencer Includes UK and Europe breakdown cover as standard.	10%	Up to 60%

The age span up to 25 is especially prone to expensive car accidents and so this is reflected in their very high insurance premiums at a time when they are least likely to have much money. The type of cars sometimes favoured by young drivers such as fast, sporty models, also tend to contribute to heavy premiums.

Insurance companies that provide cover for young drivers do so at a price but they will take into account other factors that can help to bring down the cost. Young drivers can see the effect of safe driving on their premium with every claim-free year that they complete. By looking at the market it is possible to compare the companies that offer discounts for factors such as advanced driving tests to see if there are any providers that might suit you.

Just like any high risk financial market, because premiums are high, there is money to be made from the young person’s car insurance market and so some specialist insurers actively pursue that business. Those insurers are constantly looking for ways to make young drivers car insurance more accessible and tailor the cover and benefits to that specific market.