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Passing your driving test and buying your first car is an exciting milestone.
But before you can enjoy the freedom of the open road, you need to arrange suitable car insurance.
Young driver insurance is a policy designed for drivers aged between 17 and 25 and provides essential protection to help you get on the road safely.
In this guide, we’ll explain what young driver insurance is, why it can be expensive, and how you could find more affordable young driver insurance that meets your needs.
When learning to drive, you’ll have been covered under a learner driver policy. Once you’ve passed your test, that cover is no longer valid.
If you want to drive on the road, you need to have at least third-party car insurance in place before driving alone. Third party cover protects other people, vehicles and property if you cause an accident.
However, you could also choose third party fire and theft or comprehensive insurance for extra protection.
If you’re unsure which type of policy is right for you, it can be helpful to speak with a broker like AbbeyAutoline who can explain the options available.
Car insurance premiums are calculated based on risk – and because younger drivers have less experience behind the wheel, insurers often view them as a higher risk group.
Statistics show that new drivers are more likely to be involved in an accident within their first year of driving, which can increase the cost of insurance.
However, the price of your insurance will also depend on several factors including but not limited to your age, driving record, the car you drive and where you live.
There are several steps you could take that might make your insurance more affordable:
ChilliDrive is a telematics policy powered by AbbeyAutoline that helps young drivers access more affordable car insurance.
Using GPS technology, the 'black box’ monitors your driving behaviour and calculates a score based on factors like acceleration, braking, cornering and speed.
This allows insurers to assess your driving style fairly and reward safe habits.
ChilliDrive offers several advantages for drivers looking for affordable young driver insurance:
Easy setup: Once your policy is active, you will receive the telematics device by post. All you need to do is attach it to the bottom left-hand side of your windscreen and plug it into your 12v port. The device automatically records your journeys and uploads the data to your secure portal
Upfront discount: ChilliDrive offers an upfront discount on your car insurance premium rather than making you wait for driving data to accumulate
Dedicated support: A specialist team is available to answer any questions or technical queries
No curfews: Unlike some telematics policies, ChilliDrive does not impose curfews, giving you the freedom to drive at any time of day or night
Safer driving: You can view your driving score within a week and use the feedback to make improvements and become a safer driver over time
Finding affordable young driver insurance can feel challenging, but there are options available to help reduce costs.
Choosing the right vehicle, keeping it secure, and exploring telematics options like ChilliDrive could all make a difference.
Have a query about young drivers’ insurance? Our dedicated team is on hand to answer your questions and help you find the most affordable option that we can offer.
Get in touch with the experts today on 08000 66 55 44 or arrange a call back.
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