Young Driver Car Insurance

Young Driver Insurance

Whether you’re looking for cover on an experienced driver’s car or your own car as a learner, or you've passed your test and you're under 25, our specialist advisors can help you to find tailored young driver car insurance that suits your needs.

01792 522622

Mon - Fri 9am - 5.00pm

About Young Driver Car Insurance

Group

Insure your own car

Insure your own vehicle with or without black box technology. Start your car insurance journey with your own policy.

Flexibility

Wallet-friendly

Our flexible, short-term cover works for young drivers who only drive occasionally, meaning you'll only pay for the time you need.

Calendar

Flexible options

Choose from a range of cover options for provisional drivers getting test-ready and those who've already passed their test.

Car

Named driver cover

If you're going to be practicing in someone else's vehicle, their No Claims Bonus will remain protected if you need to make a claim.

Features of Young Driver Car Insurance

Standard cover

Comprehensive cover option for young drivers

Comprehensive cover offers protection for you and any other parties if you’re involved in an accident. This cover includes accidental damage, malicious damage, fire, theft and flood. Third party fire and theft cover is also available.

Drive someone else's car without risking their No Claims Bonus

Choose Named Young Driver or flexible, short-term insurance and use an experienced driver’s wheels without risking their own driving record.

Optional black box young driver car insurance

For many young drivers, one of the safest and most affordable ways to get on the road is by choosing black box car insurance. Because we deal with a panel insurers, we will discuss your preference as part of the quotation process.

Our specialist advisors are here to help

Sometimes, it’s easier to pick up the phone and have a chat. Our team are here to talk you through your best options available through our panel.

Young Driver Insurance FAQs

Question

How can I reduce the cost of my young driver car insurance?

Answer

Opting for black box technology is a cost-effective way to get behind the wheel. Drivers on this cover benefit from lower premiums in return for displaying safe driving.

Question

Is there a type of car that will be cheapest for me to insure as a young driver?

Answer

Young driver insurance premiums are often lower for smaller cars with less power, but it’s also important to choose a car that you feel comfortable driving and that suits your needs when taking to the road.

Question

What's the cheapest way I can secure young drivers car insurance?

Answer

Your car insurance premium will depend on your lifestyle and needs. You’ll need to consider whether you need your own car or whether you’re happy to use a parent’s car when you need to practice. Do you need short term insurance or are you ready for annual cover? When you have an idea of what you’re after, contact our specialist team and we’ll help find you flexible insurance that meets your requirements.

Question

Will I have to have a black box in my vehicle?

Answer

We work with a range of insurers, with options available that don't require the installation of a black box.

Question

I live in Northern Ireland, can you help me with young driver car insurance?

Answer

Yes, our specialist advisors can approach our trusted panel of insurers to arrange cover for customers across the UK and Northern Ireland.

Question

I have points on my license, can you provide me with a quote?

Answer

We are here to help you find a policy that meets your requirements. We have access to a panel of insurers who we will approach for a quotation.

Question

Can I speak to a real person?

Answer

Yes, our friendly team of advisors are here to talk you through any questions about arranging your cover. They’ll guide you through the decision-making process with their specialist knowledge. If you’d rather speak to the same person every time you call us, just let us know.

Question

Why might I be asked for a credit check to buy this type of insurance?

Answer

Insurers may ask you to consent to a credit check for a quotation as it may affect the rate that they charge. In addition, a credit check is required if you choose to pay by instalments via our preferred provider, Premium Credit Limited.

Question

What is a No Claims Bonus (NCB)?

Answer

This is a discount awarded for the completion of 12 months of continuous claim free insurance. No Claims Bonus can only be earned and used in your own name and on one vehicle at a time. It is not acceptable if it expired more than 3 years prior to the inception of your new policy. Your No Claims Bonus is reduced after a fault claim (please refer to your policy wording for more details). If you are unsure if your No Claims Bonus is valid you can call our experienced advisors on 01792 522622 who will be happy to help and advise you. Some insurers will allow up to a period of 3 years after cancellation.

Question

What is an insurance excess?

Answer

This is the first part of each claim which you (not your insurer) must pay. There are two types of excess:

Compulsory excess - this is an excess that has been applied as a requirement by your insurer and will vary according to your personal circumstances and the terms of cover provided. A compulsory excess may be required if you drive a particular vehicle or you have inexperienced drivers on your policy. There is also a compulsory excess for fire, theft, windscreen claims or malicious damage.

Voluntary excess - This will apply where you agree with your insurer to pay a greater part of each claim, in addition to your compulsory excess. A voluntary excess can be increased or decreased at your request during your online quotation and it may affect your premium.

Question

Fault and non-fault claims - what is the difference?

Answer

A fault claim is any claim resulting in your insurer being liable (paying for the claim). For example, you are not to blame for a theft claim but your insurer would be liable, as they have no other party to recover the costs from.

If your insurer pays for your damages in the event of a claim, for example where a third party hit your vehicle, but then re-coups their costs via the third party's insurer, this would be a non-fault claim as your insurer was not liable.

Question

If I have an accident and I do not wish to make a claim, do I still have to notify my insurer?

Answer

Yes, you should inform your insurer of any incident the insured vehicle is involved in, so that your policy is always fully up to date, even if no claim is to be made. All incidents should be reported to 0800 9537 537.

Question

What is an immobiliser?

Answer

An electronic immobiliser is a device fitted to the vehicle that disables the engine of your vehicle when it is not in operation by you. Some newer vehicles have these factory fitted by the manufacturer and are normally shown within your vehicle brochure. It is also possible to have one fitted by a garage or specialist, who would supply a certificate of installation detailing the exact model of your vehicle's immobiliser. A copy of your fitment certificate may be required.

A manual immobiliser is a device which is usually placed on the steering wheel or gear lever of your vehicle.

There are two types of Thatcham graded immobiliser:

T2 = An immobiliser that has been judged to comply to the Thatcham criteria.

T1 = An alarm/immobiliser combination that has been judged to comply to the Thatcham criteria.

Question

Can I pay in instalments?

Answer

If you would prefer to spread the cost of your car insurance policy, you have the option of setting up a Direct Debit to pay your premium in equal monthly instalments through our preferred provider, Premium Credit Limited (PCL). Direct Debit is only available for annual policies. 

To find out more about PCL and direct debit payments, select Direct Debit.

To understand more about how PCL work together with Towergate, please read our Regulatory Information.

How do I make a claim?

When you need to make a claim, we’ll guide you through the process and get your claim settled as quickly as possible.

1.

Find your insurance documents

and make sure you have all your information at hand, including your policy number

2.

Call the claims team

on 0344 892 1798 and explain exactly what happened

3.

Provide photos if requested

to help us understand what happened as quickly as we can

Relaxed Person Making Claim