Young Drivers Insurance

Cut your costs without cutting corners with our specialist telematics insurance for young drivers between the ages of 17 and 25

iKube young drivers insurance offers fully comprehensive cover and discounts not normally offered to motorists between the ages of 17 and 25. To start saving simply agree to keep off the roads during the hours of 11pm and 5am and have a GPS device (black box) fitted to your car.

01443 420662
01908 258 421 9am - 5.30pm Monday to Friday
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Young drivers insurance features

  • Fully comprehensive cover

  • Cost effective - could cost less than third party only cover with other insurers

  • Discounts for agreeing not to drive between the 'red hours' of 11pm and 5am

  • Full insurance if you do need to drive during the 'red hours' - just pay an agreed premium every time you do

  • GPS tracking device fitted professionally for you

  • Discounted premium for pass plus drivers

  • The ability to start earning your no claims bonus even before you pass your test

  • Recovery of any other expenses incurred as a result of an accident

  • Claim compensation for injury

  • Option to include a second named driver

  • Optional breakdown assistance cover

  • Choose to include replacement vehicle cover

  • Cover for provisional drivers available, as well as for UK and EU licence holders

Prefer to spread the cost of your policy?

Paying by direct debit is an affordable and convenient way to pay for your policy. Through our preferred provider, Premium Credit Limited (PCL)*, you have the option of setting up a Direct Debit to pay your premium in equal monthly instalments.

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.


Young drivers insurance exclusions

  • Any 'performance enhancing' modifications

  • Motorbikes and mopeds

  • Cover applies only to cars fitted with iKube

These are just some of the key exclusions/limitations, full details will be found in policy wordings.


Young driver insurance FAQs

How often can I drive in the 'red hours'?

There is no limit to the number of times you can drive during the 'red hours'. However, each night you drive between 11pm-5am you will be charged £100. Of course, if you don't drive your car at night you will not be charged this fee and all you will pay is your agreed monthly or annual premium.

iKube young drivers insurance has been designed to help you save money. So, if you think that you will be driving your car during the 'red hours' a lot, then you might want to contact the Towergate Insurance team and look at alternative motor insurance options.

How much information is stored by iKube? And will they pass this onto any third parties?

The iKube box is only there so they can see if your car is driven between 11pm-5am. Unless required for the prevention or detection of crime, or under very special circumstances, they will not use it for any other reason.

What if my car is blocking someone's driveway at night? Will I still be charged?

iKube understands this. As long as your car does not move more than 100 metres then you will not be charged.

What if I don't have the Pass Plus qualification?

You don't have to have the Pass Plus qualification to benefit from iKube young drivers insurance. However, with the Pass Plus you could reduce your young drivers insurance premium even further. iKube will give you 30 days from when you start the policy for you to take the Pass Plus test.

Take a look at where you can find out more about the scheme and which councils are offering a discount on the test.

Do I still earn a No Claim Bonus with your young drivers insurance?

Yes, you do. Just like any other motor insurance policy, iKube young drivers insurance allows you to build up No Claims Bonus. If after a full 12 months of having your policy with iKube you've made no claims, you will earn one year No Claims Bonus. This can be transferred to your next policy at renewal.

Am I able to alter the 'red hours'?

Road Safety statistics prove that young drivers are more likely to be involved in road accidents between 11pm-5am. Which is why these are the set hours in this policy.

Does my vehicle have to be parked at my home address at night?

Your vehicle can be parked anywhere in the UK during 11pm-5am.

What type of modifications are allowed?

iKube will allow minor changes to your vehicle, such as alloy wheels (as long as they are no more than 1 inch bigger than the original wheel). But anything that is deemed performance enhancing is not covered. For instance, iKube would not allow a change in suspension.

Can I drive other cars and still be covered?

iKube young drivers insurance is based on you driving only the car listed on the policy and fitted with the iKube device.

Can I get insurance with iKube if I don't own the car?

No. iKube young drivers insurance is designed to help you get great discounts and earn no claims bonuses on your own car. Therefore, you (i.e. the insured driver) must be the registered owner and keeper of the insured vehicle.

Can I insure my car in my parent's name?

This is known as "insurance fronting" and is illegal. If the vehicle is solely or predominantly used by the young driver, the policy must be insured in the main driver's name. If iKube find out they may cancel your policy or worse still, in the event of an accident, refuse to pay out. You can however add a parent onto your policy as a named driver. This normally gives you a small premium discount of approximately £20.

I have earned a No Claims Bonus on my motorbike insurance. Can I transfer this across to my car policy with iKube?

Unfortunately not. Like most car insurance policies, iKube don't accept no claims discount earned on motorbikes.

Can I add my girlfriend/boyfriend?

Other drivers under 25 can be added as a named driver. However, they must be a spouse, common-law spouse or brother/sister. All named drivers must fit the iKube young drivers insurance criteria and be legally fit to drive.

I've been a named driver whilst learning to drive on my sister's car insurance. Now I've passed my test I'd like my own policy. Can iKube insure me to drive her car?

To be eligible for iKube young drivers insurance, the policy holder needs to be the owner of the vehicle and the main driver. If your sister is under 25 she could take out iKube young drivers insurance and add you as a named driver. You would not, however, be able to earn your own No Claims Bonus -you would need your own policy for that.

Can my parents use the car that has been fitted with the iKube?

Your parents can use the car provided they have "driving any other vehicles extension" on their own insurance. Alternatively they will need to be added to your insurance as named drivers. However, no matter who is driving, if the car is driven between the hours of 11pm-5am the £100 charge will apply.

Can I have a non-UK driving licence?

Both full UK and European driving licences are accepted but international licences are not accepted.

I haven't passed my test yet. Can I still get insurance with just a provisional licence?

Yes. iKube young drivers insurance offers cover for both provisional and full-licence holders under 25.

Where can I find more information about monthly Direct Debit?

If you want to know more about our monthly payment option, please read our dedicated page on Direct Debit. Eligible for over 18s only.


Young driver insurance claim

Your ikube young driver insurance claim

Unfortunately accidents happen, but should the worst happen we are here to help settle your claim quickly and efficiently.

To make a claim simply call our claims helplines,
Markerstudy: 0344 873 8184
Equity Red Star: 0844 800 1816
Aviva: 0844 891 1226
Sabre: 01306 740 074
We're on hand 24 hours a day, seven days a week to talk you through the details of your claim, answering any specific questions you may have and advising you of the next steps, guiding you through the process right through to settlement.

Please make sure that you have the following documents and information to hand when you call:

  • Your policy documents

  • Your driving licence

  • A copy of the driving licence of any other person in charge of your vehicle at the time of the accident

  • MOT certificate

  • Crime reference number, if applicable

01443 420662
01908 258 421 9am - 5.30pm Monday to Friday
Get a quote Request a callback
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