Summary:
On average it costs £1,300 to ensure a 17 year old driver. This article comments
Car Insurance Advice for Young Drivers in the UK
Over the course of the last ten years, car insurance for young drivers in the UK has increased substantially.
This has caused many problems for new drivers with premiums averaging £1300 for a newly qualified 17 year old male driver.
- Car Insurance Advice for Young Drivers in the UK
- On average it costs £1,300 to ensure a 17 year old driver. This article comments
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The main factors which will effect your insurance premium are listed below;
The Vehicle - Choosing the right vehicle will have a massive impact on your premium. As a guide, look at the insurance group of the car. The grouping structure runs from Group 1 to Group 20 and your insurance premium will increase as you move through the groups. Use the link below to our web site and use the car grouping guide which will give you an indication of which vehicles fall into which groups. Do not however rely on either guesswork or a basic group guide when choosing a car. Even a subtle difference in model of vehicle could effect your premium massively - Get quotes on every type of car you are looking at before deciding on buying one.
Where you live - Not a lot you can do about this but in some areas of the UK you are twice as likely to have your car stolen. In London you are 50% more likely to be involved in an accident - Your premium will reflect where you lice.
Pass Plus - If you have just passed your test, seriously consider pass plus. This will give you discounts of up to 20% off your insurance premium. The course costs £120 so can be very effective at saving you money and improving your driving skills.
Type of Cover - As a first time driver you will normally be restricted to third party fire and theft cover because of the costs involved. Consider third party only cover also.
There are no shortcuts when insuring your first car but there is a silver lining to that horrible first premium. A safe years driving will result in a drop in your premium of around 50% in the following year.
17 to 40 is a web site dedicated to providing information and quotes for young driver insurance in the UK
Readers please note : You should undertake your own background checks before taking any action on any aspect mentioned in this article. Where the author has mentioned specific product details or given examples of how companies have reacted to specific situations, these should be correct as far as the author is aware when this article was written. In some cases additional background information not mentioned in the article has been used in obtaining the examples. Some examples or quotes may have been taken from information available in the public domain where all the background details may not be available. Insurers do change policy conditions and underwriting approach. They will view each situation on its own merits.
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