Cheap insurance for new drivers

How can I get cheaper car insurance as a new driver?

The cost of car insurance depends on a range of factors about you, the vehicle and even where you’re driving. Unfortunately, one of the key factors that insurers consider when calculating the cost is how much driving experience you have.

Most new drivers are also young drivers which means they are inexperienced. This will often result in them having accidents and making claims. Because of this, the cost insurance goes up to cover the increased chances of you making a claim.

While new drivers will almost always pay more, there are several ways to get cheaper car insurance as a first time driver:

• Get a sensible car. When getting your first car, pick something that’s smaller and less powerful and you could see your insurance costs drop.

• Add another driver. By adding a more experienced driver to the policy, you could find that you’re premiums drop, but make sure to avoid fronting.

• Increase your excess. If you can afford to do so, offer a higher excess upfront to reduce the overall cost. But be aware you will have to pay this in the event of a claim.

• Limit your driving. It’s a fact, if you drive less, you’re less likely to be involved in an accident, so if you are going to be driving less, make sure to tell your insurance provider.

• Pick the right insurance. There are a few different insurance options for new drivers from short term insurance to telematics insurance and even pay as you go insurance. Pick the right one for your situation and save.

One of the most important things to consider when looking for cheap insurance for new drivers is how often you’re going to be driving.

If you’re only planning to drive a few days a month, paying for a whole years’ worth of insurance can be a big waste of money. If this sounds like you, you could save a lot of money with new driver insurance.

It can be the best insurance for new drivers who don’t want long term commitments and need something more flexible and affordable.

What type of new driver insurance do I need?

As a new driver, you need to have car insurance that has at least third-party cover. This is the minimum level required by law and will cover the cost of any damage to a third party, including their car or property.

There are other options for new drivers. You could pick third party, fire and theft, which will cover the above, as well as any damage to your vehicle caused by fire or if the car is stolen.

Finally, the highest level of cover available is fully comprehensive. This protects against the same as the other two types of cover plus it will also cover for medical expenses, repairs, your own property, and sometimes even include a replacement car.

As strange as it may seem, despite offering the highest level of protection, fully comprehensive cover is usually cheaper than even third party insurance.

This is because historically drivers with high risk would choose the lowest level of cover to save money, however as they still made claims, many insurers increased the cost of third party insurance and reduced the cost of fully comprehensive.

When you choose temporary new driver insurance, you’ll get fully comprehensive cover as standard, so you know that even as a new driver, everything is covered.

Can I get temporary new driver insurance?

Temporary car insurance can be the best insurance for new drivers, but there are some restrictions on who can get a policy. To see if you can get temporary new driver insurance, check out the table below:

Please be aware that each insurer on our panel has its own eligibility criteria and so you should pay close attention to their Proposer’s Declaration.

What does new driver insurance cover?

As a first time driver, you want to ensure you have the right cover. With temporary insurance, here’s what’s covered as standard:

Tempcover works with a panel of insurers to ensure we can provide temporary car insurance for as many drivers as possible. Because of this, full details of cover may differ depending on the insurer. Please double-check the policy wording before purchasing to confirm what is specifically covered in your policy.