Where to get the most affordable young driver insurance?

Driving

5 min read

Before outlining how to find affordable young driver insurance, let’s summarise what it is.

After passing your test and getting a new car, the next step before exploring the open road is arranging suitable car insurance. Young driver insurance is a policy that is specifically tailored to help young people (typically between the ages of 17 and 25) get on the road safely and at an affordable price. In this blog, we cover the common questions that drivers and their parents/guardians may have when researching insurance for young drivers.

I’ve just passed my driving test, what type of insurance do I need?

Learning to drive is an exciting chapter in anyone’s life, and for young drivers, it allows a new sense of independence and the chance to take on new responsibilities.

When you are learning to drive, you will have been covered by a dedicated learner driver policy. However, after passing your test and getting your license, it’s important to remember that this type of cover will be invalid and it’s now a legal requirement to have a minimum of third party car insurance in place.

Why is young drivers’ insurance so expensive?

Compared to a standard car insurance policy, young drivers' insurance can be expensive, this is because insurance premiums are based on risk factors and less experienced drivers are viewed as a bigger risk. However, there are ways to reduce the cost of young drivers’ insurance and by using a dedicated insurance broker like AbberyAutoline, our advisors can search the best policy for you.

How can I try and lower young drivers’ insurance?

There are several steps that you can take as a newly qualified driver to try and reduce the cost of insurance:

• The type of car you drive as a young driver matters. When buying (or considering being insured on a family or friend’s car), try and choose a car with a smaller engine, as these are typically cheaper to insure.
• Ensure you keep your car safe and secure by always locking it and keeping it in a garage or private parking area where possible.
• Having an experienced named driver on your policy can also reduce the cost of insurance as you’ll be sharing the use of the car with them;
• Consider paying annually, as insurers often charge more for the benefit of spreading the cost over 12 months.

What is ChilliDrive?

Powered by AbbeyAutoline, ChilliDrive uses telematics technology which helps young drivers access more affordable insurance by monitoring journeys and driving performance. Using GPS technology every journey you take will generate a score, which is calculated based on your driving behaviours, such as accelerating, cornering, staying within the speed limit, and braking.

What are the benefits of ChilliDrive?

ChilliDrive has several benefits for young drivers looking to find more affordable insurance:

• Easy to set up: After taking out your policy, you will receive the telematics device in the post. Next, simply secure the device on the bottom left-hand side of your windscreen and connect the charger cable to the 12v charger port. Everything else is automatic –the device will send data to your customer portal, where your journeys will be logged and analysed.
• Upfront discount: Unlike many other telematics options, with ChilliDrive, you don’t have to wait until a driving score is generated to get your discount –it provides an upfront discount off your car insurance premium.
• Dedicated support team: We have a dedicated team on hand to answer questions or solve any issues that may arise.
• No curfews: Many policies impose a curfew on young drivers, which can make it difficult for those who need to drive at night. With ChilliDrive, there are no curfew restrictions so you can drive whenever you need to.
• Encourages safer driving: Within seven days of having the telematics device fitted, you will be able to view your driving style and score. Thanks to this feedback, you can pinpoint the areas which need improvement and become an all-round safer driver.

Have a query or issue about young drivers’ insurance? Our dedicated team is on hand to answer your questions and help you find the most affordable option. Get in touch with the experts today on 08000 66 55 44 or arrange a call back.