Young Drivers Insurance UK - Review

How to get low cost young driver's insurance in the UK

It is no small task to put in place all the things that you have some control over to reduce the cost of car insurance for a young driver under the age of 25. There really is quite a lot you can do and we'll outline these potential cost-saving manipulations here.

First, 'though, let's look at what you shouldn't do.  You shouldn't get an older person - typically a parent - to pretend that they are the primary driver when they are not. Insurance companies quickly sniff out this kind of deception (known as 'fronting') and when spotted it invalidates your cover.

Also, you shouldn't choose third party car insurance in an attempt to save money. This type of cover offers no personal or passenger injury cover if you are responsible for the accident and is consequently too risky, especially for those with dependents.

What should you do then? Well, not all of the following will be realistic, but you should aim to do as much of these as you can if you are hoping to secure the lowest possible price for young driver's insurance.

It starts with your choice of car. You should aim to buy a car that is in as low a car insurance group as possible, certainly under 10 (on the Thatchem 1-50 scale that has been operational from January 2010 and which insurance companies have to take account of). One example would be a Vauxhall Corsa or similar-sized car. Once you buy an appropriate car, don't modify it and potentially push up your premium.

Many young drivers will increase their voluntary excess to drive down the premium and this can make a difference. If you don't do much driving, cap the annual mileage at the approapriate level.

You can also consider improving in-car security. Get a Thatchem-approved device with the help and advice of your dealer in relation what's best for your own vehicle. Improved overnight parking security can help too. If you can garage your car or park off-road behind a locked gate, do so.

Adding an older driver as a second driver - assuming that person is in a positon to occassionally drive the car -  is legitimate and this may help to lower the premium.

The young person is wise to be as pragmatic as possible in terms of must-have policy features. A no frills policy may well be acceptable while you are waiting to build up a no claims discount.

Some young people even train for and pass an advanced driving test. By increasing your skill level, this renders you lower risk to insurance companies.

How you get your cover is critical too. Obviously, if you check as many prices a s possible, this will help you to find the cheapest quotes and a good way to do this is to use a price comparison site. Equally, Endsleigh, the young drivers insurance specialist is likely to find you a good deal and you can compare car insurance using both or either of these options through this (linked) site.

Whatever route you choose, do ensure that you get all the policy information you need in advance of purchase. You may find that going for the very cheapest quote of all is a compromise too far in terms of the associated cover. More..