Driver SOS (UK)

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Car insurance for first time drivers

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You've probably heard the saying, there's a first time for everything in life, well the same applies for car insurance. At some point in your life, you will need to buy your first car insurance policy ever and it might sound like a daunting task initially but if you do your research well, you will be fine.

First time car insurance will be sought by people who've just passed their driving test and looking to get ready to hit the roads. Although some people might have held their license for a long time but have not actually bought a policy in their own name yet, a first car insurance policy can prove to be rather expensive because the driver will not have any no claims bonus to begin with. This means you start off with a very big disadvantage and careful research needs to be done if you don't want to spend all your money on a new driver car insurance policy that's going to cost you all your savings. Believe me, car insurance for an inexperienced driver averages at £2800 and can even go up to £5000.

I know it sounds crazy and it doesn't make any sense but this is the horrendous truth. Insurers know first time drivers are a great risk and will charge you a lot for a car insurance cover. Your parents might be paying something like £250 but that's because they've built up their no claims discount over the years and they are more experienced now and less likely to make a claim against the insurance company.

If you decide to become a second or additional driver on somebody's else policy, you will save money in the short term but you will not build your own set of no claims discount and when you decide to take car insurance in your own name at a later point in your life, you will return to your starting point which is getting car insurance as the policyholder for the first time.

Since you will eventually need to commit to it someday or the other, why not do it now and be done with it, eh? Yes, you will have to pay more at the beginning but take my advice and take it with a pinch of salt and you will be rewarding yourself in no time.

So where should I get my first car insurance policy then?

As we've said before, you will have to pay a high premium in your first year but if you want to save the most, you will have to compare quotes from all insurers first using a car comparison website and then check the ones for which you haven't got a quote like Direct Line car insurance. You can spread the cost of your premiums over the year and pay smaller chunks monthly rather than paying it all in one go but if you can settle the bill upfront, you won't be charged any interest on the premiums.

gices Published 21 Mar 2008

1 Comment

anonymous_2 07 Jul 2012

I recently passed my driving test and I am confused about this subject. Do I have to buy car insurance before I actually buy the car itself? How do I go about it? What if I pay for insurance and decide not to buy the car? Do I need the paper work for insurance before I am able to buy the car and drive the car to home? Also, my cheapest quote for the cheapest car can get insurance quote was £3500 which nearly gave me a heart attack, which would be 3 times more than the cost of the car of my budget, is this right? please help?